Planning: The Road to Financial Freedom

If you had the opportunity to travel to Europe, would you prefer to do it in six months or two years? Very surely they would, or better, we would do it in six months. Why wait two years? And if in two years I don’t have the same health now? What if in two years Europe has gone from being the fashion destination to go on vacation? And what will my friends say if they see that I have not left the country and I have not given myself the life of a prince that I deserve?

These are possibly the questions that begin to haunt our heads, make us act and think in the short term, in the now, in the very near future and overshadow the vision of a long term.

We grew up with the ‘chip’ of enjoying the moment without planning it, we avoided thinking about tomorrow and excused our lack of persistence and planning arguing that it is tedious, complicated and difficult to pursue our dreams and achieve our goals.

 

Thinking about the now without projecting our future

Thinking about the now without projecting our future

It is the root of our financial disorders . Nobody likes to wait, much less if it is to prelude a ‘lujito’ like fashion clothes, vacations, cars or fun. It is indisputable that it is boring to wait for our dreams and even more when everything around us seems to indicate that progress and satisfaction only knock at the door of our family and closest friends.

It is not strange to observe our cousin planning an expensive vacation, our neighbor walking in his new car with an overflowing smile and at each meeting, our distinguished friends premiering clothes. And who doesn’t feel like spending, buying and leaving savings for later? It is normal and understandable. But if we put aside the emotionality that characterizes us Colombians and think more rationally, our pocketbook and our financial stability would surely thank us. It is not about becoming stingy, much less saving money and not enjoying it; The key is to PLAN.

 

Planning is not simple

Planning is not simple

It requires effort and perseverance. Our happiness leads us to live every day, to borrow, to buy more and more things that do not turn out to be urgent or important just to follow the consumption that society prints us. Planning is a habit and like all habits it takes time and patience. It is we who control our money and do not let it be money who controls us and makes us slaves to credit and consumption. If we consciously plan our savings and are ordered and controlled at the time of spending our money, we will notice what José Ingenieros mentioned “The happiness that money gives is in not having to worry about it.”

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