Why You Still Don’t Have Your Life Together (And How to Change That Now)

Many people enter the “real world” with no idea how to be productive or successful. They keep looking for answers about how to better themselves. Others feel that getting their lives together is too cumbersome and not worth a try.

As an adult, you will experience many challenges, both young and old: money, self-improvement, having a meaningful career, and achieving all your personal goals.

But you can learn how to get your life together despite tough times or setbacks. Others have done it, and you can too. Here’s how.

Getting Your Financial Life Together

young businesswoman counting cash
Image Credit: Krakenimages.com via Depositphotos.com.

For most people, your financial life starts in your teens or twenties. You’ll get your first job and first car, move out of your parent’s house, and maybe go to college.

Soon enough, you’ll be looking to buy a house, start a family, or travel the world. (Or maybe all three!) All while paying back those student loans and living within your means.

Here are some tips that successful people use to get their financial lives on track.

1. Have Clear Financial Goals

young couple planning with notebook and laptop
Image Credit: AllaSerebrina via Depositphotos.

The best way to achieve your financial goals is to have a plan. A plan allows you to manage your money purposefully and track your progress easily. Your goals can be broken down into smaller steps:

Short Term Financial Goals: These are goals you can realize within a short period, usually from 0-3 years. They should be manageable and easy to start with. Do not strain to make your short term goals too high to reach. You want something attainable.

Mid Term Financial Goals: These usually have a lifespan of about 3-7 years. They should be more complicated than short-term goals and help you reach a more sophisticated financial stage.

Long Term Financial Goals: Long term goals are how prepared you want to be for your future. You want to achieve these goals in the next seven years and beyond.




Organizing your goals this way will help ensure you complete them within the timeframe you have set.

2. Establish an Emergency Fund

father and son putting coin in piggy bank
Image Credit: ridofranz via Depositphotos.com.

You have to prepare for the unexpected and set some money aside. Some emergencies can be severe enough to ruin your finances if you don’t have emergency savings to turn to.

There are different emergencies in life, such as losing your job, medical expenses, home and auto repairs, deaths, other life-threatening situations, and natural disasters.

You can start your emergency fund by saving a percentage of your monthly income or choosing a round number, like $250 per month. Treat it like any other bill, or better yet, automate it so that you don’t even miss the money coming out of your spending account.

The important thing is that the money in your emergency fund is out of bounds and only used in case of an emergency.

3. Have A Budget or Spending Plan

happy couple budgeting together
Image Credit: timphotography via Depositphotos.com.

After establishing your financial goals, prepare a monthly budget or spending plan for yourself. Your plan dictates where your money goes and how you use it on various expenses.

Having a plan helps you focus your money on the critical things and prevents overspending on unnecessary items. Your budget will also help you pay all your bills on time and be prepared for irregular expenses.

4. Bank On Your Future

woman at ATM with bank card
Image Credit: fotoevent.stock via Depositphotos.com.

Your future depends on your current banking habits. You need to start a savings account and retirement plan to protect your future from financial struggles.

Choose the right bank and financial products to make the best future financial plans. Avoid banks with crazy interests and unnecessary fees that will take your hard-earned money. Your bank should also be easy to use and have financial advisors who understand your needs.

Getting Your Professional Life Together

cheerful businesswoman welcoming new hire
Image Credit: Milkos via Depositphotos.com.

Although we are more than just our jobs, our careers are a big part of our lives. They shape who we are and how we live.




A great job gives us joy, a sense of accomplishment, and enough money and relaxation. A bad job, however, can consume everything and still leave us struggling to make ends meet.

Don’t underestimate your career when getting your life together. You can improve your professional life by using these tips.

1. Know Your Strengths and Weaknesses

applicant answering job interview questions with hiring manager
Image Credit: mavoimages via Depositphotos.

You have to be honest about what you can and cannot do. Knowing your strengths and weaknesses is an eye-opener. It will help you engage in activities you know you can accomplish and avoid projects that will only give you problems.

To determine your talents, look at your completed projects and your work history. What jobs did you thrive in, and why? What tasks do people often look to you for help with?

You can also identify your skills by taking career personality tests.

2. Plan for a Change

Group of students study at home
Image Credit: adriaticphoto via Depositphotos.com.

The labor market is constantly changing, and it’s easy to be left behind if you don’t adapt to these changes.

For example, online marketing has taken over the industry, and businesses that have not embraced technology are suffering huge losses.

Change does not occur once. It happens gradually over time – and that’s a good thing. Doing the same thing over and over again for several years would be incredibly boring and unfulfilling.

Continue to learn more about your job, keep your skills up to date, and pay attention to industry trends that indicate where your job might be heading.

3. Learn from Successful People

mature woman listening to coworker
Image Credit: fizkes via Depositphotos.

A mentor is far more important than people think. These are people who have achieved success in your career field. They have faced challenges but kept on pushing to become what they are.




You can learn almost everything through their struggles to become better. They will also give insight into ways to solve your challenges even before they reach you.

4. Never Change Your Goals, Change the Approach

sad woman looking at work report
Image Credit: AndrewLozovyi via Depositphotos.

When you have failed to accomplish your goal, what is your next action?

Many life coaches advise that you not change your plan to something simpler just because you have failed to reach it on your first try. You made the goal for a reason, and you must find a way to achieve it successfully. Instead, try changing the approach and system you used.

