Do you want to fail or do you want to succeed? – Post 419

Do you want to fail or do you want to succeed? In this podcast we are going to talk about defining your dreams. Until you know why the how doesn’t matter.

 

Until you know why you’re doing ANYTHING, the how doesn’t matter. You have to take the time to ask, Why do I want to become debt free? What can I do or become if I’m debt free? What do I want to accomplish in life? You have to decide.

You’ve got this!

Now is the best time to start taking control of your money! I’ll be covering many topics to teach and encourage saving and debt freedom. Be sure to subscribe to this blog at ProsperityRx.com to learn how to save money, make a budget, pay off your debt, reduce your taxes and invest for your future.

And if you found value in the information that I’m providing please like and share this with others.

Also if you want to learn more about how to create extra income by starting a home business that requires no startup capital, no pyramid that requires a monthly auto shipment that cost you money every month instead of creating money, and no selling of lotions, or potions or pills, or quick magic diet aids that melt away inches in minutes or other such scam promotions visit http://AIMHighForSuccess.com.

10 Budgeting Myths and Setting Goals – Post 411

anchorEpisode 4 – 10 Budgeting Myths and Setting Goals

On our last post we looked at the group of excuses called “Family Comes First Excuses.” I encourage you if you haven’t listened yet to go back and do so.

Today let’s look at the “I’ll Do It Later (I Promise) Excuses.” Some of the most common attitudes toward getting out of debt that procrastinators think is

  1. We’ll pay it off when the tax return comes in.
  2. I’ll start my budget next month.
  3. I’ll worry about the future when it gets here.

We’ve all procrastinated when it comes to getting our financial house in order. The key to do it successfully is by creating a budget. However you’ve probably heard a lot of trash talk about budgeting over the years. Or maybe you tried budgeting in the past and didn’t stick with it each month. But don’t judge budgeting until you hear me out!

Having a budget is essential to helping you beat debt and win with money. It’s the map you need follow to get where you want to go in your journey. First I want to debunk some of the top budgeting myths so you can start winning with money. Then I want to show you how setting some goals can get you the motivation to overcome procrastination.

Let’s start with 10 Budgeting Myths You Might Be Falling For

1. I don’t have time to budget.

If you’re not doing a budget because you don’t think you have the time, consider taking a fresh look at your priorities. You might be surprised at how many “things” you could let go of in order to get your finances back in shape. You know, those things that really aren’t as important as taking control of your money.

It’s true that you might spend a few hours a month mapping out your expenses when you first start budgeting. But after those first few months, it’s pretty much smooth sailing! You’re simply plugging in numbers and letting math do the rest.

The Budgeting Myth is Making a budget is difficult and I hate math.

Speaking of math, this isn’t rocket science. If you can do basic third-grade math, you can make a budget. Your income minus your outgo needs to equal zero. That’s it!

Seriously, hating math is a pretty lame excuse. Instead of hating math, why not hate being in debt? Don’t stay away from the budget because “math is too hard?” It’s not. There is a free budgeting app EveryDollar from the Lampo Group that you can get from the app store on your smart phone that does the math for you!

The third Budgeting Myth Budgeting is boring.

You’d be amazed at how many people don’t make a budget every month because they think it’s boring. You know what else is boring? Credit card statements. And collector calls. And bankruptcy court . . . actually, all of that is pretty awful.

If you’re a free spirit when it comes to budgeting, stop and take a breath. You can do this! Once you get the hang of it, making a budget isn’t bad at all. And as time goes by, you might even find it a little fun. Imagine that! Get your spreadsheet-loving, planner of a spouse or friend to help give you that extra push.

Budgeting is key to helping you get out of debt. And being debt-free? Now that’s fun.

The fourth Budgeting Myth I can do a budget in my head.

If you can seriously do a zero-based budget in your head every single month, we’ll assume you’re the most brilliant person on the planet. Could you please help our government make a budget?

A budget in your head isn’t a budget. It’s just a kinda-sorta-vague-idea-of-what’s-being-spent thing. For a budget to work, it needs to be something you can track. And if you’re married and doing a budget in your head, that means only one of you is involved in the decision making—and that’s a definite no-no! You need to be working together.

The fifth Budgeting Myth I budget by keeping track of everything I spend.

