5 Key To Success Life Coaching In Relationship March 2013

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The Five Key To Success Life Coaching In Relationship topics are Positive Alternatives to Nagging, 8 Ways To Make Peace With Your Past and Move On, Finding Peace in the Midst of Grief, Revelations From Losing a Loved One And How To Cope and What to Do When Someone Close to You Experiences a Personal Trauma.

Relationship Life Coaching Tips #1 – Positive Alternatives to Nagging

Nagging is ineffective and puts a strain on your relationships. Instead, try some of these ways to get what you want. Some are so easy you can start doing them immediately while you work your way up to the more advanced strategies.

Simple Alternatives to Nagging

1. Do the math. If you still need to convince yourself that nagging fails to get results, try counting how many times you say the same thing. The tenth time is likely to turn out the same as the first nine attempts. You have everything to gain by trying a new approach.

2. Focus on the positive. Keep your eye on the big picture. When you think about how your family, friends and colleagues enrich your life, it’s easier to cut them some slack on the less pleasant details of your interactions.

3. Do it yourself. It may be faster and more satisfying to complete a task yourself rather than waiting for someone else to do it. Learn to replace the air filter in your car. Sweep the stairs or wash the dishes even when your spouse was going to do those jobs this week.

4. Become more flexible. Let your kids know that you appreciate their willingness to help out even if their methods are different from your own. Smoothing out the bedspread makes the room look tidier even if you have to give up on hospital corners.

5. Let others experience the consequences of their actions. Maybe your kids surprise you with a science fair project due the next morning on the same evening when you usually go grocery shopping. Eating tuna fish sandwiches for a week may help them understand the importance of giving you adequate notice.

5 Key To Success Life Coaching In Relationship

5 Key To Success Life Coaching In Relationship

 

6. Engage outside help. Consider paying professionals for chores that cause ongoing conflicts. A weekly housecleaning service may be worth the investment. Find another parent at your kid’s school who wants to take turns driving them to soccer practice.

7. Streamline your workload. Chronic irritability is often a sign that you’re trying to do too much. Figure out which responsibilities are priorities and which you can put aside.

8. Embrace technology. Brief text messages and automated calendar reminders deliver the same information with less risk of putting people on the defensive. Remind your partner that you have a dinner party tonight without saying a word.

9. Take a time out. Deal with sensitive subjects when you’re feeling calm and collected. Sometimes the best thing you can do is take a walk until you settle down.

More Advanced Alternatives to Nagging

1. Address the root issues. Probe more deeply to see if nagging is a symptom of deeper issues in your relationships. Marital counseling or parenting classes may help you get to the bottom of what’s going on.

2. Ask for what you want directly. Work up the courage to state what you need clearly and tactfully. One skillful message beats years of beating around the bush.

3. Listen well. Practice attentive listening. Concentrate on what the other person is saying and confirm that you understand. It’s easier to cooperate with each other when we feel validated and cared for.

4. Nurture your self esteem. Some studies suggest that women are more prone to nagging because they feel like they have less power. Encourage yourself with positive self talk and pursue meaningful goals. Feeling strong and secure makes you less vulnerable to finding faults in others.

If you’re tired of repeating the same requests without getting the results you desire, it’s time to try some alternatives to nagging. Change your expectations and improve your communication skills. You may wind up with a happier family life and a cleaner house.

Relationship Life Coaching Tips #2 – 8 Ways To Make Peace With Your Past and Move On

Each one of us has experienced upsetting situations at one time or another. You might cope with these events and the feelings they trigger by simply putting them out of your mind. But somehow, those negative occurrences just keep wiggling their way back in to your thoughts and feelings.

How can you deal with past negative events so you can move forward?

Consider these tips to make peace with your past:

1. Tell yourself, “It is what it is.” Whatever the disturbing experience, it happened to you. Acknowledge it. At least, accept the fact that it happened.

2. Identify your own emotions regarding the situation. Ponder the variety of feeling “labels.” Disappointment, anger, fear, and resentment are some examples. How did it make you feel then? What goes on with you emotionally when you think about the event now?

3. Embrace all of your feelings. It’s okay to feel whatever it is you feel. You’re human. You have the right to be scared, angry, frustrated, or any other feelings you have. Give yourself permission to embrace the emotions you experience related to your past.

* With insight into your emotions, you can begin to understand how something from the past could be impacting you now.

Positive Alternatives to Nagging

Positive Alternatives to Nagging

4. Recognize you can protect yourself now. You can ensure that event doesn’t ever have to happen to you again. Seek and find the comfort and grace in your current position.

5. Determine if you’re truly ready to let go of this part of your past. Can you release it into the wind and say, “It happened but it no longer has to define me”? Only you can make the decision to release this negativity from your life for good.

* Of course, the memory will remain, but all the negativity will dissipate when you recognize and understand what happened.

* Think of a symbolic way to release your personal distress so you can start fresh from this day forward. Write down your trauma. Tear it up in tiny pieces and throw them away.

6. Live your life consciously in the present. Staying in the now and vowing to live your best life each day is a powerful antidote to a painful past. Say “good-bye” to the negativity as you let it go. Replace it in your mind with the positivity you have now. Vow to stay in each moment to relish the beauty of everything you have that’s wholesome and special to you.

7. Go after your bliss. Your bliss is something that brings you interest, joy, pleasure, and even excitement. Seek out the things you love to do, places you love to go, and people you love to be with. Use your time on this earth to fulfill your greatest passions. Place reminders of your bliss everywhere to be pleasantly reminded of everything you love.

8. Avoid letting anything stop you. Even though you may still have contact with someone who has hurt you in the past, recognize that you hold all the keys to how your life journey continues from this point forward.

Making peace with your history is a highly rewarding experience. Know that your life will be enriched through the process of accepting what happened to you. Recognize and learn to understand your emotions connected with your trauma.

Find self-confidence again and ensure you’re ready to let go of the negativity. Live in the present, go after your bliss, and pursue your life with a renewed sense of responsibility. Make peace with your past now so you can embrace a beautiful, fulfilling life!

Life Coaching – Patterns of Conflict was a presentation by Colonel John Boyd outlining his theories on modern combat and how the key to success was to.…Life Coaching

Relationship Life Coaching Tips #3 – Finding Peace in the Midst of Grief

The state of grief confronts even the most emotionally sturdy people, so feeling like you’re not able to handle what you’re facing is a challenge that we all face from time to time.

