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10 Action Steps to Motivate Yourself to Success in Life

From TheSykesgrp.com

small steps

 

By Ed Sykes

The following are ten motivation action steps you can take to motivate yourself in work, business, and life:

1.     Positive Affirmations for Success

Our subconscious mind is a wonderful tool for success or failure.  It will do what we tell it to do.  It all depends on what thoughts we feed it.  So why not feed your inner mind with only positive thoughts.  The following are some examples of positive affirmations you can feed your inner mind for success:

§         “Today, I will win because I have faith, courage and enthusiasm.”

§         “I see failure only as a signpost on my road to success.”

§         “When I feel stress, I will relax and release my stress before I take on my next task.”

§         “I always write down my priorities, thinking of my responsibilities.  I may not get everything done, but I will do the most productive thing possible at every given moment.”

§         “I am a winner, I work for a winning organization, and because of my contribution and cooperation we will keep on winning.”

§         “Today, I will see opportunity in every challenge offered to me.”

2.     Positive Language for Success

Recent research has come out that 75% of daily conversation is negative.  Whether it is the words we use or the body language, we need to communicate in a positive manner all the time.

The following are some examples of how you can turn negative words into positive communication:

§         Instead of saying “problem,” call it “opportunity.”

§         Instead of an action being a “failure,” describe it as a “learning experience.”

§         Instead of “I have to,” say “I choose to.”  This gives control for your actions back to you.

§         Instead of saying, “There’s nothing I can do,” say, “Let’s look at our alternatives.”

§         Instead of saying, “That’s just the way I am,” say, “I choose a different approach.”

§         Instead of saying, “He makes me so mad,” say, “I control my own feelings.”

If you notice, by using the positive response, you have control over your actions and life.

3.     Exercise for Success

A Gallup survey found the following among men and women who have taken up exercise recently:

§         66 percent report a more relaxed life

§         62 percent a new surge of energy

§         55 percent less stress

§         51 percent better looks

§         46 percent more confidence

§         45 percent better love life

§         44 percent greater job satisfaction

§         37 percent more creative on their jobs

These are great motivators to exercise!  Next time you feel demotivated, give your body a workout.  Recent research reports that as little as fifteen minutes three times a week has profound effects.  Get moving.  Get motivated.

4.     Take Risks for Success

We all live our lives in comforts zones, avoiding risky situations, avoiding the potential to fail.  It’s real safe for us.  But in order to get ahead of your competition and master the ongoing change in your life, you must go out of your comfort zone.  Start one step at a time.  Try that little new thing, that different approach.  It could be as simple as taking different routes to and from work.  Once in a while I like to “take the road less traveled” to stir up my creative juices.  Then, keep stepping out of your zone.  It may seem uncomfortable at first.  But the more you do it, the more it will seem natural and you will see an increase in your creative juices and opportunities you never thought about before.

5.     Positive Reading for Success

Read about the lives of successful people.  Make sure you read only those people that embrace the timeless values that make them truly successful through the ages.  Not the “success today, scandal tomorrow” success stories that we are experiencing today.  People like Herb Kelleher of Southwest Airlines, Fred Smith of Federal Express, Mary Kay Ash of Mary Kay, Benjamin Franklin, Abraham Lincoln, Mahatma Gandhi, and Dr. Martin Luther King, Jr. are good examples. These are people who overcame enormous challenges, created real value for others, or changed other people’s lives for the better.

6.     Positive Visualizations for Success

Condition yourself to paint your vision for success.  One of the best ways to do this is the following:

§         Go to a quiet place in your home or elsewhere.  Turn off all radios, televisions, etc.

§         Find a comfortable chair and get into a relaxed state of mind.

§         Start thinking about one goal you want to accomplish.  Remember, visualize as if you are already accomplishing this goal.

§         Visualize taking all the necessary steps to successfully complete these goals.  The better your visualization, where you can actually see, feel, hear, and touch your vision, the more real it is to you.

§         Visualize any challenges to your successful completion of this goal and how you will eliminate this challenges.

§         Visualize how good it feels to complete this goal.  Visualize what benefits it will bring to you, your family, friends, co-workers, etc.  Enjoy the moment!

Important:  If you don’t take time to see it, it won’t happen!

 

7.     Think Big for Success

See the big picture in everything we do.  So much of our time is wasted dealing with the unimportant things in our lives (what that person said or did, the driver who cut us off this morning, and activities which don’t add value to our lives, etc.) that we forget about the big picture.  We were put on this earth to make a difference. We make a difference for our families, our communities, our organizations, and for ourselves.  All of our actions must be put into action with this concept in mind.  Think a little bigger today than yesterday, and you’ll create a better future tomorrow.  Thinking big leads to great actions.  Thinking small leads to small results.  So Think BIG!

 

8.     Set Goals for Success

The fastest way to fail in life is to not set clear goals.  Set goals in the financial, family, health, spiritual, and career areas.  Your goals must incorporate the SMART techniques or else it’s just a “conversation in the park.”

