The Shocking Truth About Your Future! | Robert Kiyosaki

Creativity - Do You Use It?

Many of my clients over the years have expressed concern about finances and wished they could relieve their debt burdens. But compounding interest and late fee penalties make the goal more and more unreachable.

Recently I watched some episodes from a British show entitled "How to Live Mortgage Free". I was amazed at what was accomplished by those who were determined to improve their lives by eliminating their mortgage.

Some of those who were featured wanted to accomplish this in preparation for their retirement. Others were younger. One couple set and reached their debt-free status before they were thirty years of age.

The ideas they used included renovating abandoned structures such as a barn, church or office. One couple didn't want to leave the house where they had raised their children so they sub-divided it into two houses and sold one. A young couple built their first home on the top of two trailer beds in a fashion that allowed them to move the whole thing at a later date if they desired.

A single father gutted and redesigned an Airstream trailer for himself and his daughter. An engineer turned a two-story bus into a home complete with elevator and mobile tracks so that his disabled wife could maneuver easily throughout.

One single mom told about how she reduced her mortgage from thirty years to eight by being thrifty and depositing the equivalent of twenty-five extra dollars at a time against the balance.

A couple who had lived on a boat for twenty-five years built a smaller one that was more affordable and then sold the first to pay off all their debt.

This series reminded me of the things that are needed in order to achieve success:

1. A goal. It must be clear and reasonable. All of the individuals in the show also had a realistic timeline for completion.
2. Sacrifice. It took many, many months and in some cases years of labour to complete the projects. Also, reduced square footage required down-sizing of possessions.
3. Skills. Many learned how to build as they went, but some had carpentry, engineering, or sewing expertise before they started.
4. Money. The people involved needed a place to stay while they were preparing their new homes. The initial costs for purchasing land, structures or materials were paid with savings or at least one continuing to work for income.
5. Research. Many of the homes were built with second-hand fixtures and designed after study of magazines and examples of projects completed by others.
6. Consulting. Asking for advice from people who have expertise was a key element of the projects.
7. Creativity. Small spaces were used wisely to accommodate the residents who were moving in.

If you are struggling with financial issues, perhaps you could adopt the above principles. You don't have to necessarily pay off your mortgage but you could significantly improve your financial situation!

And now I would like to invite you to claim your Free Instant Access to a complimentary list of 10 Steps to Making Your Life an Adventure when you visit http://lindahancock.com

From Dr. Linda Hancock, Registered Psychologist and Registered Social Worker

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How To Turn Your Yearly Income Into Your Monthly Income

6 Tips For Staying Motivated When You Just Don't Feel Like It

If your "get up and go" has got up and gone, here are a few suggestions to get your mojo back.

1. Stop Procrastinating

Chances are you might not be in the mood when you start, but you will gradually relax into a groove and get on with your to-do list. No matter how badly the work comes out, such as a new blog post, you have something you can edit and improve. Procrastinating will not gain you anything.

2. Don't Try to Be "Perfect"

Many business owners overwhelm themselves by thinking everything they do has to be perfect. It doesn't. It just has to get done. Do your best, of course, spellcheck your work and make sure you have said what you really mean and will not offend anyone before you hit the Send button. But otherwise, doing your best is better than doing nothing at all.

3. Avoid Overwhelm

A lot of people struggle to get their workday started because they are so overwhelmed that they literally have no idea where to start - and so they don't do anything. If this is the case, it's time for an honest assessment of what you are spending your time on each day. Consider outsourcing some of these jobs to affordable freelancers. But until you find the right helper/s, just pick anything from your to-do list and just do it.

4. Outsource Tasks That Drag You Down

There are always going to be tasks you love doing and look forward to each day. Chances are you are good at them, they are interesting, and you are proud of your work. Then there are the tasks that are dull, boring and you hate them. There are millions of freelancers online who can take these tasks off your plate so you can happily spend your time doing the things you love.

5. Manage Your Time Better

One reason you might feel unmotivated is that you're spending so many hours on your business, but don't seem to be getting the results you were hoping for. There might be a couple of reasons for this. One is that your hours are really not as productive as you think they are. Create a spreadsheet to track typical work days. Every 15 minutes, write down what you have accomplished. Then see how much of your work sessions can be spent on things that really grow your business.

6. Reward Yourself

Give yourself a little treat at the end of each task you complete. It could be a break, a nice hot cup of coffee, or five minutes of watching funny videos online - just don't get carried away.

Being a business owner can be overwhelming and exhausting. So how do some people seem to thrive and achieve their goals and dreams while others struggle? The answer is mindset.To start taking steps today to embrace a success mindset download my free checklist, Cultivating A Business Mindset at https://jonallo.com/mindset

Article Source: https://EzineArticles.com/expert/Jon_Allo/1079948

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How Incredibly Successful People THINK

Did You Ignore the Warning Signs?

Our money lives were a mess back then.

