Do you need a lifeline?

July 27, 2018July 27, 2018Leave a comment

Affiliate disclosure: Some of the links below are affiliate links, meaning at no cost to you, I will earn a commission if you click through and make a purchase of a product or service.

Every so often it’s good to take a step back and take a different view of your life. A big picture point of view can give you some perspective that living it up close and personal every day won’t allow. A wide-angle, panoramic view can be especially helpful when you are experiencing a challenging time.

37061793_10155408670426968_2408675066129678336_n One way to see your life in a different way is to create a lifeline or life map. New author Jen Alward recommends a lifeline as an activity in her new release Hope and Healing at Home: Build Bridges with your kids and empower them for life with Art & Christian Therapy.Click here to visit Jen Alward.

Locating where you are and gaining insight into how you got there can give you direction in where to go next. Families have challenges today that were unimaginable 20-30 years ago. Drug epidemics, increased school violence and other societal trends are placing new levels of stress on parents and their children.

A lifeline will help you see where you’ve been and where you could go.

You can be as detailed as you want in your lifeline, family map. I set mine up for 10-year decades, but you divide it into five-year increments if you prefer. It can be helpful to include other family members on one sheet of paper to see where the trajectory of their lives may be headed and to help you set family as well as individual goals.

A perspective you may gain by completing a lifeline or family map is noticing how many challenges you have already successfully overcome. This can be reassuring that you will be able to meet whatever challenge you currently find yourself coping with. Seeing the pivotal periods in your life on paper can be a reality check into how you are spending your precious commodity of time.

So, where are you going with your one “wild and precious life?”

direction

Keep knocking it out until you’re successful

July 24, 2018Leave a comment

Affiliate disclosure: I do not have any affiliate arrangements with any of the products created by those mentioned in this blog post. If you buy one of their products, they will receive all of the profit. I will not receive a commission.

Do you feel like a fake, an imposter? Are you wondering what you’re doing putting yourself out there like that?

In “Steal Like an Artist: 10 things Nobody Told you About Being Creative,” Austin Kleon lays out the unspoken dilemma of people who are entering a creative or start-up phase: “nothing new is under the sun.” With the exception of actual inventors, nearly every one with a product wants you to believe they have an original idea or that they offer a special sauce to the established formula. What they offer is consistency of effort. The more times someone gets their message out there, the greater the chances that someone looking for that service or product will find it.

Look at Dave Ramsey. He didn’t invent either the envelope strategy or the concept of snowball effect for Financial Peace University. Those terms and strategies have been around for a long time. What he did, though, was organize a curriculum around a need he and others had for financial peace and, since then, has been sharing it with everyone he comes in contact with. His need has helped many others.

Lots of people will show you a formula on how to develop a successful blog. They may even have a course. They tried a number of things and kept doing the things that worked. So, if you are set on building a profitable blog, do what the successful bloggers tell you they did and yours will grow, too. Polish native Cristian Mihai began blogging in 2012. I started reading his blog, then. He did not have many followers. Now, over 132,000 people follow him. If I had done what he did beginning in 2012, I could be where he is now. But I didn’t. I started a blog and then stopped it. I started another blog and then stopped it. Remember, 90 percent complete to you, is 0 percent complete to your potential reader or customer.

Don’t stop. Keep going.

A journey of a 1,000 miles, begins with one step. Lao Tzu

Just about anyone who makes an excellent living boosts their income when they present what they know to others. To do this, they sit down and organize their thoughts and strategies into a cohesive, sequential manner. People who sell courses on-line or offer public speaking services are teachers in disguise.

But marketing is the secret sauce to success. And at its most basic definition, all marketing is, is telling everyone you come across what you’re doing. Don’t be shy: just blurt it out. When I started out as a journalist, I applied to work at newspapers and kept applying until a newspaper hired me. Then another one did, and then another one. Then, I decided to become a counselor. I had to complete additional educational requirements to be in this field, but not all fields require that. Now, my private practice is growing because I tell everyone I know I’m a counselor.

Some people never finish high school and can become billionaire business owners. Sir Richard Branson of Virgin Airlines, David Karp who invented the popular Tumblr social media platform, and singer extraordinaire Aretha Franklin are among people who were exceptions to the statistical outcomes of dropping out of high school. But the common denominator between them and people who became successful with Ph.Ds, is that they kept working at what they wanted to do and told everyone about it.

