Like you, I read many articles about personal finance. More often than not, there will be tips embedded in these paragraphs that talk about how we can save and earn more money. The article will say something like “do this and you will become rich.” Some of this article may be from someone you trust; while others make so much sense that you ought to try them. Some of these articles are so persuasive that you might even dream about becoming rich after you read them.

So far so good, but what happens after a week? Half of the time, we forget about the tips all together; while the other half of the time, we either try the money tip and assume it doesn’t work because we didn’t see any results, or remind ourselves that we will never have time to try it.

Forgetting About the Money Tip All Together
Don’t worry; you are not alone since we are all like this. We are busy and don’t have time to debrief after reading personal articles. After all, most of us read personal finance because we want to kill time or take a break from work, not to become rich. If we read money topics because we wanted to become rich, we would have a pen and paper ready and take notes just in case the article contained useful information. Now that’s an idea. Why don’t we write down the tip so we can choose to try it later?

Trying the Money Tip for a Week and Then Assume It is Not for Us
Perhaps this is the writers’ fault because we do not always mention the consistency and dedication it takes to achieve financial wealth. We would write tips like “cook at home instead of eat out” and end the tip but we really should show you in the same article how much $5 every day will amount to if we have it fully invested (preferably in a low cost index fund btw).

We make excuses for ourselves, and complain all the time about why we are so unlucky. We complain about the personal finance guru not giving enough detail. We complain about our environment, and why it works for others but not him/her. What we really are complaining about is why no one does all the work and hands us free money. Who said becoming rich is about doing nothing? Read all the passive income blogs and you see that the setting it up is nothing but hard work. Picking dividend stocks that work requires brains. Running a blog requires tremendous dedication. It requires time and effort people, wake up.

Reminding Ourselves that We Will Never Have Time to Try It
We just told ourselves that we don’t have time to become rich. Keep working hard my friends; we don’t have time to live financially free. We read the tips, agree that it makes so much sense, then we sit there and flip on TV to watch other people make money while we spend money watching them.

Don’t procrastinate and make time! The biggest mistake is to wait and don’t do what we really want to do. If we want to run a blog, we should try it. If we want to try to start cooking at home, we should go ahead and start today. Just remember that just like everything else, we won’t have instant gratification and it will be 100 times tougher than we initially thought. Believe in ourselves, believe in our abilities to adapt and believe that everything will work out.