Do you lower the bar on your goals to accommodate your life and its responsibilities.
Positively Purging-I welcome your feedbacks in the comments and your likes and passing the real life wisdom on to others as I embark on this new venture of “positively purging“, as I know each of these pieces represents something…
1) Many people are ready financially for retirement significantly before they are emotionally ready.
2) After 50 years of saving for retirement it is challenging for most to start spending down what they have saved.
3) Most of us know what we are retiring from but aren’t always sure what we are retiring to.
4) Research indicates that transitioning into retirement is more successful for those who’ve planned for it.
Each day grants you the opportunity to realign, adjust, and move in a way that honors your ambition and well-being.
You’re not behind.
You’re not failing.
You’re in motion.
And that’s enough.
Here’s to a summer filled with intentional progress, self-compassion, and sustainable success.
Whatever we resist, persists. Don’t deny what’s happened in the past and don’t ignore it. Those feelings are valid, but we don’t need to dwell on them. Acknowledge and accept the life lessons it has taught you. But, give yourself a time limit to reflect and reimagine – and then move on. We can’t change what’s happened to us. We may have had an unfair past, but we don’t have to have an unfair future. We may have had a rough start, but it’s not how we start, it’s how we finish. – Richard Leider
Here are other things you should do:
Review your savings. This may seem simple, but look at your budget to make sure you have the cash you need to pay necessities. Figure out how long you can cover your bills with the cash you have on hand. This may mean cutting nonessential expenses as soon as you realize you are being laid off.
Don’t be afraid to talk to your creditors. Make preemptive contact to strike a deal if you think you cannot make a payment. Your card company, mortgage or auto loan lender may not give you a break, but you’ll never know if you don’t call. Don’t wait until you get behind before you reach out.
Slow down or pause any aggressive debt payoff. Your highest priority should be your rent or mortgage, your auto loan and child support. Lower priorities might include credit card debt. Just make the minimum payment for now, and you may not even be able to make that. Concern about your credit rating should not move up a debt’s priority. You can fix that damage later.
Avoid tapping into your retirement account. If you’ve exhausted your emergency fund, you may feel you have no option but to tap your retirement account. However, make it a last resort.
Real Life of an MSW 