This morning I was really encouraged by an Instagram post from Ramsey Solutions, and I wanted to share a few thoughts with you guys. The post read, “Success is not one big splash. You win with excellence in the ordinary. Do the right thing, the right way, everyday.”
Boy, isn’t this the truth? Personal finance, if done the right way, is rather boring. It consists of thousands of tiny right choices that build upon each other.
To get our finances in order we don’t need to be perfect, but consistent. I mess up sometimes. For example, over the weekend we attended a craft fair and I spent nearly $30 on Palmetto Moon hair bows for my little girls. Nearly $30! I walked in thinking my max spending budget would be around $10. At least I walked away from that adorable $40 birdhouse, ha!
While I am disappointed in my moment of emotional overspending, we are doing okay overall because we are making the right financial choices at least 95% of the time. It seems ordinary and boring. Buying hair bows or whatever else sits on the store shelves is much more fun and exciting…in the moment.
“Excellence in the ordinary” takes both a plan and a deep desire to see a financial turnaround to execute properly. I normally do not buy $30 worth of hair bows because I know little sacrifices now will help us reach our overarching goal of paying off our house and reaching financial independence in other ways.
I would love to encourage you to start taking small steps today. And then do it again tomorrow. And the next day. Before you know it, healthy financial habits have been created, and you will be winning with money!