ACTION STEPS for Head In the Sand Budgeting

Is this you? Are you budgeting with your head in the sand?

Are you complacent with the way your budget is going? Do you know approximately what is happening in your bank account? Are you happy with your work?

Are you brave enough to look into your future?

What does your future self want?

Would your future self appreciate you taking some time to set up a plan to help him or her out?

Even tiny shifts can change the direction of your life. Think of how a ship or an airplane navigates. There are no landmarks to guide them. They have to set their route and go. If their navigation instruments are off by even a single degree, they will be off their destination by thousands of miles. A tiny shift can be something like saving $50 a month towards an emergency fund. Keeping track of monthly expenditures and cutting out the most non-necessary items, and putting away the savings. Even just being aware of your monthly spending can help you stay on track.

Especially if you’re making comfortable money now, you can definitely create a better life for your future self. You don’t have to work until your 80s.


  1. Create a vision for your future self. What type of lifestyle do you want? What bucket list items do you want to have accomplished? Where do you want to live? How do you want to live?
  2. Look at your current self. Can you do anything now to help support your future self? Are there lifestyle changes you can make now that could make life better for your future self? That could include anything from improving your physical health, mental health, and financial health. If there’s anything I’ve learned from years of working with elderly in their homes, it’s that a) you never expect you’re going to live that long, and b) the habits you establish in your youth will be the habits that either help you or hinder you in old age. In other words, the habits of complaining, eating junk food, and a sedentary lifestye all create a pretty poor outlook for the future self. Hands down, the elderly folks in the best shape and with the best prognoses are the ones who took care of their health- eating well, exercising, and maintaining healthy social connections. Having their finances in order is a bonus- and one that can easily be prepared for if you start now.
  3. Decide to take action. Write down your goals and put them in a place you can see them every morning. Save at least 10% of what you earn. Take steps towards paying off debt. Cinch down somewhere to create abundance elsewhere. Keep taking it one step at a time and let me know how it goes! I’m here to support and motivate you, just as you can support and motivate me! Tell me what your goals are in the comments section below! Thanks so much for reading.

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