Are You Too Busy for Financial Wellness?

Writing a blog about being too busy wasn’t on the to do list today, because it’s already packed with too much stuff to do! Then I came across this article on Lifehack, “Take A Moment And Read This Because You Might Be Too Busy Doing Nothing In Your Life.”

The Lifehack article briefly describes a book by Benjamin Hardy titled, “If You’re Too Busy For These 5 Things: Your Life Is More Off-Course Than You Think.” Here’s a brief summary of Hardy’s book from the article:

Using a series of questions, Hardy explains the areas of our lives that usually get us into trouble. These include organization, environmental energy, financial energy, relational energy, health energy, spiritual energy, and time. The areas he focuses on have to do with our internal and external worlds. Hardy creates an invitation for you to reflect on yourself.

Hit the Pause Button

He sets out solutions to our most common pitfalls. The first thing we have to do is hit the pause button, and organize our lives. If you’ve ever been so busy that it seems like life is just piling up you know the importance of this. Your chaotic inner world leads to external disorganization, which feeds more internal chaos. He argues that you have to stop and regroup when this happens.

This got me thinking about my own life, and I realized that yes, I’m in desperate need of a “pause button” on my life video (but this isn’t about me, or is it?). It also got me thinking about why so many people, when faced with a true life-changing opportunity, just don’t grab onto it.

Too Busy for Finances

I work for a company who helps people reduce their student loan obligation and stress through loan forgiveness and refinancing. We work with employers who share our information with their employees through a voluntary benefit. This benefit is absolutely “life changing” (our clients’ words), yet so many people do not take the opportunity to get educated about their options to save tens of thousands of dollars (tax-free) on their student loan obligation.

I’m always perplexed when people who can clearly benefit from the free education we provide don’t move forward in the process. Why wouldn’t someone want to take the time to pay less on their student loans, if they can? We hear the “I’m too busy to focus on this right now” objection a lot. Many people schedule an appointment then don’t show up to talk to someone who can help them.

Is it because they don’t understand the process, think it’s “too good to be true”, or are just “too busy” to do something that could positively impact their present and future financial reality? I ask myself, “What are they doing that makes them too busy to save an average of $6,000 a year for the next 10 years on student loan payments?” (No finger pointing here, I’ve been “too busy” to get rid of cable for years, and just keep paying the bill when I barely even use it.)

When you say it like that, the “I’m too busy to save money excuse” sounds ridiculous, right? But now I realize it’s the truth we tell ourselves.

Go Beyond Busy and Take Action

As a society, being busy seems to have become a sign of involvement, connection, drive, success and status. We fill our lives with “busyness”, and maybe, just maybe, this act of being busy makes us feel like we’re getting somewhere, but what we may be actually doing is getting in the way of our own involvement, connection, and success, and overall well-being.

Maybe it’s time to pause, as Hardy suggests, and stop doing “nothing” that is impacting our lives in a positive and meaningful way. We can use this “pause” to reflect on what it is that will really improve our lives emotionally, physically, spiritually, and yes, even financially (this one is the hardest for me). So, tomorrow, I am going to stay off social media (just for the day), and spend that time reflecting on all the “busy” that is producing “nothing positive” in my life. I might even cancel cable….

Read the full article here.

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