How to Think Happy Thoughts and Learn to Fly – 2

In part 1, we explored some ways of nurturing the happiness in our lives so it is not dependent on circumstances around us. Here are some other ways that are guaranteed to help make you feel happy and keep you feeling happy and content with your life, even if the circumstances and events happening around you leave your feeling momentarily shaken.

 

5) Nurture those you love.

You may feel this step is logical and that you do this all the time as a spouse or a parent. Think carefully however. How much time do you invest into improving your marriage, or developing your parenting skills? Research shows that the happiest people are those with the strongest relationships with significant others. 

 

6) Look after your health.

Enjoy yourself running around with the children, doing Zumba at the gym or playing golf with your mates. Looking after your health feels you with energy and when you add laughter to the fun you are the winner.

 

7) Try something new you have always wanted to do.

Set yourself a challenge to do something new every week no matter how much you feel you can’t do it. Have a go and enjoy the experience. You may find yourself surprised by the results, and if you don’t succeed you will certainly enjoy trying it. Better still, try it with a friend and double the fun. 

            

8) Don’t expect too much. Instead, enjoy what comes to you.

Keep your expectations on yourself and others at a reasonable level. If you set the standard too high you are setting yourself up to feel let down. Accept and appreciate the things that people do for you and you are able to do for yourself and others. 

 

Happiness in our reach if we focus on achieving it. Taking time to appreciate the good things in our life and the gift of love that is given to us by our significant others are reasons to celebrate what is happening in our life. We should be focusing these things on each day as we think about the things we have been blessed with. They are the things that remain constants when other things in our life are not going as well. They help us keep the difficult moments we will inevitably face in perspective and give us hope when things around us may seem hopeless.

Changing Habits That Are Deeply Ingrained in the Subconscious

Ever trying changing a habit so desperately only to find out that something deep within is not willing? You have gone to counselors, the psychologists, spent money on self-help books and running to every sort of seminar that includes the self-help stuff only to find yourself at the same position you were in before? It is said that it is at this moment when the subconscious and the conscious are at logger heads and in most cases the subconscious wins. 

 

Our habits drive our lives, that is why it is important to bring the bad habits into our conscious awareness and replace them with the obstruct ones to be able to move forward. If you are not yet where you want to be or if you have not yet achieved what you have always desired for a long time then you ought to really examine your approaches to life.

 

I suggest you prepare a list of how you perceive things around you or your attitude toward life. Of course, you will have those that do not serve you well and you don’t have to beat yourself down because of it, after all you are human. All you have to do is eliminate them completely and replace them with their opposite ones. Say you think that you are looser and you cannot achieve anything in life or that life is way too hard whatever your perception is, your subconscious takes it in and it becomes a self-fulfilling prophecy. 

 

So instead of saying that, think of the past achievements or think of how much you can achieve and conquer a lot and how easy life can get if only you apply the right skills. You may not believe it but I advise that you keep doing it, fake it till you make it. Keep repeating those words to yourself as much as possible and no matter how long it takes, you will enjoy its aftermath. 

 

This exercise requires some time, full time dedication and a burning desire to really do it and achieve your goals otherwise if you easily give up you will not go far. You should set time for some deep analysis of your habits and do more of meditation to help relax your mind. Keep the positive attributes coming until it becomes your new approach to life. Your mind will have a new command to steer you directly into your dreams.

 

Coming Out of the Money Trappings

Financial freedom has been said by many to be a ‘mission impossible’ since many are never able to reach this stage. Have you ever taken some time to ask yourself what magic those that are financially free use to reach where they are? The answer is simple, they are financially responsible as well as being organized. This is the key to attaining financial freedom. It is not as hard as many portray it to be. In that case, a personal financial budget is a vital tool when it comes to attaining personal financial freedom. To attain a perfect personal budget, it is compulsory for one to live within his or her means. 

 

Basically, our personal budgets are meant to control the manner in which we tend to spend our income. Without it, most of us tend to be extravagant. In most cases, our extravagance comes about unknowingly. We just find ourselves buying staff without having planned for them. Using credit cards is the most common factor that can be attributed to this act. Once you walk around and com across a beautiful shirt, all you have to do is to take out your credit card and purchase the shirt without necessarily thinking about the impact on your budget; at least not at that moment. To avoid such scenarios, there are particular tips that can help you live up to your budget.

 

To start with, it is important to be organized. As a matter of fact, there is no way that you can come up with a budget without being organized financially. As we all know, a budget is simply meant to help one keep track of his or her expense plus ensure that they stick within the limits of the total income. In short, it helps you live within your means. Therefore, only an organized person can limit his or her expenditures, budget for the necessary goods first then luxuries later and live by the budget. 

