Why wait?

“I’ll start my diet on Monday”, “I’ll start paying debt down next year”, “I’ll start working out next month”, and “Ugh, I missed 2 days to my exercise program so I might as well wait until next week to restart.”  All of these are excuses I’ve used to excuse myself from doing something NOW.  That comment about starting to pay off debt? I made that in a February and wouldn’t allow myself to see the silliness of the comment.  After all, I had missed the New Year’s “deadline” to create goals so I would just save it for the next year.  Which, in case you were wondering, went by and this was not one of my goals.  Instead, I waited another few years to start doing something.

Just this past week I found myself starting to do this cycle of waiting all over again to re-start something.  It started out simple enough: I missed 3 days of work outs and when you add this to the 3 days I had missed the previous week, I really wanted to just say “I’ll wait for…”. But thankfully I recognized the cycle and on Sunday, I got my butt out of bed early and went for a run.  Granted it was a slow jog and I didn’t feel nearly as great as I normally would have but I at least did something.  And yes, on Monday, I was a little bit sore as I re-started Insanity week 3 (missed all but 2 days of this workout the previous week) but I feel better already!

With finances, I try very hard to stay in my routine.  If not, I’m afraid I’ll go back to the old ways.  So yes, I might check accounts every day or look at my budget, but I want to stay on top of things.   And last year, I finally started repaying my debt but I started in September.  It at least got me some momentum going and I was able to come up with a loose plan of attack. The “scariest” part was a few months into following my budget and I didn’t write it down to carry with me.  I hadn’t memorized it yet so didn’t realize how much money was for what category-but we spent anyways.  Thankfully we managed to switch some savings around and stay in budget but I did have a moment where I wanted to say I would start again next month.

The point to all of this is I had no real reason to wait.  There is no time like the present to implement a change.  Waiting to start it a few days probably won’t help you out-it might even hinder you farther.