Getting Your Personal Life Together

family with grandparents walking on the beach
Image Credit: PeopleImages.com via Depositphotos.

We do most of our living outside of our work, yet often neglect our personal lives. Achieving your professional goals will help you succeed in life, but so will achieving personal goals and making ourselves a priority.

It is essential to learn to take care of yourself. Many people wait until they are sick to start, not realizing how detrimental that is.

Here are some suggestions on how to start taking care of yourself today.

1. Get Enough Sleep

man napping on couch at home during the day
Image Credit: voronaman via Depositphotos.com.

Sleep is an inevitable activity that helps to relax your emotional and physical status. When you do not get enough sleep, you can have significant health issues that will affect your productivity and even cause health issues.

Get into a routine of giving your body the rest it needs. Avoid specific foods and drinks before bed and aim for 8 hours of sleep every night.

2. Exercise Daily

Happy senior couple riding bicycles in the summer
Image Credit: Syda_Productions via Depositphotos.com.

Exercise is a must to stay healthy. Whether you hit the gym, go for a morning jog, or join a sports team, exercising helps you reduce stress, anxiety, and depression. It can also effectively shed unwanted weight.

3. Eat Healthy and Right

couple cooking healthy meal in the kitchen
Image Credit: AndrewLozovyi via Depositphotos.com.

Our body depends on the intake of the food we eat. If you do not eat enough healthy food, your body may not function well and you may not have the energy you need to make it through your day.

Ensure you eat healthy foods that will not contribute to factors such as diabetes and obesity, and save those sugary treats for a special occasion.

4. Take a Break

mature couple having breakfast on vacation with map
Image Credit: halfpoint via Depositphotos.

It’s easy to work all the time, and there is a lot of pressure to do so. But your body needs a break to allow your brain cells to relax and muscles to get back to working effectively.

You need breaks throughout your day, and you should also take days off from work. Don’t let your vacation days go to waste! Even if you can’t take a trip, not going to work for a week or two will help you reset.

5. Stop Complaining About Your Life and Act

irritated man at computer
Image Credit: fizkes via Depositphotos.com.

Talking about your problems is fine and generally considered to be healthy, however, complaining all the time is not. Life is challenging for everyone, but complaining about it does nothing except make us more miserable.

Anytime you find yourself complaining about something, stop yourself and instead try to focus on what you can do about it to make the problem better.

6. Live Proactively

exhausted woman resting at her desk on her phone
Image Credit: ZigicDrazen via Depositphotos.com.

Many people are not successful because of procrastination. It’s too easy to mindlessly scroll through your phone or watch another episode rather than getting to your work.

Always strive to finish what you have started. Once you get started on a task, it’s easy to keep going. So tell yourself you’ll do one specific thing or work for 5 minutes on something. It’s usually enough to trick yourself into keeping working.

7. Be Very Organized

senior business woman at her desk talking on cell phone
Image Credit: deagreez1 via Depositphotos.com.

Organization is a key to achieving success. It helps you spell out your goals clearly and helps you plan for every step you need to make it happen. Always organize yourself by breaking projects into small units to accomplish them easily.

8. Remove Every Toxic Person in Your Life

boss yelling at stressed male worker in an office
Image Credit: Krakenimages.com via Depositphotos.

It may hurt to let go of some people in your life, but remember to put yourself first in every situation. Not everyone wants you to succeed, and anyone who keeps you away from your success is an enemy of your progress. Cut them off.

Get Your Life on Track with These Proven Strategies

coworkers cheering together looking at screen
Image Credit: TijanaM via Depositphotos.com.

Getting your life together can be challenging but rewarding. You can secure your financial stability by setting clear financial goals, establishing an emergency fund, following a budget or spending plan, and banking on your future.

Similarly, you can achieve career success by knowing your strengths and weaknesses and planning for a change in your professional life. The key is to have a plan, be proactive, and take control of your life.

Others have done it before you, and you can too. With persistence and hard work, you can get your life together and achieve all your personal and professional goals.

Making a Life While Making a Living

Stressed young businesswoman with laptop
Image Credit: ArturVerkhovetskiy via Depositphotos.

A lot of our identity is tied to what we do for a living. If you don’t like what you do, it’s time to change it. Look for a new job, start a new hobby, or do something you’ve always wanted to do for yourself.

Don’t settle for a mediocre life. You can make a living and make a life for yourself!

How to Live Your Life to the Fullest

happy friends on road trip with van
Image Credit: halfpoint via Depositphotos.

Finding your purpose or what you “should” do with your life is not easy. Although many people think their life purpose is tied to whatever career field they choose, it doesn’t have to be. Your life is not just your job. It’s your family, your relationships, your hobbies, your passions, and the way you spend your free time.

Here are some strategies to help you get a little clarity and direction when you don’t know what you should do with your life.

Amanda Kay, the founder of My Life, I Guess, provides valuable career advice and support for anyone striving to make a living and, more importantly, make a life. Whether it's navigating job searches, learning new skills, overcoming unemployment, or dealing with debt, My Life, I Guess has been a go-to resource for career guidance and financial stability since 2013. Amanda's expertise and relatable approach have been featured in trusted publications such as MSN, Credit.com, Yahoo! Finance, the Ladders and Fairygodboss.




Leave a Comment