Coming Out On Top

QUICK – Double Check Do YOU have enough TOILET PAPER?!!!

While I tend to err on the side of conspiracy, I also realize that COVID-19 is a real thing. Regardless if it is a cover up from the government from and explosion in Afghanistan or an innocent bat who mutated a virus and got eaten in Wuhan, China people are dying and our economy is being severely affected by this outbreak.

But let’s not focus on that. Let’s focus on you. Where are you in this whole experience? Are you stuck at home? Have you increased you social media and television intake? Are you catching up on all your missed streaming binge opportunities? How about snacking. Have you increased your food intake in case you may need to hibernate for the summer?

If that is how your quarantine experience started, today is the day to turn it around. Now is the time to determine what it is that you truly want for your life and you now have all the time in the world to GO FOR IT!!! My hope for you is that you come out on top of this experience. Come out of quarantine richer in mind, body, spirit and money!!!

So how do we do that when it seems like we are going to run out of money? Here are a few tips.

  1. Budget. – Many of us are in states that are shut down for at least the next 30 days. We have been asked to stay in our homes as much as possible and only venture out for the essentials. Listen. If you already have bleach, Lysol, toilet paper. Do not go and buy more for fear of running out. Instead plan for what you will need for the next 30 days and do not deviate from that plan.
  2. Spend only on a bi-weekly basis- Even though you have budgeted for one month. Spend for only two weeks. Why because spending for two weeks at a time allows you to reassess your budget mid-month. Did you spend more than necessary in the first two weeks? Do you have excess of anything that you previously purchased? If so you can reduce spending for the next two weeks.
  3. Purge subscriptions – Look at all your current spending. Is there money that is automatically being taken from you account monthly for subscriptions that you don’t need or use. If there are things that you are paying for right now that you have not used in the last 30 days, ask yourself is this essential? If it is not, cancel.
  4. Stay positive- There is a lot of news media and social media out there that is making it hard to stay objective during these times. Many people are concerned about money and how much this pandemic will affect their financial future and present. Please realize that eventually this will all end and even in these times you can come out on top of this thing. Stay positive and know that you mindset is what will truly help you to rise above financially.

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