The Real Hangover

A new year begins. It’s day 1 and many of us make promises to ourselves to get fit, lose weight and save some of our pay. January 1 is an opportunity for a fresh start but for most of us it comes with the hangover of what we failed to do in the past year. We didn’t lose weight, get fit or save the money we promised ourselves a year ago. So why is this year going to be different?

Because you are a year older and wiser and you can now see that you carry the hangover of previous years with you into the next. Not only do you need to save money but you need to first repay the financial burden you have left yourself from last year. This encumbrance is increased by the fact that you have to pay the debt plus the interest adding to it each day!

So when are you going to stand up to your old habits and say “Enough is enough”? You only have to face yourself. How hard can that be? If you can stand up to another, why should it be so hard to stand up to yourself? Maybe its because you can get away with chickening out or maybe you don’t know where to start. Or maybe playing the victim serves you in some secret way….. Do you thrive on the sympathy from your family or friends? Does it give you an excuse to avoid the responsibilities of success?

Let's go 2014

Here’s the simple first steps to financial freedom:

  1. Write down some things you want to achieve and give each a deadline. 1 month, 1 year, 10 years or whatever.
  2. Write down the real life consequences of not achieving those things. What you’ll miss out on and the pain of failure.
  3. Write down a plan of action. What steps will you need to take to reach your targets? What will you need to forgo? How much time will you allocate? What will you do differently?
  4. Start. Just do something (anything). The journey of a thousand miles starts with a single step.

You will notice that writing down your goals and plans is critical to your success. Don’t wonder why or short cut the process by not writing them down. Just write them down and a weird magic will take over. In your head they’re just ideas swimming around but written down, they’re concrete and real and your mind treats them differently – more seriously. Now share your plans with a partner or friend and ask them to keep you accountable.

Your future is truly in your hands. You just need to step up and create it. Take that first step and start your new life today!

Pim Stort is a professional debt advisor and owner of SOS Debt Solutions. He helps people who are struggling with debt and is author of “Unleash Your Money Mojo“ available at

Contact him at and start creating a new future today.

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