Here’s Why Your Money Keeps Disappearing

It’s Not Rocket Science

Keith Horton
Dec 29, 2018 · 5 min read

Earlier today, sitting at the dining room table, I started reminiscing about my younger days.

My mind went back to old friends who constantly struggled with their finances. I don’t know how I ended up here, but I did.

(I didn’t have much planned today, so don’t judge me).

Through the long, odd, repetitious conversations with them in the past, I started wondering why they never had a grip on their finances. They had jobs, but never had the funds when it came time to spend it.

So, I rolled up my sleeves for about an hour to study their trends. And after finding some major issues with their habits, here’s what I found.

Work Inconsistently

Working the typical full-time or part-time job can come with its challenges. Some days are better than others. Everyone gets tired of the same old computer, same scanner, or the same shaped boxes.

You hate everything about the place, and you can’t seem to cope with the people who work there, even though you’ve been there for years.

The work piles up quick. Managers put most of the responsibility on you.

It can get quite hectic.

But is this a reason to leave?

Option 1: You can stay and figure out a way to find the good in your current job. Starting one day at a time, you look for today to be an awesome day. Maybe you can find an easier way to do your job by asking for help.

Talking to your coworkers for a change could help you change your mind. Even though you may not like them, it may transform the way you see each other. And it may also change the way you see your job in general.

Option 2: Or you can just up and leave, like my old friends. Without filling out one job application, walk out the door and don’t look back. And it’ll all be because the boss wasn’t nice enough, you didn’t like your coworkers, or the work was difficult.

The road you choose is up to you. But if you’re running from difficulty, you’ll be running for a long time.

The difficulty will find you, wherever you are. Bouncing from job to job will not help you avoid it. It will only enhance the habit of being inconsistent.

We should never develop the habit of being consistently inconsistent.

You will have those jobs that are not as hard as others. But you will, however, run into a difficult moment when your limits are being tested.

My friends fell into the trap of thinking that success will be easy. I do believe that is a lie.

Whether you’re a freelance writer or a material handler, inconsistent work corrupts your finances.

No matter the occupation, we will have to be consistent to succeed at it. Occupation is irrelevant. If you haven’t found that to be true yet, you will. My friends sure did.

Photo by Nicolas J Leclercq on Unsplash

It’s Not Always About Doing What You Want

Some have created this idea that everyone will be able to do what they want to do to earn a living. Unfortunately, the dice don’t typically roll on those odds.

Our circumstances are different. Some of us have it better than others.

One person may have five kids to provide for, rent to pay, and a car to maintain.

Someone else may stay with their aunt (with no living expenses) and have plenty of time to blog for a living.

Look, decisions impact your dreams and aspirations.

And sometimes you will have to do what you have to do to earn a living — not what you want to do — because of those decisions.

It’s the hard truth, but it is a reality. This life doesn’t always go the way we want it. And we must understand this to avoid the financial heartache it would cause.

Spend as Much as You Make

“You can have a Masters degree in making money, but you will still wind up broke if you have a PhD in spending it.” ―Orrin Woodward

If you were low on funds before you got your first paycheck, and you spend it all on things you don’t need, you will be broke again.

See, my friends spent an unnecessary amount of funds on clothes and other things they didn’t need. They had enough clothes, shoes, and jewelry.

The buying wasn’t the problem.

Not knowing the limit was the problem.

I’m not a huge fan of buying crazy expensive clothes anyway. I’m more of a quality over name brand type of guy. If it’s comfortable, I’ll wear it.

My friends were the opposite. They cared all about the brand name. It had to be the newest shoes just released.

So, they got what they wanted. But they remained broke as a result.

A pile of money means nothing if it’s going out the window.

And spending money on things you don’t need is a huge problem when it comes to financial growth.


Do what you have to do to earn a living. If you’re capable of doing what you want to do, have at it. But whatever it is, be consistent. That’s the only way one achieves (and maintains) financial growth. And the positive chart will only continue if one spends their money wisely. Do the opposite and the results will be the opposite.

(Tell your friends).

Thanks for reading, guys! I hope you enjoyed it. I’ll be sharing ideas like this each week. I’m always looking for new ways to learn, so if you have some other ideas, don’t hesitate to let me know. I’d love to hear it.

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Live Your Life On Purpose

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Keith Horton

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Live Your Life On Purpose

Get Purpose. Get Perspective. Get Passion.

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