Change Is The Only Guarantee

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With the change in seasons (or so the calendar says), we are reminded, sometimes painfully, that change will happen whether we are ready or not.  One day it’s hot enough for sandals and the next we need to dig out our winter boots and jackets because the weather decided to snow.  It’s annoying but we push forward complaining the whole way.  It’s just a byproduct of being human.  The same rules apply when things shift in our lives whether professionally or personally.  Our once routine approach is either stopped or being twisted into something new for better or for worse.  The anxiety and uncertainty lingers and we often wonder whether that next step we hope to take is leaving us on a solid foundation or are we doomed to repeat past mistakes again like some weird version of Dante’s Inferno.

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Money Monday – Are You Keeping the Change?

Money Tree

We have all heard of extended friends, family or coworkers that have taken vacations with the change they collect in a jar.  In fact, most people are moving away from paying in cash all together, so we probably haven’t had change jingling around in quite a while.  Possibly the only time was when we had to request a new bank card and was forced to use cash for a week or two.  I know it can seem daunting to walk around with cash these days.  If you are robbed, it’s much easier to make one call to the bank or credit union and alert them then wait for a new card versus losing all the money you were carrying in one swoop.  But why not start small?  Keep a smaller amount on you in an effort to start accumulate change.  Believe it or not, you will be surprised at how much change you end up with at the end of the week, or end of the month.  This habit will also help you save more of your money.  If you physically have to remember, and count out either exact change you will know exactly how much you have spent.  You won’t have to play the, “Am I going to overdraft?” game and either run home or feverishly check your account online through your phone.

It’s worth a shot, right?

Instead of scrolling through various social media sites looking for a savings solution or starting a savings plan in January only to give up by the end of February, start small and build on your savings goals.  You will be very surprised at the results by even Memorial Day or your Summer Vacation, and create a new positive habit for yourself!