That’s a start, but it’s not a budget. When you only track spending, you’re always looking at the past and never looking forward.

Your budget is your game plan for the upcoming month. You’re planning what you’ll do with the money you haven’t spent yet. When you keep receipts or use your online bank statements to see what you spent last month, you’re doing just that—looking at last month.

You need to plan for your future spending while looking at your past spending, not just one or the other. If you’re already tracking your spending, the budget is just a natural next step.

Number 6. A budget is too restrictive.

You don’t want to give up your Saturday morning coffee and bagel at the corner café, we get it. Don’t worry! You can keep your weekly caffeine and bagel combo, just put it in the budget.

What does that mean? When you create your monthly budget, be sure to include things you enjoy. Budget for that weekend treat, Friday night takeout, or trip to the movies. Having a budget doesn’t mean you can’t have fun anymore. Believe it or not, a budget actually gives you the freedom, the permission to spend your money!

Number 7. There are always unexpected expenses, so why bother to budget?

Sure, things can come up unexpectedly. But that doesn’t mean your budget has to suffer because of it! In our experience, things aren’t always as “unexpected” as they seem. You know your friend’s baby shower is coming up next month, you know when your car registration is due, and you know Christmas is in December every year. Be sure to plan for those type of things in your budget.

And if you find you really, truly keep having unexpected costs to cover, add a “miscellaneous” category in your budget. Use it as the catch all you can dip into when something unexpected arises. Just remember not to abuse it.

8. Budgeting means I can’t go out to eat anymore. I hate cooking!

You hate cooking? Join the club! First of all, the rumors are true. You can actually eat at home without having to cook. Keep a rotation of PB&J, soup, tuna and salad on hand, and you’ll be set! But really, it’s worth it to learn how to cook a few good meals. Pro tip: The slow cooker is your friend.

Having a budget doesn’t mean you never set foot in a restaurant again. You just have to budget for it. Add a date night or girls’ night out line item to your budget. Add a column for Chipotle, Chick-Fil-A and everything in between if you want to. The point is, just make sure you have room for it in the budget before you spend any money there.

9. It’s not the right time for me.

Is it ever going to be the right and most optimal time? Not really. Something will always come up. That’s life.

Are you putting off starting a budget just because you have a birthday or anniversary coming up? Don’t let that be your excuse! If anything, you need a budget now more than ever.

A budget helps you figure out how much you want to spend on the gifts and festivities. Sure, every month will look different, but here’s the great thing: You know the date of those holidays, birthdays and anniversaries. They don’t ever change! Put them in your budget months in advance so you can start saving.

10. I make plenty of money . . . I don’t need a budget.

If you think doing a budget is only for people who have trouble making ends meet, think again. We’ve been making a budget every month since he we started nearly 20 years ago. It doesn’t matter if you have $100 to your name or if you’re a millionaire—you need to tell your money where to go. Everyone needs a budget!

I hate that so many people fall for these budgeting myths and excuses, but you don’t have to be one of them! You have the power to take control of your money, all you need to do is take the first step.

If you need some extra motivation, try setting a financial goal. Think about something you’ve always wanted to do. Go on, let yourself daydream a little. Is it skydiving? Going back to school? Starting your own business? Backpacking across Europe with your best friend? Getting a dog?

Whatever it is, now is the time to end all procrastination. Too many people waste their time thinking about something they want to do, but very few people actually do it. Don’t let yourself become another sad statistic of someone not being motivated enough to pursue their goal.

Excuses Are Enemies

Think about what’s stopping you from chasing your dream. Is it fear? Are you afraid you’ll take a chance and fail?

Maybe it’s money. Are you so worried about money that you let it push your dreams to the side?

A lot of people use time as an excuse. We’re all busy, and it’s no secret that Americans are getting even busier and have problems saying no.

But you can’t let any of the excuses put a halt on your goals. If you want something bad enough, you will make the time to turn your dreams into realities. Figure out what’s stopping you from pursuing your goal, and determine a way to get around that.

Here are five steps to take your aspiration from a pipe dream to a page in your personal history book.

  1. Create a plan.

Remember what stopped you from pursuing your goal until now? Well, come up with a plan to not let that reason stop you anymore. Whatever the issue, having a plan in place will give you the confidence boost you need to actually make this happen!

