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Jul 27, 2017

Look Before You Leap


Man about to step off a cliff

Look before you leap is a common saying that simply means think carefully about what you are about to do before you do it.

Sometimes we rush into financial decisions without weighing all of the outcomes.

This has been the month of calls from clients and non-clients who failed to think carefully before making a major financial decision.

One woman called me the day after she went car "looking." She told me that she was going to the dealership to find out what her trade-in value would be on her current vehicle.

Two hours later she drove home a brand new car with a car payment that went from $500 to $700 per month.

She was feeling buyer's remorse and to make matters worse her budget was already tight with a $500 payment.

Another call came from an arguing husband and wife who the day before had consolidated a bunch of debt into one payment.

This couple couldn't afford the payment. Part of the consolidation included rolling in some very small credit card balances into a locked-in larger monthly payment that was part of the consolidation.

That immediately eliminates the possibility of quick wins by paying off a small balance.

As a third party looking in, my heart sinks when I hear those stories and get those questions.  When people ask what should they do, the tiny voice in my head says, "Turn back the clock to BEFORE you make the decision and call me for help."

Too many times we look before we leap due to emotional reasons.  Money and emotions shouldn't be so closely tied together, but many times our emotions cloud our decision-making process.

As a Coach, I'm not emotionally invested in the decision at hand and can give more rationale suggestions. Of course, ultimately any decision is yours, but simply REACH OUT!

Emotionally, I don't want you to be struggling.  Emotionally, I want you to succeed in all areas of your personal finances. I simply can't do it for you, but I'm great at providing a non-emotional viewpoint, suggesting alternative scenarios and simply cheering you on!

Act BEFORE you leap. Get some counsel and wisdom. Then if it feels right, go for it! If not, I may have saved a bunch of regret and stress down the road.