As a woman, I naturally want to dedicate this post to women but I believe it resonates with both men and women so I won’t be biased and talk directly to us.
I want to talk about the importance of having F U $. Of course, you heard of this but probably not in this way. You probably heard someone say “save for a rainy day or just have a savings.” So if the title bothers you, just insert a phrase you’re comfortable with but today on PMH.com this is what we’re sticking with! Okay?! So, now that we got that out of the way, let’s get on to the good stuff!
It’s so important to have F U $ because let’s be honest life happens and when it happens, you want to make sure it’s something you’re comfortable with facing. Just a little back-story as to what made me talk about this on today. Last week I took myself on a date to a very classy restaurant just me and my journals and the table next to me was talking loud enough that I could hear their entire conversation although it wasn’t that interesting, one thing that was said really made me listen harder. Two sisters and one of the sister’s husband was dining in and talking about a lady named Rachel. I overheard one of the sister’s say, “Rachel doesn’t know what’s going on financially, and her husband works and pays all the bills.” I immediately said to myself, “Oh Rachel GIRL!” now no judgment against Rachel at all because I grew up in the same type of household but I believe in THIS day and age you should at least know what’s going on financially. What if something happens to Rachel’s husband and he’s unable to work? I’ll paint the picture that Rachel’s husband has a 401k or some type of retirement account so I’ll give them the benefit of the doubt and say that it’s something they could live off of until he either finds another job, or he’s well enough to go back to his old job but RACHHHEELLLLL! Why are you putting your entire life into someone else’s hands without having a clue about what’s going on financially? Which brings me to the title of this post.
Now let’s paint this picture…
What if one day Rachel’s husband just magically decides that he no longer wants to be married? Now, I’m not saying he’s not a good man and he’s leaving her and the kids high and dry, so he will let her have the SUV and the home. He will also pay the house bills for 6 months but after that, she’s on her own. However, he will pay child support but that doesn’t cover household expenses, car note, and day-to-day necessities. What will you do Rachel, girl? Well, Rachel has to get a job or create her own. And I believe we all can learn a thing or two from Rachel. The lesson in this is to never depend on anyone to provide you with life’s necessities both male and female especially if you’re in good health and you’re able to work. Always remember it’s not about how much you make, it’s about how much you save. Rachel doesn’t have to make more than her husband but if she was building a little side hustle when things were all good, she wouldn’t be pressed to figure something out before he rips the rug from under her and the kids in 6 months. Sometimes, it takes something dramatic to happen to us in order for us to wake up and see that it’s time to make a change and you know what, that’s okay too! You can learn to build your wings on the way down just don’t get down and stay down, figure out a way you can build yourself back up. How does that look? Well, I’m glad you asked! It looks like you taking a hard look at yourself in the mirror and affirming that no matter what it may look like now, things are getting better.
Pray and ask God for guidance and to help you to remain positive while going through this.
- Write down your goals. Things you love to do, things you’re good at doing and something you’d do for free if you had to.
- Write down action steps next to each goal.
- Write down an estimated deadline next to each goal.
- Whatever money you have, only dedicate it to necessities which means you may have to sacrifice and bring your own coffee from home before you go and work on the computer at Starbucks. Pack a lunch too.
Basically, start making sacrifices and eventually while you’re persistent, you’ll see yourself knocking out each goal and when you feel yourself rising up don’t forget to invest into your F U account!