Photo by Harald Hoyer; Wikimedia Commons

One of the most common complaints I hear in my change group is that people feel “stuck” or “paralyzed.” They are ready to change a habit, and yet despite their good intentions, they feel unable to begin taking concrete steps.

Here are three ideas that might help to mobilize you into action:

  1. Stop the exhaustive search to understand every aspect of your problem and where the problem came from. Human problems are complex; many times, we cannot know with 100% certainty where an issue came from or what will make it better. The important thing is to choose a solution and try it out.
  2. Stop waiting for the perfect time for change. You can create the optimal time for change by getting all of your ducks in a row and preparing yourself to make things happen.
  3. Stop participating in wishful thinking. Wishful thinking involves the expectation that your desired outcome will occur without you having to be inconvenienced in any way. This rarely works. It makes more sense to be realistic about your goals and then work hard to achieve them.

We’ve all been stuck before. Think about your own financial goals. Are you stuck on any of them? What are you gaining and losing by being stuck? What works for you to get “unstuck?”