As hard as it may be to accept, though, any affliction, hurt or pain you are experiencing helps to shape the person you are. Making your way to the end of the tunnel says a lot about your ability to overcome the worst and return to a happy, peaceful state of being.

If, however, you’re finding it difficult to get through your grief on your own, try the following strategies to make the journey less difficult.

Finding Peace in the Midst of Grief

Finding Peace in the Midst of Grief

Course of Action for Overcoming Grief

1. Acceptance. As difficult as it may sound to you right now, you’ll need to take your very best shot at accepting that something has happened to cause you grief. Bear in mind that acceptance doesn’t have to mean being nonchalant about the pain and hurt, because those are very real. Instead, tell yourself that it has already happened and is in the past.

* You haven’t been given the power to change things that have already occurred, but you can certainly change how you deal with the challenge going forward!

* Dig deep within your soul to find the strength to move on.

* Seek the help of someone disconnected from your circumstance and be open to their approach and point of view.

2. Healing. It’s important to spend time doing things that bring relaxation and eliminate stress so you’re able to cope well as the days go by.

* Spend some time in meditation so you can have a relaxed heart and mind.

* Exercise. Physical activity encourages your body to release endorphins that lift your mood and help you feel better.

* Forgive yourself for whatever responsibility you’ve assumed for the outcome of the situation. Try to accept that life’s happenings are under the guidance of a Greater Being.

3. Thanksgiving. Especially during a time of grief, spend some time reflecting on all the blessings that have crossed your path. If you commit to putting aside your feelings for a moment, you’ll realize how much you truly have to be thankful for. Sometimes the blessings far outweigh the tragedies without you even knowing.

* Make a list of all the positives that you’ve witnessed in your life and in the lives of your loved ones.

* Meditate on those blessings until they become engrained in your conscious thought.

* Try to identify the lesson in the midst of what you’re experiencing and be thankful for it.

Finding peace in the midst of grief will be difficult at the beginning, and there are really no rules for how long you should take to heal. However, remember that there’s a season for everything.

Your feelings of hurt and pain have no plans to last forever. As you practice these strategies and begin to heal, you’ll be able to release your grief so you can find true peace.

Relationship Life Coaching Tips #4 – Revelations You Might Discover From Losing a Loved One

It’s never easy losing a loved one, whether you’ve seen it coming for a while now, or it just caught you by surprise. The reality is that if you love someone, you treasure the time you spend with them and want that time to last forever. That’s one main reason why we feel so crushed when someone we love is taken away from us.

Rough, emotional days can be expected as you come to terms with your loss, and your experience doesn’t have to fit the standards others set for mourning the passing of someone special. In your own time, you’ll heal.

Revelations You Might Discover From Losing a Loved One

Revelations You Might Discover From Losing a Loved One

It’s important to be somewhat introspective and come to terms with life lessons that occur when losing a loved one. Discovering these revelations will help in the process of healing and acceptance of the loss.

Help yourself heal by allowing time to focus on the wisdom that can come out of your loss:

1. You’re innately strong. You’re probably more surprised about your ability to be strong during this difficult time in your life than anybody else around you.

* But the reality is we only know our capabilities when we’re faced with a situation for the first time.

2. Love is all that matters. One revelation you’ll discover is that at the end of the day, achievements, personal possessions and status really aren’t worth anything at all. Loving those around you and taking the time to show that love is the real purpose of life.

* Losing somebody you love and only having them in spirit will show you that even without the physical being, that feeling of love is just as strong.

3. Unspoken bonds are stronger than you think. When faced with loss, the true essence of the bond you shared with your loved one becomes more evident. Losing a loved one really lets you realize that they meant more to you than you were able to comprehend while they were here.

4. You can identify true friends. Fortunately or unfortunately, in the midst of grief is when you’ll be able to identify your true friends.

* While things are sunny and bright, you’ve probably had lots of “friends” around. But when you truly need support, the people who offer it in one way or another are the ones you should hold onto forever.

5. The best time to express your feelings is now. One of the most significant lessons you can learn from losing a loved one is that it’s important to tell others in your life how you really feel. That way, you won’t have regrets about things left unsaid if the day ever comes that you lose them.

Take the time you need to heal from your loss. You alone know the relationship you shared, so you’re really the best judge of how you should go about the healing process. As always, take the lessons learned with you, so going forward, you can maintain loving, positive relationships with the other special people in your life.

Relationship Life Coaching Tips #5 – What to Do When Someone Close to You Experiences a Personal Trauma

The nature of life is such that, occasionally, we all experience traumatic events. We don’t mean for them to occur – they just do. And when a friend or close family member suffers from an upsetting event, it’s important to know what to do to help them through the aftermath.

When you’re in this position, you’ll feel unsure, confused, and may not know what to do or say to help.

Consider these strategies whenever someone close to you suffers a trauma:

1. Use your past knowledge of the person. Is he usually quiet? Does she talk your leg off normally? Consider how they might respond to the troubling event they’ve recently experienced.

* Anticipating how your friend will behave can help you be better prepared to be the best friend you can be to your cherished loved one.

2. Be supportive. When you’re near the person, think about what you could to do help them most. Focus your efforts. Do they usually enjoy going for a walk or out to coffee? Maybe they’ve always loved going to lunch at a particular restaurant. You can be supportive by inviting your friend to do things they enjoy.

* If she doesn’t appear interested, consider inviting her to a quiet dinner and evening watching a movie at your house. Going to your home might be a more relaxing, less overwhelming experience for your friend than going out.

* Allow your loved one to move at his own pace. He must experience his journey as he chooses.

3. Acknowledge to your friend that you’re sorry about what happened to them. Sometimes, a statement as simple as, “I’m so sorry this happened to you” can be all that’s necessary to give your friend the opportunity to talk openly about how they feel.

* Giving this simple “sorry” also provides important acknowledgement to your friend that you recognize he’s been through a major event in his life. Doing so is at least one step closer to showing you’re interested in understanding how he feels.

What to Do When Someone Close to You Experiences a Personal Trauma

What to Do When Someone Close to You Experiences a Personal Trauma

4. Tell your friend you’ll be there for them at any time. Make it clear your friend is free to call you or drop by to your home whenever he feels like it. Even though it might take some effort on your part to be on stand-by for them, later on, you’ll be glad you did.

* Strive to do whatever it takes to come to his aid.

5. Call your friend more frequently than usual to check in with them. Share information about your day or what you’ve been doing. Talk about the book you’re reading or how your kids are doing in school. Hopefully, your friend will do the same. Be positive.

