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Power Up for Positive Change

positive changePower Up for Positive Change!

Training Your Brain for a Successful Mental Shift

Each day, we are given a gift of time. You know that you have 24 hours in a day, so let’s break that down into minutes. There are 1,440 minutes each day to work, play, make a difference in your life and be the person you secretly want to be. You have ample time to power up for positive change!

In fact, it takes about the same amount of time to make an excuse for why you aren’t living the life you desire – as it does to make small positive actions that will become live-changing.

One of the best ways to begin making a mental shift is to quit fighting the old you; those emotionally charged childhood memories, unhealthy habits or self-sabotaging actions don’t serve you well. Divert your attention toward building the newer version of you; Begin to focus on WHERE you want to be and how you WANT to behave. Start right this minute.

Action changes things! Many times people find a new action creates a ripple in a different direction or portion of their life. Ride the energy toward positive change. You can train your mind to be more fit with daily decisions that will directly impact the result you want to achieve. Your goals will define your actions. Write down one goal to get started on the new you.

Here are three tools for creating a healthy mindset and mental attitude:

1) Be Grateful

Look for reasons to be grateful. Take time on a daily or weekly basis to write down why these events, people or experiences fulfilled you and made you thankful. The physical process of writing down your thoughts creates a real change in your brain.

2) Be Mindful

In essence, being mindful is to find or maintain a non-judgmental sense of attention to the present moment. Instead of becoming angry, emulating other’s negative energy or turning inward and focusing on emotions that can consume you, stop! Observe, be “in the moment” and explore all the details around you without relapsing into old habits or reliving emotional drama. When you dredge up old memories, the situation now becomes “all about you.”
Stephen Covey shared a moving story about a dad and his rowdy children on an NYC subway in his book, The Seven Habits of Highly Effective People. It is a fabulous insight into the effects of being mindful – which often results in a paradigm shift.

3) Fake it until you Become It

You can embark on a new adventure or career choice before you have achieved your vision of ultimate perfection. Don’t wait to lose ten pounds to attend a class reunion or feel you must have $500 in the bank before you look for a new job. Began to act the way you dream of being. As you make those subtle changes and actions each day, over time, you can become the person that you were dreaming of being. Just as Popeye boosted his power with spinach to be strong, you can power up for positive change and achieve your vision with intentional choices. Think about this famous Winston Churchill quote, “Continuous effort, not strength or intelligence, is the key to unlocking our potential.” Aim High! You might just make it!

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Give the Gift of Time

3x3-christmas-starsThis year, Give the Gift of Time!

Choosing to make conscious choices for your money and life may have implications for many aspects of your life. Consider giving the gift of time this year. Create a mental space to listen to your thoughts. Decide how to spend the last ten days of your holiday season, using your goals to give you focus.

Visualize your “perfect” holiday. Maybe it includes parties with friends, spending time with family, or taking the time to express your gratitude. December is such a hectic time of year. Many people feel overwhelmed by obligations presented by school, work, family, and friends. Invest your time in activities that bring you the most value.

Choose which activities you will spend your time on and know that you may miss some parties or invites. Setting boundaries for a successful holiday helps you maintain your sanity, increase your sense of gratefulness and keep your “spirits bright!”

Take that one step further and give the gift of time with those closest to you this month. Listen to your spouse, best friend or family members and notice what is important to them. Investing time with people who are special in your life strengthens your bond with them, creating more meaningful relationships.

When shopping, purchase one item and plan an experience to accompany the gift – instead of buying multiple gifts for everyone. Purchasing a new sweater? Plan a date night to enjoy the new outfit. Have a friend who loves to cook? Wrap up a kitchen gadget and sign up for a cooking class together. Give a gift of time to complete the gift in a box! Many people find that spending time with others reaps greater benefits in the journey of life.

Share some of the activities that your family or circle of friends love to do — and make the holidays extra special every year.

Happy Holiday!

Bob

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Become More Aware with Daily Journaling

Daily Journaling

Setting aside a few minutes for daily journaling each morning or at the end of the day creates a greater awareness of your actions, and what changes you would like to make. You may have noticed that you have an emotional response when dealing with your finances. As you define your “Money Nerve” and begin to see what makes you uncomfortable, quiet reflection each day provides you a powerful tool to become more proactive with your decisions.

This process of self-discovery is not easy. If it were, everyone would be debt free and have enough money in the bank to live comfortably. Facing your Money Nerve can be stressful and frightening. Let’s say at this point, you are fearful and not yet taking steps to make your life better. Are you willing to experience the fear and still push through it? Most people go toward change kicking and screaming. They may think there is less risk when they box themselves up and resist change. The environment around us is changing so quickly that adaptation is a necessity. Those who are willing to make changes by being honest and facing their emotions are the people who are moving toward success.

