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, 2010 

Welcome to BetterBudgeting, Where We've Been Helping Families Save Money and Live Better Since 2001! Get Our Free Monthly Ezine and Save with Thousands of Free Tips on Budgeting, Credit Cards, Getting Out of Debt, Frugal Family Fun, Frugal Recipes and Crafts, Groceries, Budget Friendly  Decorating,  Gardening and Work-at-Home Business Ideas

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Financial Journey
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Motivating Yourself to Take Action

by Karen Kuebler

 

Recently I had experienced a tremendous lag in motivation.  I had surgery on my hand and arm, and was wearing a cast for six weeks.  I found myself feeling listless, lazy, and trapped.  I didn’t have the energy to do much of anything except read the computer and watch movies.  More...

 

I made a decision that enough was enough!  I was at the point I didn’t even want to be with myself.  Now, that’s pretty bad.  So I dug into my bag of tricks that I have developed over the years to pull out some tools I have gathered.  I was determined to get my game back and restore my motivational level back to normal.  I thought I would share some of the techniques I used since we may all experience times when our motivation wanes.

 

When you are feeling completely unmotivated and/or down in the dumps, take one valid action and the feelings will follow.  Write a letter, make a phone call, wash the dishes, get up and go for a walk.  The point is, if you take action and do one thing other than sitting and brooding, the motivation will start to come back and begin to build.

Do one small thing that is positive and directed toward your goals every day.  If your goal is to increase your savings by $100 per month here are just a few ideas of baby steps you can take: Eat leftovers for dinner rather than throwing dollars down the drain; pack your lunch for work the night before so you won’t be tempted to buy a meal at work; empty your pockets and put the change in a jar; take your coffee to work instead of buying it in the vending machine, or even worse, at an expensive coffee shop!  Each baby step propels you to another, then another, and your motivation begins to snowball.

Replace any negative self-talk going on in your head with positive thoughts.  Catch them immediately and start changing your thinking pattern now!  Your thoughts will drive your attitude and in turn determine your actions.  If you tell yourself you are too tired to research the current interest rates on CD’s by phone or internet, then you will fritter away the time convinced that you don’t want to do it.  Instead, tell yourself that moving some of my money from this low interest bearing account to a higher rate will move me in the financial direction I want to go.  You will be much more likely do the appropriate research and take action.  Examine your thoughts and determine your attitude – remember that your attitude is totally within your control and you make the choice!

Ralph Waldo Emerson said “That which we persist in doing becomes easier; not that the nature of the thing has changed, but our ability to do has increased.”  When you aren’t feeling motivated to take a positive action that you know you should, commit to doing it just for today.  Each day, recommit to take this action.  Repeat this action for at least 21 days.  Research bears out that is the length of time it takes to develop a new habit.

Don’t attempt to take on too many changes at one time.  Trying to make too many changes at once usually leads to the inability to complete any one thing successfully.   Instead, become comfortable with one or two changes.  As they feel more natural then set goals to work on something new.  It has been proven over and over again that motivation can be crushed by trying to do too much at one time.  That is why so many New Year’s resolutions fail.  Make this a lifelong process, rather than setting goals at the beginning of each year.

 

Remember that we all experience times in our lives when our energy, self-discipline, and motivational levels fluctuate.  It is extremely important to realize that this is a normal human phenomenon.  I found myself being extremely hard on myself for not feeling motivated, and then it became a vicious cycle and I continued to feel even worse. 

 

When you are in a funk, use some of your own bag of tricks to get out of it, or tap into some of the ideas I have shared.  Call on your friends, read something inspirational – just do something different to turn the tide in the opposite direction and you’ll find yourself traveling the path you want to take!


*  *  *

 

Copyright © 2006 by Karen Kuebler. All rights reserved.

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