writer's diary

Plan for your finances to escape the January Blues

The intricacies of January blues are already at our door step and knocking hard. We are dragooned to drum up mechanisms that will keep our minds far from our fiscal quandaries and close to our New Year resolutions. And since some of our resolutions are monetary-bound we end up spending ample time edifying our minds with books and mimeos on money matters. And when our symptoms persist we begin attending workshops on financial planning and entrepreneurship so as to seek emollient advice that will enable our minds teleport with fluidity from our present limbo into financial autonomy. We quote from speakers we believe to be great. We highlight excerpts we believe are directly communicating to our inner soul. But what we end up with is nothing but a placebo effect. Our plights are still on. Our financial progress is still stuck in limbo. Then we ask ourselves “Why are we always stuck during this month?” And the answer is still the same – poor financial planning.

January has always been our worst month. This month has stood the sense of time battling with other months to become the only month with outstanding financial crises. We have suffered a lot every year come January with resource scarcity being the pith of our ordeal. Certainly, the month comes after an era of heavy shopping and other financial irregularities such as too much partying and expensive holiday tours to the countryside. This is the month that we slog our guts out especially after slobbing around in December.

During Christmas, we were no longer the soft drink – local brew takers at the bistro in the neighborhood. Not anymore. Rather, come December, our expenditure melted with expensive Sloe gin and Slivovitz to dress our new acquired classy throats. And since human beings are intrigued by variety, we also sought some foreign mojitos and margaritas and when their tastes did not augur well with our newly acquired classy lifestyle, we opted for some expensive French wines. So tell me, after that hurly burly of an expensive Christmas life are we not to blame for our financial downfall? Of course we are. So let us not blame January. The month is just dry and sunny. That’s all.

As we reflect on our failure to plan for our finances wisely, permit me to share with you an excerpt from one of Dean Koontz books: I’ve got evil in me as much as anyone, some desires that scare me. It’s a mean mother of a line, straight and narrow, sharp as a razor, cuts right into you when you walk it long enough. You are always bleeding on that line, and sometimes you wonder why you don’t just step off and walk in the cool grass.”

I found the excerpt highlighting our discomfiture as well as providing solution to it. January is a mean line, sharp as a razor that cuts through our lives. Our financial crises and stagnating progress have made our minds bleed with nostalgia as to why we overspent during Christmas. But why are we not stepping off? Why don’t we strive for the comfort of walking in the cool grass?

In order for you to walk in the cool grass, it takes both the willingness to plan for your finances wisely and the willingness to stick to those plans. A clear financial plan will not only help you avoid cursing and insulting your bosses when they fail to process salary advancements in time but it will also turn you into a responsible being. Remember to make your plans in a manner that they highlight your current financial position and possible future reductions in your expenditure so as not to deplete your money sources. Spend wisely!

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