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Time to Change

3x3 Caught in the cycle
You may have heard of Napoleon Hill’s book Think & Grow Rich. This book, published in 1937, is one of the most popular success books ever written. Hill’s story is a rollercoaster ride of great success and numerous failures – each faced with persistence and a positive mind-set. Hill’s words have inspired millions to find themselves, believe in themselves and live the lives they never thought possible.

Hill’s top three lessons for a successful life:

Lesson 1: Definiteness of Purpose
Definiteness of purpose is the starting point of all achievement. Without a purpose and a plan, people drift aimlessly through life. Today we call that mental mapping and setting our GPS for life goals and a financial destination.

Lesson 2: Mastermind Alliance
The Mastermind principle consists of an alliance of two or more minds working in perfect harmony for the attainment of a common definite objective. Success does not come without the cooperation of others. Finding others who are striving to live a positive lifestyle can help you reach a more successful outcome.

Lesson 3: Applied Faith
Faith is a state of mind through which your aims, desires, plans and purposes may be translated into their physical or financial equivalent. Setting positive intentions for what is most important in life creates the opportunity to seize the abundance of life – when you are open and receptive to opportunity.

The phrase, “Today is the first day of the rest of your life,” takes on a deeper meaning when you use each new day to initiate action for personal growth. Changing your attitude, your beliefs in yourself and focusing on life goals can truly transform your life!

Start today by changing one small habit that would make your life better. Commit to this one new change for 30 days. Maybe you’ll decide to take your lunch to work one day a week and set that day’s lunch money aside for a weekend vacation or a savings account. Little steps can lead to a defined goal. Be accountable to yourself and use notes or your phone to track your efforts. Being successful with a few smaller goals may inspire you to tackle some larger goals and deadlines.

Here’s Napoleon Hill sharing the “master keys” of his life-changing concept . . . if you are ready!

YouTube: https://www.youtube.com/watch?v=XvK4RiiJV3w

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Visualize Abundance

Visualize success. Professor of Psychology Dr. Robert Rosenthal has studied the effect of self-fulfilling prophecies for more than 50 years, researching nonverbal responses between people, studying behaviors that change based on how teachers view students, and documenting lab animals rising to researcher’s expectations.

His findings? An encouraging attitude can cause people to rise up to another person’s higher level of expectation.

Let’s apply that on a personal level. How often do we create negative expectations in our mind – then when things go exactly as we feared, we feel validated that we were right? For example, imagine you are walking along a sidewalk and a group of teenage boys approaches you. The four young men are laughing and talking, but you feel they will ignore you and force you to step off the sidewalk as they pass by. And they probably will – based on your expectation and body cues. On the other hand, you may decide to greet them and smile, expecting they will shift to one side of the sidewalk, and again, you are right – it’s a friendly encounter as you pass by.

If visualizing a scenario in advance can become a self-fulfilling prophecy, let’s start using positive visualization to make our lives more abundant each and every day!

Buddha stated more than 2500 years ago: “We are what we think. All that we are arises with our thoughts. With our thoughts we make the world.”

Set your intentions and visualize your future by writing down and verbalizing daily affirmations like, “I deserve the abundance in life,” or “Today I will be open to new possibilities and take action.” By creating a state of spiritual abundance, you open yourself up to the generous flow of life and embrace all possibilities that come your way.

https://www.youtube.com/watch?v=cRMogDrHnMQ

Let go of past mistakes or bad habits and visualize your goals. Now you can move forward, making conscious choices that result in positive actions. Believe in yourself.  This fresh approach to making decisions will benefit your financial choices as well. Your goal is set and daily consistent actions will result in better money management with a higher level of financial peace.

Stay Mindful!

Bob

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LIVE AN ABUNDANT LIFE

Living an abundant life is about making thoughtful choices to increase the inner wealth of everyday living. It is a life based on a positive attitude, being aware of the abundance in the world and making decisions based on the best long-term outcomes.

To begin the journey toward financial freedom, set your goals with a strong focus on empowering your life.

Keeping your focus on these life-goals will assist you in creating a healthy relationship with your money. Being rich is not a destination!

One of the ways to see the abundance in your life is to be present and mindful of what is going on around you. Studies have shown that you can change your life for the better with one simple new habit: begin a daily journal to write down what you notice, what makes you happy, what you are grateful for, and where you see yourself tomorrow.

In fact, a research study at Duke University studied whether the power of writing – and then rewriting – your personal story can lead to behavioral changes and improve happiness.

