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Don’t lose your mojo

Emily Crone

I read an article on CNN.com this week about how President Obama is beginning to lose some of his clout and the magical mojo that surrounded him pre-election. He ran on a platform of change, and while he has fought to reform everything from health care to Wall Street in his two years as president, his ratings have fallen and continue to slide. It seems this is due to a combination of him inheriting a terrible economy and two controversial wars, in addition to starting off with many ambitious goals.

It’s easy to get very ambitious with personal finance goals when we as individuals decide we’re ready to finally face our debt or begin budgeting. I’ve seen people decide overnight that they’re going to stop eating out, cancel unnecessary services, start riding the bus to work, only buy used goods and so on.

Those are fantastic goals to have, but it can be unrealistic to conquer too much at once. It can be overwhelming and difficult to stick to all your promises. That’s why many people with debt spread across multiple credit cards decide to tackle one card at a time. Trying to pay it off all at the same time in small amounts can make you feel like you’re just treading water.

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