Relaunch: It’s Never Too Late To Start

Almost a year after first twiddling around with Prudent Pat on and off at, Prudent Pat now has a dedicated domain name. Welcome to!

A new school year, a fresh start. Over the past year, I’ve realized and reflected upon a few things about myself and blogging – lessons I think will be mutually beneficial. Here are some of the questions I’ve had throughout the past year.


I really had to ask myself, who is my target audience, and what are they interested in reading about and learning? Is this site mainly a source for good deals, or is it something else, something more?

Likewise, in terms of personal finance, I think a good starting point is to ask yourself, “What am I wanting to achieve financially?” “What is my goal?” I don’t think it’s necessary to have all the details worked out right away, but at least have one goal, whether that be a short or long term financial goal. Some examples might be:

  • Help others in financial need
  • Save for a down payment for a future home
  • Save for retirement
  • Save for college funds for future children
  • Save for a vacation
  • Pay off student loans
  • Get out of credit card debt
  • Pay off any other loans

Don’t let this list restrict your imagination. The possibilities are endless! I will say one thing from the get go though. I would avoid making goals that tie your financial success to who you are or how you feel – don’t let money define how much you are worth. We are all worth much more than just money, and it certainly doesn’t define who we are. Financial success is just a means to an end. Money is simply a tool that helps us accomplish greater things. 

Taking Action

I had a tendency to write and rewrite posts, to the point where they never got posted. Don’t get me wrong, careful thought and consideration before taking action is encouraged, but for me, I was overthinking what I was writing. Thought without action is futile. This is why I’m hoping that with this relaunch, I will just let thoughts flow out into a post, read it over a few times, and then post it before I can overthink it.

In the same way, after a bit of thought and consideration, I encourage you to take action right away towards your financial goal. This could be as simple as writing it down somewhere, perhaps on a sticky note you’ll see in the mirror each morning, or telling someone so that they keep you accountable, or better yet, subscribe to this via the sign up at the bottom of the page and follow me on Instagram and Facebook to keep up with weekly posts that will dive deeper into directly actionable steps! Whatever your goal is, try to take even just a baby step in making it closer to becoming reality, today! 

It’s Never Too Late

I get lost about what to write about in terms of personal finances – there’s so much to talk about, where do I start? To be honest, I didn’t know for this relaunch post, but I didn’t want to overthink, and I wanted to take action write away, so i just started writing, and here we are! I could have just said “I tried it last year, but it’s too late to start again now”, but it’s never too late. If there’s a will there’s a way.

What about it terms of personal finances? I receive a lot of questions related to personal finances, but often they’re asked before any initial steps have been taken. I think the best way to start is… JUST TO START. I think often we are frozen in fear of making mistakes, but like beginning a journey, once the wheels are set in motion, it is much easier to decide where to go. In the same way, if you feel like you haven’t begun or have barely scratched the surface of your personal finance journey, I encourage you to JUST START. There are obstacles in every stage of life – see if any of these resonate with you:

I’ll wait till I/we:

  • Finish college/university
  • Find a real job
  • Find a steady job
  • Am making more money
  • Have saved up enough
  • Get married
  • Buy a condo
  • Buy a house
  • Have kids
  • Our kids have grown up
  • Have more time
  • It’s too late, I’m already 25, 35, 45, 55, 65, etc

and so on. Now I can’t say I speak for everyone, especially those in extraordinarily difficult circumstances, but for most of us, the truth is that the best time to start with personal finances IS NOW. It’s never too late. The only obstacle that likely stands in your way is yourself. 

Conclusion (TL;DR)

No matter where you are, how old you are, where your finances are, keep these 3 things in mind.

  1. What is your purpose? What do you want to achieve financially?
  2. Take Action, no matter how big or small, as soon as possible.
  3. Never tell yourself it’s too late, because it’s not. Not now, not ever. 

Until next week!

Prudently yours, 


2 thoughts on “Relaunch: It’s Never Too Late To Start

  1. Thumbs up to taking action ASAP! But a lot of time ppl are just don’t know how to start or where to start. You have to talk to a lot of knowledgeable people before you get an idea of what’s what. Especially if your family and friends are not familiar with good personal financing. I’m lucky I can find people who knows a thing or two😆.

    1. Thanks for your comment, Sunny! That’s what I hope to be able to do – to help the everyday Canadian, especially Vancouverites, on their personal finance journey by making things simple and understandable. Stay tuned for my next post where I hope to provide some answers on how and where to start!

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