The concept is based on the idea that we all have a personal narrative that shapes our view of the world and ourselves. But sometimes our inner voice doesn’t get it completely right. Some researchers believe that by writing and then editing our own stories, we can change our perceptions of ourselves and identify obstacles that stand in the way of better health. ~ New York Times: http://well.blogs.nytimes.com/2015/01/19/writing-your-way-to-happiness/?_r=0

Your life journey may be comprised of six, eight, or ten stages, with many steps in between – and the possibilities are not always visible. People sometimes make judgments based on a snapshot of life (their own or someone else’s) without taking into consideration past history or potential for the future.

Finances and money decisions will always be a part of your life. It is part of the journey, with multiple paths and a constantly evolving landscape. It is not realistic to think you can learn a new financial skill one time and then be done with those pesky decisions. Rehashing old mistakes, letting emotional baggage dictate your actions or feeling financially lost are all the symptoms of a pinched money nerve.

Visualize the things that truly matter. This will be the basis for your financial decisions. Your goals will now predetermine how YOU will manage your money, creating financial freedom!

Begin your walk toward proactive abundance today. – Bob

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FACE YOUR FEAR

3x3TMN Head In SandI know many people who are afraid their entire financial life is going to fall apart at any minute. Sometimes, their fear does not correlate to their financial reality. It is an irrational emotion, based on what their family taught them or based on the unpredictable economic world we live in today.

I have friends who make high incomes; they have stunning homes, numerous cars, and staff who make their lives easier. Some of them have built their lifestyle through speculation and grand impulsive decisions. With all the material symbols of “success,” you would think they live a charmed and worry-free life! Yet, that is not always the case. Often there is a constant worry that the next project may not make it. Their mindset is, “We’re going to end up on the streets. We’re not going to make it” They are unable to enjoy their financial goodness and they live in fear.

Until recent years, America’s younger generation never feared they might lose everything. They have grown up in an era of abundance with no concept of scarcity. The media tells everyone that we all deserve nice homes, plenty of name-brand clothes, and the ability to buy almost anything we want at the store. Sometimes reality can be scary. When people see their friends losing jobs and realize that minimum wage can’t provide the lifestyle they grew up with, or see colleagues losing their houses, they start to live in fear themselves.

In the current economic reality, many people I interact with on a daily basis are afraid of losing everything they have worked for. Financial fear can make you stop in your tracks. Not taking a look at your account balances, not making any decisions, ignoring your family, and disregarding sound financial advice are a few examples of how people start to freeze up.

Don’t stick your head in the sand! Turn your fear around:

  • Take personal inventory. Knowing where you are makes it easier to plan your “next step” for the future.
  • Make your choices when you are at your best. Don’t go grocery shopping when you are hungry.
  • Face your fears. Write them down and explore ten new ways to find a solution. Circle one solution and begin to work on that.

Have any questions? Let me know via Facebook or Twitter and I will answer you. I bet many other people have the same question, too!

Let me know your thoughts – Bob

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WHAT’S IN IT FOR ME?

Most people are familiar with the phrase, “What’s in it for me?” And many may think it is the cry of a selfish or immature person. This phrase can be a valuable stepping-stone to determine where you stand financially, and an effective process to review your goals! Cost-benefit analysis weighs the total expected costs against the total expected benefits of your actions, in order to choose the most beneficial option.

Many people think of cost benefit analysis as something large corporations do annually for their board and stockholders. It is also a great tool for you to weigh your personal financial choices. It is important to take out the emotional responses and express all benefits and costs in monetary terms.

There are some people who regularly deny themselves life’s pleasures; typically they come from a generation that has experienced hardship. Saving is very important, but taken to an extreme, even saving can be harmful. An extreme saver risks losing the joy of living today by planning for a future that never comes.

Current American culture, on the other hand, teaches that all desires can be met with a credit card. We live for the moment. Not only do we neglect to think about the future, but we also sacrifice future stability for instant gratification. It is important to find a balance between saving and spending.

***Spoiler Alert*** You are going to have to budget to see this in action!

For example, you may say, “I really need a vacation in Hawaii. It’s going to help me relax and feel less stressed.” If you charge a package trip to Hawaii now, are you willing to give up some weekly luxuries and put 200 dollars monthly toward the credit card until it’s paid off?

If you can commit to that plan, take the vacation and keep your promise to yourself! Since there are no physical reminders to make the payments, you need to be disciplined enough to follow through with your budgeting choices.

Now you’ve made a conscientious choice. Either way – Hawaii or a “stay-cation” – you set your parameters ahead of time and empowered yourself financially. When you tap into your own financial power, you no longer wait for a lucky break or hope that you win the lottery – you are actively taking charge of your life. What a great way to end the day!

Bob