Facing our money hurts

by | Apr 25, 2024 | Financial Well-being

Facing our money hurts. Oh, my God, it hurts so much!

We can feel physical pain, frustration, and disgust when we need to say our numbers out loud, identify and track our expenses, see the balances on our bank statements or the due taxes on the tax statements, check the unpaid invoices or even the overdue ones. It hurts, it’s not a lie, it’s not an overstatement.

Most of the time, we don’t know our expenses. We have a general clue on our expenses and how they are covered or not really by our revenues, but that’s it. Somehow, we manage to get going with this approach every month, year after year.

At some point, we may be motivated to start a budget and track our expenses. Some financial advisers, money gurus, or even friends or people we follow on social media have said this is important, so we could at least try it, right?

And with all the motivation ahead, feeling like starting a new gym membership, we do this for a month or two. And then, just like it happens with sports or diets, we lose the motivation, we are fed up with the effort and frustration we have to deal with every time we check our numbers, and we choose to change the focus on some other matters that perhaps are more important, leaving all this behind.

In the end, we’ve made it so far, right?

We didn’t end up hungry, outside, on the street. So, we can go on as we are used to. It wasn’t that bad. But it wasn’t good either.

Tracking our expenses is often like choosing to get hit over and over again by a huge sea wave and swallowing bitter and salted water each time the wave hits. At some point, you get nausea.

So why would we do it anyway?

Nobody wants to provoke pain or suffering in themselves, right? Unless we are masochists. Or are we masochists with our money?

Believe it or not, we kind of are.

It’s like that story with the man who had a splinter in his hand. The pain from the splinter bothered him greatly, so he looked for a doctor to have it removed. The doctor examined the man’s hand and confirmed that the splinter could be easily removed with a pair of tweezers. However, when the doctor attempted to remove the splinter, the man cried out in pain and withdrew his hand.

Despite the doctor’s reassurances that the momentary pain of removing the splinter would lead to long-term relief, the man refused to allow the doctor to proceed. He preferred to endure the ongoing pain of the splinter in his hand rather than experience the temporary discomfort of having it removed.

So, we tend to prefer accommodating with the usual, “normal” and (I know it sounds crazy!), but comfortable pain each day, each month, each year, rather than facing one temporary intense discomfort that will ultimately lead us to long-term financial freedom and control over our money.

Yes, in the depths of our financial challenges, there’s a huge discomfort that many of us know all too well. It’s the sting of confronting our money realities, the ache of acknowledging our debts, expenses, and financial uncertainties.

But if we feel we want to experience something else, something better for ourselves and our dear ones in this life, we need to face our financial discomforts head-on. Yes, it’s daunting. Yes, it’s uncomfortable. But beneath the surface of that discomfort lies the hope of financial freedom.

Would you imagine yourself not haunted by your financial worries every day, making your decisions with confidence and clarity, unchained by debts and uncertainty? Would that be even possible for you?

It won’t be easy. Nothing worth having ever is. But with each small step forward, each money saved, each expense tracked, you’re inching closer to that vision of financial freedom and control over your money.

So, take a deep breath, summon your courage, and face your money head-on. Embrace the discomfort, knowing that on the other side lies a more prosperous future that is also possible for you. You owe it to yourself to break free from the cycle of complacency and take control of your financial future. The journey won’t be painless, but the rewards are more than worth it.

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