Six and a half years of hustling to provide for my family and pay for Jeremy's ongoing tuition has started taking a toll on me physically and emotionally.
Over the last few months, I have hit a financial, emotional wall and have struggled to move past it.
Have you ever hit a wall?
Years of frenzied work catches up
Last year was a challenge to get all the hours I wanted with my free lance work and the first two months of 2015 have been no different.
The year was made harder by the fact there has been no word from ASU which would my husband to take his final Electrical Engineering class and he has had to change majors, adding more years of study before graduation.
I was sick, for the first time in years, with several colds throughout the winter and lost my drive to hustle to bring in more work. My sleep is being affected.
Each day I wonder how to make it through the day and how to bring in more hours to accomplish paying for the last two years of school. The stress of the last seven years has started catching up to me.
Lest anyone who knows me starts to worry, I have had plenty of hours to pay all our bills, it is just the extra hours I rely on to beef up my savings to pay for school and other things which has been hard to come by.
Hitting the wall
I suppose when you are doing something long term, everyone is bound to hit a wall at some point. However, it is what you do when you hit the wall which makes the difference between overcoming and quitting.
For me, I hit hard, fell off and stumbled about for a couple of months. As I slowly got my bearings back, I had to renew my trust in God, knowing He has everything under control and will continue to be faithful to provide for all our needs.
9 tips on how to bust through a financial, emotional wall have come to mind during this time and I would like to share them with you in case you have hit your own wall recently.
9 tips to bust through a financial, emotional wall
1. Remember God is in control of everything which is happening in your life.
You might disagree with me which is fine, but the only way I can make it past an emotional wall is to depend on God to get me through the situation with the strength He supplies.
2. Step back and remember your Why for living on a shoestring budget.
Clarify or rework your Why as necessary. Add some tangible steps you can do to make progress on obtaining your financial goals.
3. Take action on a small goal.
Stop making excuses and start making some headway. Just start today.
4. Do not limit your income opportunities.
If your financial wall is related to not enough income, then become creative about ways to earn some extra money. Side hustle, sell some things from around the house, or get a part time job. The goal is more money to work with in your budget.
5. Make your health a priority.
Eat nutrient dense food. Get some sunshine and fresh air. Go to bed earlier and drink some tea to help you sleep. Get off the computer and give yourself time to wind down before crawling into bed. Start moving more, walking, and exercising.
6. Look for ways to reduce stress in your life.
What is the biggest stressor in your life? Morning routine? Staying up too late? Too many commitments? Come up with specific ways to reduce the stress for this particular habit.
7. Say no and set boundaries.
It is totally ok to say no and not do everything you have been asked to do. Another season will come when you can do more for others.
8. Remove clutter from your life.
Clean your house and get rid of stuff you do not want or need. You will breathe better.
9. Let go of your own expectations of yourself.
You are not a super hero and cannot do everything.
While I still feel like I am dragging a little, God gives me strength each day to continue, the trust to know He will get me through this time and will be glorified in the end.
I am being diligent to cut expenses again and to save every dollar I can. My schedule at the college has changed for the better, allowing me 3 days to fill with free lance work. I have started picking up jobs once again on evenings and Saturdays.
I make it a point to spend time outside walking on my lunch break and aim to get 1-2 jogs in during the week. There are some pretty big boundaries I am in the process of establishing.
My financial goals have been narrowed to three in 2015, increase our emergency fund, pay for three semesters of school, and start saving for a replacement vehicle. I have been able to start saving for all three.
There have been many bags and boxes of clutter I have gotten rid of and have started selling 1-2 items on Craigslist a week, however I have let go of the desire to have my house clean all the time. Getting more quality sleep is the next thing I need to work on as well as reducing a couple big stressors in my life.
My dream is to see my husband graduate without any debt and I just have 1.5 years left of paying tuition. I just celebrated 5 years of being debt free; developing the patience to save up and pay for everything in cash without returning to be a slave to payments ever again.
I do not give up and am not a quitter, though at times the thought does cross my mind. When it does come up, I fight to beat the thought back. I am going to overcome this difficult time as God has promised.
How do you deal with your own financial, emotional wall? Do you have any tips you can share?
Hi! I’m Charissa. I’m on a mission to help hardworking women overcome money struggles and gain financial peace with a Biblical perspective so they can have the freedom to impact their families and communities. Ready to make some changes that will impact your finances in 2020? Click here to get a free worksheet to help you make it happen!