They must often change, who would be constant in happiness or wisdom.

~ Confucius

To a great extent, Balance Junkie is about getting things right in your life – financially and otherwise – whatever right means for you. What's right for you financially, psychologically, interpersonally, and physically? The answers aren't always so obvious, and it's easy to get off track or fall into unhealthy habits without realizing it. Before you know it, you're feeling kind of restless and your life balance sheet is out of whack.

I often wrestle with these issues, but I've learned a lot over the years and I'm a little better at recognizing when I need to make a change. Following a few basic principles has gotten me through some challenging times. Taking control of your life and your future is very empowering. I've learned that only I can make myself happy, healthy and wealthy. Others can help me along and enrich my life, but the ultimate responsibility for my well-being rests with me.

If you're feeling restless or unhappy, sometimes trying something new can be just the thing to help get you out of a rut and put yourself in a more positive position. If you're not quite sure what's bugging you or which itch to scratch, make the best guess you can and try a small change. If that doesn't work, try another – or maybe a bigger change.

From Can't & Won't to Can & Will

Any true change begins with a real determination to do whatever it takes to make it happen. Telling yourself you can't is just another way of saying you won't. Once you shift to the idea that you can, it's a lot easier to make the jump to I will. If you believe you can, you will. If you say you can't, you won't. Sometimes happiness is just a decision.

Needs vs. Wants

Whether you're allocating time, energy, food or money, it's always wise to distinguish between what's truly essential and what you can really do without. Putting too much in the wants category means you may be neglecting true needs, or that the resources for those needs won't be there when you really need them.


Whether it's money, time or calories, some type of budget is indispensable – especially when you're trying to break entrenched habits. Spell out what you spend and what you take in. Saving is a must. Having an emergency fund set aside for maintenance and repairs means no stress when problems inevitably pop up. Many repairs can be forecast in advance, so you can start saving early when you see that aging parts of your home or appliances or vehicles will need attention and money.

If the spending number is greater than the income number, or if you're not saving enough, cutting wants is a must, no matter what it takes. It actually feels great once you get the hang of it. You'd be amazed at what you won't miss.


Once you commit to making change your mission, it can really snowball. Just like all of that negative energy causes us to spiral lower, a positive outlook and attitude can multiply too. It feeds on itself, and eventually becomes self-sustaining. All it takes is one step to start. And then another. And then another. Before you know it, you're there.

Your life is what you make of it. If you're tired of feeling helpless and unhappy, change and action are required. Don't be afraid to take that first step. You never know where it might lead! 🙂

Have you ever felt like you needed some kind of change but weren't quite sure what changes to make?

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