* Taking this step will begin to normalize your friend’s life again, which is usually welcomed, given the unusual trauma they’ve recently experienced.

6. Listen. Many times, someone who’s gone through a troubling time simply wants to talk about it. It’s not even necessary to comment or give your opinion of what your friend has been through. As long as you’re listening, they know you care.

7. Have patience. Because your friend might not recover in the same way that you would or that you expect him to, patience will come in handy. There’s no defined timeline for getting over a traumatic event. Therefore, having patience will enable your friend to re-blossom at a pace necessary for him.

When someone you care about experiences a traumatic event, it might take them a long time to fully recover from it. However, you can serve as a great support to encourage your friend to gradually get back into the swing of life.

Following the simple steps above will aid you to provide the special assistance your friend needs to continue peacefully down life’s path.

Your optimism, confidence, and personal fulfillment will prosper when you reach out to help a loved one in need.

Previous article: How To Seduce Women Yellow Pages Of Relationship 2013 Edition

Safe Investment Strategies For Would Be Casanovas

Introduction To Safe Investment Strategies For Would Be Casanovas

“Rule No.1: Never lose money. Rule No.2: Never forget rule No.1.” – Warren Buffett

Assets are less ideal than income when you need money to spend in the short-term.

Investment strategies that focus on income make more sense as one nears retirement age.

The main component for determining the amount of that income is risk.

The greater risk one is willing to take on, the greater the potential for a high-income stream.

Safe Investment Strategies For Would Be Casanovas

Safe Investment Strategies For Would Be Casanovas

3 Types of Investment Income

Variable Combines stocks as well as fixed income instruments.
Predictable Income that can be expected but is not guaranteed.
Guaranteed Income guaranteed by a government or insurance company.

Variable Income Investment Strategies

Can outpace inflation and grow wealth over time.
Allows for consistent and reliable stream of income.
While the income will be less than that generated by a 100% income strategy, there will still be some income while providing asset growth as well.

Predictable Income Strategies

Predictable income strategies are generally safe and reliable investments, but all of these investments are on a sliding scale with regards to risk.

For example, some bonds are very low-risk investments, but there are also very high-risk bonds.

Examples of Predictable Income Strategies

Dividend income from stocks

Portion of profits that a company earns and pays back to investors
Look for stocks that pay good dividends over time.

Dividend income funds

Focus on stocks that consistently pay dividends to investors
Managed by investment professionals.

Corporate Bonds

Individual loans money to a corporation.
Businesses in a riskier financial situation pay more for the privilege of borrowing your money.

Bond Funds

Invests almost exclusively in bonds and other debt instruments
Different funds have different rates of return depending on the quality of the investments.

Guaranteed Investment Strategies

There are three (3) types of guaranteed investment strategies:

Treasury bills
Fixed annuities
Certificates of deposit (CDs)

Guaranteed Investment Strategies: Treasury Bills

Short term – less than a year.
Purchased in denominations of $1,000 and maximum is $5M.
Maturities are typically 4, 13 or 26 weeks.
Do not pay interest.

Guaranteed Investment Strategies: Fixed Annuities

A fixed annuity is a contract issued by an insurance company that makes fixed payments over the term of the contract.

The contract typically ends when the person receiving the payments dies.

Guaranteed Investment Strategies: Certificates of deposit (CDs)
Saving certificate issued by commercial bank

Pays interest to the purchaser.

Maturity typically 1 month to 5 years
Interest rate is fixed and compounded daily

Guaranteed by the federal government

Which Strategy is Right for You? Ask:

What is my time horizon?

How long are you looking into the future?
Longer time frame allows for greater risk.
Shorter investments: Be more conservative.

What is an acceptable risk?

Higher worth allows riskier investments.
If risk makes you uncomfortable, invest conservatively.

What is my expertise?

There are some investments that are better left to the experts, like junk bonds.

Safe Investment Strategies For Would Be Casanovas – Investing in Bonds

The basics of investing in bonds are really quite simple.

Remember that you are lending money to a company or government that issues the bond.

The bond is simply an agreement to repay the face value on the bond plus a specified interest within a specific period of time.

Things to Consider When Investing in Bonds

Things to Consider When Investing in Bonds

Things to Consider When Investing in Bonds

1. Risk and bond ratings

Bonds are rated for risk. AAA bonds are the safest. BB or below are ‘risky‘. Risk is based on growth potential, financial stability and current debt.

2. Buying bonds

Sold over-the-counter (OTC). Sold in $5,000 increments. Quoted as a percentage of the face value.

3. Interest

Typically paid every six months Interest rate is based on the face value of the bond. Bonds with longer maturity dates tend to pay higher interest rates to take into account the unpredictability of the future.

Investing in Bond Funds

These funds are similar to stock mutual funds. The only significant difference is the type of investments the fund manager utilizes.

Bond funds and dividend funds are frequently less volatile than stock funds and can also provide the investor with a steady stream of income.

As with all mutual funds, there are different levels of risk and return. Ensure the fund you choose is a good match for your risk tolerance.

Things to Look at When Analyzing Bond Funds

1. Expenses

Avoid funds with over-average expenses.
Expenses are more important with lower risk funds

2. Fund’s Credit Risk

Mutual funds invest money in companies with differing degrees of credit worthiness.
Higher risk bonds and dividend-paying stocks can sometimes lose intrinsic value, which would lower the value of your investment and reduce your income stream.

3. Interest rate risk

People are willing to pay more for a bond that pays more interest than one that pays less.
Long-term bonds are more sensitive to the potential rise in interest rates.
Interest rate risk is frequently higher when interest rates are low.

“Money isn’t the most important thing in life, but it’s reasonably close to oxygen on the ‘gotta have it’ scale.” – Zig Ziglar

Alternative Investment Strategies AIS is a large British investment fund dedicated to investing in hedge funds. Established in December.…Safe Investment Strategies

General Investing Tips

Have a Budget

Know where your money is going so you can allocate more money to investments.
The more money you can invest, the more investment income you can generate.

Invest automatically

The more your investment activities can be put on autopilot, the more likely you are to invest money consistently.
This includes 401(k)s, automatic withdrawals, and investing first before paying your bills.

Avoid moving your money around too much.

People have a natural knack for moving their money at exactly the wrong times. Once you’ve found a good place for your money, try to leave it alone.

Stay on top of your investments

Even if you have professionals investing your money for you, it’s important to stay on top of things. It’s your money.
Don’t be afraid to ask questions.

Keep learning

Even if you’re not investing your money yourself, the more you know, the better off you’ll be.

