Stop Making Excuses
Back in 2007 my husband and I set a goal to pay off our mortgage “by December 2011 or sooner.”
Well, it’s the beginning of 2010 and we have paid off about 12.5% of our mortgage so far. To be on track, we would have had to have paid at least 50% of our mortgage by now. So we’re behind.
What happened? Well, we had some unexpected expenses. Just this past year alone I paid out over $10,000 in things I hadn’t planned on. And that’s just for my own expenses — there were additional things like big household expenses and vet bills too.
While all those things did happen, I’ve just spent the last paragraph deliberately lying to you to make a point. None of the things I listed are reasons why we are behind in progress on our goal. They’re just excuses.
The real reason we’re behind is that we haven’t made our goal the priority. Only about two of the unplanned things I mentioned actually had to be dealt with at all. Even then, those two things could have been dealt with less expensively. It would have been unpleasant, but it could have been done.
On top of what I mentioned, we could have forgone trips to Italy, Nebraska, Washington, Mexico, and New York. We could have decided not to do two complete bathroom remodels. We could have eaten out less. We could have gotten second jobs. We could have done a lot of things.
You get the point.
If you really want to reach a goal, make it the priority and stop making excuses.
That’s what we’ll be doing this year.