Tuesday, April 30, 2019
Monday, April 29, 2019
Establishing Financial Wellbeing
Credit and debit cards can be deceptive. So many people are upset when the bank and credit card statements arrive, and they have to face reality involving how much they have spent and what they owe. In contrast, if you are paying cash for things, it is easier to understand how you are doing financially than if you use plastic
Your financial well-being can be simplified into two parts. It is based on how much you earn and how much you spend. With a few adjustments you will begin noticing improvements rather quickly.
Earn More
1. Adding more hours - One extra hour of work a day might not seem like much but even if you are at minimum wage, this can add up! For example, if you earn $15.00 per hour and work five days a week, you will have an addition $3,900 gross a year ($15 x 5 x 52) by just working one more hour each day. Ask your employer if there is opportunity for you to take on extra shifts or increase your work hours. If you are willing and able to work on statutory holidays or to exceed regular time standards you will benefit even more from overtime rates
2. Ensuring value - One of the best ways to protect your income is to be a wonderful employee. Make sure that you are doing what you are hired to do and not what you feel like doing. When an employer learns that you can be trusted, you will be right in line for a promotion and/or raise.
3. Developing multiple streams of income - Do you have ways to earn more? This might include an extra part-time job, sale of items that you make at home or interest on investments. Perhaps you will invest in a good business. Just make sure that you research and use wisdom when you are doing your planning so that you will have a good return.
4. Making career changes - If you want to earn more or enter a new field, you will likely need to work on your resume by taking a course or entering an educational program. The best is when you can work while you are studying and pay your registration fees as you go so that you don't accumulate a lot of student debt.
Spend Less
1. Ask for and use your discounts - Review your regular bills and make phone calls to see if the company you are dealing with can offer you a better plan or lower rate for services. When you are making purchases, ask if there is the sales representative a lower the price.
2. Submit claims - Do the paperwork for insurance and other claims immediately. You are the one who is losing out when you have spent money but not been reimbursed.
3. Avoid penalties and interest - Know the exact percentage rates that you are being charged. Pay your bills before the due date and whenever possible use cash for purchases.
4. Use what you have - Check your home to see what you might be able to wear or use before you buy new. If you are organized, you won't be tempted, for example, to purchase a new screwdriver because you can't find one in your messy garage.
5. Don't lend - If someone can't manage their finances or get a loan from a bank, your best answer when they ask for money is "No". Lending to them will likely not solve their problems and may, in fact ruin your relationship when they don't pay you back.
6. Learn skills - You can save a lot of money if you pack a lunch, cook at home, and do simple household repairs and mending projects.
7. If you don't need it, it is not a deal - Beware of sales! Saving money is not saving if you have to buy something you aren't going to use.
8. Bet on sure things - Blue chip investments, focused energy and having a good plan are way better than wishing and hoping your gambling activities will pay! The reason that casinos are able to operate and renovate is because the odds are rigged in their favour. You might win once in awhile but if you are honest about how much you spend gambling compared to how much you win, you will likely be disappointed.
Author:Dr. Linda Hancock, Registered Psychologist and Registered Social Worker
Article Source: https://ezinearticles.com/?Establishing-Financial-Wellbeing&id=10017077
Your financial well-being can be simplified into two parts. It is based on how much you earn and how much you spend. With a few adjustments you will begin noticing improvements rather quickly.
Earn More
1. Adding more hours - One extra hour of work a day might not seem like much but even if you are at minimum wage, this can add up! For example, if you earn $15.00 per hour and work five days a week, you will have an addition $3,900 gross a year ($15 x 5 x 52) by just working one more hour each day. Ask your employer if there is opportunity for you to take on extra shifts or increase your work hours. If you are willing and able to work on statutory holidays or to exceed regular time standards you will benefit even more from overtime rates
2. Ensuring value - One of the best ways to protect your income is to be a wonderful employee. Make sure that you are doing what you are hired to do and not what you feel like doing. When an employer learns that you can be trusted, you will be right in line for a promotion and/or raise.