Points to Note

There comes a time in most people’s lives where income is more important than the value of one’s assets.

As with any other type of investing, it’s important to be aware of your goals.

Conclusion of Safe Investment Strategies – Questions to Ask Yourself

How much investment income do you need to have each month?
When do you need the income?
How much risk can you subject your investments to?
How much can you afford to lose in the near future?

Conclusion

If you lack the expertise to invest in fixed income investments, don’t hesitate to get professional assistance. There are many experts out there waiting to help.

Always continue to learn more about money and investing. The more you know, the better decisions you’ll make.

Don’t wait to get started. A strong, steady stream of income can be yours if you take the right actions and get busy!

Things to Look at When Analyzing Bond Funds

Things to Look at When Analyzing Bond Funds

Safe Investment Strategies For Would Be Casanovas Worksheet

Planning is the most crucial step towards achieving any objective, and dealing with the financial challenges of growing your investment income is no different. Answering the following questions will help you along the path to augmenting your income with investments.

1. How much investment income do I need? When?

2. Do I have a budget? What are my expenses? Could I be investing more?

3. What is the level of risk I’m willing to assume?

4. What investing strategy makes sense for me – variable, predictable, or guaranteed? Why?

5. Do I have the level of expertise I need to be successful? What else do I need to learn?

6. Am I familiar with the different types of income investments? Which ones peak my interest?

7. Should I take advantage of professional help and spread my risk with mutual funds? Or do I enjoy the challenge and control of investing in individual instruments?

Which strategy do I feel will benefit me most at this time? Why?

Previous article: Home And Small Business Finance Tips For Would Be Casanovas

Home And Small Business Finance Tips For Would Be Casanovas

Here are one of several collections of useful Home And Small Business Finance Tips For All The Casanovas Of Stump Town Confidential readers.

The Home And Small Business Finance topics covered are the following – Easy Cash Flow Tweaks To Solve Living Paycheck to Paycheck, How to Be a Frugal Business Owner, How to Recover From Business Budget Busting Mistakes, How To Deal With bad Business or Personal Debt, The Pros and Cons of a Business Loan To Start a Business, How to Get Organized for Tax Season, How to Kick-Start Your Savings Plan, How to Improve Your Financial Communication at Home, Best Budget Planning Tools to Consider And How to Plan And Modify Your Household Budget.

Living Paycheck to Paycheck? A Few Tweaks to Your Cash Flow Can Make a World of Difference

If you’re living paycheck to paycheck then you know it’s an incredibly stressful way to live. And chances are, some months you have to go into debt to manage your expenses. This debt can snowball and before you know it you’re in over your head. You might be surprised to know that a few tweaks to your cash flow can make a huge difference in your life.

#1 Make a Budget with Dates and Deadlines

If you don’t have a budget, make one. Right now. Today. A budget will quickly show you where you’re spending your money and where you might be able to save. And instead of making a traditional budget, create one that lists when your income is received (when do you get paid?) and when are your bills due. This simple step will help you see when you have money coming in and when it’s going out.

#2 Change Payment Dates

Using the dates on your budget, you can begin to see when you often have money in your account and when you don’t. This is important and it can help you save. For example, imagine you get paid on the first and your bills aren’t due until the twentieth.

That leaves you twenty days to spend your money and by the time the twentieth rolls around you don’t have enough to cover your bills. Change your dates to better match your payment dates. If you get paid on the first, set your bills to be paid on the fifth. And if you can’t change your payment dates, pay the bill ahead of time or set the money aside in a separate account so you don’t spend it.

#3 Cut out Luxuries – Just for a Little While

If you’re often over budget, cut out your luxuries for a few months. This accomplishes two things. It helps you see what luxuries are really worth your money and which ones aren’t. It also helps you get caught up with your debt. When you’re back in the black, you can begin to add a few important luxuries back into your budget.

Home And Small Business Finance Tips For Would Be Casanovas

Home And Small Business Finance Tips For Would Be Casanovas

Finally, create an emergency fund. Do this before you pay down any debt. Your emergency fund may take months to create. Do it anyway. If you can only save ten dollars a week then that’s all you can save. The goal is to set aside a thousand dollars in a separate account. This account shouldn’t be too easy to access. It’s for emergencies. Now, whenever you unintentionally exceed your budget you don’t have to panic or go into debt. You can borrow from your emergency fund to make up the difference.

Small Business Finance Tips – How to Be a Frugal Business Owner

The art of frugality is often practiced at home. Yet the frugal business owner can build their business faster, and pocket more of the profits. It’s a less stressful way of owning and running a business, too. If you’re looking ahead and wanting to cut back on your spending and make more money, you’ll enjoy these tips on how to be a frugal business owner.

Tip #1 Free Software and Applications

Let’s face it, there are literally thousands of software products and applications that can help you run your business more smoothly. They range from invoicing software to communication tools. And while you can most certainly pay for these products, there is almost always a free alternative. Many of these free alternatives come in the form of open source products, which can have risks. However, with a little care you can automate much of your business with top-quality technology for next to nothing.

Living Paycheck to Paycheck? A Few Tweaks to Your Cash Flow Can Make a World of Difference

Living Paycheck to Paycheck? A Few Tweaks to Your Cash Flow Can Make a World of Difference

Tip #2 Budget

Don’t have a budget? Create one using one of those free software products or applications just mentioned in #1. Your budget will show you areas where you can cut back on your spending and it can help you keep more money in your pocket.

Tip #3 Analyze Everything

Analyze your budget. Analyze your advertising spending. Analyze your contractors. Anytime you consistently spend money on something, create a system to analyze and assess the results. For example, if you’re spending $500 a month on advertising you probably want to make sure you’re at least earning $501 back from the ad.

Tip #4 Outsource

Why pay someone to do something that you can do yourself? Because it often makes good financial sense. Outsource the tasks that take you a long time to complete and use that free time to focus on business building tasks.

Tip #5 Barter, Partner, and Negotiate

Instead of always paying for products or services, look for ways to pay less. For example, if you need someone to write a sales page for you, ask for a discount or look for a way to partner or trade with them. You might be able to overhaul their website or market their services to others. Look for ways to establish a mutually beneficial relationship without spending money.

Finally, look around your office and explore ways you can cut back on simple things like office supplies. Can you buy in bulk and save money? Can you reduce your use of electricity, paper, and ink? Can you get a free business phone number with Google and eliminate your monthly business phone bill? There are many ways a frugal business owner can cut back and save money. Start exploring your options.