Taking an emotional inventory at the moment is the first step. This self-reflection helps you become aware of how you feel when you make financial decisions. If you are having difficulty figuring out how your Money Nerve affects your finances, use daily journaling to think back to moments during the day when you had to make a financial decision. Choosing to buy coffee for a friend or waiting to make a credit card payment may have triggered your Money Nerve. Ideally, you’ll start to note your emotions at the end of every day, as part of your mental mapping and reflection. Tips for starting a daily journal.

If it is hard for you to carve out time, try this strategy: When a client or friend is 15 minutes late or cancels their time with you, see that moment as “extra time” and use it to meditate or find a calm spot in your day. You can simply enjoy the quiet or jot down notes on how the day is going, and what you would like to see happen — by the end of the day. Are you making daily decisions based on fear or are you proactively forming decisions that can be accomplished with small conscious choices each day?

Be aware and make time to address the change you want to see in your life. Become responsible for your life, your finances, and your mental attitude. You are now making a choice to create change – now is a good time to purchase blank paper to reshape your life dreams with daily journaling! Want to learn more about easing your Money Nerve?  You can receive a monthly newsletter with helpful tips and motivational guidelines to find your financial freedom.

Time to sharpen your pencil!

Bob

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THE VALUE OF TIME

 

3x3 Value of Time

How do you value your time?

What does time mean to you? Do you give your time a value?

I am not just speaking about an hourly wage; I am talking about all the hours in your life. Life is full of activities, challenges, distractions, and obstacles every day. Many people feel they could use a “double” to get everything done. 

A 2008 Forbes article looks at this dilemma, “Time is the most valuable commodity. We never seem to have enough of it. Everyone is time-strapped, time-poor, time-starved. Choose your cliché. Most of us don’t make the most of our time. We wish we did. A self-help industry has flourished on the hope that even if we can’t make more time–the 24 hours in a day remain immutable–we can at least make the most of what we have. Even the most ardent makers of “to-do” lists fritter time away.

Which raises this question to fill an idle moment: Why don’t we value time as we do any other good or service? We could then decide what we do with ours in the most cost-effective way: rationally maximizing our “return on time invested” (ROTI), if you will.”  {Tools for allocating assets}

Ben Franklin said, “Time is Money.” Substitute the word INVESTING for MONEY. Using the word investing as you delegate time may help you to place a higher value on people and experiences. Investing in yourself could be additional education, job training or saving for the future. Investing in relationships could mean scheduling time for valuable activities with family, friends or loved ones. By equating a value to time – it can alter the perspective of your intentions. Being young can give one the sense that everything will last forever, and family and friends will always be there. As people age, many develop a keen sense of time as friends move away or they experience the loss of a cousin, uncle or parent. In retrospect, the personal relationships take on a greater value.

An interesting way to value time is to compare it to a bank account where each person is given 86,400 seconds (dollars) to use each day. Time spent on long-term goals and life-building relations will count more in life. The time lost each night in your account is renewed with a current balance of seconds and minutes to be used again. Consequently, living each day with its sense of promise and possibilities, demands each hour to be lived to the fullest, being “in the present.”

Make space to truly cherish and live – at any particular moment – this week! Celebrate your family, your Mom and those people who you have chosen into your circle of family and loved ones. That is time well spent!

Yesterday is history
Tomorrow is mystery
Today is a gift
That is why it’s called the present!!

-Bob

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CREATE SPACE FOR NEW BELIEFS

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We have all unconsciously downloaded misinformation into our brains. We now have to consciously begin identifying our early money programming memories based on our family, early childhood and how we were raised. It will take some work to identify and change those beliefs.

By finding and following The Money Nerve, you have already started the process of self-discovery. The more I’ve learned about myself, the more I’ve understood the impact that even the most seemingly insignificant events have had on my life and that probably rings true for you as well.

Before you start any journey, you need to know where you want to go (your goal), what you have to work with (your beliefs), and what new things you will bring (your new perspective).

It’s important to bring your story to consciousness so that you begin to take responsibility for where you are. This, in turn, helps you make clearer choices that will take you where you WANT to go—and allows you to realize your own power.

Explore some of your old habits and see if those actions are still serving you. If they hold you back, it is time to clean out any financial and emotional “trash” and move forward. Once you are aware of where you sabotage yourself financially, you can begin to change your automatic responses. Be more present and listen carefully to the words you are using. As you start to consciously hear yourself creating roadblocks, choose to intentionally reroute your mind toward the fresh course of action that you have set for yourself.