  1. Do your research.

Get advice from others who have done what you want to do. Learn from their mistakes. Read books from and about them. Having lots of information before you head into something is always a great way to be prepared.

  1. Be realistic.

Some people have a dream of traveling across the globe in a year or hiking to the top of Kilimanjaro. Although it’s great to have goals, you need to make sure your dreams are doable for you within the time frame you have set. You should still challenge yourself and not make your goals so easy that there’s no motivation or sacrifice involved.

  1. Cover the financial aspect.
    Of course we’re going to tell you to do a budget! Dreams can cost money. Whether it’s $300 for a flight lesson or $5,000 for an Italian getaway, money is a crucial factor. Write up a plan for your moneyto make sure you have what you need to chase your goal.

Need to generate extra cash to reach your goal sooner? I can show you the method that I used to generate more income to pay cash for a used Cadillac CTS when we needed to get a better car. We did it by starting a home based business. I can show you how to start your own business with no up-front investment, no pyramid that requires a monthly auto shipment costing you money instead of creating money, and no selling of lotions, or potions or pills, or quick magic diet aids that melt away inches in minutes or other such scam promotions. Stay tuned to the end and I will share with you how to learn more.

5. Take a chance and go for it!

This step can be the hardest one to do because fears are holding you back. But if you’ve followed the previous four steps, you’re ready! Now it’s time to make it happen. Don’t talk yourself out of this dream. Life involves risks, but when you’ve planned ahead, those risks are a little less scary to take.

Once you’ve mastered these five steps, you will soon be marking off your dream from your bucket list. Perhaps it will even inspire you to dream up more goals for yourself! Conquer whatever it is that’s stopping you and achieve new results.

Now is the best time to start taking control of your money! I’ll be covering many topics to teach and encourage saving and debt freedom. Be sure to subscribe to my blog at ProsperityRx.com or to my podcast ProsperityRx to learn how to save money, make a budget, pay off your debt, reduce your taxes and invest for your future.

Also if you want to learn more about how to create extra income by starting a home business that requires no startup capital, no pyramid that requires a monthly auto shipment that cost you money every month instead of creating money, and no selling of lotions, or potions or pills, or quick magic diet aids that melt away inches in minutes or other such scam promotions visit http://AIMHighForSuccess.com. Start Today!

Seek Clarity – Post 407

Most of us have the desire to either improve or we have a need or challenge in one or more areas in our life. My goal for this blog going forward is to bring valuable information on topics such as time management, money, faith or belief, developing new skills and habits, leadership development, health and wellness, and building better relationships.

Successful people are always the first to act on their desire to continually grow in all areas of their life. So on this blog I’ll be covering topics such as High Performance Habits by Brendon Burchard; Goal building, journaling, and time management skills from Jim Rohn; How to achieve Financial Peace by Dave Ramsey; and many, many more topics from folks like Robert Kiyosaki, John Maxwell, Bob Beaudine, Anthony Robbins, Napoleon Hill and many others.

My goal is to empower you to grow and continually transform yourself through personal development. My invitation is for you to get on this personal development road with me and the invitation is extended to everyone, but, few will join me.

Today we will be discussing Seeking Clarity.

Brendon Burchard in his book “High Performance Habits” says that one of the first habits to reach a higher level of performance personally and professionally is to Seek Clarity. To seek clarity on who you want to be, how you want to interact with others, what YOU want, and what will bring you the greatest meaning.

I invite you to take a sneak peek at what is possible when you seek clarity. I want you to think about those rare questions that most people simply don’t ask themselves. What kind of person do I want to be? What are my intentions and objectives? What if I decide to set and reach higher goals? What if I decide to go for my dreams? What if I can change certain unpleasant things about myself? What if I can significantly make a difference in the lives of others? What can I focus on that will bring me a sense of connection and fulfillment?

It’s from these questions that a new life begins to evolve. Satisfaction in life doesn’t come from focusing on what is automatic, easy or natural for us. It is the result of how we strive consciously to meet life’s harder challenges, to grow beyond our comforts and to deliberately understand, love, serve and lead others.

