Every day, I go through the same routine: I get home from work, change into shorts and a t-shirt, throw my work clothes on my bed, and go to something else. When I get into bed, I take off my shorts and t-shirt and leave them on the ground.
As a result, by Thursday I have a cluttered room full of clothes and the task of cleaning it all up and putting the dirty clothes in the hamper is daunting.
It takes about half an hour to recover, and on a Thursday evening, cleaning my room is the last thing I want to be doing.
So what’s the solution? Spend 3 minutes each day organizing my room, putting the dirty clothes away and putting my clean clothes on hangers. By planting the financial seeds now, we can save a lot of time later.
Personal finance is the same way. If you ignore it for a period of time, the bills pile up, the debts accumulate, and it gets harder and harder to dig out of the mess.
Every person in debt says that it just built slowly and then suddenly there were tons of bills to be paid and they didn’t realize it was quite that bad.
The solution to this problem is to monitor your finances regularly, build a budget and stick to it, and know where you stand at all times.
While waiting four days might not build into anything significant, waiting four months or four years might. Don’t wait until it gets to be too much. Start being financially responsible early and often and you won’t have to spend time later trying to catch up when all your friends are out having a good time.