How’s Your Annual Savings Plan Going for You?
Truth be told, I didn’t start a savings plan this year. Heck! I haven’t had any resolution the last two years, and I’ve painfully reaped the fruits of my disorganization. I guess it’s safe to say, resolutions work. Tried and tested. Our school deputy and an old friend of mine asked me if I have ever started a chama where I am the only member. I smirked, as mattress banking was all that came to mind. But then, a stream of thoughts came to mind; saving is paying yourself. Saving is putting yourself first. Saving buys you peace of mind…the one thing I yearned for since October, knowing I had no income to keep me going in December.
A little regret to fuel my ambition
I hate the feeling of lack. It makes you angry, frustrated and desperate. It makes you lash out your loved ones and question your existence. The fear of lack made me work my butt off, pushing for as many projects as I could get my hands on. At a time like this, I should be rewarding myself and my family for all the hard work we put in in the various areas of our lives, school, work and all. I should be able to comfortably retreat and reenergize. Yet here we are. Take another bite of regret.
Saving should never get old
I am making plans now, while the hurt feels fresh. I am using my discomfort to change my status. I promise to save more, to save for December. I will save so well, I’ll even add me a bonus. Yes, I too want to splash money on Black Friday deals, even though I know there’s really no sale. Nevertheless, that’s when the goodies the sellers hide are out so, why not? Want to enjoy a little bit of yourself? Start a personal chama. Go on and save for your most vulnerable time.
