I will never forget the essay that I wrote to get into college. The topic was simple: “who is your hero, and why?”. I chose my brother, because in the midst of my family going through a difficult change, he said, “you can sit there and cry about it, or you can get up and go do something about it”. At that moment I learned never to wallow in my sorrows, because life goes on, and wallowing gets us nowhere.
I was watching a video the other day about a man who visited the Phillippines to deliver food and toiletries to the people affected by the 2013 tsunami. Low and behold, standing in the midst of rubble under what was left of their old homes, people were smiling. It reveals a lot about humans – that we have resilience, the ability to bounce back after experiencing severe amounts of stress. Not only do human beings possess resilience, but they learn from experience to improve judgment and thus make better decisions in the future because of that negative time.
The solutions to our tragedies (however big or small) lie within our choices. Many of us have been severely impacted by the financial crisis and feel as though we are stuck in these situations because of the government, or Wall Street, or whomever we choose to blame. The truth is we need to stop blaming everyone else for our shortcomings and start buckling down to make decisions with foresight.
It’s January. It is time to start making goals, and writing them down to make them concrete. If your credit score has taken a hit, start by paying off your debts from one line of credit to the next until all are paid down. If you are throwing away a fortune renting when you know it’s time to buy a home, but you don’t have enough money to afford a down payment, revaluate your options and sit down with a loan officer to review your financial situation for free. If you are thinking of having children, but not sure if you can afford it, your mindset will change once that little bundle of joy pops into your life, and you will make personal sacrifices that are worth the wellbeing of your child.
“if you want to control the direction of your life, you must consistently make good decisions. It’s not what you do once in a while that has an impact on the direction of your life…” (MortgageExecutive, 2013)
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