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Showing posts from December 16, 2018

The Magnificent Obsession - Creating A Compelling Future....

GIANT GOALS PRODUCE GIANT MOTIVATION So often, people ask me, "Where do I get my energy? With all that intensity, no wonder you're so successful. I just don't have your drive; I guess  I'm not motivated. I guess I'm lazy." My usual response is, "You're not lazy! You just have impotent goals!" Frequently I get a confused look to this response, at which point I explain that my level of excitement and drive comes from my goals. Every morning when I wake up, even if I feel physically exhausted from a lack of sleep, I'll still find the drive I need because my goals are so exciting to me. They get me up early, keep me up late, and inspire me to marshal my resources and use everything I can possibly find within the sphere of my influence to bring them to fruition. The same energy and sense of mission is available to you now, but it will never be awakened  by puny goals. The first step is to develop bigger, more inspiring, more challenging ...

The Magnificent Obsession - Creating A Compelling Future....

"Nothing happens unless first a dream." - Carl Sandburg Are you ready now to have some fun? Are you willing to be like a kid again and let your imagination run wild? Are you committed to grabbing hold of your life and squeezing from it all the power, passion, and "juice" you know can be yours? We've covered a monumental amount of material in the previous articles, most of which you can put to use immediately.Some of it, however, will stay tucked away in a corner of your brain, locked in deep storage until just the right moment. We've worked hard together to get you in the position to make new decisions, decisions that can make the difference between a life of dreaming and a life of doing. Many people in life know what they should do, but they never do it. The reason is that they're lacking the drive that only a compelling future can provide. This article is your opportunity to let go and dream at the highest level, to brainstorm out the wil...

HOW TO GET AHEAD WHEN YOU’RE BEHIND ON BILLS- (Continued - 2)

STEP #9:  REDUCE SPENDING Once you’ve cut what you can from your budget, now it’s time to get even more creative and see where you can trim in other areas. The easiest and most obvious place to start would be grocery spending and utilities.  Meal planning, using coupons and planning meals around what’s on sale are great ways to save money on food.   STEP #12:  DOWNSIZE YOUR LIFESTYLE If you come to a point where you’ve done everything you can possibly think of to cut expense and increase income and you still find yourself in a hole, you may  seriously start thinking about downsizing. Is your home more expensive than you can afford?  With home ownership, there’s more to it than just the mortgage payment.  There’s taxes, homeowners insurance, maintenance, HOA fees, etc. Are you car poor?  Are you driving a car that you can’t afford?  The average car payment, in this country, is over $400 a month.  Then you take on i...

HOW TO GET AHEAD WHEN YOU’RE BEHIND ON BILLS- (Continued)

STEP #5:  MAKE A BUDGET A budget is vital for getting your finances on track.  Without one, there’s no way you’ll be able to succeed, financially.  A budget will help you track your expenses and it will help you to tell your money where to go, instead of wondering where it went. To  make a basic budget , start with your total income at the top of the page.  Next, list all of your expenses, as shown above, listing them in prioritized order.  Start subtracting each one from your income.  Doing this will help to calculate the gap between your income and expenses. STEP #6:  CUT EXPENSES This is where you need to take a good, hard look at your spending.  When you're behind on bills and trying to get caught up, it is important to stop any unnecessary spending. Stop spending on eating out, going to coffee shops, cut the cable, etc.  You must differentiate between wants and needs. These changes don’t have to be permanent, but are ne...

HOW TO GET AHEAD WHEN YOU’RE BEHIND ON BILLS

Have you found yourself wondering how to get ahead when you’ve gotten behind on bills?  I’m sure you’ve been stressing out about how and when you’re going to be able to catch up.  When you’ve gotten behind, it can be very difficult to get caught up, but it’s not impossible. The main reasons for getting behind are usually because you’re overspending, you aren’t making enough money or both.  When you start on this down hill spiral, sometimes it feels impossible to pull yourself out of it, but it doesn’t have to be this way.  There are some things you can do to begin untangling your finances and get back on track to getting your life back. STEP #1:  FACING THE UGLY TRUTH Sometimes, facing the ugly truth about your finances is the hardest part of coming to terms with the reality of your situation.  Ignoring the facts will not make them go away. It’ll just make it worse. The only way you’re going to be able to deal with this problem is to take a deep...