My grandfather is almost 98 years old and he still believes in the phrase: “Hang your hat where you can reach it.” I recall that he would say this to us when someone was about to make financial decisions, such as buying a house or any large purchase. His advice was that one should only take on financial obligations that one can handle.
I confess that I did not always follow his advice. When I was an undergraduate student, like so many freshmen in college, I gladly acquired credit cards and maxed them out to their limits. That was my introduction to being overly extended, financially. I also learned the value of having a good credit rating. Being hounded by the collections agency was not fun at all. Most importantly, I understood the value of what my grandfather meant all those years.
The stress of having credit card debt at a young age was overwhelming at times. I hung my hat where I could not reach it. Most of my income I earned went to paying off those debts when I graduated from college. I had to live with my mother until I got most of them paid off. I promised myself that I would live by my grandfather’s advice going forward. Now whenever I have to make any decision, I ask myself if I can handle the responsibility without being overwhelmed. I apply this to most aspects of my life.
I submit to you that you too can benefit from my grandfather’s advice. Take on only the things you can handle. This does not mean avoiding risks; it means you should be prudent when you do take them on. As I stated, my grandfather will be turning 98 in a couple of months and he is still giving great advice. I intend to pay closer attention to him and his words of wisdom.
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Here is to “The Successful You!”