On Sunday morning, I strapped on my skis for the first time in 7 years. Why it was so long doesn’t matter, but I snapped a photo and texted my dad “Here goes something!” He replied, “Have fun.” I tucked my phone away and stood at the top of the mountain, peering over the edge, wondering if I could do it. Skiing has always had a way of pushing me past my comfort zone. I remember when I was younger and my dad would lead the way to the black diamond hill and I would panic knowing for sure it I couldn’t do it, and yes, there were often tears involved.
Finances work the same way. There are always going to be factors out of your control and you have to adapt and work your way through the fear they bring up.
You see, no matter how many times you ski a slope, it is never the same twice. There are too many factors in nature that are out of our control. A slope with fresh powdery snow in the morning may be tracked down to icy moguls by the end of the day. You just have to adjust to the conditions to make it down the hill.
Luckily, my dad would show me a clear path that he knew I could do and remind me of the hard slopes I had conquered in the past. But, the fear would still be with me and when my dad saw me freezing in fear he would simply push off and ski a short way down the hill. He would look up and wave his pole cheering me on because he knew two things…..
The only way to get down the mountain is to point your skis down the hill.
Fall down? Dust yourself off and get back up.
Rule 1: The only way to get down the mountain is to point your skis down the hill.
Finances can feel like just like the scary mountain and in the face of fear, you have to use what skills and experience you have and simply take one step forward. There is only one way down the mountain, so you have to choose a path even if you aren’t 100% sure if it is the right one or wrong one. Point your ski tips down the hill and give it a shot.
What is the next right action? Maybe if you are feeling scared or overwhelmed about your finances it is simply to open the bills and read through them. Maybe it is time to make a phone call about a bank fee or to negotiate a payment plan? If you don’t know what the next right action is, then it may be asking for support to talk through where you are and where you want to be!
You can do this, and like my dad did for me, I will cheer you on and give you suggestions. You aren’t alone on this journey.
Rule 2: Fall down? Dust yourself off and get back up.
You don’t have to be perfect and solve everything in your finances today. If you go over budget, blow your month with some emotional spending, or have something unexpected come up, then just pick yourself up, learn from the experience and try again from where you are today.
How do you pick yourself up? Start by acknowledging what happened with love and compassion. Then, see if you can discern why this happened and offer yourself forgiveness. Finally, don’t beat yourself up. Just learn from the experience so you can make a different choice in the future.
We all have good and bad days, no matter where we are on our financial journey. Trust me, I still get stuck in overwhelm and fear some days when things aren’t going as I expected or desired, but I have surrounded myself with beautiful coaches and friends that will lend me a hand and help me stand back up.
Ask for the support you need so you can keep going.
Rule 3: Everything is figure-out-able!
When you face challenges in life it is easy to feel overwhelmed and not know what to do. Remember, you are resourceful, have years of experience that have given you knowledge, and you are supported. Take a deep breath and lean IN and trust that the answer will be shown to you.
You are not facing this mountain alone! I am here cheering you on and happy to guide you down the mountain ❤