When you’re starting out, what you’re doing may feel like a version of the real thing. It takes a lot of practice and repetition for the stars to get to be stars and they all started as beginners. Even the prodigy piano player had to sit down at the piano for the first time to discover that s/he had the talent. Then s/he kept playing the piano over and over until enough people looked at him/her, young as s/he is, and noted s/he’s got talent.

It is the same for you. Whatever you pick to do for your living, keep telling other people about it and keep doing the work. Eventually, you will be known for your unique version of “nothing new under the sun.”

Save $300 without even thinking about it

July 12, 2018Leave a comment

Affiliate disclosure: Some of the links below are affiliate links, meaning at no cost to you, I will earn a commission if you click through and make a purchase of a product or service.

Do you find it challenging to set aside money for an emergency fund or to pay for luxuries such as vacations, new furniture or other items that you know you really shouldn’t put on your credit card?

If your employer offers a retirement savings plan, maybe you put aside money in there as an automatic deduction. You don’t even miss it and to encourage you to go to work one more day, you check it to see how wealthy you’re going to be 30 years from now.

Take your loose change at the end of the day and place it in an “in-home” savings account.

Using the same principle, you can set up a savings habit and before long have a stash of cash which you can access anytime you need it. A simple, at-home, savings account can be taking your loose change from your pockets and billfold and placing it in a piggy bank. Within a couple of months, you may have added up $60 or more.

Another secure way to add up a savings or emergency fund is to take advantage of round-up programs. Those work by your buying things and the program automatically rounds up your purchase. For example, if you buy $8.75 in gasoline at the 7-11, a round-up program, such as Acorns, will charge $9. The gas merchant will get their $8.75 and the quarter will go into a savings account. Within a few weeks or couple of months, you realistically could save over $300.

Since it launched in 2014, Acorns has added beneficial features for participants, such as debit cards and partnerships with other merchants who will contribute to your account if you buy their products. The best added feature, though, is Acorns is sensitive to your accounts. So, if your funds get low in your checking, Acorns will automatically pause withdrawals until you get your next paycheck. That is a huge benefit, so you don’t have to worry about pausing the program yourself and risk overdraft fees from your bank.

Your bank may offer this round up program, too, and if you can resist frequent transfers of money from the savings back into checking, then this may be more convenient for you.

If your employer has the technological sophistication, you can ask your human resources department to split your paycheck into two separate accounts of your choosing. Some people have a bank or credit union account only for monthly expenses that are on automatic payment. This can be helpful if you need to have strict boundaries around your spending.

Should you need help tracking your money, Mint is a free program for the consumer which can help you monitor your credit score and give you updates on the latest interest rates. How it’s free for the consumer is that the Intuit-owned program makes its money through referral fees to companies they promote.

Unexpected events happen all the time. When my mother went into a nursing home, I was able to make more frequent trips to visit her because of saving money through Acorns, rather than charging it to my credit card. Maybe you will have some unexpected necessary trips or have a desire to take a vacation. Wouldn’t it be nice to do that and have it paid free and clear all by saving money without even thinking about it?

How to get what you envy in others

June 18, 2018June 19, 2018Leave a comment

pele

Affiliate disclosure: I sometimes link to other websites that sell products. I currently do not have any affiliate relationships with websites to which I link. What that means is if you go to a website that I’ve linked to and you buy something from them, they will get all of your money and I won’t get a commission. I linked to them because I bought something from them and I liked it. This disclosure will be updated as required.

A motivational speaker held up a $20 bill and asked the audience “who wants this money?” She asked the audience with increasing volume of prompting: “who really wants this money?” I really wanted the money.

So, what did I do?

I sat there. I just sat there.

Instead, someone else ran up and took the money.

I was envious of both the motivational speaker AND the person who had the chutzpah to run up to the front to grab the bill. I’ve been green with envy many times. I’ve come to learn, though, that envy is just another word for nothing left to lose, to paraphrase Janis Joplin.

Staying stuck in envy is a wheel-spinning activity. A close cousin to worry, envy keeps you fixated on what’s right in front of you without any effort from you to take what you desire.