 

Secondly, cut all unnecessary costs. There are various way of doing this considering the modern lifestyle that most of us have taken in. For example, never eat out so often; this tends to increase costs in the end. Finally, set goals in terms of personal financial freedom. This normally acts as a self-motivation tool. Set a particular time frame within which you are to set up your own business side. You can even go to an extent of setting a time frame in which you are to clear all bad debts. At such a rate, personal financial stability will be in the palm of your hands within no time.

 

Financial Freedom Tips

We live in a very funny world. Today, the consumerism policy has taken over the business scene. This simply means that many tend to spend more than they can afford. In most cases, this occurs when one person tries to live up to the expectations of others. In the end, the general financial situation tends to be so poor. Such behavior has led to the common talk going around claiming that financial freedom is just but a myth. As a matter of fact, many have given up all hope. Sorry to say, but how do they expect to achieve financial freedom if consumerism is their financial policy in life? This can never happen. All in all, there are certain tips that one can use to achieve financial freedom. 

 

To start with, try and minimize on your expenses. In short, get rid of the consumerism policy that many of you unknowingly stick to. This can only be done by tracking your expenses. First and foremost, come up with a monthly budget. This way, you will avoid wasting your money on items that you had not planned for. Secondly, avoid using your credit card. As a matter of fact, only carry it when necessary. Statistics have shown that many waste 90% of their money due to their frequent use of credit cards. They are good but only if they are used wisely. Finally, come up with some sort of journal from which you will note down all your monthly expenses. This way, you will be able to identify the areas of which you are losing a lot of money and generally track your spending spree. 

 

On the other hand, it is wise for you to deal with all debts. Good debts are worth it, but bad debts will just derail you from achieving financial freedom. We have all heard of very rich and wealthy individuals losing all their wealth to debts. The same can happen to you. It is never wise to let your debts pile up, the results will be tragic. Therefore, concentrate on getting rid of all bad debts before you even start strategizing on how you will achieve financial freedom.

 

Still on that note, the only way you can get rid of all debts is by paying more than you are expected to. Once you get a loan, there is always a repaying agreement that states the minimum you are expected to pay on a monthly basis. It is advisable that you pay more than this amount in order to effectively get rid of all the debts quickly. 

 

3 Simple Financial Freedom Rules

Many tend to think of financial freedom something that cannot be achieved. Others think of it as a myth. This mentality has deeply sunk into their brains to an extent of the whole concept become just but an illusion to them. They have totally given up on the idea and the word ‘financial freedom’ is no longer part of their vocabulary. This should not be the case. On the contrary, achieving financial freedom is as easy as ABC. All that you should do is to follow some three simple rules and you will be on your way to a life full of financial stability.

 

Rule Number 1: Do Not Live Above Your Means. 

 

This is one of the main reasons why many can never achieve financial stability. Living above your means simply means that you tend to strain the little that you earn. In the long run, you end up dead broke. Your next hope of getting some cash is your next salary of which you still plan to use it all up in luxuries. Try and live below your means. There are a lot of luxuries that one can get rid of and still live comfortably. For example, boarding a taxi on a daily basis when going to work; why not save up by walking for the next two months and buy your own car in the third month. This is just but one of the few ways that you can simply save up. 

 

Rule Number 2: Save Up and Invest Whatever Remains.

 

I am sure that we have all heard of various saving options offered by banks or most of the money co-operatives we deal with. Some are using them while others just ignore them. Saving is one of the wisest things one can do. It is important to think of the future and not just today. See beyond your nose and plan for it. Look for a saving scheme that you can use and start saving. As for the amount that might remain, find a way of investing it. This way, your money will grow.

 

Rule Number 3: Improve on Rules 1 and 2. 

 

It is easy for one to plan to save or minimize on his or her expenses. The problem comes in after a couple of months or so when most of them quit along the way. Make sure that you do not fall into this category; improve on your saving skills day after day. Read periodicals and books dealing with these topics and talk to professionals. 

 

9 Steps to Financial Freedom

Financial freedom has become a trending topic in our streets today with many individuals trying their level best to attain this stage that is admired by many. Despite all the fuss, only a handful have achieved this condition. It has become sort of like an impossible mission for many as they quit along the way. This is basically due to the simple fact that they are not doing it right. As a result, various renowned business elites have come up with tips that have helped many achieve financial freedom. Among them is the profound writer, Suze Orman. She has written book entitled “9 Steps to financial freedom” that simply deals with financial freedom and how none can achieve it. 

