For those of you who have noticed that I change my
short-tern financial goals at the bat of an eye, I want to explain why I do it
and why I think it’s okay.
Every time I change my mind about how much money to
contribute to a fund or loan or when to do it, I try to explain the reasoning
behind my decision. Usually I try to
look at the numbers or give a real justification, but sometimes I just don’t
have one. The thing is THAT’S OKAY.
My personal finances can change all the time and for any
reason I choose. That’s part of why we
call it personal finance.
If you wondered if I ever regret my decisions (i.e. pouring
money into loans for most of 2013, then realizing I should have been
contributing more to my Roth), then I guess I can tell you that I don’t.
Even though I change short-term goals, my long-term goals
are probably never going to change. That’s because they’re so simple:
1.
Spend less than what I bring in.
2.
Increase my net worth.
These two things seem so simple, and, to be honest, number 1
fits into number 2. Whether I contribute
to my Roth or pay down my loans, I’m still increasing my net worth just in
different ways.
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