That activity was pivotal for me. Well, that’s why I went to see her, after all, was to get motivated.

Her point was that no one is going to hand you anything, but if you want something you are going to have to get out of your seat and get it yourself.

I’ve been getting out of my seat and working for want I want since then.

Who do you envy? Your answers will help you define your goals. You can go here, if you want to learn more about achieving goals.

But what if you’re on the other side of the envy and receiving a lot of hate?

Achieving your personal ambitions puts you at risk of leaving other people behind. Some people can’t seem to get over that hump and they never live the full life they dream about. Other people achieve greatness and forget about the shoulders they stood on which gave them a step up.

I can understand that latter category. People who do nothing but envy can put out a lot of negative energy. I did at one time. But there are some mindsets you can develop to buffer yourself from others envy.

In Maranda Pleasant’s Mantra Wellness (spring 2018 issue) is a short how-to guide to “learn to roll with the punches.” Here’s my version of the article’s suggestions:

Learn to soft belly breathe to calm yourself from other’s negativity and envy.
Others criticisms and feedback might be your best guide in learning what aspects of yourself need healing.
Learn to roll with the punches or toughen your skin. When you put yourself out there, people are going to grumble under their breath, talk behind your back and troll your social media.
Conflict is spiritual. You don’t think the disciples ever bickered? Read up on your spiritual saints and gurus and you will learn a lot about how conflict can develop consciousness.
Speaking your mind can get you hated, especially if you put yourself in front of an audience who doesn’t agree with EVERYTHING you say. Unless you are building an audience of clones of yourself, SOMEONE SOMEWHERE is going to disagree with SOMETHING you say.
Keep yourself grounded by surrounding yourself with those who, too, are getting out of their seat and going for what they want.
If you can’t take all the negativity anymore, then hire a therapist or a confidential confidant with whom you can process how it’s affecting you. As a person with a platform, it’s a misuse of power to use it to get back at people who are filled with envy and don’t have all of what you’ve worked for. Take the high road EVERY SINGLE TIME, PLEASE.
And if you fall off that high road, use it as an opportunity to build, rather than burn, a bridge by humbly making amends.

Now, who REALLY wants that twenty-dollar bill?

Rapid ways to make money and get out of debt

May 9, 2018June 19, 20182 Comments

Affiliate disclosure: I have linked to other websites which sell products. I currently do not have any affiliate relationships with websites to which I link. What that means is if you go to a website that I’ve linked to and you buy something from them, they will get all of your money and I won’t get a commission. I linked to them because I bought something from them and I liked it and it improved my life. Disclosures will be updated as required.

My husband and I completed Dave Ramsey’s Financial Peace Course two separate times. What can I say, we’re slow learners.

But we’re not alone: the average credit card debt load in U.S. households is nearly $16,000. Thanks to Dave Ramsey and our own commitment to building a wealthy mindset, we are well below the household average to now $0.

We make it our focus to rapidly pay off our credit card debt. The solution we keep refining is preventing it in the first place. The leading trigger for household debt is unplanned medical expenses. More than a 1/4 of American households have difficulty paying for medical care, according to the Kaiser Family Health Foundation.

abba, money The irony of the blogs you read giving you tips on how to make money and make it fast, work under the assumption you are in good health and you have the energy to take on an extra job.

So, if you don’t feel good enough to get a job delivering pizzas as Dave likes to recommend, what are some other ways to rapidly raise cash?

Here are a few ideas:

Sell what you have:

Pawn some unused electronics, guns, or jewelry. The risk is you might not get the item back if you can’t get it out of hawk, but it’s better than running up the credit card debt. Pawning your goods is less labor intensive than a garage sale.
Sell unused gift cards. The Gift Card Exchange kiosks will trade your card with a $20 minimum balance, for a voucher minus its fees for you to exchange for cash at the retailer where the kiosk is housed.

Borrow your own money:

Some retirement plans will allow you to take a loan out on yourself. While the money isn’t in the account making a return for you, you are repaying YOURSELF with interest. Doesn’t that sound better than repaying the bank or the credit card company with interest?
Borrow from your own life insurance policies. Some whole life, or permanent life, policies will allow you to borrow a certain amount, which you have your WHOLE life to repay. If you don’t get it repaid, the insurance will still pay out the amount of the policy, minus what you borrowed.
Do you have a stash of savings bonds you’ve been saving up for a rainy day? If they have reached their term, then you might consider cashing them in because after 30 years, they no longer earn interest.

