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This is inspiring. If they can do it, you can do it. You can achieve your goals.

I think that I have always been a go-getter and a goal-achiever.  I have always been disciplined and enjoy making goals.  Although I wouldn’t describe myself as a high achiever or a perfectionist (for example, I would never have the urge to do an Ironman- probably because I can’t really swim- but I do have the urge to complete a half-marathon, to obtain a master’s degree, and to visit places like Mt. Everest and Mt. Kilimanjaro, to create a successful blog, and to make goals such as net worth goals for myself).

In a nutshell, I don’t think I really make many excuses for not being able to do something.

I don’t think I really tolerate it that much in others either.  Not that I don’t tolerate it, but I try and persuade and inspire the other person to think past their limitations, think past their excuses, and achieve their goals.

My friends describe me as someone who can be super blunt and super honest.  Which can be a good and bad thing, depending on how you look at it.

Although the title of this post isn’t super blunt, I thought I would inject some of my bluntness into this sentence:

Sometimes, I think that there are no excuses to personal finance goals.  There is no need for complaining.

Why Are There No Excuses?

I know that in many cases, there are legitimate excuses.  Their are income limitations and time limitations.  There are other obligations.  However, in other cases, there are no excuses for feeling like you have no money, or feeling like you can’t save money.  There are many successful personal finance bloggers who had felt like this in the beginning- they felt like they could not save any money, they felt like they would never get out of debt.  But they did.  Many of them got out of tens of thousands of dollars of debt, many of them in a short duration, like less than a year.

This is inspiring.  If they can do it, you can do it.  You can achieve your goals.

Related: How to Achieve your Financial Goals

Whether these goals be saving 10% of your after tax income.  Or whether these goals be visiting Europe for the first time ever.  Or whether it is saving enough money for a new car.  Or a down payment to your own home.

What does it take to achieve your goals?

 It All Goes Back To Values And Awareness

It boils down, in my opinion, to how badly you want it.

What do you value?  Do you value eating well and enjoying a great lifestyle?  Do you value going out with friends a few times a week?  Do you value living for the “now” instead of traveling and exploring places?  Do you value your daily Starbucks coffee or your daily restaurant or fast-food lunch?  Do you get the newest gadget from Apple?  Do you upgrade your cell phone at every opportunity?

Related: Savings goals can help you achieve your life goals

When you live for the now, we don’t plan for the future.  When we spend more than we earn (it’s simple math, really), we don’t save.

The key, I think, is having awareness of where you are spending your money.  You can start by writing down where you spend your money.  This will make you aware of where you spend and make you consider or contemplate whether this is where you want to spend your money.

I must admit, I’m not a big fan when people say they want to travel but can’t because they don’t have enough money to travel.  But they eat at restaurants regularly.  And they buy coffee every day.  When you think about where you spend your money and where you would rather spend your money, you make goals and change your habits accordingly.

Related: Save or Invest for Short Term Goals?

$8 lunches Monday to Friday is $2000 over the course of a year.  That’s more than enough for a great vacation.

Here’s a great article from Yahoo on 10 reasons you’re not rich yet.  If you can eliminate these barriers, you’re going to be off to a good start.
Readers, what are your goals?  What are your excuses?  How to do you see yourself eliminating these barriers to achieve your goals?

Article comments


Excellent post! I couldn’t agree more. I have a number of friends who love to complain about the state of their finances or the costs they face, but then they go out for lunch every day. The moment you realize that the buck stops with you, is the moment you are truly powerful. That’s one of the things I love about the financial independence journey – ultimately it’s up to you. Yes we all face struggles (some more than others) but at the end of the day, it’s about taking control of your life and crafting the existence you want for yourself.

Phil says:

If you have not read it, read “Your Money or Your Life”. Your post is almost a synopsis of the book.
Readers, what are your goals? – Our goal is to have more money coming in than we need, while not working – Lofty, but achievable.
What are your excuses? – No excuses, only laziness from time to time… How to do you see yourself eliminating these barriers to achieve your goals? I don’t believe it necessary to eliminate my laziness, as long as it is only from time to time, and not most of the time. – Nice post – Cheers.