I’m Ready to Start Changing My Life… Is it Too Late?

So if you’re like me, you are ready to kick those bad habits, bring on new challenges and are ready to reinvent your life. But, are you too late?

Is 35 too late to do it? How about after you already have a family, kids and a mortgage? What if you have some consumer debt that you just can’t seem to pay off?

No one said change is easy, but it can always be done. No matter what age. No matter where you are in life.


If you’ve been following my blog so far you’ve already learned that I am on my journey from “Debt to Freedom”. (Part 1: Let’s Talk about Debt, Baby)

I started incurring debt in my early 20’s, but when I met my partner Stan my life shifted. I started to make changes with regards to debt management, finances and investing in my future. The big changes definitely didn’t start right away, but I began talking about my debt situation more openly and learning better habits with Money Management.

I met Stan when I was 31, and most of what I know about investing and financial management comes from him. I am grateful that he introduced me to a world that I never EVER gave thought to. Since meeting him and experiencing so many wonderful life changes, the urgency to change really kicked in.

Urgency to start paying attention to my future. To start goal setting and planning for a better life for our family. Urgency to start this blog.


Shifting your thought process and mindset is a powerful thing. We all have it in us to do it, but it isn’t always so simple. It requires:

Hard Work
Self Understanding & Awareness

And most important:

Learning to Change our Thoughts

It requires the need to change. Even more, it requires the WANT to change.

And oh boy, did I (do I) want to change. I didn’t want to be carrying consumer debt for most of my life. I didn’t want to be paying minimum payments with 19.99% interest. I mean, does anybody? I didn’t always want to be living paycheque to paycheque, relying mostly on my credit cards and lines of credit to make purchases.

I didn’t want to be living beyond my means, never getting ahead.

I am 36 years old now, and I know I want a life full of travel, adventure, experiences and the freedom to have more time to spend with my family.

I have the need. I have the want. I need the HOW.


For me, the best way to learn how to change is by observing the people around me. The people who are living the life I want to live. The people who were heavy in consumer debt but are now living debt free.

The people who motivate me. The people who feel the same drive to change.

Change requires examining and questioning yourself. Understanding how your brain works, and unlearning all those bad habits from the past. Understanding your thought process and mindset, and learning how you can change it.


For me, starting small is always the way to go. I focus on changing my daily habits first, then I use the success from those changes to propel and motivate me to change the bigger things.

Changing the way we think, will ultimately change our actions.

We are living in a time of unlimited information at our finger tips. FREE information! You can learn from the best motivators and teachers, you can listen to podcasts for guidance, you can watch youtube videos on any topic you want. It costs no money, it just requires your time.

It starts with you. Start taking action now.

The time for change is always now. Don’t fret over your past, the future is your focus now, and the future starts this very second. Like, right now.

Take a moment to think about that.

Think about how you can literally start changing your life today, by changing your thoughts.

So, will you start your journey from “Debt to Freedom”? Will you work on creating the future you deserve? Will you compound your dreams?

Because, it is never too late to change. – Alia


Looking for some motivation? See below:

This post inspired by Brooke Castillo Podcast: Why Aren’t you Taking Action? Take the time to have a listen – it may just be exactly what you need to hear today.

4 thoughts on “I’m Ready to Start Changing My Life… Is it Too Late?

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