3. Developing multiple streams of income - Do you have ways to earn more? This might include an extra part-time job, sale of items that you make at home or interest on investments. Perhaps you will invest in a good business. Just make sure that you research and use wisdom when you are doing your planning so that you will have a good return.
4. Making career changes - If you want to earn more or enter a new field, you will likely need to work on your resume by taking a course or entering an educational program. The best is when you can work while you are studying and pay your registration fees as you go so that you don't accumulate a lot of student debt.
Spend Less
1. Ask for and use your discounts - Review your regular bills and make phone calls to see if the company you are dealing with can offer you a better plan or lower rate for services. When you are making purchases, ask if there is the sales representative a lower the price.
2. Submit claims - Do the paperwork for insurance and other claims immediately. You are the one who is losing out when you have spent money but not been reimbursed.
3. Avoid penalties and interest - Know the exact percentage rates that you are being charged. Pay your bills before the due date and whenever possible use cash for purchases.
4. Use what you have - Check your home to see what you might be able to wear or use before you buy new. If you are organized, you won't be tempted, for example, to purchase a new screwdriver because you can't find one in your messy garage.
5. Don't lend - If someone can't manage their finances or get a loan from a bank, your best answer when they ask for money is "No". Lending to them will likely not solve their problems and may, in fact ruin your relationship when they don't pay you back.
6. Learn skills - You can save a lot of money if you pack a lunch, cook at home, and do simple household repairs and mending projects.
7. If you don't need it, it is not a deal - Beware of sales! Saving money is not saving if you have to buy something you aren't going to use.
8. Bet on sure things - Blue chip investments, focused energy and having a good plan are way better than wishing and hoping your gambling activities will pay! The reason that casinos are able to operate and renovate is because the odds are rigged in their favour. You might win once in awhile but if you are honest about how much you spend gambling compared to how much you win, you will likely be disappointed.
Author:Dr. Linda Hancock, Registered Psychologist and Registered Social Worker
Article Source: https://ezinearticles.com/?Establishing-Financial-Wellbeing&id=10017077
Sunday, April 28, 2019
Saturday, April 27, 2019
3 Tips to Finding Happines
I loved this Instagram post from John Assaraf (from the Secret) yesterday so much that I had share it here.
I encounter this all of the time with my own coaching clients especially when they're in resistance. BY resistance I mean, not willing to see things a different way. Where they are so attached to their reason / story / excuse / whatever you want to call it, that they are unwilling to see the way to achieve their goals.
I'm not going to lie, I find it extremely difficult to coach someone when they're in this energy. But then I remember their ego has taken a hold of them and that getting frustrated is not going to be the way to best help. What I've realized is that it's essential to identify where the problem lies. If you try to talk to someone about strategy when they're in this space, it will not land. The resistance only gains traction. The belief that is keeping them in this place must be addressed. What are they believing underneath the story that is keeping them in this pattern? Once you can identify that belief, and then create the empowered belief they want to have instead, massive momentum occurs! I just had a client shift from a disempowered state to an empowered place instead, and within a week she finished the month strong AND created the best month she's had in a year!!!!!! Now THAT is exciting and WORTH diving deep!!!
The issue is that when we're caught-up in a story of why we can't do something we're actually getting something out of it on a deeper level. Behind every so called "negative story" there is always a positive intention. So what is it for you? How is that old story serving you deep down? Likely something about safety, love, acceptance, approval, etc. Dig deep and you will find it. You then need to make sure that in your dream life - where you are doing, being and having what you love, that the positive intention you identified above is honoured. You need to remind yourself of this over and over (consistent repetition reprograms the subconscious mind), while thinking of an emotional memory of when this was actually true for you. You need to remind yourself of this OVER and OVER. I can't stress this enough. You will then start to create new experiences that strengthen the new belief system you are trying to operate from.
