It Doesn’t Matter How Slow You Go As Long As You Don’t Stop

If you ask me 5 years ago, I wouldn’t be able to imagine a PF blogger in me.

Sure, I had a (non-) working budget, I made plans every time I receive my 3-month allowance from my sponsor, I know how much should I set aside for rent and utilities, and I was aware when my balance in the bank hit rock bottom – but I had no notion about money and how it should work for me in the long term.

Retirement, investing and health insurance – who think about these things at 23? (Apparently, some people do).

My journey in personal finance has been slow and oblique. It took me six months or more to recognise buying a mattress is a need and Starbucks coffee is a want (guess which want I opted for, most of the time?), it took me two years to be comfortable with my own budget, and a lot longer than that to be confident with my savings capability (and I have no debt, therefore saying very little of my self-determination).


Nevertheless, as many PF bloggers would concur, personal finance is, if anything,personal.

I recently went on bouts of spending money – both for needs and wants of different measures. I was apprehensive, at first, thinking if I’m indulging myself far too easily, worrying if I’m able to meet my goals in time, with highest possible number.

But I had to stop and give a slap to myself, what are you talking about?!

I find it funny even for someone as diligent as I am, who earns for her own living and who saves for retirement, emergency and other life goals – I’m still tricked into being guilty when it comes to money.

My friend and I were talking recently about turning 30. Our parents are beginning to worry we would get past our “Best Before” dates and remain single forever.

I worried about turning 30 before. But then I thought, what the hell I was thinking? I have another 30-40 years to live – I’m not going to stop living and chasing my dreams just because I turned 30!

Similarly, in the world of personal finance – I could be earning $100,000 or reaching $250,000 net worth if I work a little harder by age 30 – but for what?!What’s wrong with right now, right here? Even when we are in debt, or have only three-figure net worth? Why do we even put our self worth to how much money we are making or how much money we have amassed?

I don’t think it really matters if we make a little error, have some debts, spend some money – we are human – we are not designed to be perfect.

Making it doesn’t mean having it all on a plate at the same time; high net worth, a house with a yard, a brand new car.

Making it may mean paying for that debt today, or bumping that savings tomorrow, or signing ourselves for a health and disability insurance later, or giving it all for a cause we believe in. It’s a work in progress. It doesn’t matter how slow you go as long as you don’t stop…