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Business Budget Busting Mistakes and How to Recover

Controlling your cash and staying on budget is one of the most important elements of surviving and thriving in business. Yet, even the most financially savvy people make mistakes. Understanding these mistakes can help you avoid them, and should you make them, the following information can help you recover more quickly.

How to Be a Frugal Business Owner

How to Be a Frugal Business Owner

Mistake #1 Not Having a Budget

Okay, this is perhaps too obvious of a mistake but it’s a common one nonetheless. People are gung-ho to make a budget for their household finances, but they become negligent when it comes to their business finances. Create a budget using whatever tools necessary and stick to it.

Mistake #2 No Emergency Savings

Business emergencies arise unexpectedly, just like personal finance emergencies. You need a new shopping cart software; you need to hire a new administrative assistant or your computer dies. If you don’t have an emergency savings account, these unexpected expenses can bust your budget.

Mistake #3 Revenue Doesn’t Mean Positive Cash Flow

Business owners have a tendency to spend money as they receive it without paying attention to their outgoing expenses. This can be particularly true of self-employed business owners. Revenue doesn’t mean you have good cash flow. And again, this is why it’s important to have a budget. Know how much you have coming in and when it’s expected and know when your bills and financial obligations are due.

Mistake #4 Forgetting about Taxes

Most businesses need to pay quarterly taxes, though some can get away with only paying annually. Yet this tax obligation never fails to take business owners by surprise. Include a tax savings category in your budget and set money aside each month to cover your financial obligation to the state and federal government.

Mistake #5 Not Automating and Creating Financial Systems

Simply creating a budget isn’t enough. Ideally, you’ll assess that budget on a monthly basis to make sure you’re on track. Small changes can make a huge difference to your cash flow. Automate as much as you can using budgeting applications and software.

Business Budget Busting Mistakes and How to Recover

Business Budget Busting Mistakes and How to Recover

And speaking of cash flow, make sure to stay on top of yours. Not paying attention to your cash flow, which is literally the flow of cash into and out of your bank account, can cause you go have to borrow to make ends meet. Once the borrowing begins, it can be a challenge to get out of it. Be aware of your finances at all times and use a budget to help you stay in the black.

Business or Personal Debt Got You Down? Tips to Get Control over Your Spending and Reduce Your Debt Quickly

Debt can feel overwhelming. If you’re struggling with debt, the stress and weight of that financial obligation can bring you down. It affects your attitude and your outlook on life. This kind of stress and negativity isn’t good for your business, nor is it good for your personal life.

If you’re struggling with debt and your spending is out of control, here are a few tips to help you get back in the black quickly.

#1 Learn Your Debt to Income Ratio

Your debt-to-income ratio (DTI) compares your monthly debt expenses to your monthly gross income. You can calculate it quickly if you know your monthly debt payments and your monthly gross income (the money you make before taxes are deducted). Multiply your number by 100 to get your DTI as a percentage.

Ideally, you want to keep your DTI below 40%. In fact, the closer it is to 30% or less, the more favorably financial institutions will look on you. If you’re wondering whether it’s okay to take out a loan or use that credit card, calculate your current DTI. The percentage will help you make your decision.

#2 Increase Your Payments

If you’re struggling with debt, focus on one loan or credit card to pay down first. Make extra payments on that card. It’ll help reduce the interest you owe and a few extra payments each year can make a huge difference.

#3 Create a Budget and Stick to It

It’s very difficult to know how to cut or control spending if you have no idea where your money is going. Track your spending for a month and then use that information to create a budget. Review your budget monthly to make tweaks and changes.

#5 Automate

Automate as much of your financial life as possible. Automate your savings by setting up automatic transfers into your savings or investment accounts. Automate your bill payments and automate your deposits. Now, make sure to also track the dates that payments go into and out of your account. You want to avoid any overdraft fees. Some financial institutions and utility companies allow you to set your monthly payment dates. This is useful because it gives you more control over your cash flow.

Finally, create a cushion. Establish a savings account that is only to be used in financial emergencies. When you unintentionally go over budget, use the cushion to cover it and then rebuild your cushion. Ideally, you’ll have at least a thousand dollars in your savings account for unexpected financial emergencies.

Business or Personal Debt Got You Down? Tips to Get Control over Your Spending and Reduce Your Debt Quickly

Business or Personal Debt Got You Down? Tips to Get Control over Your Spending and Reduce Your Debt Quickly

Don’t let debt get you down. You control your money and your financial future. Start taking steps to show your bank account who is boss.

Should You Borrow Money to Start a Business? The Pros and Cons of a Business Loan

Starting a business is an exciting time. There are plans to make, goals to establish, and a business to launch. And unfortunately, starting a business costs money – often more money than you may have. This causes a conundrum. Do you borrow money to start your business or pursue another course of action? You could continue to save money until you have enough.
There are of course pros and cons to both decisions. Let’s take a look at both to help you make the best decision for your financial future.

Pros of Borrowing Money to Start a Business

* Get started right away – One of the biggest, and most tempting, benefits of borrowing money is that you can start your business right now, while you have momentum and enthusiasm.

* Tax write off – In most cases, but not all (please check with your accountant), you can deduct the interest you pay on a business loan.

* Feedback – Depending on who you’re borrowing from, you may receive feedback on your business plan or idea. This can be invaluable. Investors, banks, or personal lenders may be able to point out potential flaws in your plan. You can then fix them before you launch.

There are many ways to borrow money to start your business. You can borrow from a bank, from friends and family, or you can borrow from a credit card. Each lender comes with its own set of pros and cons, so weigh the decision carefully.

Cons of Borrowing Money to Start a Business

* Interest – The biggest downside to borrowing money is the interest you have to pay back. Sure, you can deduct it as an expense but this is still money that you won’t have in your pocket. And it affects your personal revenue and profits. Paying interest means that it can conceivably take you longer to become profitable.

* Stress – Owing money to anyone can be stressful. And it can be a downer when you’re so excited about your business to have debt hanging over your head. Fluctuating interest rates and the application process can be stressful as well. And if you borrow money from friends or family, then the stress of owing money to a loved one can be overwhelming.

On your own or with financial help, the decision to borrow money to start your business is a big one. Weigh the pros and cons carefully. There may be a way to start your business with less capital than you think.

Should You Borrow Money to Start a Business?

Should You Borrow Money to Start a Business?

How to Get Organized for Tax Season With Sound Small Business Finance Tips

You sit down to pay your taxes, and the stack of receipts and paperwork beside you topples to the floor. You begin filling out the paperwork and forms, only to realize you’re missing information. Or you get an angry phone call from your accountant who isn’t accepting your shoebox full of receipts any more.