Increase your income:

If you’re not feeling well, then you might not be up to getting a part-time job outside of the home. No worries. With technology, you can earn money from your bed if you need to. Some ways to do that could be:

Freelance writing or building a blog. If you have a unique health situation, then sharing your story to a niche audience may help them while it’s helping you. You may not earn a lot of cash the first day, but if you keep at it, you will overtime. And, you will learn a new skill which you could market to business owners who are too busy to keep up with their own blogs.
If you live in a house with a nice-sized yard, then you can dog sit for people who are traveling. Just be sure to check your city’s ordinances before providing this service.
Rent out a spare room. This might be mutually beneficial if you’re not feeling well. Knowing another person is within ear shot could give you peace of mind. Even better is if you have educational centers which offer nursing programs. Nursing students or traveling nurses would LOVE the low-cost living arrangement you could offer in exchange for their checking up on you.

Cut your monthly expenditures:

We had our car and home insurance company review our plans. During our requested audit, we learned that the company hadn’t given us all of the discounts for which we were eligible. It was an “oversight” on their part. They retroactively paid us over $300 and we lowered our premiums more than $100 each month.
If you need the extra cash, you will muster the discipline to change cell phone plans. It’s nice to have all the bells and whistle on your phone, but they’re not necessary. If you start a side business and can show proof of your business structure, you could qualify for cell phone business plans, which can run about $100 a month with unlimited voice, text, and internet.
Consolidate your debt and look for introductory rates for credit cards. But a word of caution, make sure you mark it on your calendar when the introductory rates end, or you could find yourself owing more than when you started.

While spending money seems to occur more rapidly than making money, take heart. You do have options to keep yourself from drowning in debt. New Thought, Right Action is here to help you develop the skills and mindsets you need to achieve your financial goals.

via Daily Prompt: Rapid

Astonish yourself with the right questions

May 1, 2018June 19, 2018Leave a comment

questions

Affiliate disclosure: I have linked to other websites which sell products. I currently do not have any affiliate relationships with websites to which I link. What that means is if you go to a website that I’ve linked to and you buy something from them, they will receive all of your money and I do not receive a commission. I linked to them because I bought something from them and I liked it and it improved my life. Disclosures will be updated as required.

Asking the right questions can provide you with astonishing answers about living your life to its full capacity. Starting your morning with five questions can prompt you to begin your day in a powerful and positive state, according to an exercise in Anthony Robbins’ Personal Power II: The Driving Force program.

So you remember your questions, write them down and keep them on your bed stand, tape them to your mirror, or have them as a note in your phone. Each morning for 30 days, read these questions and come up with two answers for each question.

These are the questions I developed for myself:

What can I do to be of service to at least one person today and enjoy the process?
What can I find to be grateful for today?
What actions can I take today that demonstrate I love myself and enjoy the process of loving myself?
What can I find to laugh about today?
Who do I love and who loves me?

In Anthony’s Personal Power II Success Journal he lists these questions:

What am I happy about in my life now?
What am I excited about?
What am I proud about?
What am I enjoying most in my life right now?
What am I committed to in my life now?

What are the questions with which you can astonish yourself by answering them?

via Daily Prompt: Astonish

Frank the Crank

April 17, 2018April 17, 2018Leave a comment

Photo by Odssey

Frank was a crank
He sat in a cubicle
And picked at his cuticles
While hearing the expletives
Of all of the defeatists.

Frank was a crank
because he didn’t know
if he would rise high or low
in his pursuit of success and money
while he drank tea with milk and honey.

Frank was a crank
and he took heavy breaths
while he jumped to the depths
of selling and burning out his soul
only to fill up his boss’s cup and bowl.

Frank was a crank
but he stood up one day
and looked through the fray
and decided he had had enough
so he packed up his cubicle and took all his stuff.

Frank was no longer a crank
because he reset his mind
and came up from behind
as he built a life with his own determined goals
and filled to the brim his own cup and bowls.

New Thought, Right Action

a how-to in changing your life

Tag: goals