 

In the book, Suze Orman has come up with a list of 9 simple steps through which one can attain financial freedom the soonest possible. The first step discusses just how much the past means to your financial future. As a matter of fact, she states that the past holds the key to financial freedom in the future. How is this? You all know that experience is the best teacher. The same applies in this case. It is the past financial mistakes one made that will help him or her be more careful when doing their finances. In the second chapter, she simply states that there is no way none can achieve financial freedom with a negative mentality. It is up to you to generate a positive mentality since it is all in your brain.

 

The third step is to simply be true to you. There is no living being in the world that knows you as much as you know yourself financially. It is only you that can point out your weakness and strengths. Therefore, it is very important for you to be true to yourself. In chapter four, Suze talks about taking care of those that you love. She says that in order to be fully financially stable, it is necessary to leave something behind for your family just in case something happens to you.

 

According to Suze Orman, how you treat yourself matters a lot in financial stability. In the fifth chapter, she says that one is supposed to respect themselves as well as their money in order to be financial freedom. In chapter six, she states that in addition to respect, trust should also be available and especially. Step seven, Suze encourages people to give to charity claiming that it is important to be open in order to receive what you are meant to receive. Finally, she explains the money cycle. 

 

How to Achieve Financial Freedom

Many of us are always in pursuit of financial freedom. This has become the main reason for most of our day-to-day activities as we try our level best to earn some extra cash. However, not many have managed to reach the ultimate financial freedom point. This is simply because they are not doing it right. There are certain steps that one should take in order to fully achieve financial freedom. 

 

The first step is to making up your mind on what you need. This should be the first step since it is the determining factor when it comes to setting your financial standards. One thing that most people do not understand is that there is a huge difference between being financially free and financial freedom. Some want to have all the material things they need while others prefer sacrificing them for the sake of being financially free. One should decide on which side he or she lies in. This way, it will be easier for you to budget.

 

Secondly, analyze yourself financially. No one knows you better than you do. Therefore, you are the best person to determine your financial strengths and weaknesses as well as your likes and dislikes. This will simply help you achieve financial freedom using your strong points since it is the easiest path to financial freedom. In that case, it is important that you remain true to yourself in order to accurately achieve financial freedom.

 

The third step is the main one of them all; strategizing. A game plan is a vital ingredient not only in achieving financial freedom but all the other business sectors there are. In this case, it is wise for one to set one in accordance to his or her weaknesses and strongholds. Make sure that you fully utilize them to the fullest. Budget appropriately and plan for all the various assets that you will require in the process. These include items such as real estates, businesses or even paper assets such as bonds, stocks or even mutual funds. On the other hand, do not go for any kind of asset; look for one that fits your personality. 

 

On the other hand, your plan must be broken into stages. Do not plan on yearly basis, set weekly steps or even daily steps that are still in line with the long-term plan. This way, the plan will easily be achieved.

Creating A Budget For Yourself Can Dramatically Improve Your Severe Debt Issues

Figuring out a budget is something that too many people have difficulty with and there is definitely no doubt about that. Unfortunately, people, including myself, are just not educated enough about finding debt relief by having the ability to properly manage a well balanced budget. Following a strict budget each month or week, however you would want to do it, is no doubt the best way for everyone to improve their debt condition. 

 

This is something that you should all really have already started thinking about because knowing how to manage your money properly and being consistent with it, will drastically pay off down the road. You will finally be able to enjoy your life completely, without all of the worries that come along for anyone who is just totally overloaded with debt over debt over debt. 

 

Your budget will make it possible for you to recognize that you can survive every single month, not just survive though, much better than that, you could potentially have a little bit of extra money each and every month! How fabulous would that be people? You know you want it, you know you are exhausted thinking about your debt, so get up off that couch and stop pitying yourself, try fixing your debt problems instead of forgetting about them!

 

Allow your budget to work for you, no matter what might come up unexpectedly. If you can do this month after month, I do believe that you are just really going to be shocked by the wonderful results. You will have so much more confidence each day just knowing that you can make it on your own, you are a responsible, mature and highly intelligent individual. Learning about managing your money and following strict budgets at an early age in life sure did pay off for you as an adult, aren't you so proud of yourself!

 

Most of us do have a great deal in common unfortunately, whenever it comes to spending more money than we can truly afford to spend each month and it is definitely a very serious problem, or could eventually become a serious debt concern of yours. Creating this amazing budget for yourself can dramatically improve your severe debt issues for good, how fantastic does that sound?

