What Were Your Best Money Decisions in 2022 & What Did You Avoid?

Aimee Cerka
by Aimee Cerka

It’s Aimee Cerka here. We’re kicking off a series designed to help you review your 2022 year. What worked? What didn’t work? Why not? If we’ve learned anything over the last couple of years, it’s that we need to “unexpected-proof” our money.

No, it won’t all be rainbows and butterflies. In this episode, we are starting with two key questions so you can effectively evaluate your bad money decisions and your best money decisions. Let’s do this.

What was your best money decision of 2022?

What financial decision in 2022 are you most proud of? I’m encouraging you to dig in and really think of something. Your gut instinct will probably be to say, “I don’t know.”

You might not have had a financial change in the day-to-day. Still, find something to celebrate that you’re proud of and that you’ve done in 2022.

If you’re like, “I don’t know. We haven’t done anything or moved forward…,” you need to eliminate that. We need to find something that we’re celebrating. If we spend all our time beating ourselves up, we’re not actually moving forward like we need to. So, find a financial decision that you were proud of that you had done this year.

What aspect of your money have you avoided?

What aspect of your money have you avoided?

If we are avoiding something, we probably don’t want to think about it. But, this is really important as well, because we need to look at things objectively. And, if we are avoiding something, there’s probably a reason, but avoiding the problem doesn’t make it go away.

Unfortunately, this is probably the harder part. It’s hard to become aware because if we are avoiding something, most of the time we don’t even realize we are avoiding it.

Blind-spot coaching is so important and powerful because you’re in your life, in the thick of it, and can’t always see what’s going on from an outsider’s perspective.

When a coach asks, “What about this?” suddenly it’s like that lightbulb goes off and you realize you’ve been completely avoiding something and don’t even quite know why.

The thing you’re avoiding could be like looking at your bank statements, budgeting, investing, or paying off debt.

Saving money

There are a lot of different things you could also be avoiding, like the things you need to do within your business to move forward and to grow your income because you can get caught up in the day-to-day — the busy stuff — and not work in the important, because of the busy.

So, what aspect have you avoided? Once you know that, you have to think about why you are avoiding it. Your gut instincts on these harder questions might be, “I don’t know.” In that case, my next question for you would be, “If you had to guess, what would your guess be?”

We are going to work on trying to uncover the root cause so we can solve the problem. If we are just treating symptoms all the time, we aren’t going to transform your life into that “unstoppable” that you are looking for.

Your best money decisions

So, why are you avoiding this? Is it a lack of planning — when you don’t know what to do? Is it just the fact that you’re overwhelmed and don’t know where to start? Do you feel guilty about past decisions?

Are you afraid because you don’t want to mess it up because there’s a lot of external pressure? Fear holds us back because we don’t want to make mistakes.

I typically find, when it comes to coaching, there are three main areas that we need coaching around when it comes to avoiding stuff.

  1. The first is that we need support about “I don’t even know what the heck to do.” A coach can help you figure out what to do to make better money decisions.
  2. The second one would be accountability. You know what to do, but aren’t actually doing it. A lot of us fall into this category.
  3. The third would be blind spot coaching. You know what to do and you’re doing it, but you’re not seeing the results that you need to.

Oftentimes, there’s a little piece somewhere that we need to tweak. Somebody with an outside, objective perspective can help you.

Your best money decisions

You can have an “unstoppable” life regardless of what is coming up to you. Today is a new day. The past is in the past. It’s not too late for you. Your finances aren’t too messed up. You can still have that “unstoppable” life.

To quickly recap, these are the two questions I want you to work on for today. The first was, “What financial decision in 2022 are you most proud of?” The second was, “What aspect of your money have you avoided?”

Answering these questions will help you make better money decisions. Share your answers with me, so I can celebrate what you are proud of.

Join the conversation