How to stay motivated and beat the excuses of why you don’t focus on your financial fitness.

February 27, 2010 at 11:05 pm

  Minimize Physical Pain and/or Maximize Pleasure …Is how MOTIVATION is defined 

Get Motivated & Financially Fit

Get Motivated & Financially Fit!

 The physical pain of being out of shape financially stems from: 

  • Not enough in savings and investments- or Worse, Nothing at all.
  • Your paychecks don’t cover all your monthly expenses and you live paycheck to paycheck and hope nothing unexpected pops up.
  • And Too Much Credit Card Debt

 You know you’re in over your head when….  

  • Getting phone calls from collection agencies all hours of the day asking for payment.
  • A notice on your door that you’re losing you home.
  • Bills that keep piling up in the corner of your desk – going un paid or worse ignored.
  • Late fees and Over-Limit Charges that keep putting you more and more into debt
  • Sleepless nights, Loss of Appetite, or Stress Eating
  • Arguments with your spouse, children and co-workers
  • Road Rage
    • and on and on….

 This is enough pain to be the motivation needed to make a change! There is one catch…no matter how bad you want to change you actually have to get up off your dime and make it happen.  

Zig Ziglar, said:  “MOTIVATION FOLLOWS ACTION” –  and I completely agree. 

Let me give you a quick example: 

I weighted 255 pounds 3 years ago and wanted to lose a few pounds to qualify for a Long Term Health Care Policy…. So I joined Weight Watchers and lost 56 pounds.  (see my BEFORE photos at

I got motivated initially because it was painfully clear… I was too heavy.  I had to do something.  Fear and necessity were my triggers initially to get started. The action was joining Weight Watchers and following their program. 

As I saw the weight come off… that kept me motivated to keep going and lose more. 

If I’d sat at home instead, wishing to be slimmer — nothing would have happened and there is a very good chance that today I’d weight closer to 300 pounds today…! 

Motivation…. FOLLOWS Action 

Here Are My Action Steps To Help You Get Financially Recharged and Motivated 

  1. Know your spending limits every day and each month.

Just like counting calories to lose weight, you have to know how much money you take home every month and what your bills come to every month. 

If you make more than you spend – Congratulations!   

You need to bump up your savings and investments to put more away for a rainy day. 

If you spend more than you bring home –You should know exactly where your money’s going and where you might make improvements. 

With all the free budget programs available online, it’s simple to get started. What’s not so simple for some? Sticking with it. But if you want to break out of the cycle of living paycheck-to-paycheck and learn how to spend within your means, keeping a budget is a smart first step. 

I have a FREE Family Budget that I am happy to e-mail to those of you who would like a simple and easy-to-use budget spreadsheet that works with Excel. Just e-mail me at Joyce@ and I will send it out to you. 

ALSO – Schedule “bill time” in your calendar at least monthly to evaluate your budget, pay your bills, and figure out if there are places you can cut costs. 

I’m just finishing up a Free Report: “55 Ways to Save Money”. Check back  on this blog site  for more ideas. 

2.      Freeze your Credit Cards  

Credit Cards are like “Fast Foods” 

They are quick and easy and super convenient, but their ease of use can also lead you to overspending. 

Need a trick to help you stop the credit card madness? 

Freeze you credit cards! 

 That’s right. Try dropping your card in a plastic bag, add water and stick the baggy in the freezer. You’ll still have access to it if you need it, but having to wait until your card thaws will give you some time to get over the impulse of buying things you don’t need. 

3.      Pay Off Credit Card Debt 

MYTH  OR TRUTH —  I should pay off the debt with the highest interest rate first to get out of debt quickly. 

TRUTH — Pay off the smallest debt first to create the greatest momentum in your debt snowball.   

If you feel like you need to experience small wins along the way to keep you motivated, the Debt Snowball  method might be the way to go. The Snow Ball Method for Paying Off Credit Cards is Attacking The Smallest Debt First vs Paying off the Cards with the highest interest rates first. 

What’s important isn’t what method you use, rather that you get started… now! 

 According to Time Magazine 45% of Americans make resolutions and only 8% accomplish them. What sets the eight percent apart from the rest is: 


  • They need to be TANGIBLE.
  • They need to be WRITTEN DOWN.
  • They need to be POSTED.

If your 2010 goal was to save more…  That’s too generic.  

You need to get specific.  

My 2010 Goal is to save $5 a day by packing my lunch instead of buying it out! 


Next – Write it down.  

I will save $25 a week / $100 every month. I will put $100 monthly into my savings. 

I will put $100 every month over my minimum payments towards paying off my ABC Bank credit card.   

Lastly – Post It Where You See it Frequently. 

I love Post-It-Notes – Post it on your computer at work, on the bathroom mirror.  I’m saving $5 every day – $25 every week $100 ever month and $1200 a year towards my savings or to pay down my Credit Card with ABC Bank! 

All you need to do is have one day of success, and then make it 2 days…. 

Before you know it you’ll be empowered over your money. 

Not having to live paycheck-to-paycheck. 

You’ll be in control of your income and money in savings and investments. 

You’ll be excited, motivated and feeling great about yourself and you’re Finances. 

Don’t delay e-mail Joyce for a Free Family Budget 

Free Report:  “55 Ways to Save Money” will be available soon! 

Blonskij Financial Services, Inc.
775 Sunrise Ave, Ste #250
Roseville, CA  95661
(916) 786-6474

Registered Representative. Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Investment Advisor Representative Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and Blonskij Financial Services, Inc. are not affiliated. 

The information being provided is strictly as a courtesy.  When you link to any of these web-sites provided herein, Cambridge Investment Research and Blonskij Financial Services makes no representation as to the completeness or accuracy of information provided at these sites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, sites, information and programs made available through this site.

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Registered Representative, Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, member FINRA/SIPC, to residents of: AL, AZ, CA, CO, KY, ID, IL, MT, NV, OR, PA, SC & WA . Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and Blonskij Financial Services, Inc. are not affiliated.

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