§         S for specific

§         M for measurable

§         A for attainable

§         R for realistic

§         T for time-based

For example, you might have a goal of achieving $2 million for retirement in twenty years.  After doing your research, a SMART goal would be the following:

“I will acquire $2 million dollars for retirement by 2024.  I will do this by contributing $20K, or $1667 per month, to my various retirement funds each year.  Of the $20k each year, $2k will go to my IRA, and $18K will go into my organization’s retirement program.”

Remember the most detail you can add, the more realistic your goal becomes.

9.     Positive Appearance for Success

Super achievers are very careful about their appearance and their movements.  They know that looking good translates into feeling good.  Billy Crystal, of Saturday Night Live and movie fame, once played a character that was known for saying, “It is better to look good than to feel good.”  What he was really implying was the “fake it until you make it” concept.  In other words, if we are feeling down, then think positively and your mind will tell your body to follow suit and act positively.  Also always dress the part of an achiever.  Model the dress, actions, and behaviors of someone who is successful and embraces the long term values of successful people. This will also tell your mind that I am an achiever.

Don’t let that be the deciding factor on being motivated.  You can easily distinguish those who are motivated from those who are not motivated just by looking at their appearance and their movements.  The motivated move forward, onward and upward with confidence.

10. Helping Others for Success

Develop an obsession to help others.  Share your special talents without expecting a reward, payment, or commendation.  And above all else, keep your good deed a secret.

You know what, it you apply the helping techniques to others, it will automatically come back to you tenfold in a number of ways.  First, the enjoyment of knowing that a special talent you had made someone else’s life better.  Second, because you didn’t seek it, word will spread about you and your deeds.  This will be translated into unexpected riches and opportunities.  Third, you will gain a new level of confidence in knowing that you can make a difference.  Super achievers find motivation and meaning by helping others.

Want to learn how to be a motivated achiever? Our Master Your Attitude, Team Building, Life After Downsizing, How to Develop the Leader Within You, Time Management Skills to Achieve More, and How to Handle Workplace Stress and Master Your Life programs can help you lead others to the next level.  Also read our articles on motivation, goal setting, etc. Call us at 757-427-7032 or e-mail us at esykes@thesykesgrp.com.


Ed Sykes is a professional speaker published in the areas of leadership, change management, customer service and teamwork. He works with business and government organizations who want to reach the next level of success and individuals who want to perform at their best. You can email him at esykes@thesykesgrp.com, call him at (757) 427-7032 or visit his Web site at www.thesykesgrp.com.

mental wealth now

5 Paths to Happiness

happiness

Internal changes to transform your life.

By Steven M. Melemis, Ph.D., M.D., for MSN Health & Fitness

The purpose of life is the pursuit of happiness. But you sometimes lose your way and end up going in the wrong direction. When that happens, how do you change your life to make it better?

Happiness is an inside job. Before you change anything else in your life, have a look at yourself. If you don’t change who you are, any external changes you make will feel nice temporarily, but then you’ll go back to feeling the way you did before.

Here are the five points that will help you change your life:

  1. Get ready for change.
  2. Identify what you need to change.
  3. Let go of old habits to make room for change.
  4. Learn new coping skills.
  5. Incorporate the changes into your life.

Get ready for change

Don’t be afraid to look at yourself. You may be worried that you will find something you don’t like. Everyone has a few dark corners in their character. That’s normal, and shouldn’t be an obstacle to change.

Start with your easiest issues and you will gradually make changes in the rest. Everything is connected. Look at your deepest issues only when you are ready.

Take small steps. Don’t take an all-or-nothing approach to change and sabotage yourself before you start. Decide ahead of time to make small changes, and you will make progress.

When you take an all-or-nothing approach, you don’t have the energy to make big changes, and you don’t see the significance of small changes, so you will feel stuck. There are only a few things you probably need to change in order to make a big improvement in your life.

Identify what you need to change

Stress and negative thinking are the most common things people need to change. Examples of stress include fears, resentments, dwelling on the past, or worrying about the future. Examples of negative thinking include all-or-nothing thinking and disqualifying the positives.

Do you think that things have to be perfect, and anything less is a failure? Do you focus on the few negatives in your life and ignore the many positives? These factors lead to most unhappiness. In severe cases they can lead to anxiety, depression, and addiction.

How all-or-nothing thinking leads to problems: “I have to do things perfectly because anything less is a failure.” This is the most common type of negative thinking, and the main cause of anxiety, depression, and addiction.

All-or-nothing thinking leads to anxiety because you’re worried that any mistake can expose you to criticism. You’re always second-guessing yourself, and you don’t give yourself permission to let your guard down.

It can lead to depression because when you think you have to be perfect, you feel trapped by your own high standards. That can be so exhausting that it depletes your mental and emotional resources leading to depression. All-or-nothing thinking can also lead to addiction because anxiety or depression feels so uncomfortable that you may turn to drugs or alcohol to escape.

Make room for change

The most overlooked part of change is making room for change. This is the missing piece in most self-help plans, and the reason why most people fail. They focus on why they are unhappy, thinking that alone will lead to change. They spend most of their effort trying to understand their issues. But this is just one part of change.

You also have to let go of old habits so that you don’t repeat the same mistakes. Have you ever asked yourself, “How could I be so smart but do such dumb things?” That’s what happens when you try to change without making room for change.

