published August 18, 2020
ByJessie N.
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8 Questions to Ask Yourself When You're In a Rut

How are you doing, really? COVID-19 has certainly put many of us through the ringer. From learning to be comfortable on our own for long periods of time (or be extra patient with our partners), it has also made us question our future plans. Is overseas travel on the cards anytime soon? Will festivals ever come back? 

We wish we knew. 

If you’re feeling a bit unsure of your 5-year plan or unmotivated to even think about it, these 8 questions may help you get out of that rut and back on track.


1. What am I still passionate about?

When you’re stuck in a rut, sometimes the best thing to do is think about what still makes you happy. As they say, the hardest part of making a change is always the first step – so push yourself to stop making excuses. Make time for old hobbies or explore something you’ve always been curious about to spark a sense of newfound motivation.


2. Are my goals realistic right now?

Take a step back and try to remember what your goals were. Now factor in your current situation and consider whether or not your ability to achieve them has changed. This could be due to lack of time, money or flat out motivation. The answer might not be to abandon those goals completely, rather just reframe them or adjust them.


Check your credit scores now to understand the reality of your financial situation.


3. What is getting in the way of what I want?

Are there any blockers that are preventing you towards moving forward with your goals? If so, how can they be removed? Here you can also ask yourself the question: who or what do I need to help me get closer to this particular goal?

4. What steps have I already taken?

Sounding out with someone or visualising the things you have already done can help clarify your next steps. For some this could be writing out a list, drawing a brainstorm or creating a spreadsheet with different tabs. Doing this can also help you work out what went wrong and how you can learn from your previous actions.


5. What can I do today?

Every little bit counts, and sometimes it's the smallest first step that is the hardest to take when trying to reach a goal. For example, if you’ve been wanting to get on top of your debt, you could start by chipping away at it. We built Wisr App to help Aussies pay down debt faster by rounding up daily transactions to go towards debt.


6. Am I making choices for myself or others?

Especially when you’re feeling like you’ve lost motivation, it could be worth asking yourself what you are really trying to achieve and why. Is it something that will ultimately make you happy? Or is it to make someone else happy? Lack of motivation may be a sign that the things you are doing aren’t really what you want, and it’s never too late to take on new goals.


7. What do I value most in my life?

Sometimes all we need to get out of a funk is a reminder of what is going well – and we all have things to be grateful for. Often we can get caught up in searching for our next big thing that seemingly ‘big’ setbacks can be crushing to our self-motivation. Try to take 5 minutes every morning or every night and think about all the things you have to be grateful for.


8. Am I taking care of my body and mind?

When we are stressed or have too many things going on we can often forget about our own wellbeing. And hey it happens to the best of us. When we think of self-care, a spa night or a quiet night might come to mind. Many people don’t realise ‘wellness’ can come in many forms… physical, mental, emotional and even financial. Did you know that 45.3% of Aussie employees identify as being financially stressed according to our recent research*. 



When it comes to your financial wellness, we may be able to help. You can check your credit scores on WisrCredit to get clear insights into your financial situation. It only takes 2 minutes to get your scores, plus you’ll get access to a heap of resources that can help you improve your knowledge about key money topics.


*: The Financial Wellness of Australian Workers Report 2020 

DISCLAIMER: This article contains general information only, and is not general advice or personal advice. Wisr Services Pty Ltd does not recommend any product or service discussed in this article. You must get your own financial, taxation, or legal advice, and understand any risks before considering whether a product or service discussed in this article may be appropriate for you. We have taken reasonable efforts to ensure that the information is accurate at the time of publishing, but the information is subject to change. We may not update the article to reflect any change.
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