It was hard to admit that we were a total shipwreck.

Especially embarrassing since I am the "money gal" in this family.

I've been counseling others on money and debt management, as well as the deeper issues that money elicits in us, for the better part of 20 years.

Unimaginable for us to end up in such a seriously awful place with all this knowledge, expertise, and wisdom about money?

As is true for many Americans, It happened slowly over time.

Little shifts and warning signs that we handled. No drastic changes in money behavior required of us. Just a glitch. Nothing serious.

Or, so we thought.

Yet, those small, initial warning signs were bigger than we recognized.

How was it possible for us to have missed them? Are they truly that subtle?
All was well in money land. We had a nice house, a healthy 401(k), and income flowing in regularly. We drove nice cars and paid our bills on time. We used credit wisely, something we thought was required of us to build a good credit score.

Took periodic vacations to nice places and celebrated holidays and birthdays with relish.

We followed all the rules that the financial experts suggested and for many years we hummed along just fine.

Until we didn't.

And, in a blink of an eye, we crashed and burned.

How was that possible if we followed all the rules?

What if the rules had changed and we simply hadn't noticed?

Maybe we followed them incorrectly?

Or, what if they were ones we were not meant to follow in the first place?

Those were disturbing questions to ask, yet the answers were so desperately needed. Not only for my own healthy money life but, for my clients, too.

I had to take a step back...

And, take a big, deep breath...

Then, dive into what really happened.

It took courage to look back at all the warning signs we had missed and admit we could have done something different back then.

At first, I beat myself up. Blamed myself for my stupidity and ignorance. Chastised and criticized my intelligence, know-how and abilities.

But then, my anger set in and kicked me into gear. Enough with all that self flagellation. It was time to take action to turn this shipwreck around!

So, what were the warning signs we needed to sit up and take notice before they became unmanageable?

You may be surprised by some of them, something that I, too, had to embrace.

Here are nine of the most prevalent warning signs:

1. You outgrow your house or feel compelled to buy a different one. You believe newer, bigger or a different neighborhood is better. Or, that you need more room for your stuff.

2. You refinance the house to pay off debt. Or, to pay off your car. Maybe more than once.

3. You believe your house is an asset and its equity is healthy. You look great on paper, but you can't put food on the table, or pay your bills with equity. And, as long as you live in the house, it is a liability.

4. You use credit to pay for everything or to get things you do not have the cash to buy. Did you know that when you use credit to buy or pay for everything, you spend more? As much as 83% more. And, by the way, if you don't have the cash for it, you can't afford it.

5. You don't save regularly or have an emergency fund. Just one glitch or extra cost could mean you can't make ends meet or pay your other bills. Flat tire anyone?

6. You have magical thinking. You are convinced that everything will work out no matter what you do or how bad it gets. Where's that magic wand when you need it?

7. You wing it or fly by the seat of your pants. You have no plan or budget. You earn the money. You spend it. That's it.

8. You believe you will earn more down the road. Even though statistics show that paychecks are flat, barely a single percentage point rise in salaries in the last 40 years.

9. You thought the financial road map you were following was the right one for you.

How many of these do you see in your financial life? Any of them make you squirm a bit?

Did you find yourself objecting to any of them being a warning sign? If so, that in itself may be a warning sign!

After all, I did not see the big mack truck coming until it hit us full on. Not to be graphic, but it was a shock.

All it took was a financial downturn in 2008 on top of my husband's company doing a big layoff, for which he was one of them. Add to that, our 401(k) dropped by half and our house was upside down.

I realize these were catastrophic life events, which most Americans would not survive financially.

However, we certainly would have weathered the storm better had we taken heed of the warning signs early on.

Want to know what we did to turn things around?

* We accepted responsibility for the mess we had made of our financial lives.

* We stopped using credit to buy things, in fact, we no longer used credit for anything.

* We paid off and kept our vehicles.

* The only debt we had was our mortgage.

* We cut back on unnecessary spending, and paid cash for everything.

* We planned and tracked our money regularly.

* We did not buy anything we did not truly need and got rid of stuff we no longer used or wanted.

* And, we did not upgrade our home to "keep up with the Joneses!"

In other words, we made radical life changes.

We admitted we messed up, took responsibility, took a deep breath and changed our ways. AND, designed and followed our own money road map, not someone else's.

We have recently even considered selling our home, banking our money, and renting.

Now, that's radical folks!

Maybe a few of these ideas would work for you? Why not give it a try! Don't wait for that big mack truck to get your attention!

No need to agonize over money matters. There is an easier way -- a pain-free money life.

Not experiencing that?

Well then, Let's talk

Because, by the way... I didn't do it alone. You don't need to do it alone, either!

Email me at joan@joansilva.com to learn more.

Article Source: https://EzineArticles.com/expert/Joan_Silva/2376465

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Tony Robbins Helps You Train Your Brain To Stay Focused