When you’re tense, you tend to do what’s familiar and wrong instead of what’s new and right. Stress is an obstacle to change because when you are tense, your ego and fears get in the way. Change isn’t just about what you learn, it’s also about what you let go.

Think of it this way. There are many coping skills you need to be happy. If you learn them all but don’t learn how to relax, you will still find it hard to change, because when you’re tense you will continue to repeat what’s familiar and wrong.

On the other hand, if you learn only one new coping skill—how to relax—you’ll still be happier, because everything is easier when you’re relaxed. If there is anything else you need to change, you’ll see it more easily and deal with it more effectively when you’re more relaxed.

Learn new coping skills

The three coping skills most people need to learn are these:

  • How to reduce stress and relax
  • How to stop dwelling on the negatives and disqualifying the positives
  • How to take better care of oneself

Stress management is important because it helps you reduce the anxieties, fears, and resentments that lead to unhappiness and are obstacles to change. It helps you live in the moment instead of dwelling on the past or worrying about the future.

In the moment is where you feel happiest and content. It’s hard to feel happy when you’re dwelling on the past. You replay events from the past and dwell on what happened and how it upset you. Stress management helps you let go of the past so that you can enjoy the moment.

Relaxation is more than just a way to relax. It is a way to change your life. You relax by letting go of the stress and negative thinking that lead to unhappiness, and in doing so you improve your life. This is what makes relaxation a coping skill for change.

There are a variety of relaxation techniques to choose from. They range from breathing techniques to yoga and meditation. They all help you let go of tension and be in the moment.
Cognitive therapy is the most commonly used technique for changing your thinking. The main idea behind cognitive therapy is that your thinking determines your mood. Your mood is not determined by external factors, but how you interpret external factors.

If, for example, you interpret your experiences in a negative way, you will feel negative. The opposite is also true. If you take time to appreciate the positives in your life and don’t disqualify them, you can improve your mood. If you change your thinking, you will change your life.

Stress management also teaches you how to take better care of yourself. You practice putting time aside to relax, which is an act of self-care. You are saying that you are worth taking time for, which improves your self-esteem.

Incorporate the changes into your life

All change is difficult, even good change. You have repeated your old habits thousands of times. You will have to repeat your new habits a few hundred times before they start to feel comfortable.

Both stress management and cognitive therapy can help here. You practice being relaxed and happy in stress management so that you can incorporate these qualities into your life. You practice a healthier way of thinking in cognitive therapy so that it can become your new automatic response.

Mind-body relaxation and cognitive therapy serve the purpose of life. Combined, they help you overcome most of the problems you are likely to face. They help you identify what makes you unhappy, let it go, and replace it with something better. They transform your life.

 mental wealth now

Why Apple’s iPad Has Entrepreneurs Salivating

ipad_touch 

See full article from DailyFinance: http://srph.it/cjrSfr

iPod, iPhone, iPad — iRich.

That pretty much sums up the desire of entrepreneurs, developers and businesses looking to cash in on Apple’s (AAPL) iPad release and Steve Jobs’s Midas touch by bringing new iPad accessories and software to market.

With its April 3 release, the iPad marks the latest device to glom onto the multibillion-dollar cottage industry that has sprung up around Apple’s iPod and iPhone. As wanna-be entrepreneurs sit on the sidelines debating whether to jump in, analysts say consider this: Accessories are high-profit-margin items.

That cottage industry serving Apple’s iPods and iPhones generates an estimated $6 billion to $7 billion in sales annually, when lumping in headphones, speakers, docking stations, chargers, cases and the like, says NPD Group analyst Steve Baker.

The market for iPad accessories, however, isn’t expected to be as lucky.

“It won’t even get remotely close to $6 billion or $7 billion in a couple of years,” Baker says. “If you sold a few million iPads, that would translate into a few hundred million in accessory sales.”

Low-Ticket Accessories

Like the iPhone, the iPad is expected to suffer from a case of spurring low-ticket accessories like silicone cases and inexpensive stands that sell for under $100. For example, an iPhone case can usually be had for under $50 and Bluetooth headphones for about $80, whereas iPod accessories tend to cost much more, with docking stations running upwards of $400.

Since the birth of the iPod in 2001, a slew of “i” companies have formed, from theiStore.com, with its iPod-iPhone accessories, to iLounge.com, which offers iPod, iPhone and iPad news to its readers. And, of course, there are more established corporate players from Belkin to Logitech fishing for a new revenue stream by adding “i” accessories to their product lines.

One of the early entrants to adopt the “i” theme was theiStore.com, which launched its Web site in 2003.

“I bought an iPod and couldn’t find a silicone case for it. I was trying to bridge that gap when I found a silicone maker in China who had them available in 40 colors,” says Michael Lipner, president of theiStore.com. His company quickly set out to be a distributor of these cases.

Opening Splash

Within the first two years of opening, theiStore.com’s sales peaked at more than $2 million, Lipner says.

But the demands of being a small distributor were taxing, and Lipner sold off that part of his business to focus on developing unique iPod and iPhone accessories. But by the time he restructured his business, a number of new competitors had entered the market.

