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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

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?

Mind Over Money

Guide To Not Stress Out When You Are Broke

Living paycheck to paycheck can be very stressful. You’re always wondering how you’re going to pay your next bill. I’ve been there and it sucks. After a while of living paycheck to paycheck, I realized that unless you can control the outcome, then there’s nothing to worry about. If you can control the outcome then you can either worry about it and not change your life or do something about it and stop worrying.

Stress has a lot of effects on your health and you need to change the way you live in order to live healthier. Changing your whole mindset isn’t easy to do, but it’s something that needs to be done, otherwise you’re going to be stressed out all your life. You are in control of your life, so you can’t wait for something to happen. You have to make it happen.

Plan

If you have a plan in place for when you’re low on money, you will be able to take stress out of the equation. You are stressed because you don’t know what to do, but you’ve been here before. So now that you’re here again make a change. What are you going to do this time? Once you come up with a solution, write it down and use it next time. But how do you come up with a solution?

Brainstorm

So let’s take an example. Your rent payment is coming due, but you don’t have all of it. If you’re just going to shut down, then you’re not going to be able to pay rent. What do you do? Well, what can you do? Brainstorm it. You could get payday loans, but that’s just going to delay the inevitable. So come up with something constructive like selling something, going to a temp agency, sell plasma, go to a day labor place. These are just a couple of brainstormed ideas, but you get the point. There are other ways that are more constructive than getting a payday loan, which are going to have you stressed out again in two weeks.

Action

Once you have found a solution that is going to give you the best outcome without as much negativity, then put it into place. Start doing it and write it down so you know what to do next. Hopefully there won’t be a next time because you got rid of the stress. But like I said before, it’s good to have a plan so you don’t stress over the situation. If you constantly find yourself back in this situation then work on the next step which is changing your spending/making money habits.

The point is to get rid of the stress points. It’s not the lack of money that’s stressful, it’s the lack of a proper solution. Yes, the ultimate goal is to make more money but you can’t do that if you’re stressing out all of the time. Once you get rid of your stress points and have a plan for what to do when you’re running low on money, you’ll be able to focus on increasing your income.

How do you deal with stressful situations?

 

Mind Over Money

Why Won’t Money Buy Happiness?

Big BubbleWe’ve all heard before “Money can’t buy happiness”. But why? Why can’t having everything you’ve ever wanted to buy make you happy?

Are you happy now? If not then nothing you ever buy is going to make you happy. Sure going on a shopping spree will make you feel happy in the short term but in the long run you’re just going to go back to your unhappiness once the high wears off.

What you need to do is look deep down inside and find out the root of your unhappiness and it’s not because you don’t have enough things.

I believe the best way to become happy, when you’re unhappy, is to think positive or to talk it out with someone who will tell you like it is.

Always looking at the bad side of things will make even the happiest person not happy. If you really always have to complain about something then you really need to do something else. Why are you doing something that makes you that unhappy. Instead of complaining about it, do something.

I was really unhappy with my old job and finally just got tired of complaining and looked for a new job and found it. Now I’m extremely happy and would never look back. Sure I gave up a possible promotion in the near future but I also gave up stress, which I would give up anytime.

Would you rather have modest money and be stress free or a billion dollars but would have to be stressed out everyday (and there are things money can’t stop from stressing you out so don’t let that affect your decision)? I would choose modest money all day and night. Stress is really not good for your life or your family’s life, so cut it out.

Happiness is an emotion that’s deep down inside of you. Money will make a fake happiness for a little bit but eventually the unhappiness deep down inside of you will come out.

If you’re always unhappy, try changing something that you feel is causing that unhappiness. There’s really nothing to lose because doing that will either make you happy or keep you unhappy. So you have a lot to gain and little to lose.

So take action and change your unhappiness!!

I changed jobs to become happier, what have you done to become happier in life?

photo credit: h.koppdelaney

 

Mind Over Money

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

million%20dollar%20bill

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