Sound familiar? This is the reality for millions of people every April. The “why worry about it now?” mentality takes over the other eleven months of the year. Then come April you just want to kick yourself. Whether you’re somewhat organized or your papers are a complete mess, these tips and steps will help you get through your taxes with as little pain and stress as possible.

Gather Your ID Numbers

Keep your tax identification numbers, social security numbers, and social security cards, in a safe place and keep them all together. You’ll need the social security numbers for all of your dependants as well as yourself, and your spouse if you’re married. When you’re filling out your tax forms you won’t have to hunt for this information.

Gather Your Income Forms and Statements

If you’re employed then you’ll want to gather your w-2 forms from the past year. If you’re self-employed, you’ll want to run reports that display your profits, expenses, and income for the past year. You’ll also want to have last year’s tax forms at the ready. This is particularly useful if you are having an accountant file your taxes this year or you’re using a software program to determine your taxes and file them.

You’ll also want to gather all the forms from your various assets and investments. For example, if you own a home you’ll receive a statement from the bank that owns your loan. If you own stock you’ll receive a form from your broker. If you have any type of retirement or investment account, you’ll receive a statement from the financial institution holding those accounts. These forms will outline the money you’ve earned, or lost, for the year. You’ll also receive statements from organizations you’ve donated money to.

Gather Your Receipts

You don’t need to keep every single receipt you had for the entire year. The receipts that are important are the ones that are related to your medical expenses, your childcare expenses, your business expenses and so on. If it’s related to a potential deduction then keep the receipt.

How to Get Organized for Tax Season

How to Get Organized for Tax Season

That’s it. With this information you should be able to sit down and finish your taxes in just a few short hours. Organization saves time and stress, and it ensures you have all the information you need to do your taxes correctly.

small business finance – The House Small Business Subcommittee on Economic Growth Tax and Capital Access is one of five subcommittees of the House Small Business.…small business finance

How to Kick-Start Your Savings Plan

Every time you turn on the news or read a newspaper or magazine, there are money experts telling you to save more money. In a perfect world it’d be easy to save money. Yet if you’re like most people, you spend your time playing catch up and trying to stay out of debt.

Saving money is a luxury. As it often is with goals, if you can get a head start and some momentum it’s much easier to follow through. The following tips will help you kick-start your savings plan and get the momentum you need to achieve your financial goals.

Before you get started, establish a savings goal and a purpose for your savings. You may have several savings goals. For example, saving for retirement and for a tropical vacation. If necessary, focus on one goal at a time. Get that savings account growing and on track before you shift your focus to another goal.

Tip #1 Know Where Your Money Goes

You probably know how much you earn and the amount of some of your expenses. However, you may not be aware of all of the smaller expenses that slowly deplete your bank account. Track your spending for a month. List every single expense, including those coffee drinks you purchase from time to time. Include every single expense no matter how small. At the end of the month, total the spending in terms of categories.

Tip #2 Use Your Information to Create a Budget

Use the expense tracking information to create a budget. This may sound tedious; however, it will help you control your money. This is the first step to being able to truly achieve a solid savings plan. You have the information to know where you can cut back your spending and thus save more money. Add a savings category to your budget and automate your savings.

Tip #3 Financial Windfalls

Any financial windfalls you receive need to go straight into your savings account. This is where you’ll really start to gather that momentum discussed earlier. If you receive a tax return, put it in savings. If you earn a bit of overtime, put it in savings. If you win $40 with a lottery ticket, put it in savings. If you find a twenty-dollar bill in your jeans when you’re doing the laundry, put it into savings.

How to Kick-Start Your Savings Plan

How to Kick-Start Your Savings Plan

Finally, keep tabs on your savings and watch it grow. This step is motivating because it gives you a sense of accomplishment. Whether you’re only able to save ten dollars a week or a thousand dollars a week, the point is to start saving.

How to Improve Your Financial Communication at Home

People fight about lots of things. One of the most common things they fight about is money. It’s what often comes between two people in love, two roommates, and friends. Improving your financial communication can help reduce or even eliminate these fights. Here’s how to do it.

Tip #1 Don’t Expect Your Partner to Read Your Mind

This is one of the most common mistakes. And it’s the cause of many fights. If you have financial goals, concerns, or even thoughts about your money, then it’s important to share those ideas.

Tip #2 Listen

When you’re discussing financial matters it’s easy to become upset. Feelings of anger, frustration, and overwhelm can creep in and cause you to shut down. However, when you’re discussing money with your partner it’s extremely important to listen to what they have to say. This means asking questions, getting clarity on their thoughts and ideas and then sharing your ideas on the matter.

Tip #3 One Goal, One Conversation

Try to keep money conversations focused on one goal. For example, sitting down to talk about retirement savings, investments, college savings and the growing grocery bill may be too much to handle in one conversation. Choose the topic you’re going to discuss and keep conversations focused. You’ll be more likely to have a successful conversation.

Tip #4 You’re in This Together

When discussing money it’s easy to fall into negative conversation habits that include blame and claim. “My money” and “your fault” are two examples of phrases that shouldn’t be used. Instead try “our money” and “we need to do better.” Work together to create goals and solve money challenges.

Tip #5 Choose the Right Time and Place

There are good times to have a money conversation and bad times. For example, at the end of a long and stressful day probably isn’t the best time to have a serious discussion. It can make sense to schedule conversations. This way everyone comes to the table prepared for the discussion and with the right mindset.

Tip #6 Choose the Right Tool

Some people try to avoid conflict by having financial discussions over the phone or via email. Face to face is always the best way to discuss important topics. This way you’re able to connect and there are fewer opportunities for miscommunication.

Tip #7 Be Honest

Money can be a bit of a power struggle. When this happens, you’ll either give up power or take it from your loved one. This isn’t a healthy approach. It’s important to be honest with yourself and with your spouse or loved one when you’re having a money conversation. Remember, you’re in this together and there’s no room for dishonesty or power struggles.

How to Improve Your Financial Communication at Home

How to Improve Your Financial Communication at Home

Financial communication can be difficult, particularly when your finances aren’t where you want them to be. However, with good communication you can make big strides toward improving your financial situation and achieving harmony.

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Best Budget Planning Tools to Consider

There’s no single budget planning tool that’s right for everyone. And if you’re keeping a budget, which is a fantastic way to stay in control of your money, then you want to choose the right tool for you. When you have the best budget planning tool for your needs and style, you’re more likely to create a good budget – and to stick to it as well.