The iStore now generates sales under $2 million annually and is taking a cautious look at the iPad, Lipner says. He notes that for people who are considering jumping into the iPod, iPhone and iPad market, it may be too late. “Lots of people have done just that,” Lipner says. “Pretty much any URL that starts with iPod, iPhone and iPad has already entered the field.”

Renowned venture capital firm Kleiner Perkins Caufield & Byers is looking to stoke the entrepreneurial fire, announcing Wednesday it planned to double its “iFund” to $200 million. That money is earmarked for investments in new applications for the iPhone, iPod Touch and iPad, an area that has attracted an avalanche of attention from software developers.

Developers focusing on entertainment, communication, social networking, commerce, health care and education for the iPad may attract Kleiner Perkins’s attention, creating yet another player in this burgeoning cottage industry.

An
Allentown’s Worth of Developers

With the kind of money that Kleiner Perkins is dangling for developer entrepreneurs, this industry may burst at the seams. According to a Credit Suisse report, Apple has attracted roughly 100,000 developers to create applications for its iPhone operating system — enough folks to fill Allentown, Penn.

“We expect all ventures to have an iPad strategy,” said Kleiner partner John Doerr in a statement. “A new, truly revolutionary platform is rare, and a prize for entrepreneurs.”

Already, more than 1,350 iPad apps have hit Apple’s iTunes App Store, according to AppAdvice.com, which covers news and reviews on Apple apps. Among those with wares are some of the most established players, such as the successful mobile game developer ngmoco, which has developed seven games for the iPad, including three made exclusively for the new tablet.

“We’re finding it to be a Pandora’s box of opportunity,” says Clive Downie, ngmoco’s vice president of marketing. “It has a wonderfully large screen, great touch sensitivity, more touch points than the iPhone. It’s an order of magnitude better.”

Whether the iPad proves a successful platform for the game developer will depend on Apple’s success in selling the device to consumers, he adds. “It’s our belief it will be successful and give Apple a foothold in the home environment, in the same way the iPhone and iPod Touch gave them a claim on consumers’ time on the go,” Downie says. “The iPad is going to give them that in the home.”

Good for Independent Developers

Agile Web Solutions, a small independent software developer, says it has had a tremendous number of requests for an iPad version of 1Password and is “treating it like a critical new component” of its 1Password product, a password manager and automatic form-filler first released for Macintosh desktops and laptops.

“We’ve even heard from plenty of customers who plan on completely replacing either their notebooks or some family members’ notebooks with an iPad, so our iPad version has to be the best 1Password client we can make for that device,” says David Chartier, Agile’s chief media producer.

“I think tablets are going to be an incredible new platform that offers a ton of growth for everyone, but especially independent developers,” Chartier says. He expects such developers to push the boundaries of the new device in ways that bigger software developers might not.

“I think we’ll see a tremendous amount of useful innovation from Apple with iPhone OS and Google (GOOG) with Chrome OS and Android,” he says. “It’s all going to translate to a tremendous amount of opportunity for third parties to make these platforms reach their true potential.”

With reporting from DailyFinance’s Dawn Kawamoto

Brian Tracy: If You Could Achieve One Goal in 24 Hours

Self-made millionaires have been studied extensively throughout the years. The good news is that success is not an accident. Success can be learned and it leaves tracks. The great news is that you can follow the tracks of successful people to arrive at your ultimate destination. In this upbeat presentation, Brian shows you: Ways to get off Someday Isle and move your life in the right direction; How to develop a sense of control and sense of coherence in life; 16 qualities or learnable skills that will virtually guarantee your success; The 20-idea “mindstorming” method to find your self-purpose.

I really hate my job (great motivational speech) by Zig Ziglar

Have you ever noticed that the people who are the problem never recognize themselves as being the problem?  Zig Ziglar gives a great speech about attitude on the job. 

Success is a brick by brick A-Z process. It isnt rocket science. So, what if someone gave you the bricks, the tools and the process? What would you do with it then?

Positive Thinking Books Reveal Wealth Building Secrets used by Today’s Billionaires

Dr Robert Anthony

Dr Robert Anthony

(EMAILWIRE.COM, March 18, 2010 ) Beverly Hills, CA – Positive thinking books have been big sellers in major book stores and on the internet. Dr. Robert Anthony is the author of several best selling positive thinking books. Anthony spent over 30 years on a quest to unlock the secret of all secrets and reveal the missing puzzle piece to the “Think and Grow Rich” formula.

Dr. Anthony’s driving force has been to understand the deepest secrets of success, make them understandable, and thus ignite explosive results for others…Dr. Robert Anthony is considered by some of the most successful people on the planet to be their best-kept “undercover secret.”

