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Tame The Financial Beast
Are holiday bills surprising you? Are you hoping that if you ignore your finances long enough, maybe they will fix themselves? Let's liken our finances to a garden. If we neglect the garden, weeds will grow and take over. The garden gets so bad we don't even want to look at it! But, with a little maintenance and tending the garden becomes a joy. The first step towards creating a joyful financial garden is learning to save. Why bother saving? Before we delve into the often scary place of finding out how much of the money is going in and out, we need to find a motive to dig deep. You need to know why you want to save mo'ney. Do you want to own your home, reach financial independence, get a vacation home on an island? Or do you simply want financial peace so you are not worrying about money? Once you get that vision of what you want to achieve you will have the motivation to examine your finances. Financial Dream. How much will it cost to fulfill your vision? Work out some figures, and write down your estimation. This is your financial goal. When do you want to achieve your financial dream? 5 years, 10 years, 20 years? Now you know not only how much you need by when. This tells you how much you'll need to save each year to reach your goal in your required timeframe. Look at your finances. You can't bury your head in the garden sand of your finances or you will end up with pricker bushes and weeds the size of trees. You know what you want, when you want it and how much you want to save. Now you get to see if you can save that much. Look at your in'come and expenses. Do you have more coming in, then going out? If you do, you have a great start. If not, we'll look at how to create savings in a minute. Save first. The biggest mistake people make is to say "I will save whatever is left over." Don't try this at home. Your expenses will expand to use up any money that is there. Instead, put money in savings first. Many companies allow you to automatically deduct money to put into a savings account. You won't miss it, because you'll never see it. Now you get to play the "How Can I Live on the Rest" game. Challenge yourself and be innovative. Are we having fun yet? I can't save that much! If you can't save as much as your goal, don't sweat it. Start saving whatever you can. The psychological impact of bringing in more than you spend will help motivate you to save even more. And it feels great! Starting with $10 a month is at least something! Prune those expenses. The easiest and quickest way to save more is to cut your expenses. First, get rid of cre'dit card de'bt. If you can't use your card responsibly cut it up or put it in a block of ice in the freezer. Next, list everything you spend money on. For each item ask if this is something that you can cut with no pain. Or will it cause a little pain. Or will it feel like taking off a limb? Beside each item, list how much you would save each month by eliminating or slashing that cost by 50%. That number is what you could save for your dream. Imagine what you could do with that cash! Some suggestions for cutting expenses. Get books and magazines from the library instead of buying them Get rid of things that don't add to your life Cancel the gym membership and workout with a buddy Ditch the cell phone till you can start saving Think about your car- can you get around without it? Do you really need a second car? Can you replace your newer one with an older car? The car is one of the biggest expenses when you include repairs, insurance and depreciation. Selling a car could give you thousands of dollars in savings. Rent a cheaper place! At least until you have 6-12 months of living expenses stashed away in a savings account. If the mortgage is killing you - give yourself a break. Talk to a financial planner or accountant about selling the place and renting cheaply, or renting out your expensive place and renting cheaply. Eat out less. Go out for coffee instead of lunch with your friends. Or invite them over to your place. * * * OK - there's a blueprint to start taking financial responsibility, and to begin to enjoy your financial garden, instead of dreading being attacked in it! And coaches - feel free to use these ideas with your clients. David Wood is a personal and business coach, and an original founder of the International Coach Academy - a global coach training school. Looking to become a life coach? Get your free copy of '50 Power Questions' to use with your life coaching clients, and to take charge of your own life. Download here: http://www.solutionbox.com/freedownload.htm And find out how these ordinary life coaches are making $30,000 to $1.4 million per year! Finally they share their secrets: http://www.10SuperCoaches.com
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Business Management Poise, Posture, and Performance Good posture is seen to have many advantages. From an aesthetic point of view it can enhance image, sending out the right signals (body language). For an athlete it is seen to be essential. But what is a good posture? We recognise poor posture when we see it, as it is evident in the majority of adults regardless of athletic ability. But just to confuse the matter, people with an ideal 'plumb-line' posture can also have poor movement patterns. This is because it is not the shape that is important but how it is maintained. An apparent 'good' posture can be achieved with totally inappropriate muscular activity. Handling Disappointment Disappointment is an inevitable part of home-based business. Clients won't pay, bids fall through, or business associates don't come through on their promises or act unethically. Some people will deliberately foster cynicism in their consciousness as a way of avoiding the pain of disappointment. This is mistaken as a means of making life better. Disappointment is a temporary condition. Cynicism is a long term poisoning sickness. Neither is necessary; but until the addiction to cynicism is broken, the attraction of positive