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Stop Waiting for the Perfect Time to Start
Why there’s never a perfect moment to get your finances on track...and why that’s good news.
Ramzi Fakhoury
August 13, 2025
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Stop Waiting for the Perfect Time to Start
We often tell ourselves we will start “when things settle down.”
When the job pays more.
When the debt is smaller.
When life feels calmer.
The truth is, that perfect time rarely shows up. Life always has another expense, another curveball, another reason to wait.
The danger in waiting is that days turn into months, and months into years…and we’re still in the same place, wishing we had started sooner.
Here’s the good news: God is not waiting for your life to be perfectly in order before He can bless your faithfulness.
He works through the imperfect steps.
The small starts.
The choices you make when you feel unsure but move forward anyway.
Starting now, even in a messy season, builds habits that create change over time.
In the morning sow your seed, and at evening withhold not your hand, for you do not know which will prosper…
Today’s Practical Step:
Think of one financial action you have been putting off because you were waiting for the “right” time.
This week, commit to moving forward in three small parts:
Break it into the smallest step possible.
If you have been avoiding setting up a budget, start by writing down your last three days of spending.Set a short time limit.
Give yourself 15 minutes to work on it, then stop. This keeps it from feeling overwhelming.Attach it to something you already do.
Review your subscriptions while drinking your morning coffee, or transfer money to savings as soon as you get paid.
By lowering the barrier to starting, you give yourself the chance to build momentum…without waiting for everything to be “just right.”
Ramzi
Hope Filled Wallet
A Simple Prayer for Today:
God, help me see that I do not need to wait for the perfect moment to honor You with my finances. Give me the courage to take one step today, trusting that You will guide the rest.
Amen.
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