Start by setting aside time to think, reflect and write down your thoughts, present and future. Spending time by yourself gives you the ability to hear your own voice and discover your dreams. Einstein said, “Imagination is everything. It is the preview of life’s coming attractions.”

With a certain amount of quiet time, you start to listen with the ears behind your ears. You may hear voices saying, “Only special people do that,” “I don’t deserve it”— and the voices may not be your own. It will sound like you are saying it, but if you are like me, you might hear your parents telling you that you are not capable. Tell those voices to be quiet; you are busy. And then go back and pay attention to your own voice.

Are you ready to take action? If you hate your job, find your passion and work in that field. If you don’t have skills, take classes. If you hate being broke, start saving. If you are unhappy with your debt, make a plan to pay it down while curbing spending.

What is working for you and what isn’t? Are you ready to start creating your financial freedom even if the process is scary? Now you can begin to head in a new direction.

Invest in Value for Long Term Sustainability

The financial quick-fixers have a duct tape mentality, and contrary to popular belief, duct tape doesn’t fix everything. They may get immediate results, but are not actually dealing with the cause of their problem.

If you are overdrawn in your bank account, you might think you are doing right by using your credit card to bring your account back into balance. That is robbing Peter to pay Paul. The reality is that you are creating more debt for yourself and adding interest payments to what you owe already.

I joke that I wish I could “un-know” what I know. It is a lot more work when you start to take responsibility for your life. Imagine going to a seminar and hearing that there are eight steps you have to take in order to become a millionaire. Many people in the seminar will stop at four steps and say, “I’ve finished four steps, why don’t I have 500,000 dollars?”

We live in a volatile world. Instead of being a financial quick-fixer, take a longer view into the future and begin to make choices will create a healthy and abundant lifestyle over time.

  • Figure out where you are: Take a look at your spending habits and write down every purchase in a month.
  • Identify your priorities: How can you reallocate funds to support your priorities and provide additional value in your life?
  • Create a financial support system: Actively seek support utilizing professional advice, friends, financial tools, software and applications to set yourself up for success.

Once you learn to work with your list of financial goals and stop operating out of fear regarding money, you will see your efforts transfer to other aspects of your life. You may feel more financially confident once you have a clear vision of where you are and where you want to be.

Empowering yourself financially allows you to toss out old reactions and habits. You choose your actions! As you tap into your own power, you no longer wait for luck to happen or hope that you win the lottery—you actively take charge of your life. I call this positive lifestyle where the riches of life are inherent in your soul—proactive abundance!

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BENEFITS OF JOURNALING

JournalingThe process of journaling is not a new concept; in fact scholars have found evidence of people writing down their thoughts in 10th century Japan. You may define a journal as a listing of activities or maybe jotting down your secret dreams and desires in a diary.

Or you may find sketches and free form phrases work better than writing your “life story” each day. There is no right or wrong way to journal. By experimenting, you can discover the best avenue for expressing your inner thoughts.

I like to define daily entries in a journal as a mental mapping exercise.

By knowing where I am, I can easily target where I want to go. Visualizing is a major component in moving forward. Each day, I like to create a mental space to formulate my schedule for the next day and then spend some quiet time to listen to my thoughts. Thirty minutes would be ideal, but if you are just beginning, find 5 minutes just for you – in your busy, hectic life. It will make a difference.

Don’t overthink this process. You may just write down one thought or vent about one bad experience in your life. Some people keep a notepad handy to write in as during a coffee break. Or you may prefer to recap the day right before going to bed. If you love your mobile device, there are apps for journaling!

When you first begin to carve out small moments of quiet time, echoes of what others say about you may distract you. Or you may dwell on preconceived notions handed down by parents, friends or colleagues. Push those jaded voices aside and pay attention to your thoughts, your dreams, your values and your goals. This focused contemplation will allow you to visualize a new dialogue with yourself, new possibilities and a fresh approach to old patterns.

Journaling or “mental mapping” gives you the power to visualize change and become the image you see in your mind. Flipping dreams into reality comes from a deep and secure awareness of who you are and, how you feel about life. That knowledge allows you to make choices based on clear and conscious intentions.

When you write down your feelings, you take them out of your heart and place them on paper. Once the words are in black and white, you can process and understand your feelings from a less biased perspective. Many people find balance in their lives by writing or sketching daily.

Hopefully, you will find (as many others have discovered) that spending a few minutes a day with yourself and documenting your thoughts can have a profound impact for good!

Have an intentional week!

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