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Mind Over Money

Father’s Day Should Be Renamed

I'm right behind you
photo credit: LaPrimaDonna

My parents are divorced and remarried to others. When they got a divorce I chose to live with my mom. This led me to only see my dad every other weekend, if that. I never really got to be close with my dad, and I think I missed out on some great life lessons.

My Dad’s not perfect, and I need to realize that no dad is perfect. He’s always been there for me physically (ex. money) but not really emotionally with a heartfelt “I love you.” I think a lot of dads are like that, reserved in their emotions, and it’s a shame. Those three words can really mean the world to a son.

Now that me and him have grown older I’m trying to draw his emotions out more and more. And to hear him say I love you really makes me happy. And some more words that always bring a smile to my face are “I’m proud of you.”

I know today is called Father’s Day, but it should really be called Bond with your Father’s Day. It should celebrate the bond between a Father and his child(ren).

For this Bond with your Father’s Day go and throw a ball around, play a little basketball, or ask him to do something what you’ve always wanted to do with him.

So fathers out there tell your child(ren) that you love them, how proud of them you are, and give them a big hug. And child(ren) out there, give your father a big hug and tell them you love them too. You’re really going to regret not celebrating that bond when it’s gone.

Happy Bond with your Father’s Day

I’ll leave you with this heartfelt post @FrugalDad Raising a Frugal Dad: An Open Letter to My Son

Mind Over Money

Thursday Quick Tip: Quit Smoking Today

I just want to give you a quick tip today that will affect your health as well as your wallet. Quit smoking.  Yeah, I said it, quit smoking.  It can add up to quite a bit of costs now as well as in your future.  Think about all of the money you spend each week, month, and year on smoking.  It is a lot of money that you could use toward debt or even vacation.  That would be pretty nice wouldn’t it?

And in the future when you are in the hospital because you need help breathing, its not going to feel too hot then will it.  Also it will cost you a huge chunk of change just to live.  So stop.

Smoking also affects your loved ones because they don’t want to see you on your death bed.  It is going to hurt them a lot when they see you suffering because you wanted to smoke. Next time you take a puff, think about your future loved ones or your loved ones now that are going to suffer because you wanted to relax a little; it just isn’t worth it.

If you do want to continue smoking, let me know in the comments below why you are making that decision and maybe we can converse back and forth a little.  You may change my mind or maybe I’ll change yours; we’ll just have to see.  This week’s quick tip, stop smoking.

Mind Over Money

What’s Really Causing The Down Economy?

The Economy is based on how much money is being spent. So why is nobody spending?

Fear!

The TV is filled with stories that the world is coming to an end. That would make me want to save my money (and I do). If I don’t spend money then businesses don’t make money. If the businesses don’t make money then they don’t hire people. If people don’t have jobs then they don’t have money to spend. It’s a deadly cycle.

If either people stopped reading the news and watching TV we would be in a lot better shape because we wouldn’t know about the bad and would think everything is hunky dory. Ignorance is truly bliss and would help our country a lot, as far as the economy. But since people aren’t going to stop watching TV then we’ll have to think about something else.

Ninja had a good spin on the economy saying 91% of the U.S. does have a job. So how about the 91% of us that do have a job, help those that don’t by spending money. That would cause the business to make money, which would cause them to hire more people, which would cause those people to spend their money.

Sure you may be in debt up to your eyeballs, or your house may be underwater but that didn’t stop you from spending before. How did those credit cards get that much money on them? That’s right, you spent. So keep living your life like nothing has happened, spend your money and get payday loans. Eventually everything will pan out.

It’s a simple solution to a complex problem but it makes sense, doesn’t it? And then the TV will stop running stories about how the economy sucks. So lets take action and spend your money. Your country is counting on it!!!

What do you think about my solution?

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Mind Over Money

4 Quick And Easy Tips That Will Make You A Millionaire Fast

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Everyone wants to be a millionaire. Wouldn’t it be great if you could do it quick and easy?

Well it’s not. But why are people attracted to things like the title of this post? Once you get past looking at these types of articles you can move onto actually becoming financially free.

Nothing in life is easy. It takes hard work whether physically or mentally. You have to be prepared to recognize opportunities and seize them. Nothing helps that better than hard work.

