How many times have you wanted to say “No” to a purchase, but later caved and spent the money? Oh, how this sounds so familiar! I think we all attempt to say no, but our flesh ends up winning and we buy something that we never needed. Unfortunately, to have long term financial success, you need to start saying no more often. Often times, pain is required for success. Say yes to saving, say no to purchasing. It really takes an entire mind shift to get to a point where saying no is second nature. Take me for example. It took me years to finally be able to skip buying something, whether it was a new iPod or the latest edition of Air Jordans. I actually ended up finding myself in a tight spot with little to no savings and sometimes in full blown debt. It was not fun and I really don’t miss those days. These days, I take a step back before I buy something and ask myself two things. First, how many hours will I have to work to pay for the item? And second, do I really need to buy it? If you ask yourself those two questions every time you go out shopping, you will find yourself with a much emptier cart. Another easy question is if it will make you go into debt. This is a no-brainer for most people but it isn’t for others. You have to train yourself to start seeing debt as an enemy and something you want nothing to do with. Start thinking about saving your money instead and refusing debt. The more you think about your long term horizon, the more you will refuse extra purchases. Say no when no one is looking. This might touch on some people’s nerves, but that’s a good thing! You should always pretend people are around you and remember that God is watching your every move. Are you more prone to unethical or immoral behavior when you’re alone? Saying no might be tough during these times, but it’s critical to succeed and refuse to stumble! Take action and strip away things that are causing you to stumble. Do you fudge numbers when your boss isn’t looking? Do you sign for other people when there is no one in the room? Do you lie on the phone thinking no one is going to ask about what you said? Don’t fall for this trap, always come clean and seek out help if necessary. Say no when there is not enough time. How many of us get burnt out on a regular basis? I firmly believe that the root cause of this happening is due to stretching ourselves too thin. You might have a servant’s heart, but guess what, even God rested ! God did not design us to be on go 24/7! That is the good news! Or are you spreading yourself too thin at work at the sacrifice of spending time with your family? One may argue, but I believe family will always come before work. I mean, work hard, but leave at a decent hour. It’s totally OK to bring this up to a manager and ask that someone else take some of your load off. Who knows, it might be a good opportunity for a younger employee to learn a thing or two! At the end of the day, you have to learn the art of saying no. Start tomorrow and actively say no to things. Whether that’s a request for more of your time or more of your money, deny yourself and say no. Who knows, you may find that your new favorite word is “no!” Related Articles: What Money Is Not . . . Money Mistake #3 – Not paying attention to interest rates How To Best Save Money During The Christmas Rush Why Is Warren Buffett Successful? 5 Tips for Success Buying life insurance for your parents: Is it wise? Is it wrong? Set Your Financial Priorities and Accomplish More Do What Works Well, Not Necessarily What’s Best Jon is a Christian personal finance writer at Free Money Wisdom . His mission is to help you succeed in your personal finance life with the Bible as your compass. When Jon is not writing on personal finance, he spends time with his girlfriend, lifts iron at the gym, and plays Scrabble. You can subscribe to his site through EMAIL / RSS or you can also find him on Twitter and Facebook . The articles on this site are for entertainment purposes and should not be taken as financial advice. Please contact a financial professional for specific advice regarding your situation. Also, many of the CPF articles help us pay the bills by using affiliate relationships with Amazon, Google, eBay and others. Find out more here .
Saying No is Not Always Easy