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What if we worked harder to embrace the current situation we are in? Even if you haven't always made the greatest choices in your life, it doesn't mean that you have to sit and wallow at those decisions. What if we simple embraced a SUNNY DAY instead of a RAINY DAY?
Have you ever heard the term ‘Rainy Day Fund'? Or maybe you have heard people say that they were saving for a rainy day? I've used this term before when talking about setting up my emergency fund savings account. It is probably one of the most common terms used when talking about setting up a savings account, but it can often have negative feelings attached to it.
Saving money can seem like such a challenge because it can be so much work, yet the rewards seem SO far away! You may feel like you will never get there, which is not great motivation for actually completing the task at hand. After going through this myself a couple of times, I decided to start looking at the plus side instead of all of the hard work and negativity. I started living for the SUNNY day!
What is living for the Sunny Day? Here are a few examples:
Studies show that by focusing on the positive in life, you have a much better chance at achieving your goals. This is also true when planning your finances.
Living for a SUNNY DAY instead of a RAINY DAY seems to make more sense, right?
Here are 5 ways to live for that Sunny Day:
1.) Write your goals down on paper and ask someone to hold you accountable. Getting your goal on paper helps make it more achievable and gets it out of your brain. That helps decrease clutter in your brain so that you can focus on the positive, not on the work it is going to take. This is why I always recommend writing out a budget, and planning how much money to save and when to save it.
2.) Create a Vision Board of your goal and hang it up somewhere where you will see it all the time. Vision boards are a terrific way to visualize the goal in a positive light. Why not have a goal to get out of debt while also saving for your sunny day fund? Find your inspiration and put a picture of it on your vision board. Fill in the rest of the board with inspirational words, and/or pictures that inspire you to reach your goal.
3.) Envision the feeling of achieving your goal. The feeling that we had when we finally paid off the last of our student loans was amazing! When we were working double jobs, and spending only $100 per week on our grocery budget, I had to focus on that anticipated feeling. Focusing on that sunny day feeling helped me jump-start my excitement about my goals.
4.) Break things down into bite sized pieces that you can achieve. Dave Ramsey says that the best way to pay off credit card debt is with the snowball method. This means that you start by paying off the lowest credit card balance first (even it's not the highest interest rate), and then move on to the next largest balance. This has worked for millions of people. Why? I think it is because of emotion – factoring in that sense of accomplishment when you can cross something off your list. When you are envisioning your goal, make it easy to get excited about it… even if that includes adding things to your checklist just for the sake of checking them off.
5.) Envision what that Sunny Day goal looks like to you in detail. Does it look like a life free of debt? Does it look like a life full of children? Is it a new car or a new house? Early retirement? Whatever your financial goal may be, think of it in detail. What dress will you wear when you go to close on your first home? What will you do when you pay off that last piece of debt? Thinking of those details and the celebration of your accomplishment will help you to achieve that goal of savings.
Living for the Sunny Day sounds so much better than Saving for a Rainy Day, doesn't it?
What does MY Sunny Day look like right now?
A life that is simple. A life where I spend as much time with my family as I can. A life where my kids can grow up and experience things like dandelions, and baseball games.
A life where my kids know the value of a dollar, and know about our past history of getting out of debt. A life worth living.
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A life where I don't care that my friends make more than I do, because I embrace the differences.
A life where I have a secure financial future and financial independence.
At SunTrust Bank their purpose is lighting the way to financial well-being. When you feel confident about your money, you can save for your goals and spend knowingly on what matters most to you. They know we all live for the sunny days and want to you help you live yours.
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Want to get your sunny day started now? Visit the SunTrust resource center anytime for help achieving your financial goals.
This is a sponsored conversation written by me on behalf of SunTrust. The opinions and text are all mine.