What’s Your Planning Style?

Some people prefer pen and paper while others prefer to get and stay organized digitally. Take a look around your home. How do you plan? What materials do you usually use and are they successful? For example, do you plan your daily task list on a piece of paper or a pocket calendar? Or do you use a software program or a mobile application on your smart phone?

It’s not uncommon for people to embrace both paper and digital planning. You might first create a daily task list on paper and then transfer it to your digital calendar. That’s fine too. What’s important here is to know what generally works for you and to apply that style to your budget planning system.

Pen and Paper Options

If you’re a pen and paper person, there are many budget planning tools you can utilize. They include (but are not limited to):

* Templates – You can find an abundance of budget templates online. These templates are printable. This means you can print them out for the year, three hole punch them and keep them in a handy three ring budget binder.

* Handmade – Another method is to simply make a list each month of your budget categories on a piece of lined paper. You might use a composition book to keep your monthly budget organized and accessible.

* Spreadsheet – If you prefer pen and paper but you want the functionality of software, you might utilize a simple spreadsheet program like Microsoft Excel. You can create categories and columns to keep your information organized and you can copy the information onto next month’s worksheet to make each month’s budget creation quick and easy. Once your worksheet has been created, print it out, punch it and place it in a three ring budget binder.

Digital Options

We live in a digital age, which means if you prefer digital budget planning then you have an abundance of options.

* Spreadsheet – The same spreadsheet you printed out can be left on your computer and used digitally. In fact, you can create simple equations to calculate your monthly overages and extra cash. This is a simple way to embrace technology.

* Applications – If you utilize a smart phone for most of your planning, you might enjoy one of the many budgeting applications available. These applications allow you to track your budget in real time and enter expenses as they’re incurred.

* Software – Budgeting software programs have been around for about a decade or more. They often involve a bit of a learning curve but can be used to manage your taxes as well. They can also run reports so you can see at a glance where you are often over or under budget.

Best Budget Planning Tools to Consider

Best Budget Planning Tools to Consider

The most important consideration is following through. Find a budget planning tool that is not only easy for you to set up but is also one that you’ll use every day. A budget only works if you use it.

How to Modify And Improve Your Household Budget

Budgets are exceptional tools that help you stay in control of your money. The simple act of creating a budget, and sticking to it, reduces stress and helps keep your finances in order. However, a budget isn’t something you just set and forget. It’s an adaptable document or plan that needs to grow and change as your finances and financial goals change. Here are a few tips to modify your household budget.

#1 Schedule a Time to Review

It’s important to spend time each month to balance your budget. Total your expenses. Did you stay in budget? Why or why not? Do you have any areas of your budget where you’re under? Great – what will you do with the extra cash? Review your budget each month and make tiny modifications to help you maximize your money.

#2 Set Goals

One of the reasons people create budgets is to understand where their money is going and to make sure they have enough to go around. However, it’s also a powerful tool to help you attain financial goals. In fact, if you’re not using a budget to help you achieve goals, you’re missing out.

Goals can include short-term goals like saving for a vacation and long-term goals like saving for college and/or retirement. Goals can include paying off your mortgage early or saving enough money to afford life insurance. There are any number of financial goals you can use your budget to help you achieve.

#3 Look for Consistencies

When reviewing your budget, look for consistencies. Where are you always over or under budget? These are prime areas to capitalize on. For example, if you’re always under budget in your entertainment category, then you can reduce that category and reallocate the money to a different category.

#4 Look for Inconsistencies

Look for areas of your budget where you’re always off. For example, if your utilities budget is always over or under budget, examine the reason why and see if there are steps you can take to create a consistent monthly amount. For example, many utility companies allow you to pay a predetermined amount each month. This helps you avoid changing your utility budget each season. And it helps you create a budget that’s easier to track and control.

How to Modify And Improve Your Household Budget

How to Modify And Improve Your Household Budget

#5 Don’t Panic

Finally, it’s easy to panic when your monthly expenses don’t match your budget. Don’t panic. Use your budget to help you make changes. It’s also a great tool to take to a credit counselor or a financial advisor.

Creating a budget is a great start. Now take the time to review it and change it as your needs, goals, and finances change. Small tweaks and modifications to your budget can really add up.

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Key To Success In Life – How To Develop Your Strengths

About Key To Success In Life Series – Secrets Of Developing Your Strengths

Few, if any, of us are born with all the traits, talents, and skills that we’d like to possess. Some of us wish we were taller or smarter or more musically inclined. While many things can’t be improved or changed, the good news is that many things can!

You can improve and become the person you want to be. You can possess the abilities you want to have. And you can make all this possible by developing your strengths.

This free Key To Success In Life – How To Develop Your Strengths special report will cover a variety of tools that you can use to regularly be at your current best and, just as importantly, to become the best possible version of yourself.

We’ll explore the importance of finding your passions, meditation, goal setting, visualization, positive affirmations, evaluation, and the incredible power of practice.

“There is no passion to be found playing small in settling for a life that is less than the one you are capable of living.” – Nelson Mandela

Key To Success In Life –  Secrets Of Developing Your Strengths Executive Summary

The key to developing any strength is practice. A weakness can even become a strength with practice. The challenge is getting yourself to practice regularly and intelligently.

The following strategies are important to remember when furthering the development of a strength.

* If you find your passion and develop a strength related to it, practicing will be fun. There’s no reason to spend a lot of time on something that you don’t truly enjoy. Find your passion first.

* Develop a goal. Having a goal is choosing to control the direction of your life. Otherwise, you’re depending on luck to get wherever you end up. Review your goal daily.

* A goal should be specific, measurable, and have a deadline. To be most effective, all 3 characteristics must be present.

* Use meditation to learn to focus your thoughts and energy. The average office worker spends less than 2 hours per day actually doing constructive work. Do you focus better than the average worker?

* Learn to focus. It’s relaxing for your mind and you’ll get much more done.

* Use affirmations to replace negative self-talk. Simply turn the negative stuff around into something positive and supportive.

* Use visualization to see yourself already being successful. Experience your visions with all your senses.

* Measure your progress. This not only includes progress toward your goal, but also how well you’re doing with reviewing your goal, your self-talk, level of focus, and more.

* Practice, practice, practice. The more you practice, the more you’ll develop. But practice intelligently; have a plan and work on the most important things.