Personal Development opens up a whole new world of potential and possibilities. I believe the first step in personal development is to find clarity in your life so you can develop a roadmap on how to get from here, where you are today, to where you want to be.

I’ve been a pharmacist now for many years and I have been successful at it and I have a lot to be grateful for. I’ve put my kids through private school, I’ve built my dream home, and we’ve taken nice vacations over the years. It’s just that something inside just doesn’t feel right. I have this sense of frustration and a restlessness that even though life has been good there is something more out there. That I haven’t really found my “thing.” When the lights go out, after all these years of pushing hard in pharmacy my internal chatter starts scratching at my reality and I am sure that many of you have asked yourselves these same or similar questions.

Is all of the complexity I’ve created in my life even worth it?

Is this new direction I want to pursue the right direction for my family and me at this stage of our lives?

Things are good, so if I try something new will everyone think I’m crazy? Am I just being stupid or ungrateful?

I’m stretched pretty thin. Can I really give any more right now?

Am I really good enough to play at the next level?

Why am I starting to feel so distracted?

Why do my relationships feel sort of blah?

I’ve had so much success in my life why am I not more confident at this point in my life?

When these questions go unanswered for too long, an unraveing begins. Day-to-day motivation wanes. You begin felling restrained or unfulfilled. Your passion isn’t at the level it used to be but at least everyone at home and at work is fairly happy.

Ultimately the dissatisfaction spreads into relationships at home or work and others begin to notice. The stress of disappointment imparts a hard edge that loved ones begin to feel. Contribution at work falls off. Calls don’t get returned. Excitement, joy, and confidence are gone and with them goes performance.

I have some questions for you to reflect on.

Are you ready, really ready? Are you tired of being where you are and excited to get where you want to be?

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Will you make the commitment to read? Thin about one great book you have read and the changes it brought about in your life. Now imagine what this next year is going to do for you!

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If personal development is whole life, then which are of your life is in the best shape? Which is the worst? Take some time to think through where you are so you can evaluate where you stand and how you are going to grow in the next year.

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How disciplined are you? Is it something you struggle with, or is it a strength?

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Which are you more focused on: Intake (learning, gathering information) or output (doing, taking action)? We all have a bias, so to speak. The answer to this will determine how you need to make adjustments over the coming year.

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ACTION POINTS:

Any or all of these are great ideas to get you moving toward your goal.

  1. Write down three great books you have read and three great books you want to read. Now, buy one – or pull it off the shelf and start. We recommend Jim’s The Five Major Pieces to the Life Puzzle, his The Seasons of Life, and Napoleon Hill’s book, Think and Grow Rich. If you have already read these books or just have something else in mind, that’s fine. Just start the process of reading daily. We recommend reading the Bible or a book that will spiritually enhance your life in the morning and reading what is on your recommended reading list at night.
  2. Take at least one tangible action to make yourself stronger in the following area that you are weakest in: Physical, Spiritual or Mental. For example, if you are weakest in the physical area, then walk a mile three times this week.
  3. Take an area you lack discipline in and set up a pattern for yourself to follow this week and then do it!
  4. Celebrate the fact that you have accepted the invitation to go on the journey of self-growth and personal development. Regardless of the challenges you may be facing, today is a new day, the beginning of infinite possibilities. As Jim said, “You cannot change your destination overnight, but you can change your direction.” Congratulations on taking that step.

Building Relationships – Post 328

Each day I try to start out the day by reading different motivational or inspiration pieces. In today’s reading I came across a short post by Joel Osteen called “Work on Your Dreams.” I found it fit quite nicely with a lot of the things I have been posting for the past year or so and I have included his post below for you to enjoy as well.

I have spent a lot of time in the past couple of years on self development, goal setting, and developing an attitude of prosperity and gratitude instead of an attitude of constraint and servitude. For too many years I have worked 70 to 80 hours per week building other peoples dreams. Yes I have nice things as a result of all that work and thought I was working on my dreams. However, what I discovered in the Master Key Master Mind program was that in reality, autonomy and liberty is what I was truly seeking. Long hours working for others would never get me there. The only way to achieve what I really wanted would be to surround myself with others working toward similar goals. To develop my own mastermind group.

