You have to realize that my parents were no way wealthy. They were strictly hard working blue collar workers with very limited education but they got by every month ok..pretty well in fact.
I never wanted for anything when it came to a roof over my head, good meals, clothes, plenty of toys etc. and I am the same way today. Not wealthy by any stretch of the imagination. I’m just a regular Jane like most people out here trying to get by with No degrees in financial planning, just some old fashioned common “¢ents”, but I figure when I can get by every month and Not go in a hole financially, can buy little extra’s here and there during the month or if my microwave breaks down, (it just did a couple of days ago), I am able to go out and replace it that day because I have managed to put away a bit of savings over the years, then I’m doing ok.
I am Never going to be rich…unless I win the lottery, (which is pretty unlikely), or marry a billionaire, (which is much more unlikely), but that’s ok. I figure that with the financial crisis around the World today if I can afford that “microwave” then I’m doing ok…For Me!
Personally I think when you are planning for your financial future you should not aim unrealistically high. If I were starting to make a plan today then my end result would not be that I would be a millionaire in 5 years! You have to be realistic and work with what you have to work with and start out slow. By doing this and by setting a Realistic goal then most of the time you will make it. If you set your goals too high and don’t make it, (which most people won’t), then when you don’t succeed in reaching your goal you will find yourself depressed and likely give up all together thinking, “what’s the use?” (If you do set your goals extremely high and Do make it then, THAT’S GREAT & CONGRATULATIONS! from the bottom of my heart)!
That’s not to say you won’t have set backs along the way…because chances are you will, (trust me I’ve had my share and am sure I will have more in the future), but if/when you do, you just have to pick yourself up, dust yourself off and keep going forward.
Any time you have a set back it can be just a temporary glitch or maybe there is a little something wrong with “Your Plan” and you may need to “tweak” it once in a while to get yourself back on track and going towards your goal.
Realistic plans can be reached and next time I’ll tell you the story of how I got started on a plan many years ago, reached my goal and still use the same basic concept as a part of my plan to this day!