 

Take the time out of your busy and very hectic schedule, sit down, take a deep breath and prepare yourself for this fun and exciting learning experience. You will learn so much about yourself once you have prepared a budget for yourself, to follow each and every day that passes, that is going to rid you from all your debt. It will definitely be an eye opener for many of you out there that tend to go a little overboard from time to time when you are out shopping around for things. 

 

Debt is your worst enemy so if you can do anything at all to prevent this from occurring with you all throughout your fun life, start at an early age figuring out how you will follow your budget each month and make it work. 

 

Credit Card Debt Has Drastically Increased Over The Years: Find Out What You Should Do!

Unfortunately, throughout the years, more and more people are becoming victims of enormous credit card debts that they probably will never get paid off. It is a shame to know that so many people feel that they NEED so many things but realize the only way that they could possibly get those things is by using their credit cards, and they normally have plenty of them to choose from!

 

Credit card debt has increased drastically throughout the past several years and it does not look like many people are yet realizing just how bad this problem is. If you are struggling each month, trying to figure out how in the world you will ever have the ability to pay all of your credit card payments on time, then you should definitely continue reading this article. 

 

It is very important for people to understand how dramatically credit card debt can affect your financial standing, or lack thereof. Credit card debt is one of the leading causes why an individual would end up having to file for bankruptcy or take out mortgage loans on their homes or other drastic things such as that. People become so caught up with trying to make purchases that are just not feasible, never considering how much it is going to cost them down the road, because of the enormous interest rates.

 

Start choosing to simply throw away all of those credit card offers that you get in your mail so regularly, trust me, you do not need any more debt people! These credit card bills will continue adding up and the next thing you know, you are going to be skipping payments and when that does happen, be prepared for an outrageous monthly bill, which you know for sure there is no way you can afford it!

 

To all of you young adults that have not yet gotten in severe credit card debt yet, do not do it, do not let this endless cycle of unbelievably expensive debts take over your life. If you can start your adult life out without too many unnecessary debts, such as credit cards, your life is going to be much more enjoyable and much much less stressful. 

 

Because of the fact that credit card debt has gotten so unbelievably out of hand, perhaps you could start a new trend and try staying clear from getting yourself into so much debt. So, start now by trying to focus on doing positive things to make your life easier and once you start achieving those goals, you are going to sleep much better at night and feel much more positive when it comes to every aspect of your life. 

 

Be responsible for your actions and if you have gotten yourself into a tremendous amount of credit card debt, make those monthly payments or try working extra hours so that you can start doubling up your monthly payments or even paying some of them off completely. 

 

Debt Can Be Very Bothersome: Find Out How To Prevent Debt Flooding In Your Home

 

Debt problems exist all around the map and most families find themselves struggling over one thing or another at some point in time, it is a sad but very true problem going on in the world. Debt can be and is very bothersome, so for anyone out there who is finding a hard time getting out of the debt that you are in, please do continue reading this entire article, hopefully it will be more than helpful to you all. 

 

Anytime that somebody offers a word of advice, you should always take the time out to listen up because you might just find that it is very helpful advice. There are many professionals available to anyone out there needing any sort of debt assistance, and by choosing to go with a professional you can be assured that you are going to be all set up and placed on the correct path for a successful financial future.

 

Debt problems will send you in a spiral of frustration, anxiety and even depression at times, so knowing what not to do with your money is really very important. Debt consolidation is always an option to help anyone who is in financial assistance and if you find yourself drowning in debt then perhaps you should definitely be considering some different options that could help to straighten you all out. 

 

Consolidating your bills each month will make it possible for you to save yourself some money every chance that you get and by doing so you are always going to have a little bit of extra money in the bank each month that comes along. Your extra money can be put into some sort of stocks or cd's, perhaps you could start seeing that you do know how to save more money each month, it might even be quite shocking to you at first. 

 

Debt flooding within your home can be very exhausting for anyone responsible for trying to correct the current situation within the home. It can be extremely tiring and overwhelming just trying to find any sort of answer that could potentially help to get you through this horrifying time in your life. It is really important for you to pick up some helpful books regarding debt because if you do not do something now about this problem, things are going to become very bothersome and even more of a headache than ever before. 

 

Your life does not have to be this way, making a few more intelligent decisions when it comes to your money each month, will truly provide you with the type of financial stability that you are looking for and have been looking for now for quite some time and have not yet been successful with any type of action. Get a friend that you can trust that might know a bit more about debt flooding and all of the problems that can come from having to deal with it. Good luck!