I Do Not Fear The 29 Days of the Month
I fear that one single day
I do not fear the 29 days of the month. I fear that one day.
I do not bother about the calm of the 29 days. I fear the chaos of that one day.
It only takes one moment. One minute. One hour. One day.
I received my paycheck for the month of December and I was happy. For the past 2–3 months, I have cultivated the habit of managing my expenses and being financially mature. Because of this, the month of December was a piece of cake. I tracked every single rupee and at the end of the month, I still had a few hundred bucks left. Although I couldn’t save any money, I did not need more to live on.
I never had a month like that in my life. It was overwhelming.
But, as the month of January started, everything went down the drain. The app I use to track my money showed erratic data and I did not know how to correct that. I had a panic attack. I spent almost 3000 rupees at the start of the month. And as the app was broken, I couldn’t track my money.
The more you learn, more humble you will become.
As of now, I have no idea how much I spent. I don’t know if I will be able to survive this month on the amount I have left. I feel guilty. There is a regret that should have never been there.
Two days ago, I was walking to a supermarket. I realized what I had done. Immediately after I had a wonderful month of financial prosperity, I created a month of financial disaster.
I thought of sharing it with you. Maybe some of you could relate to this situation and share what you did to get back on track.
This experience wasn’t all bad.
I did learn a couple of lessons from this incident.
See, I am a firm believer in the following paradigm:
You either win or you learn.
I did fail at the beginning. I never expected my finances to be like that.
The worst part is, I did not have a contingency plan.
There was no backup plan if something like this were to happen, simply because I never thought it would happen. But, it did.
It is a simple rule of nature: Your plans are as futile as trying to burn a candle in a storm.
Planning is necessary but our plans may not go exactly as we had thought. There will be deviations and detours. Things will go bad. We must be prepared.
I wasn’t, so I paid the price. Actual price.
As I said, I did learn a couple of lessons, such as:
1. Things will go bad
Even if you think you are the best time and event manage, things will go bad.
Do you think you have it all figured out from top to bottom?
Guess what? Things will go ugly.
I am not a pessimist. I hate negativity and negative people. All I am asking you is to imagine the worst and be ready. When you prepare for the worst, you are not caught off-guard.
You expected the worst. It is here. Now, just apply the remedies. Mitigate the situation and you are back on track.
Bad situations are inevitable.
I have learned that.
I hope for my own sake that I am ready for anything else that goes south.
So should you be ready as well.
2. Self-control is real
When I had that panic attack, I went on a shopping spree. I never looked right or left. The thought of saving money did come to my mind but I had already made a blunder so I did not care. This clouded my rationality and I spent most of my money at once. I let my emotions get the best of me.
I let self-control pass on by.
I guess a more apt word would me Emotional Intelligence rather than self-control.
Emotionally intelligent people know how to control their emotions. They are NOT emotionless. Instead, they know the right time to express the right emotion. They let the emotions work for them and not the other way around.
This makes them more successful than their counterparts.
In times of crisis, stop and reflect.
I feel like a hypocrite here. I let my own emotions get the best of me and I am here lecturing you to do the opposite.
I am guilty but, I wanted to share that with you.
I don’t want you to make the same mistake. I know the feeling after you have screwed up. Maybe you do too. It is of helplessness and despair.
Take it from me. Listen to your rationality now and it will save you a lot of pain and regret later.
Intellectual Maturity + Emotional Maturity = Recipe for Success
What is the problem?
A simple mistake in my app combined with a panic attack.
What was the action?
I wasted my time and money.
What is the solution?
To not let my current predicament influence my future decisions in a negative way.
We fail sometimes. I get it. We will fail again. Today or tomorrow. Eventually, we will. When we stand up for something, there will be forces that will drag us down or push us back.
It is as it is.
It always has been.
The only thing flexible is your response. There is a space between the stimuli and the response. In this space, you get to choose. If you choose wisely, this gap will increase and you will have more control over your life and if you choose hastily, well, ka-boom!
This is what I do personally:
If I am an emotional mess, I do not talk or meet anyone. I know what will happen if I do. I will say things that I will regret later. I cannot afford regret. So, I take time off. I let the feeling pass and I am surprised at the open and rational decisions I make when I am in my right way of thinking.
The truth is, I am no better than any of you.
I am still nothing. I am still learning and I will keep doing it. To be the best.
Life is short. Very short.
There is so much to learn and very little time.
An Emotionally Intelligent Conclusion…
Here are the key takeaways:
- Keep learning. The more you learn, the more humble you will become.
- Emotional maturity. Whether you are an adolescent or an adult doesn’t matter. Emotional intelligence is needed now more than ever. IQ alone will not help.
- Financial maturity. Track your expenses. Do not spend more. Save more. Do not spend money on trivial things.
- Give Love. If you give love, you will receive love.
Thank you very much for reading the post.