Our culture moves at breakneck speed. News happens fast, food is served fast, and medicines to deal with our bronchitis act fast. Technology may move the fastest of all. It seems as though new devices are released everyday. And just when you think you have caught up, you are already behind.
The pace of life and the urge to keep up creates tension with our finances. We develop faulty thinking and succumb to spending money we don’t have. Poor logic and impulsive decisions often get us into financial trouble that can take years to work through.
Truth is, there are mechanisms we could use to prevent us from getting into financial trouble but we talk ourselves out of using them. Ever had any of these thoughts run through your mind?
On Preparing a Budget. “This is way too difficult. I can never make the numbers work out. Besides it’s too emotionally painful because my spouse always disagrees with where the money should go. We end up in a big fight every month. I ain’t got time for that.”
On Delaying Gratification. “I mean really…who wants to wait six months to purchase an item. I ain’t got time for that. I want to feel good now. Plus, I’ve got to keep up with what my friends are doing.”
On Comparison Shopping. “You mean I have to spend all afternoon going from store to store trying to find the best price? I ain’t got time for that because I have to do the laundry, clean the kitchen floor, pay the bills and feed the kids all before we go to church tonight. I’ll just buy this one, even though I know it’s less expensive somewhere else.”
On Waiting for Sales. “Nobody ever knows when they are going to drop the price on an item. I ain’t got time to wait for that.”
On Avoiding the Pressure Sales Pitch. “The appliance salesmen said he couldn’t guarantee the same deal if I come back tomorrow. I don’t want to take the chance, plus I’m tired of his spiel. I ain’t got time to talk about it with my husband…OK…where do I sign?”
On Reading Product Reviews. “Ain’t nobody got time to read all the product information on the Internet. It’s mostly biased anyway. And there ain’t no way I’m paying a subscription fee to Consumer Reports.”
On Negotiating a Deal. “I ain’t haggling back and forth over price…just pay them what they say it’s worth and let’s go enjoy our new toy.”
On Saving. “You really expect me to save $400 a month for 10 months so I can buy this $4,000 car? This car ain’t gonna be here in 10 months. I’ll just get a loan now and pay that off in the next couple of years.”
On Praying. “Um…I ain’t really into asking God for His opinion on stuff. What if His answer takes too long? He will probably say ‘No” anyway. I ain’t got time for Him on this.”
I’m sure this isn’t a complete list of tools that could help us avoid financial trouble. Perhaps you could list some more in the comments below. I ain’t got no more time to think about it.
How do you combat the “ain’t got time for that” mindset?
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