Archive for the ‘Financial Wellness’ Category

How To Create Your Own Happy Reality

July 29, 2010

Think about the happiest people you know. I’m not talking about appearing to be happy because of their material possessions. I’m talking about a true, calm, genuine sense of happiness. Who do you know that while everything in their life may not be perfect, according to them, they are comfortable, self-assured and genuinely happy.

Now, think about the words you hear from that person’s mouth and the conversations you have with them. Are they positive? negative? derogatory? worrisome? trusting? meaningful?

How is it that some people just seem to have it together, while others are pretending?

I believe that unhappiness comes from confusion, lack of clarity and lack of knowledge about how to change our thinking patterns.

I also believe that happy people choose to be happy and are conscious of their thoughts, actions and words. This doesn’t mean they have to be in a constant state of peace, love and happiness. Sometimes they they have to enforce their boundaries and clearly communicate disagreements; but in the big picture, their actions, words and thinking are all aligned for the reality in which they choose to live, happily.

So, where do we begin? How do we create our own happy reality?

1. Create an inventory list of everything for which you are grateful. Everything, including each family member, your home, special friends, health, possessions, education, job, hobbies, environment – things that are presently a part of your life including wisdom and lessons you’ve learned from past experiences. If you’re over 18, this could be a very long list.

2. Create a list of what you’d like to improve in your life. Be honest, is it a relationship, finances, job, skill, hobby, sport, fitness, health?

3. Review the list of what you want to improve and put a star next to any item that will make or break you in the very near future.

4. This is where you might want professional help depending on your circumstances, but for any starred item, be creative and think through solutions and options that are available to you. Identify what you can control and what you can’t control. Don’t rush this part. You need to open your mind and think through all of the possibilities. Some solutions may just be the way you think – if it’s a health issue, research mental exercises to see yourself healthier and living the life you want to live.

The Mayo Clinic released an article stating health benefits that positive thinking may provide include:

  • Increased life span
  • Lower rates of depression
  • Lower levels of distress
  • Greater resistance to the common cold
  • Better psychological and physical well-being
  • Reduced risk of death from cardiovascular disease
  • Better coping skills during hardships and times of stress

The ways in which you can help yourself may not be obvious, so take your time.

5. Now, look at your alternatives. While they may not be exactly how you want to live now, can you live with them? Is there a way you can survive with your ideas? I’m hoping that you’ve found a way to view what seemed like a “no way out” to “I can deal with this.” See, it’s all how you think about it. It’s all what you believe.

6. For all of the other items on your “wish list,” prioritize them. For each item, set up a doable plan to make progress. Even a tiny bit of progress on a regular basis makes a huge difference.

Warning: don’t expect yourself to work on too many new things at one time. This is why we prioritize. Start with one thing, after 3 weeks of making a little bit of progress, see if it makes more sense to add something else or to allow more progress before you add another expectation.

Warning #2: The warning doesn’t mean that you shouldn’t write out a plan to make progress. You need to put everything on paper – having it in your head isn’t good enough. Getting it out on paper will improve your chances of making progress, even subconsciously. Refer to this article which cites examples from Harvard Business School and Yale.

7. Be real. You know yourself better than anybody knows you. Think through what you’re willing to do and what you’re not willing to do. You’re you. Look at your wish list with action plans and ask yourself, “am I willing to do this?” “Do I have to do this?” “Is this going to add value to my life?” If you decide that some items should be eliminated, cross them off.

Now that you know where you are, what you are grateful for, and how you want to improve your life, can you settle into your life? Can you appreciate all that is good, or even great? Can you be happy for what you have and what you know, and happy for a plan to make your life even better?

Try. Try to be more aware of negative thoughts, words and actions that interfere with your happiness and how others perceive you. Try to look at the positive – i’ve been accused of looking through rose colored glasses…and your point is? Choose to see the bright side, to appreciate what you have and what you know. Choose to find ways to improve without beating yourself up. And, most of all, choose to be happy.

Resource: Learn from Deb Battersby – EmMatrix teaches that there are no negative emotions, all emotions serve us in a positive way.

Do You Have a Backup Plan?

July 16, 2010

There was an article from The Baltimore Sun, written by Jamie Smith Hopkins and reproduced in Charleston’s The Post and Courier entitled “Adapting to a low paycheck.” The article reviews the problem with diminishing earning power among the experienced pool of employees. There are hiring freezes, companies going out of business, layoffs and “nationwide, half of employers froze pay for at least some workers last year and 13 percent made salary cuts, according to a survey by WorldatWork.” People are taking jobs and settling for lower pay because “any money is better than no money,” said Mitch Halbrich.

Did Your Cheese Move?

Yes, it looks dismal. We can talk about it. We can do the best we can with what we have. We can settle for what’s out there, or we can step out of our comfort zone and look at options that we may not have otherwise considered.

Have you thought about a backup plan?

Have you thought about what else you can do to close the gap or even earn more than what you were previously earning by trying something new? Perhaps you’re one of the many looking for your next job, have you thought about doing something to earn money while you look? I know people who have been job hunting for a year and are no better off now than they were last year. Is it worth putting your life on hold and struggling with frustration when you could be doing something productive?

Thinking Outside the Box

If you had asked me 18 months ago to look at another opportunity to generate additional income, I would have said no thank you – not interested. After seeing so much pain and suffering from very talented people and experiencing the affects of the economy on my business, I decided to look outside the box. I made my list: what I’m good at, where I’m weak, what I’m willing to do and what I’m not willing to withstand. After thinking this through, I decided that I wanted to find an opportunity that had unlimited earning potential, residual income so I wouldn’t have to keep recreating business, a supportive environment and it had to be a strong reputable company that I could count on.

Then a light bulb flashed. I had been a customer of a company in the recession-proof consumable products industry. Their axiom was to manufacture exceptional products at reasonable prices. It’s not a company that most people have heard of, because they don’t advertise and because nobody gets hurt – no risk. I used my jewel of discretion to carefully review the company’s 25 year track record and realized that I could make a difference by stepping out of the box and helping others improve the quality of their lives. That’s how my Plan B, my Backup Plan began.

An Opportunity

I’ve partnered with an over $850 million-dollar company to help people put their back up plan in place. It’s a science-based wellness consumer products company that manufactures over 350 products, and it’s green. It’s simple with no-risk and is even willable. Noted in the Inc. 500 and Better Business Bureau Halls of Fame – and recipient of the 2008 Blue Torch Award, we’re changing lives by helping people reach their goals.

Home Based Business

Home based businesses are on the rise because Jobs in the U.S. are scarce and job security hasn’t been prevalent for many years. Part time jobs help, but for ambitious people the income barely justifies the time and energy. Robert Kiyosaki has an interesting video to help people understand the value of thinking differently. A lot of people get nervous and freeze when they even think about changing, that’s ok; but like any pain, breathe through it and see if you can move past your fears to explore opportunities that may be good for your skill set and strengths.

Is it Right for You?

Be honest with yourself, you’ll know what’s right for you. If you’re open-minded about looking at your options without interfering with your Plan A, this option is one worth seeing for yourself.

Visit http://www.Udeserve2know.com. For a comprehensive review, contact me from that website – no obligation.