Over the past 30 years, millions of people from all over the world have achieved success after attending Dr. Robert Anthony’s seminars, reading his books or listening to his tape and CD programs. Go beyond positive thinking…read Robert Anthony’s latest blog post at http://positivethinkingbooks.blogspot.com/2010/02/positive-thinking-booksrobert-anthony.html

Here is what some of Dr. Robert Anthony’s clients have said about his work:

“I have turned my life around from poverty – to this – doing $100 million dollar deals” – Joe Murphy

“… increased my income by 80% — Eric Reynolds”

“I’ve used Robert’s system to manifest abundance (in the realm of 7 figures)…” — Alex Neocleous

“As a result, I have become financially independent many times over and have helped many others do the same. ” — Hector La Marque

Dr. Robert Anthony is an undercover secret to some of the most successful people on the planet. He spent over 30 years unraveling the mysteries of the mind and he earned a Ph.D. in behavioral psychology. Robert Anthony has worked as a psychotherapist, NLP practitioner, master hypnotist and personal performance trainer.

Robert Anthony is the author of over 15 positive thinking books which have been published in 22 countries. Beyond Positive Thinking and The Ultimate Secrets of Total Self-Confidence have each sold over a million copies.
Learn more at http://www.thesecretofdeliberatecreation.com/

Contact:

Little e, Inc.
Kristen Howe
209 S. Doheny Dr. #7
Beverly Hills, CA 90211
Call: 310-598-5789
Email: Kristen@thesecretofdeliberatecreation.com

This pres release was submitted by Right Now Marketing Group, LLC

 

Contact Information:
Little e, Inc
Kristen Howe
Tel: 310-598-5789
Email us

Motivating yourself to accomplish more

Goal setting success 

Follow these recommendations to help you motivate yourself to reach your biggest goals.
(Newscom)

By Trent Hamm From The Christian Science Monitor

Every single one of us has some sort of big project hanging out there in our lives. We’d love to accomplish it, but it seems so big and the free space in our life seems so small.

Spend a moment and think about what your big goal is. It could be something as down-to-earth as a major home repair. It could be something as horizon-stretching as launching a new career or new business. It could be something completely crazy, like moving to Norway.

Whatever it is, keep that goal in mind as you read the eight tactics below. Ask yourself how you could actually apply each of these tactics towards your goal. By the end, you just might find that you’ve worked out a plan to take you from the mundane here to the amazing there.

Stop Thinking About Failure
What if I don’t succeed?

That’s often the big question that holds us back from taking big leaps in our life. We see something that would require a lot of work and energy and time and we can’t imagine the disappointment and pain if it didn’t work.

To that, I say who cares if it doesn’t work? If this is your dream, the process to get there should be filled with fun for you. Even if the destination isn’t what you dreamed of, the journey there will be fulfilling.

I want to be a fiction writer. In fifteen years of attempts, I have not successfully published a single piece of fiction. I keep writing, though. Why? Because it’s a lot of fun, regardless of whether I succeed or fail. In fact, I don’t even think about failure. It doesn’t matter. I write stuff I like and keep sending it out, at which point I’ve already succeeded. Anything else is just icing on the cake.

Keep Your Goal Within the Realm of Reality
Goals like quadrupling your salary in six months are going to backfire and demotivate you. No matter how good you are, they’re simply not going to happen.

One great way to make sure a goal is realistic is to ask yourself how much of the success of that goal relies solely on you. The more that relies solely on you and not on the actions of others, the more likely you’ll find success.

Another effective tool is to get your goal reviewed, but we’ll talk about that in a bit.

Take Small Bites Every Day
Every day that goes by, you should take some sort of action towards your goal. Take a walk for better health. Read a book for your education. Write 1,000 words a day (as Stephen King famously suggested for budding writers). Do something to stretch your skills or to learn more about the area where your goal is focused. Take an incremental step directly towards your goal.

The big advantage to doing this is that it keeps your goal always fresh in your mind while slowly reducing the size of the iceberg. You’re always moving in the right direction, bringing that mountain in the distance closer and closer and always keeping it in mind.

Find a Mentor
A mentor is someone who can offer you unbiased and worthwhile advice about your goal and your approaches to achieving it. A mentor can fulfill more of a coaching role, pushing you along through the specifics, or more of a guidance-based role, offering you general feedback on your goals and plans to get there.

How do you find a mentor? Seek out people who are successful in your area of interest, as well as people who are knowledgable about the area you’re trying to cover. Places to start might include your doctor, your social network, or your work environment.

Find Positive Support
Having people that you can discuss your progress with and who will support you in a positive way is essential for big goals. Good positive support fills you with confidence and helps you pick yourself back up after struggling with a particular goal.

This might not be your usual social network. Many people are often unhelpful when it comes to the positive support that others need. Do the people around you make you feel good about the things you want to do? If they don’t, it may be time to start seeking out more positive people to surround yourself with.

Remember, a good, valuable friend is one who makes you feel better about yourself and makes you feel ready to conquer the difficult things in life.

Shred Your Routine
When we have a highly established daily/weekly routine, it can often feel impossible to find room in that schedule for the things we dream of doing. Our routine feels natural and it enables us to keep up with the day-to-day ebb and flow of events.

If you want to find room for that goal, shake up your routine. Start doing some things before work instead of after work. Drop an activity or two that’s gone stale for you. Start taking a nap. Stop watching television or surfing the internet as much.

Shaking up your routine makes many things in your life feel new, and that’s a perfect time to start working every day towards a big goal in your life.

Share Your Goal Widely
Turn the people in your life into motivators by telling them about your goal. When you share your goals with the key people in your life, they become a source of motivation to get up and do something.

