So, why do we wait until there’s a money crisis before we open our eyes to the truth about our spending habits?
For instance, one night I got off late from work, and it was freezing outside. So, I rushed through the cold parking lot and jumped into my car — just to find out that the heater stopped working.
I remember thinking…You have got to be kidding me!
But nope. It was not a joke.
So I had to spend the next 40-minutes driving home while literally freezing my ta-tas off.
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And just to make matters worse, since it was an older model luxury car, the parts were harder to find. So it was going to cost a small fortune to get the heater repaired.
However, the problem is that at the time, my finances sucked!
Seriously, I had too many bills, too much debt, and zero emergency funds.
I know — it’s ridiculous, right?
I mean, “What sense does it make to drive a fancy car if you can’t even afford the repair bills when something breaks?”
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Facing The Truth
When my husband and I bought that “so-called” luxury car, we justified spending the money by saying that if a vehicle is this expensive, then it must be reliable.
Well, boy were we wrong!
Because, after a few years, it seemed like every couple of months, more mechanical issues would pop up.
And what really burned me up…
Is the fact that we were already struggling to make that huge car payment every month…
Yet, the issue with the heat was not covered under the warranty.
Talk about mad…I was fuming!
But you know what? It was a real eye-opening and life-changing moment for me. Because that’s when my mindset began to shift about why we bought the car in the first place.
Looking back now, I realize that we never truly cared about the reliability of the car.
What we really cared about was what other people would think when they saw us driving it. And how good we would look and feel to be seen driving it.
Yeah, and where did that get us?
I’ll tell you where! With 60 months of huge car payments, zero money in our bank account, and a butt load of regret and frustration!
Needless to say, since I had no money to repair the heater, I ended up going THAT entire winter and the next still freezing my ta-tas off!
What Your Finances Are Missing
So now you’re probably wondering, what happened with the car?
Well, after a lot of soul-searching…
I decided that I’d rather have a newer, more reliable car than start throwing my hard-earned dollars away on outrageously expensive car repair bills.
However, this time I was going to be smart. I was determined not to end up making the same flawed money decision as last time.
So, before buying the next car, I had to dig deep and understand what it was that I truly wanted.
And that’s when I realized that I didn’t care anymore about the status and aesthetics of a luxury car.
Whether we’re ready for it or not — things happen.
And when an unexpected expense arises, people begin to panic…
Because they don’t have the funds available to handle the crisis without making their financial situation worse.
However, when you have financial security, that means your finances are stable. And you have enough money saved to comfortably cover emergencies without causing hardship.
Plus, you’re still able to save and plan for your future financial goals.
In other words, financial security allows you to live your life with comfort, stability, and peace of mind.
And how wonderful would it be to have less money stress so you’re free to focus on the things in your life that truly matter?
Okay, now getting back to my car situation. I knew that I needed a rock-solid plan in place before buying my next car.
So, I started creating my own sort of financial roadmap.
I knew from my previous money mistakes that it needed to include some crucial money principles. My goal was to be able to comfortably afford the car note, pay my other expenses, and still enjoy life.
And after trying many times, failing, tweaking, and trying again…I finally found a strategy that worked!
I was able to create a plan that allowed me to purchase my new car AND pay it off early.
But I didn’t stop there.
My plan was working so well that I was also able to establish my emergency fund, get ahead on my bills, and eventually become 100% debt-free.
The interesting thing is that I wasn’t even trying to be debt-free at first. But the strategy just made it almost impossible not to get to debt freedom.
Then, when people found out I was 100% debt-free, they kept wanting to know how I did that.
And that’s when I decided to create a financial freedom roadmap.
I was able to hone in on the precise steps needed to create a faster, easier way to help other people learn to maximize their monthly cash flow and create breathing room in their budget.
From there, it gets super easy to build an emergency fund and start paying down debt — without feeling deprived!
AND the best part is…anyone can literally do it within a few months — when you know the right steps to take, of course!
People are always so surprised to find out that it’s possible to finally start experiencing financial security WITHOUT taking years OR being rich.
And making sure that you have the financial security to handle a money crisis can make all the difference between feeling stress or having peace of mind.
If you’re interested in knowing what my steps are and how they can help you have better financial security, then click the image below.
I’d be happy to chat and tell you exactly what those steps are and how to implement them for YOUR unique money situation.
Who knows, it may just give you the breakthrough your finances need as well.
So hopefully you don’t end up having to suffer through two winters with a broken car heater and freezing YOUR ta-tas off!
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