Money and I have not always had the best of relationships. Over the last couple of years, I have gone from barely containing my money, to financial rock bottom, to having to rebuild and retrain my brain on how I view money and finances. I had preconceived notions and beliefs about money that I had grown up with. I had 2 vastly different approaches to money handling in my family, and the combination of the two produced in me a mindset of “scarcity vs. over-indulgence”. This led to unhealthy money habits that needed to be broken. . Changing habits that are ingrained into the very makeup of who you are, is not an easy task. Change this big does not happen overnight, it takes time. This year has had its financial ups and downs- especially the last month or so as an unexpected residual payment that I thought I had left behind me, fell back into my lap again. However, the difference this time, is that I had a pretty decent handle on my money, and the solution was a fairly easy one. Whereas, if this had happened a few years ago, I would be on the brink of financial ruin. . Financial Wisdom needs be a priority, if you want to live the way you want to. It’s okay to be patient with yourself. You have to train yourself to manage your money, and start making wise money decisions, and eventually, you will be able to what no one else can do, because you chose to live like no one else is willing to live now. You don’t get rich or become an expert over night. Heaven knows, I’m no where close to being an expert. But ya know what? I plan to be an expert one day, and I started by simply making a decision to change my money habits and retrain my beliefs to be financially wise. A decision that has been followed by the tough choice to actually stick with it. . If I can do it, so can you. And a great first step, would be to just take 30 minutes at your kitchen table or dorm desk with yourself to look over your spending habits over the last month, create a list of bills/payments that need to be made, and create a simple budget for yourself, whether it’s on an app, in a spreadsheet or on a mere steno pad. And then keep coming back to do it again!