On one level, you’re personally motivated because you simply don’t want to show failure to the people in your life. On another level, they will often actually motivate you.

Know Your Motivation
Why are you working towards this goal? If it’s just something you want, it’s much easier to put it aside. It is much easier to convince yourself to make the hard choices if you’re making those hard choices for the benefit of others.

Learning something new because it fulfills you is an easy thing to put off. Learning something new because it brings value to others is much more urgent.

Keep that motivation front and center. Use visual reminders of your motivation. Put a picture of someone you really want to impress on the front of your refrigerator if you’re trying to diet, for example. Wrap your credit cards in a picture of your children. These external sources will motivate you to make the little choices that build the foundation of success.

Good luck!

——————————

http://www.csmonitor.com/Money/The-Simple-Dollar/2010/0318/Motivating-yourself-to-accomplish-more

The Christian Science Monitor has assembled a diverse group of the best economy-related bloggers out there. Our guest bloggers are not employed or directed by the Monitor and the views expressed are the bloggers’ own, as is responsibility for the content of their blogs. To contact us about a blogger, click here. To add or view a comment on a guest blog, please go to the blogger’s own site by clicking on the link above.

mental wealth now

Top Ten Financial Tips

financial planning

From Deborah Fowles, former About.com Guide

Keys to Financial Success

Although making resolutions to improve your financial situation is a good thing to do at any time of year, many people find it easier at the beginning of a new year. Regardless of when you begin, the basics remain the same. Here are my top ten keys to getting ahead financially.

1. Get Paid What You’re Worth and Spend Less Than You Earn

It sounds simplistic, but many people struggle with this first basic rule. Make sure you know what your job is worth in the marketplace, by conducting an evaluation of your skills, productivity, job tasks, contribution to the company, and the going rate, both inside and outside the company, for what you do. Being underpaid even a thousand dollars a year can have a significant cumulative effect over the course of your working life.

No matter how much or how little you’re paid, you’ll never get ahead if you spend more than you earn. Often it’s easier to spend less than it is to earn more, and a little cost-cutting effort in a number of areas can result in big savings. It doesn’t always have to involve making big sacrifices.

2. Stick to a Budget

One of my favorite subjects: budgeting. It’s not a four-letter word. How can you know where your money is going if you don’t budget? How can you set spending and saving goals if you don’t know where your money is going? You need a budget whether you make thousands or hundreds of thousands of dollars a year.

3. Pay Off Credit Card Debt

Credit card debt is the number one obstacle to getting ahead financially. Those little pieces of plastic are so easy to use, and it’s so easy to forget that it’s real money we’re dealing with when we whip them out to pay for a purchase, large or small. Despite our good resolves to pay the balance off quickly, the reality is that we often don’t, and end up paying far more for things than we would have paid if we had used cash.  

4. Contribute to a Retirement Plan

If your employer has a 401(k) plan and you don’t contribute to it, you’re walking away from one of the best deals out there. Ask your employer if they have a 401(k) plan (or similar plan), and sign up today. If you’re already contributing, try to increase your contribution. If your employer doesn’t offer a retirement plan, consider an IRA.

5. Have a Savings Plan

You’ve heard it before: Pay yourself first! If you wait until you’ve met all your other financial obligations before seeing what’s left over for saving, chances are you’ll never have a healthy savings account or investments. Resolve to set aside a minimum of 5% to 10% of your salary for savings BEFORE you start paying your bills. Better yet, have money automatically deducted from your paycheck and deposited into a separate account.

6. Invest!

If you’re contributing to a retirement plan and a savings account and you can still manage to put some money into other investments, all the better.

7. Maximize Your Employment Benefits

Employment benefits like a 401(k) plan, flexible spending accounts, medical and dental insurance, etc., are worth big bucks. Make sure you’re maximizing yours and taking advantage of the ones that can save you money by reducing taxes or out-of-pocket expenses.

8. Review Your Insurance Coverages

Too many people are talked into paying too much for life and disability insurance, whether it’s by adding these coverages to car loans, buying whole-life insurance policies when term-life makes more sense, or buying life insurance when you have no dependents. On the other hand, it’s important that you have enough insurance to protect your dependents and your income in the case of death or disability.

9. Update Your Will

70% of Americans don’t have a will. If you have dependents, no matter how little or how much you own, you need a will. If your situation isn’t too complicated you can even do your own with software like WillMaker from Nolo Press. Protect your loved ones. Write a will.

10. Keep Good Records

If you don’t keep good records, you’re probably not claiming all your allowable income tax deductions and credits. Set up a system now and use it all year. It’s much easier than scrambling to find everything at tax time, only to miss items that might have saved you money.

Reality Check

How are you doing on the top ten list? If you’re not doing at least six of the ten, resolve to make improvements. Choose one area at a time and set a goal for incorporating all ten into your lifestyle.

http://financialplan.about.com/cs/personalfinance/a/TopTenMoneyTips.htm

mental wealth now

10 Steps for Transforming Negative Thoughts into Positive Beliefs

theater masks positive and negative

“We can always choose to perceive things differently. You can focus on what’s wrong in your life or you can focus on what’s right.” – Marianne Williamson

Article written by Alex Blackwell. Connect with me on Facebook.
From TheBridgeMaker.com

We have the ability to create our own reality. For the most part, we can look at a situation and see the good or we can look at the same situation and choose to see the bad. Often times the lens we use to view what’s happening is filtered by our thoughts.