Joel mentions that “you want to be around dream-builders, not dream-crashers” and that you should “prune the relationships around you” that weren’t leading you in the right direction. Likewise I have heard many times on this journey of self discovery and self development that your income is an average of the 5 or 10 people that are closest to you in your circle so if you want ot change your income you must change your circle of friends. The problem I had wasn’t that I had the wrong circle of friends. My problem was that I had spent so much time chasing the income I had lost all contact with my circle.

So how do I recreate those relationships?

I recently spent some time with Tom Chenault. Tom has mastered the skill of networking with people and developing relationships and he shared how he develops those relationships. He looks for ways to reach out to people and connect with them so he can learn what he can do for them not what they can do for him.

Over the years he has mastered the art of relationship building by perfecting what he calls “The Coffee Shop Interview.” He never talks about himself, the entire conversation is focused on them. His goal is to learn what it is that makes them tick. What motivates them and what pops their eyes open at 2 am. The entire premise of the coffee shop interview is to, as he fondly says, “be interested not interesting.”

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TODAY’S SCRIPTURE

TODAY’S WORD from Joel and Victoria
Surround yourself with the right people and you can fulfill the dreams God gives you. Put yourself in relationships with people who are not only like-minded, but are also seeking to honor God in their own lives. Here is a thought to consider today: if your friends don’t point you toward God’s goal for you, then they’re not very good friends. You want to be around dream-builders, not dream-crashers!

When you prune the relationships around you, you’re not cutting things out of your life; you’re making room for growth so that you can reach your God-given potential! When you make room for God’s best, you can walk away from the lesser things that the world has to offer.

A PRAYER FOR TODAY
God, I know You have my best in mind and in Your plans. Thank You for placing a dream in my heart and for giving me people to help lead me towards that dream. I pray that my relationships will honor You. In Jesus’ Name. Amen.
— Joel & Victoria Osteen

“ ‘For I know the plans I have for you,’ says the LORD. ‘They are plans for good and not for disaster, to give you a future and a hope.’ ”
(Jeremiah 29:11, NLT)

Want to be a winner – Post 276

We hear all the time to set goals and then you will have success. In fact the “goal setting” gurus always like to quote a Harvard study that showed that people that set goals had a much higher success rate than those that did not. The fact is, the study never took place.

Think about it. Every “New Year” we set all kinds of goals and how many do we keep?

Almost none of them.

Success actually comes from having a very specific purpose in life. Something that is so big and so specific that we will stop at nothing until we achieved it. That happened to me way back when I decided to go back to college after many years in the work world. To completely abandon everything that I was or had been doing. I had only one purpose in my life at that time and it was to graduate with that degree and become a pharmacist so I could provide for my family.

So success is all in the mindset. Quincy Jones once said “If somebody can discourage you from your dream, then you should be.”

The strange thing is I have had a much more difficult time finding that focus now. So many life obstacles have happened in recent years that getting in the right “mindset” is much more difficult. Mark Januszewski said if you “Want to be a w-inner?  We’ve got to work on the Inner….we do that, the “w” shows up.” Here is a great video from Mark J #worldslaziestnetworker on becoming a winner.

As the late Jim Rohn always said, “REMEMBER THE SAME WIND BLOWS ON ALL OF US ITS THE SET OF YOUR SAIL THAT DECIDES YOUR COURSE!!” Set your sail for success in network marketing today by learning the skills for success. If you would like some personal help on this and any other aspects of network marketing then subscribe to my blog and be sure to check out some of my past posts. Also if you find value in my posts please share them with your team.

Keith Abell, RPh

http://AIMHighForSuccess.com

PS: Like I mentioned I have been having difficulties myself lately with keeping the right mindset. I am about to embark on a 6 month Master Key Master Mind Alliance #mkmma training program. Be sure to subscribe to this blog. I will post my thoughts and feelings as I go along. Hopefully my journey can help you as well.

What’s Bigger, Your Dreams Or Your Excuses – Post 222

Which is bigger, your dream or your excuses. I know in my own Network Marketing career I certainly have let the excuses win out. It is so important to figure our what your “Really Big Why” is. That one thing that will overcome all the excuses that you play inside your head.

Just wanted to share with you a a great, short blog post by Eric Worre on this subject.

If you enjoy my posts be sure to subscribe to my blog so you keep up with all my posts as they come out.