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Jill Russo Foster

Tips for Successful Personal Finances

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Simplifying By Saying No

It’s such a small word, but packs so much into it.  Is the word “no” causing you problems?  The word “no” is something that I had so much trouble with for many years.  Now I am embrace the word and am loving it.

So what do I mean?  Are you doing things you don’t want to do?  Are others making problems for you?  Let me explain.  Are you at the check out and are asked would you like to save an additional 15% of your purchase today.  You think why wouldn’t I want to save money, so you say “yes”.  Now you have another credit card and the possiblity of more debt and hurting your credit.  Did you really want that?  Another example is when you are asked to do something, do you automatically say “yes”.  Maybe you really can’t afford to do that at this point, but you said “yes” so you won’t disappoint others.  This happened so many times for me.

For me to break the routine of always saying “yes” and pleasing others, I now take a step back and think about it before answering.  I consider my options.  Do I really want that?  How would I benefit from that?  What are the long term repercussions?  Stop and take the time to think about what’s right for you.  You can easily do this by saying – I’ll let you know, not at this time, I have to check my schedule etc.  That gives you the time to make the choices that is right for you.  You can be true to yourself and give an honest answer with some thought.  Sometimes the answer is “yes” and sometimes the answer is “no”.  You made the choice you want and that is best for you.

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