Positive thoughts create more positive circumstances. Alternatively, negative thoughts contribute to feelings of dissatisfaction and disappointment. Therefore, changing our negative thoughts is essential to achieve happiness and peace.

The following are the most common negative thinking behaviors. Becoming aware of these is essential to transforming negative thoughts into positive beliefs.

1. Stay away from “all-or-nothing” thinking.
When we slip into “all-or-nothing” thinking we see our circumstances as either black or white with not much in between. By shifting to someplace in the gray, a fresh perspective is created that helps us to realize more options do exist.

To lead an emotionally healthy life we need to have balanced emotions. Words like: always, never, impossible, terrible and perfect, are rigid and allow little room for interpretation or flexibility. Instead, when we live somewhere in the middle then we are in a better position to find sturdier footing which will lead to improved balance.

Look for the gray in these statements:

I can be an intelligent person and still do something stupid.
I can love my wife and still be angry with her sometimes.
There are parts of my life I enjoy and there are parts of my life that create stress.
My children bring me joy and they sometimes drive me crazy.

The most important word in each sentence is and. The word and suggests a balance; it paints a shade of gray in our lives.

2. Avoid the temptation to over generalize.
Overgeneralization is best characterized when we believe if one bad thing happens, then everything else is doomed to go poorly.

Think of over generalized statements as exaggerations. For example, “You never listen to me. He always interrupts me. She always thinks she’s right. Everybody thinks I’m stupid.”

The biggest overgeneralization red flags are words like never, always, should or everybody. Understand an over generalized statement is another form of a negative thought. Re-think your words and reconsider the circumstance. Attempt to find something positive.

For example, the over generalized statement of “You never listen to me.” Can be reframed to, “There have been times in the past when you were very attentive and I felt as though you heard me. At this moment, however, I’m experiencing you as not being interested in what I have to say.”

The second statement is more truthful and less exaggerated. As a result, a more positive outcome can be expected.

3. What you rather be right or happy?
I can be very stubborn. At times my stubbornness has cost me. It has caused me to miss the opportunity to accept an apology or consider a different point-of-view. I was more determined to be right than to be happy.

The need to be right cultivates more negative thoughts because of our unwillingness to let go of whatever the issue was in the first place. To find some peace and happiness, sometimes we just need to let it go.

4. Change your mental filter.
Persistent pessimism can develop into a habit if we are not careful. Left unattended, chronic negative thinking can begin to shape the way we see the world. The glass will always be half-empty, for example.

We can begin to change our mental filter by allowing positive thoughts to sift through it too. Try to see the good in every circumstance. A long line at the grocery store is a wonderful opportunity to chat with your partner or child; a stressful time at work will give you a better chance to realize the inner strength you possess; and the world’s current economy is a great time to get back to developing and maintaining a budget for your personal expenses.

The adage, “When God hands you lemons; make lemonade,” is the perfect reminder to be aware of the mental filter we use and the importance to transform it from a negative one to something more positive.

5. Watch your tendency for jumping to conclusions.
When confronted with what might appear to be an unwelcomed circumstance, consider taking a deep breath; a full step back, to look at the event at a more holistic level in order to get all of the information.

In my house, Mary Beth and I have an expression we use with our children: “What’s the rest of the story?” When they come home with a failing grade and begin to blame the teacher, we ask, “What’s the rest of the story?”

Often times we learn there was little effort put into studying or there was missing work that contributed to the poor grade. The point is we don’t take much at face value until we seek a better understanding of really what’s happening.

Even with more serious issues, my wife and I have find by falling back to this question provides us with a better opportunity to see the whole picture. This additional information is invaluable when it comes to how we react and respond.

By asking, “What’s the rest of the story,” we are in a better position to monitor our negative thoughts and keep them from trumping what is really going on. The clarity we gain empowers us to have a more rational and positive reaction.

6. Don’t should on yourself.
When we should on ourselves we are issuing negative judgments about our actions and behaviors.

Consider the following statements: “I should be a better parent; I should be making more money, and I should be happier.”

These should statements suggest our current status is not good enough. These thoughts are negative and prevent us from seeing what is positive. Should statements put our thoughts and attitudes in a box and constrain us from seeing other solutions. Remember, it’s a matter of balance.

We can be a good parent without having to be a perfect parent; we can provide for our families, financially, and still possess the desire to earn more; and we can be happy with all we have and continue to look for ways to bring more happiness into our lives.

7. Be aware of emotional reasoning.
Not many of us are like the character Spock from Star Trek who is consistently logical and rational no matter the circumstance. Even though we often have a rational response to a difficult event, we also have a tendency to slip into emotional reasoning when confronted with an especially challenging situation.

A good example of emotional reasoning goes something like, “I feel shame therefore I must be a bad person.” On the contrary, there are many very good people who feel shame – like all of us.

