Everyone makes financial mistakes. Whether it’s overspending, poor investments, or living without a budget, it’s important to remember: you’re not alone, and you’re not stuck. The first step in overcoming poor financial decisions is acceptance—acknowledging where you are without shame. Facing the full picture with honesty allows you to evaluate your financial facts and determine your best options.

From there, set specific goals. What do you want to achieve financially in the next year? Five years? Realistic milestones keep you focused and motivated. Consider seeking wise counsel—whether from a trusted friend, mentor, or financial coach. A coach can offer objective insights and help you create a step-by-step plan.

Open conversations with family are vital. Financial stress affects everyone in the household, and transparency builds trust and unity. As you take responsibility, practice self-forgiveness. Regret has no power to help you grow—only learning and action do. Sacrifice may be necessary. Cutting back temporarily can open the door to lasting stability and peace of mind.

Keep going. Progress takes time. Don’t give up when things get hard; instead, look for the good in the situation. Have you become more disciplined? More aware? Have you grown in character or humility?

Every misstep can be a lesson. When you accept ownership and view your past decisions as part of your journey—not the end of it—you take back your power. Everyone makes poor choices. What matters now is how you move forward.

And consider this: your commitment to change might inspire others. You can teach powerful, lasting lessons to your children and family members. Your redirection can create a legacy of wisdom. One day, you may look back and realize this season was a blessing—not a curse.

As a personal financial coach, I have helped people more clearly understand their current situation and see hope for a way through.  Sometimes it’s the “not knowing” that creates more stress.  If you’d like to meet, or talk, click HERE to schedule your personal financial coaching session.

Lisa Atkinson
TFCU | Personal Financial Coach
latkinson@tucsonfcu.com

As a Personal Financial Coach, I do not provide legal or tax advice.
Tucson Federal Credit Union does not make any guarantees that this service will achieve any particular objective or outcome. For any legal advice, please seek the advice of an attorney or tax professional.