Read, listen, and watch as much as you can about successful people. Learn from their mistakes and from their successes. Work what they have done into your own life

Here are real tips that will turn you into a millionaire….over time or at least make you better in life.

Be different

Don’t just do what everyone else does because then you’re not you. Still learn from others but add your own twist to it.

Persist

Like I said before, getting rich isn’t easy. So if you don’t want to work hard you will never be financially well off. It’s just not in your cards.

On that note, there will be times that you run into walls. When that happens you need to run through it. If you don’t stick through those hard times you shouldn’t even be trying because you will just be wasting your time. Just go back to your regular life until you’re motivated enough to want what’s on the other side of that wall. Success is filled with a lot of ups and downs so you need to be able to stick out those down times

Think Positive

If you don’t support yourself no one else is going to. You have to believe in yourself. You are going to be trying new things so always believe that you can do it.

Do you know why?

Because you can do it. There is no difference between you and Bill Gates other than that he seized on opportunities because he believed he could.

Have no fear

Remember “The only thing we have to fear……is fear itself”. If you truly believe that, then you can conquer fear.

I was scared to start this blog because I didn’t know what people would think or if anyone would even read it. And it really took me a while to get it started, but you know what? If I kept focusing on the fear I would have never started. Instead, I focused on “can you imagine how many people could end up reading what I write and have their lives touched?”.

I turned that fear into motivation.

If you do all of these things you will be successful. Being successful takes a lot of character, so when you do become successful don’t forget those that were there for you along the way. And always give back to those that don’t have the same opportunities that you had.

So, enjoy your success and be happy to know that your hard work has made you that way instead of spending a bunch of money on get rich quick schemes that never amounted to anything.

What do you think?

photo credit: Simon Davison

Mind Over Money

How To Make A New Years Resolution That Works

Every year people make new resolutions that they hope to accomplish for the next year. Most probably won’t keep it. There are many reasons why but it’s usually for lack of actually wanted to complete it. Here are 3 steps to make a resolution and how to keep it.

“Until one is committed, there is hesitancy, the chance to draw back, always ineffectiveness. Concerning all acts of initiative (and creation), there is one elementary truth the ignorance of which kills countless ideas and splendid plans: that the moment one definitely commits oneself, the providence moves too. A whole stream of events issues from the decision, raising in one’s favor all manner of unforeseen incidents, meetings and material assistance, which no man could have dreamt would have come his way.”

~William Hutchinson Murray

Stay in reality

“Reality is that which, when you stop believing in it, doesn’t go away.”  ~Philip K. Dick

If the goal is to make a million dollars by the end of next year, it’s probably not going to happen unless you win the lottery. If you want that goal then by all means try it but make sure you complete the next step before you make it your final resolution.

It is good to push yourself so that you change but make it somewhat achievable. For instance you could say I want to make 20% more that I did this year or save 20% more. You could even say I want to make a budget and stick to it every month.

Make plans to succeed

“He who fails to plan, plans to fail”

~Proverb

How are you going to achieve your resolution? Saying what you want to accomplish is one thing, but planning how you’re going to do it is what will make or break your resolution. Break down your final goal into small monthly goals. That will help bridge the gap between where you are and where you want to be.

For instance, If you want to make 20% more than you did last year, that could be $10,000. That equals $833 each month you would have to make extra. Then you brainstorm different things you could do for that amount. Perhaps a second job, or selling some items. Just come up with as many things, even unfeasible things, and then go through them and find what will work. That’s your plan and that will help you succeed.

Become accountable

“Accountability breeds response-ability.”

~Stephen R. Covey

You can do all that, but tell no one, so that way if you fail then no one will know. Yea that’s the easy way but that’s not going to change your life, tell someone what you’re going to do. Maybe they’ll even want to join you. But the point is to bring someone on that can hold you accountable for what you want for your life. A loved one or friend is preferable but if you don’t want to as them, then give me a try and sign up for my free monthly accountability emails, where’ I’ll keep you going month after month and we can motivate each other  to complete our resolutions.

The point of a resolution is to change something in your life because you’re not happy with what you’re currently doing in that area. Keep this resolution and you will have a new life you are happy with. It’s time to finally take a leap. JUMP!!

Are you going to take the leap this year?