Just because we are experiencing a certain uncomfortable emotion doesn’t mean our character, our soul, has been downgraded. It just means for that moment, in that small space of time, we feel a certain way about ourselves.

When we allow ourselves to be human and give our spirit the grace and mercy it deserves, we are in a better position to reframe self-limiting thoughts and keep them from manifesting to the point they begin to define who we are.

8. Try not to take everything personally.
It may be hard to hear, but not everything is about you and not everything is about me, either. Fear, paranoia and perhaps a measure of insecurity can lead us to believe the way other people react, or the things they say, are directed to us. Sometimes people are insensitive, judgmental or just plain in a bad mood.

One of my biggest challenges is when a person makes a negative comment about one of my projects, is to keep my temptation in check and not internalize the comment. What I often hear is I’m not good or effective – not the project.

What I hear is also rooted in old, negative tapes playing my head. My task, then, is to replace these old tapes with newer, more positive ones that suggests I’m capable, well-meaning and successful regardless of what someone might say.

9. Dial back from magnifying a problem.
There is perception and then there is reality. Our negative thoughts start to churn when we confuse the two.

Seeing a situation for what it really is, instead of what it feels like can help us stay grounded. Magnifying a problem only gives the problem more energy and provides the opportunity for the situation to become larger than it was ever intended to be.

My wife and I have been challenged by some of the recent decisions our younger son has made. While Andrew is a moral and well-intentioned young man, like any 17-year-old, he has been making some questionable choices. Rather than assuming our son is heading down an irreversible path, our approach has been to increase our communication with him and offer a dose of empathy and support as well as some needed direction.

The results have been productive – especially for Andrew. Mary Beth and I elected to focus on the positive aspects of our son. We addressed the problem with the intensity it deserved and did not allow our anger or fear to guide us.

Not that we do everything right with our children (trust me, we have made plenty of mistakes), but in this situation we made the conscious decision to deal with the facts and not allow our negative thoughts or emotions to get in the way.

10. Celebrate.
Celebrate the good things when they happen. Don’t simply dismiss them or minimize them.

There is no question some days have a few setbacks, a couple of obstacles and sometimes pain. There are even some days when we feel as though someone has emptied our hearts of the passion and strength we need for life. So, on the days we are blessed and have positive things happen, no matter how small and insignificant they may seem, allow yourself the time to enjoy them and then be filled back up by them.

Like attracts like. Positive thoughts and happiness create more of the same.

http://www.thebridgemaker.com/10-steps-for-transforming-negative-thoughts-into-positive-beliefs/

mental wealth now

How to Fix Three Common Credit Mistakes

bad credit cleanup credit mistakes

Erica Sandberg – Wall Street Journal
Source(s) MoneyDesktop.com
Maybe you’ve made a credit mistake or two, but there’s no reason to freak out. Here are the three common problems people make, as well as what you need to do to solve them.

Problem No. 1: Opening too many credit accounts. Ah, this is a common one. You may have applied for credit randomly, causing your wallet to burst with plastic. It also resulted in the ability to charge and (temporarily) live far beyond your means. Without enough cash to pay for what you wanted, those open lines of credit probably made buying what you couldn’t afford too easy.
Solution: If you have any active lines of credit left, review them and decide on a couple that you want to keep. They should be accounts with the lowest interest rates and other favorable terms. Tuck the others away in a safe place, or if you feel you can’t control overspending, close them entirely. In the future, only apply for the credit you require and won’t abuse. The average person needs just a couple of accounts — a general purpose credit card that you can use anywhere, and perhaps a retail card at a store where you regularly shop.

Problem No. 2: Letting debt escalate. A $10,000 total liability is not unusual, but it’s a hefty sum for one person to repay quickly. You know this now, but while you were using the credit cards, you needed to have kept your eye on the ball (er, bill). Certainly you didn’t get to that figure overnight, and the moment you discovered it was getting out of control you should have stopped charging and focused on repaying the balance.
Solution: When you do use credit again, you’re going to have to make sure your debt never gets out of hand again. To do that, always check your balance before charging. If you know you’ll have enough money to pay for everything you charge in full without neglecting your essential expenses, great — go for it. If not, put the card away.

Problem No. 3: Reneging on your contract. If you have arranged a hardship program through a qualified credit counseling agency, your creditors will probably report you as delinquent, since you’re not making the originally agreed-upon minimum payments. On the other hand, if you are settling the debt by negotiating the balance with a debt settlement company, you will also see credit damage because you are paying less than the total owed. It will be notated on your credit report as “settled,” which is much less desirable than “paid in full.” Why such damage? You’re reneging on a contract. When you got the credit card, you promised to pay according to their terms. When you don’t, you get dinged.
Solution: If you are using a hardship plan, resume minimum payments again as soon as possible. In the event you’re with a debt settlement company, the accounts have likely gone into collections, so you may as well continue and get the financial break. The prescription for both of these scenarios is basically the same: Wait for notation to age — after seven years, the negative information will drop off the reports (and after a couple years it will become considerably less important) and start to use credit responsibly now. By charging regularly, and paying on time and in full, you’ll establish a positive credit history as you’re waiting for time to work its magic.

http://mentalwealthnow.com/