Most of American society has had a pendulum swing from rampant consumption to mindful curation. The reasons are likely both by design and by default (The Great Recession). If you're like me, you've at least haphazardly implemented the KonMari method in your home. You've thrown out all your 8-year-old underwear and dusty text books. Now it's time to overlay this philosophy in your financial house.
Before I dive into credit card debt, let's talk about luck, personal responsibility and the role they both play in having your finances in order. I only bring this us up so we can go into this conversation with proper perspective.
It's important to understand that having your finances in order is first a matter of luck and then a matter of personal responsibility.
A lot of smart people before us have stressed the importance of knowing one's self. Ancient civilizations of our world, thought leaders and philosophers have touted the virtue of this. This still persists today. Depending on who you ask and what school of belief you subscribe to, knowing yourself has been framed as the literal meaning of life.
Self examination plays a huge role in your personal economics. Knowing who what you value and what has influenced impact your decisions and your goals
Do your best. Always. At everything. It's hard, but more often than not, you'll feel better than if you hadn't tried your best. Even if you fail or look stupid or fall short. It's possible that the euphoria and pride of doing your best outweighs everything else. It might even motivate you to try harder next time around. And if you do that consistently, whatever limits you originally placed on the outcome could dissolve. And that's when and where magical and interesting shit can happen.