Lottery fan? You’re actually in good company. In fact, they say that most people that are in debt dream of winning the lottery. There are plenty to choose from — even if you’re visiting Europe on business, you can see tons of people hitting the lottery games and trying to see if they’ve become the lucky ones that are going to walk away with a multimillion dollar prize.
You will be a lot better off going in and getting your finances taken care of on your own, without the large windfall of money. Even if you won, you would still need to think about tax accountants and other people that can help you manage the money better. That’s really the best way to go if you were to come into that type of money. Everything else just has the chance of messing up your life in ways that you can’t correct easily.
So let’s get back to the subject of your finances, shall we? You will really need to think about what you want. No, not what your parents want — though it’s natural to want to please them. It’s not about what your friends are going to do with their lives — their goals and dreams can be different from your goals and dreams, and there’s nothing wrong with that. You need to have a plan. if that means going back to school, you’re going to want to make sure that you actually think about trying to get grants and scholarships that can lower the amount of money that you’re going to have to pay out of pocket. There’s no point in trying to make your life hard if you really don’t have to, right?
You’re better off thinking about the bigger picture, which in this case is the rest of your financial life. Do you want a new car or a new house? You’re going to need to have a down payment for both of those things. You’re going to need to pay down debts — do you know how much you actually owe? Getting a credit report is a good idea in cases like this.
You do have a lot more options than you think when it comes to fixing your finances. But dreaming about the big score that may or may not happen is really a recipe for disaster. There’s only so far that you can take that dream, and that means that you have to be ready for it not to happen — with so many people playing lottery games, it stands to reason that you might not win. You might not get what you want — but with the right financial blueprint, it won’t matter. Take care of yourself out there in the world, you only get one life to live!