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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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Build Your Dream Team

3x3 Being Financial PartnersMaking a plan for a rainy day is always prudent. Some examples might be stashing some money in a savings account, looking toward your retirement or setting aside a three-month supply of food so that you are covered in case of an emergency. Just don’t go overboard, and sacrifice living to the fullest in your present life for an unforeseeable future.

I think of my friend’s grandmother finding an envelope labeled Hawaii trip in her husband’s safe deposit box after he died. They never left mainland soil in his lifetime. He had plenty of money in the envelope; they had the time; he just waited too long to take action. His financial fears kept both of them from sharing unique and fulfilling experiences together.

Have you shared your dreams, your goals or even your credit score with your partner? Maybe it is time to sit down and have a face-to-face conversation about what is important to both of you. Make the time to explore how to make those dreams happen. You want to know what triggers stress in each other and be aware of emotions can trigger extreme reactions.

As you become more aware of your emotions and what triggers your Money Nerve, you will be able to be more understanding of your partner’s Money Nerve. You want to have a conversation with the goal of improving financial communication and a better understanding of the person you love. You may still get annoyed and even upset by the reactions of others— but know you have each other’s back to deal with your situation.

Many times, sharing your financial journey and goals with others can help keep you on track. Keeping a budget together with a common focus becomes fun with a partner because you can “team up” with one another to track receipts, and build a stronger portfolio. When you join forces, you can now plan on how and where to spend your cash, set goals for fulfilling each other’s dreams and laying the groundwork for a better future.

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DON’T MAKE A 2016 RESOLUTION

3x3 No Resolutions-Positive ActionsForget those “pie in the sky” resolutions that are too ambitious to keep and are quickly forgotten as the holidays fade into the fullness of today’s activities.

Instead, make a lifestyle change with small daily habits to bring about the change you desire. Focus inward and face your deepest anxieties. What scares you the most when thinking about money? Losing your house? Not having enough money saved to send your children to college? Are you terrified that your old car will break down, and you will be late to work – again? You might lose your job without transportation.

Who knows? You might win the Lottery today & this flash of good luck would take care of everything! Good Luck with that! You have a better chance of flying to Mars before winning today’s big pot of money.

STOP! Write down your fears. Determine what you are most afraid of and prioritize your concerns. You can make small changes in your life to battle the fear. By writing down your concerns and defining what keeps you awake at night, you can now write down a small “to-do” list to conquer financial obstacles. You will find that nebulous, nagging fear that has been keeping your stomach tied up in knots will begin to shrink. Often, our fear of the FEAR can be debilitating, but as we define and face our nightmares, an amazing thing happens. The worry begins to dissipate; you gain confidence, and your emotions become easier to manage. By creating this focused daily mindset, instead of grandiose resolutions, you can achieve small, tiny victories, in a weekly or monthly fashion.

As your confidence builds, you can begin to target other goals in your life. You are creating a life of intention, making conscious choices each day, crafting the life that you dared to dream, day by day. And that my friends, is what I call #ProactiveAbundance!

What a wonderful gift to give to yourself!
Best Wishes & Happy New Year.
~Bob

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FIND YOUR PASSION, PURPOSE & POWER

3x3 Power PoseDo you always accept circumstances as they appear to be or do you question what comes your way? When taking everything at face value without asking questions and exploring a better or different option, many doors may remain shut. By opening yourself to others, investigating new ideas, finding new ways to tackle a challenge and visualizing a different perspective, you can make changes in the way you handle decisions.

If you want to make a change, but are not sure what the step is, here are some thoughtful solutions for beginning a new journey of personal assessment and growth.

 

How do you begin exploring personal and financial growth?
· What are your strengths?
· Is your internal view of yourself realistic?
· Do your values align with your goals?
· Are there mental/ emotional barriers that need overcoming to be successful?
· What do you need to take the next step?

Examine your story and ask questions. Does this story (well worn and comfortable) still fit your life? If not, how do you take stock of the past and re-frame that internal vision of yourself?

Reflect on these questions below to determine where you are:
Who are you?
What are your values?
What are you passions?
What is your purpose?

Have you ever browsed through old photos and marveled how people and places have changed so dramatically? Notice the changes in you over time and investigate ways to realign your passion and purpose to reach your goals. Life is about change and knowing who and where you are in life, assists you to move forward in a new direction.
Maybe you allow other people’s stories to define who you are, and it is time to take responsibility for you are. Embrace who you are, own your choices and begin to make proactive decisions and adjustments to reach your goals.

We all have different wants and needs. Some people have a strong desire to invest in their future. Others want to live exuberantly at the moment. We all have distinct levels of emotional tolerance toward our present situation. When we feel pain or guilt, are scared and ashamed of our actions, those negative emotions are a sign that change might be a powerful step into a more positive, meaningful future.

I want to share this video of Amy Cuddy speaking about change, on both an emotional and physical level. If you have ever felt inadequate or that you are a “fake” and it’s just a matter of time before “everyone” finds out, this clip may be life changing for you! In addition to mentally focusing on a new goal, Amy shares scientific evidence that simple changes in your body language can effect other people’s opinions about you and enhance your success! It certainly affected me, and I hope you will also find it valuable.

Video: Don’t Fake it ‘till you make it; Fake it until You Become it!