events in life is greatly inhibited. Thus there is a cycle of disappointment and cynicism. Let go of that negativity and let the good in. Trump University - Why Success Education Is Important Trump University recently unveiled offers a bonanza of success secrets, success tips and success insights. Attitude is Contagious - Would Anybody Want Yours? Are you using the Life Potential you have been given? Or are you just existing? The Benefits of Coaching When I was first introduced to the profession of personal coaching, my first initial thought was that it sounded exactly like something I would love to pursue. I did further investigation into the profession and before I knew it I was happily enrolled in the Coach Training Program offered through Coach U University in Colorado, USA. Embracing Excellence Joey rises before dawn to pack his lunch, eager for morning to arrive so he can board the city bus that transports him to his job at a souvenir production facility. From 8:00 a.m. until 5:00 p.m., Joey applies decals to souvenir collector spoons. Much like an artist applying brush to canvas, Joey peels a self-sticking decal from its wrapper, painstakingly centers it over the base of the spoon and slowly presses it on the metal. If the decal is not perfectly centered, he peels it off and starts over. Joey glows with pride over the racks of completed spoons, ready to be packaged for shipping to retail stores. Friends? I met my friend when we were in graduate school, and we enjoyed hanging out together outside of classes. After receiving our degrees, we both left school to live in different states. That was 10 years ago. Curse of Competence: How Being Good gets in the way of Becoming Great Just before the storms hit last winter, my father-in-law and I replaced 26 feet of fence on my property. I must say, for a couple of non-handyman-sorts like the two of us, it is a very well done fence. Whats Up With All These Coaches? If you are anything like me, you may have noticed a tremendous increase in the number of coaches that have appeared recently. Traditionally, coaches existed primarily in the world of sports, but you could also find voice, acting and singing coaches. Executive Coaching Finding a Coach and Understanding the Process Nobody in business can fail to have noticed the recent rise in the number of coaches and consultants offering their services. But how do you go about finding a coach who will give you a return on your investment? Executive coaching might be an option for you if you are running your own business or are in an employed management role, and have aspirations to achieve more. Anger: To Control or To Learn Many of us will do anything to avoid another's anger, yet may be quick to anger ourselves. Many of us dread another's anger yet continue to use our own anger as a way to control others. Media Underload! The Stress Reducing Psych-Diet The war, taxes, the economy, increased health problems, crime on the rise, overwhelming divorce rate, corruption in corporate America, and, oh yes, Janet at the Super Bowl! Where does it end? With so much going wrong, whats going right in the world? Resolving Conflicts Effectively Every relationship has conflicts. In some relationships, conflict is a serious problem; in others, differences seem to be resolved without creating a major incident. What The Buddha Says About Coaches There is a Buddhist saying that goes like this: Make Your Life Easier? 'Have you read the Art of War?' someone asked me once. Fighting someone to get your way is definitely a valid strategy. But you don't need me to tell you about that one - we've all been arguing and manipulating to get our own way since we were born! And you may have noticed - often when you push, the other person pushes back! Wars have been fought, relationships lost, and many ulcers create with this kind of energy. New Definition of Retirement A new definition of retirement is evolving. It's one that's focused on continual exploration, learning and growth. Where the old retirement promised no pressure and stress but left you with no personal growth, no stimulating interaction and no sense of achievement, the new retirement promises life meaning, personal fulfillment, and realization of long-held dreams and 'fun'. It's a time for discovery not felt since youth. What do you dream about? Is it owning a dream home at the lake? Or maybe starting your own business? How about going back to college or taking tree planting lessons? You might spend time with a loved one, help people who are less fortunate, or travel. What I Would Include In A Coaching Book A coach is an essential figure in providing direction and leadership to his/her team. In sports, coaches are sometimes evaluated on the number of wins they can produce. In a business setting, coaches are evaluated on how efficient they are in providing a healthy work environment for employees. Its Game Time! Four Powerful Lessons in the Game of Life I turned 29 last week, and if statistics are right and I die on or around my 78th birthday, I am almost 40% done. In a numbers game, that is pretty close to half way. This had me thinking about when I played basketball in high school and college. I thought most about the half time events in the locker room. Mailey's Introspections [Monday, December 6th 2005] As I work with clients as their introspective Inner Peace/Relationship coach, an issue that has come to my awareness is the tendency we have as human beings to stray away from the present moment. Some people tend to live mostly in the past, some live in the future, while still others ricochet from future to past and back to the future again. 5 Tips to Improve ANY Performance Seeking improved performance at work? Wishing you could finally achieve your sports-related goals? Merely looking for a way to get more out of everything you do? What follows are five basic skills (basic in that all top achievers know these skills and apply them in some form on a weekly basis) that will dramatically improve your performance.
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