No matter where you are in your financial journey, whether you are just starting out getting your finances organized or are quickly approaching your last payment before debt freedom, there are many things that can help you conquer the road ahead of you. These are some things that I have done and/or are currently doing now that I have found to be helpful in my personal journey.

  1. Keeping track of your progress
    There is no way to know how far you have come unless you know where you have been. When you keep track of your goals and your progress, you can see the things that you have already accomplished.fountain_pen_note_notebook_page_paper_pen_spiral_notebook_table-1175794
  2. Set mini goals along the way
    This is one thing that helps me to keep on track when I have a daunting task ahead. By having a mini-goal, you are able to achieve smaller accomplishments. Having a sense of accomplishment can build motivation to work harder to move on to the next mini goal. This then leads to achieving the main goal sooner.
  3. Have a daily reminder of what you are working towards
    Have something setup daily to remind you of why you are doing what you are doing. This could be a picture of your family at your desk at work or perhaps a list of goals posted above the coffee maker that you see every morning. If we are not reminded of what we are working toward, we can easily lose sight of it.
  4. Be more self-aware (keep track of your thoughts and daily reflections)
    As I have mentioned in a previous post, I carry around a notebook with me on a regular basis. You never know what you are going to have a profound thought about your life or situation. By having a notebook readily available and documenting your daily reflections, it makes you more self-aware and helps to adjust your habits to lead to more financial success.
  5. Stay positive
    By keeping positive thoughts, it is more likely your goals will be accomplished. This is because negative thoughts lead to negative actions such as putting off goals and “worrying about thing later”. Do your best to stay as positive as possible in every aspect of your life. Doing this will help you to see smaller achievements that may have been taken for granted before.
  6. Get an accountability partner
    When working toward a big goal such as paying off debt or saving money, having an accountability partner can do wonders. We all have our weak points when it comes to spending money and delaying savings. By having an accountability partner, you can be reminded of what you are working toward.
  7. Come to terms with the fact that some of the best things in life take time
    We live in a society of now. We want things taken care of instantly and do not have the patience to wait. If you are in debt, chances are that the debt did not magically appear instantly. It is something that accrued over time. Paying it off is going to take time as well. The good thing about this is that once it is paid, you will have a better appreciation of the work put in to pay it off. Hopefully enough appreciation to prevent you from going back to a debt-filled life again.
  8. Limit or eliminate things that set you back
    There are things that we all do that set us back in our financial journey. Going on vacation, eating out at restaurants with friends, purchasing unnecessary but desired items; these type of things make us feel good and may be good for our mind and spirit, but they are a drag on the checking account. By limiting these, you can put more focus on your financial goals.
  9. Repeat things that work well and make them a habit
    This is one that I am actively working on myself. From books and articles I have read, one common thing I see in financially successful people is that they create good habits. In order to be successful, you do not need to re-create the wheel. You need to find what works for you and keep repeating it.
  10. Automate
    Automating savings and bills can do wonders. By setting yourself up on an automated system, you do not need to worry about if you are saving any money or if that bill was scheduled. You know that it is already being done. Without worry, you can place more focus on improving other areas of your finances and your life.24803618672_ef6aed8c0d_b

If these things sound appealing to you, I encourage you to give them a try. The easier we make our financial journey, the further we will be able to go. Yes, the road to financial freedom is difficult, but it is certainly worthwhile.

I would love to hear from you to find out your thoughts on this list. What would you add? What would you take away? Which one or ones have worked for you? Please leave your comments below. You can also email me directly at

3 thoughts on “10 Ways to Help Change Your Financial Situation”

  1. Paul, Hands down for this beautiful post. I totally agree with the point number 8 “Limit or eliminate things that set you back”, there are things like window shopping make us feel good but that also increase our unnecessary expenses, its always good to eliminate it as long as there are many other ways to feel good.

    1. Thanks. Glad you enjoyed the post. I find it amazing how many things I have discover about myself since starting this blog that have set me back in various aspects. It’s a great feeling to make changes for the better.

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