BUT... you have to be willing to dig this stuff out AND most people aren't. It can be painful to see why we do things deep down and to take responsibility for what we are creating in our own lives. No one is responsible but you.
A client asked the other day how long it is going to take for her business to take off. My reply was as soon as you don't let your subconscious mind stop you. It's designed to keep you safe and putting yourself out there while building a business does not feel safe. I just challenged myself to reach out to someone on my own "chicken list" AND it went amazing! I'm so excited for what the future holds! Force yourself to do the activity you know will yield results, while working on your belief system. Your subconscious mind wants to get your agreement to stop. It will tell you things like you're too tired, you don't have enough time, and that you're not good enough.
As Marianne Williamson says,
"Our deepest fear is not that we are inadequate.
Our deepest fear is that we are powerful beyond measure.
It is our light, not our darkness that most frightens us."
You have to be willing to step into the best version of you, one step at a time.
You've got this.
Author: Chris Atley
Article Source: https://ezinearticles.com/?The-Story-Thats-Holding-You-Back&id=10032062
Friday, April 26, 2019
Thursday, April 25, 2019
Retreat, Regroup, Ready
Do you ever get tired of hearing people tell you how busy they are? Often, they declare this along with the idea that they are feeling overwhelmed. Well, busyness and overwhelm can be altered.
I know that I won't be at my best unless I make and follow through with specific plans. When I am feeling too busy, I need to step back and put in boundaries. When I feel overwhelmed, I need to examine my situation and make deliberate changes.
Here are three ways that you can improve your life and enjoy peace rather than chaos:
1. RETREAT - You will never be able to do everything! Admit it. In fact, there are times when you need to retreat into a safe and quiet environment for a period of time.
I often leave the office on a Friday night and go home, never to talk to one person or leave the condo again until Monday morning. My first priority is to sleep because everything looks better when I am rested. I adopt as much silence as possible and limit technological input. My focus is on doing things that are calming - things like enjoying a long, warm bath; a leisurely nutritious lunch and an interesting book.
2. REGROUP - Having a clean and organized environment reduces stress. I know that we are supposed to walk 10,000 steps a day but when I am in retreat mode I try to save steps. For example, when I leave the bathroom, I grab the dirty towels and other items to make a washing machine load. It works while I relax!
Anything in the fridge that is sketchy or starting to grow fuzz gets thrown out as I am gathering items for the next meal. The three minutes that the microwave requires for heating things up allow me just enough time to unload the dishwasher. At least once in the weekend, I stand at the door of each room and pick up what is out of place. Imagine having a home that is presentable when you only have fifteen minutes notice that you are getting company.
3. READY - Don't destroy your retreat by running around town trying to get things done. Instead, put a sticky note on the outside door and enter reminders for things that can be done on your next outing. These might include: fill the car with gas, buy batteries, drop off charity items. Hang a bag on the doorknob for items you will need to take with you and place tied bags of recycling, garbage or donations by the door. If you can't carry them all to the vehicle in one trip, you can spread it out over the next few days.
Keep a grocery shopping list that you can add to each day as you run out of things. I let my calendar keep track of birthdays and purchase all the cards for the following month at one time. I also shop online for ideas and bargains.
Make simple meals that the oven will cook for you in larger quantities than you will consume that day. Then package left-overs in small containers for freezing. Make your lunch for the next day with some of the leftovers.
Choose your clothing in advance and hang tomorrow's outfit on a doorknob. That way you can prevent wardrobe malfunctions and save time.
This formula will help you to reduce stress and give you a healthy feeling of control! It's all about working smart instead of working hard and making sure that you have an opportunity to be your best self.
Enjoy!
Author: Dr. Linda Hancock, Registered Psychologist and Registered Social Worker
Article Source: https://ezinearticles.com/?Retreat,-Regroup,-Ready&id=10032557
Wednesday, April 24, 2019
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