Pebble in a Pond

Every action has a reaction and a consequence. If you throw a pebble into a pond, ripples occur and get bigger further out.

I had planned to go to a lunch and learn event nearby. A great place to network and watch presentations from people in the business world who share their nuggets of pure gold.

Wherever I go, I always plan on allowing extra time for travel. The venue was 15 minutes away and I allowed myself 30 minutes that day.
Unfortunately, roadworks caused me to be delayed. The road system was set up in such a way that 3 lanes merged into one. This caused chaos, and the journey that should have taken 15 minutes, took me just over 50 minutes. 

The result, the event had just about started, I had lost my chance to network and I was feeling annoyed.

This got me thinking about all the other people on the road and the effects of this one decision to set up the road system in such a way. I am sure it could have been done in a much more efficient manner and at a better time of the day. But anyway – what about the ripples?

If other people had planned for a lunch meeting, they would have been late. This does not create a great impression. By being late means causing inconvenience and irritation. If it is a first time meeting, does it pass on the message that you are a poor planner and your time is more important than theirs?

Secondly, the meeting probably won’t be able to go on for as long as the meeting agreed was only for a certain period of time. With less time, does that mean less business is done, and the meeting is already at"flustered and irritability" level?

What about the servers. While someone is holding up a table, the restaurant could be serving somebody else. Tables need constant turnover of customers, which means more money. If the table is held up, the restaurant doesn’t make as much money and neither does the serving staff. For a lot of these servers, they depend on the tips to bolster their earnings.

With the cars idling in traffic, more pollution is expelled in one area, which causes the air to smell far worse due to the emissions.
People will be far less patient and some may well have even missed their lunch because they have not been able to get further down the road in time.

So, one decisions can affect so many areas i.e. the road maintenance and shutting down of 3 lanes.

So how does this relate to money?

What about impulse buys? If you have a budget and buy something without little thought, that dollar amount has now been spent, which means there are less dollars for other things. You may have to forgo something due to your impulse buy.

What if you miss a payment on your credit card? That could mean extra interest having to be paid. The extra interest paid could have been put in your savings account or used to purchase something for yourself which you now have to forgo. 

With the missed payments, your credit rating could have been effected which means if you ever decide to lease a car or take out a loan, the cost has just increased because in the eyes of the lender, you are more of a risk to lend to.

I am sure there are 101 other examples that you can think of. The main thing to think about is that every action, has a reaction and therefore a consequence. If you get the chance, check out our free online game CashCrunch101 and see how your money habits stack up.