Full disclosure: I didn’t really start thinking about money until about a few months ago. Sure, before that I had paid the rent, complained about my phone bill, and worked hard to save up for a Europe trip, but I hadn’t every really thought about my money and how I could make it work for me in the long run.
But one day I went to the bank to put some money into a savings account that my parents insisted I open five years ago, and the banker asked if I wanted to invest it.
My answer was, “Um… I don’t have a clue what that means.”
Of course I knew what it meant on the most basic level, but I didn’t know how it worked, what kind of goals it would bring me closer to, etc.
And I realized, “Heather, you are 24 years old and you do not have your financial life together.”
So I started wondering, “How can I remedy this situation?” Well, I started by checking out some money blogs. In doing so, I stumbled upon an online book club that was reading Broke Millennial by Erin Lowry. I had heard Erin speak on a money podcast I’ve been listening to and liked what she had to say, so I promptly bought the book and kicked my financial education up a notch.
I have to say, even though I’m not even finished the book, and some of the chapters leave me feeling incredibly anxious about my lack of financial plan, I am feeling really empowered.
I feel empowered because I’m actively seeking out knowledge, and that knowledge is helping build a clear roadmap of the money world that had previously been a jumble of directions I couldn’t understand. And with that knowledge I can make action plans to help me get my financial life together so that when I wake up to my 30th birthday I can think, “Wow, I’m in my 30s and I’m so set on the whole money-front!” Actually, that’s really not going to be my first thought when I turn 30. It’ll probably be something like, “Hmm, what should I have for breakfast today?” because I won’t remember it’s my birthday until about lunchtime. ANYWAY…
The reason for this post is for me to show you that if you’re feeling overwhelmed about something, you CAN do something about it! You’re not going to do anything massive in one day, but you can take baby steps, and those baby steps add up to giant leaps. There’s a quote about that somewhere that I don’t feel like looking for – you know what I’m talking about. Bonus points if you find it and post it in the comments section!
For me, my first baby step was about gaining knowledge and it has really made a big difference in how I feel this aspect of my life that I wanted to change.
So if you have something that’s overwhelming you right now, take a baby step towards the better. It can be as simple as buying a book.