Most people never learn how to take action to fix their finances — they complain, regret, and repeat. But sitting in guilt doesn’t pay bills, build savings, or create freedom. It just keeps you broke longer. The only way forward is through action.
When the widow lamented to Elisha about her financial crisis, fearing her sons would be taken by creditors, Elisha didn’t comfort her. He told her to go home, shut the door, and start pouring the oil she already had (aka take action woman). That story, from II Kings 4 and also shared in the book Dynamic Laws of Prosperity, is a spiritual law of wealth: stop crying about lack, and start using what’s already in your hands. That’s the essence of financial transformation.
You have something — time, skill, creativity, ideas, energy. And until you use it, zero miracles will show up.
1. Complaining Won’t Fix Your Bank Account
People drown in financial struggle because they stay emotionally stuck instead of strategically moving. The facts are brutal:
- Many are financing lifestyles they can’t sustain.
- Most live paycheck to paycheck.
- Millions can’t cover a $500 emergency expense.
- Countless workers can’t find stable jobs despite opportunities being everywhere.
- And too many lack even the most basic financial literacy.
If you feel like life keeps handing you the same lessons, it’s because you keep ignoring the solutions. Every month you repeat the same habits — overspending, avoiding your statements, blaming the system — and the result never changes.
Feeling sorry for yourself doesn’t fix it.
What will help is identifying what’s broken and taking decisive, uncomfortable action.
The moment you take action to fix your finances, you break the emotional cycle of helplessness. You move from “I can’t” to “I’m doing.”
Ask yourself:
- What are three unproductive financial habits you can stop today?
- What are three productive financial habits you can start today?
You can’t feel your way into discipline. You build it through repetition.
2. Build a Game Plan That Actually Works
Whenever I’m not where I wanted to be financially, I don’t drown in regret — I build a game plan. Here are some examples:
- Consistently invest, no matter how small.
- Live well below my means.
- Aggressively increase my income.
- Study financial education like my life depended on it.
- Do the opposite of what the majority does with money.
The habits can change everything. They’re not glamorous. They’re not “manifestation.” They’re intentional systems and sacrifice. Every month, you can build a new muscle around self-control. The goal isn’t to be perfect — it is to make financial mistakes less frequently and recover faster each time.
If you don’t have a system, create one today.
- Write down your monthly expenses.
- Automate a small transfer into savings every payday.
- Pick one long-term investment vehicle and learn it inside out.
- Track your net worth monthly.
- Review and adjust.
Wealth is built on boring consistency. It’s not about waiting for inspiration — it’s about creating systems that make discipline automatic.
3. How to Take Action to Fix Your Finances Right Now
There’s no perfect time to get your money together. The longer you wait, the more opportunities slip by. Here’s where to begin depending on your situation:
If you have no savings and low income:
- Drastically reduce unnecessary expenses.
- Save something every week — even if it’s just $20.
- Identify small, realistic investment options like ETFs or automated micro-investing.
- Explore additional income sources — freelancing, consulting, or creating digital products that reflect your skills.
If you’re buried in debt:
- Create a repayment schedule that’s realistic and trackable.
- Stop spending on convenience. That includes delivery apps, subscriptions, and impulsive Amazon buys.
- Negotiate lower interest rates or consolidate intelligently.
- Treat debt freedom like your new full-time project.
If you lack financial education:
- Dedicate one hour a day to learning. YouTube finance breakdowns, free eBooks, or reading more articles on money.
- Pick one area of focus per month: budgeting, investing, credit, or taxes.
- Apply what you learn immediately. Knowledge without action won’t move the needle.
No matter your situation, there’s always something you can do now. Tiny steps compound. If you’re waiting for “enough money” to start, you’ll wait forever. The universe rewards motion.
4. Fix Your Relationship With Money
Before you can fix your finances, you have to fix your mindset about money. Most people secretly resent it, fear it, or see it as something they’re not worthy of. That energy leaks into how they manage it.
Stop saying “I’m broke.” Start saying “I’m restructuring.” The way you speak to and about money determines how it flows through your life.
When you take action to fix your finances, you start treating money as a tool — not an identity. That shift from emotion to execution is everything.
If you want money to trust you, become trustworthy with money. Track it. Manage it. Direct it. Don’t let it slip through the cracks of distraction.
5. No One Is Coming To Save You
This is the hardest truth most people avoid: no one is coming. Not the government, not your job, not a “lucky break.”
You are the plan. You are the bailout. You are the rescue.
It’s never over until you say it’s over. No financial situation is too far gone unless you decide it is. Every problem can be reversed with a plan, patience, and persistence.
Start with small, powerful actions:
- Move $50 into a separate savings account today.
- Cancel one expense that drains you but adds no value.
- Read one financial article before bed instead of scrolling.
- Track your expenses daily for one week.
Six months from now, you’ll be shocked at how far you’ve come. It won’t be perfect — but it’ll be progress.
6. Turn Guilt Into Grit
Stop beating yourself up for what you didn’t know. Start being proud that you’re changing the narrative now. You don’t get points for guilt — you get freedom from execution.
Every time you catch yourself complaining about money, do something instead. Transfer a few dollars to savings. Open a note and write down three ideas for increasing income. Shift the energy from “why me” to “watch me.”
When Elisha told the widow to pour her oil, he wasn’t just giving financial advice — he was revealing a universal principle. The moment you take action, the universe multiplies it.
So pour. Create. Move. Work. Stop waiting for permission to live abundantly. You don’t need sympathy — you need structure.
If you’re ready to start building your way out. Choose Your Price: Freedom or Struggle. Choose well.
You don’t fix a financial mess by feeling bad about it. You fix it by getting disciplined and doing the work
Disclaimer: This content is for informational and educational purposes only. It is not financial, investment, tax, legal, or professional advice. Past performance does not guarantee future results. Always do your own research or consult a licensed financial advisor before making financial decisions.