Key To Success In Life - How To Develop Your Strengths

Key To Success In Life – How To Develop Your Strengths

If you want to develop your strengths, you need to identify them and then practice. Anything that will help you spend more time practicing and practice more effectively is invaluable to your long-term development.

Finding Your Passions

You can only reach your ultimate development in those areas in which you have passion. For example, you can never become a truly great golfer if you don’t even like to play.

Perhaps you’re fortunate enough to already know what you are the most passionate about. Or maybe you feel that you’ve never had the chance to really consider your aspirations. In that case, take some time now to find your passions.

Your greatest strengths will ultimately be those things that you do, practice and develop the most. It only makes sense to spend all that time on something that you love.

Here is a sure-fire plan to find your passions:

1. Consider your history. Looking back, what are the things that you’ve enjoyed the most? What are some things that you’ve always wanted to try but never have? What things have you naturally been really good at? Sometimes the answers are inside us, so think about it and see what floats to the surface.

If there is something you’ve always want to do, give it a try and see how much you enjoy it. You don’t really know anything if you don’t experience it for yourself.

2. Ask yourself, “Could I see myself doing this regularly over time?” It might be a blast, but if you only want to do it twice a year, it’s not a passion. A passion is something that you want to learn all about and develop a real level of expertise for.

That doesn’t mean you must have the capacity to become world-class. If you’re 60 years old and love tennis, you might not win on the world competitor circuit, but you can certainly spend some time each day playing tennis, if that’s what you want to do.

It’s the activity or subject that you would reach for when you have free time available to you.

3. Do the following exercise:

Take a blank sheet of paper and write at the top, “My Passions.”

For the next 30 minutes, at least, write whatever comes to mind. That means if you find yourself thinking, “This is crazy… I don’t want to do this,” then that is exactly what you write. Just keep writing. A lot of mental junk will come out and that’s okay.

When you write something that looks good to you, simply circle it. Keep writing, don’t stop until at least 30 minutes have gone by.

You’ll know it when you hit on the right item.

4. Keep your options open. You don’t have to decide today what your passions are. The point is to fully investigate and give all the possibilities a fair chance.

5. Consider if there is a way to make it a career. Maybe you can make money at your passion. Maybe you can only do it part-time. But consider the possibilities. If your work is related to your greatest passion, it’s like you’ll never have to “work” again!

Finding Your Passions

Finding Your Passions

Let’s look at our tennis example. You could:

Give lessons
Coach at the high school or college level
Work at a health club / racquet club
Have a tennis-related website
Write a book or articles about tennis
Become a reporter on professional tennis
Run a tennis camp or training center
Start an inner-city tennis program

One way to measure success is by the amount of time you get to spend on those activities that you enjoy the most. Don’t settle for spending your free time on television.

Find something that you’re passionate about and you’ll be in a much better position to develop your strengths and enjoy a wonderful life.

“Passion is energy. Feel the power that comes from focusing on what excites you.” – Oprah Winfrey

Meditation

When you hear the word ‘meditation’ do you envision a slender vegetarian sitting on a pillow? You’re probably not alone, but meditation is a tool that can be used by everyone. You can consider the pillow to be optional.

The truth is meditation can be done every waking moment. Sitting on a pillow in a peaceful, quiet, low-light situation is like meditating with training wheels – it’s mediation under ideal circumstances.

By learning to meditate when it’s easiest, it will be possible to mediate on a loud, smelly, subway while you’re angry with your spouse and stressed about work.

Outliers The Story of Success is a non-fiction book written by Malcolm Gladwell claiming that the key to success in any field is to a.…key to success

While there are all kinds of meditation, we’re going to use it for two purposes:

1. Meditate to stay focused. You might have heard of the idea of ‘mindfulness’. This is simply the idea of staying focused on what is in front of you. So, if you’re washing the dishes, you’re only thinking about washing the dishes. If you’re playing tennis, you’re only thinking about playing tennis.

Try this test. Find a quiet place where you can be alone. Simply sit there and breathe. Now count every exhalation. See how high you can get before you start thinking about something else. If you can’t make it to 100, you have some work to do. Most people can’t reach 10 at first, so don’t feel bad.

Staying focused has many benefits. First, you can’t be your best at anything if you’re thinking about other things. Your mind can only think about one thing at a time. Now, it can move back and forth rapidly between several things, but can only focus on one thing at a time. You’ll never develop your strengths fully without focus.

It becomes difficult to be stressed if you are only thinking about the present moment. Stress and anxiety come from reliving unpleasant memories or imagining unpleasant things that haven’t happened yet. Stay in the moment, and the mental relaxation is there for the taking.

You get to live your life. If you’re living in the past or the future, you’re not living your life. Life can only be lived at this very moment. Everything else is just imaginary.

You get more done in your everyday life. When you’re fully absorbed with the task at hand, you are more efficient and get more accomplished.

2. To deal with fear and anxiety. It is our fears and resistance that stop us from achieving great things. It’s very difficult to fail if you have a purpose and continue towards it until it is accomplished. Remember, it is our doubts and fears that stop us from trying.

When you know what you should do, but can’t get yourself to do it, focus on the issue. Close your eyes and really think about it. Try to be dispassionate about it and notice the thoughts, feelings, and body sensations that arise. Continue doing this until you feel nothing. If you examine any feeling long enough, it disappears.

It might take more than one meditation session. You can’t just think about it for 2 minutes. You already do that and it doesn’t work. Stop seeking shortcuts! Spend 30 to 60 minutes examining it.

Passion is energy. Feel the power that comes from focusing on what excites you

Passion is energy. Feel the power that comes from focusing on what excites you

Focus and meditation are incredible tools and perhaps two of the most important skills that a person can learn. They are skills that anyone can learn to do them well. The key is to start where you are and keep improving.

Before you know it, you’ll have the focus of a Zen monk and developing your other strengths will come easily to you.

“If we know the divine art of concentration, if we know the divine art of meditation, if we know the divine art of contemplation, easily and consciously we can unite the inner world and the outer world.” – Sri Chinmoy

I strive to be physically active.

Because I endeavor to strengthen my health and provide for a long life, I do whatever I can to be more physically active.

Even on days that I feel tired, I find that performing physical activity, such as walking, jogging, exercising, or doing calisthenics, brings me great energy.

In the mornings, I like to go for a jog. If the weather is unfavorable for outdoor exercise, I stay inside and complete a yoga routine or an aerobics DVD. After having lunch or during a mid-afternoon break, I often take a 10- or 15-minute walk.

At work, while sitting at my desk, I do simple shoulder exercises or leg lifts. I concentrate on building and maintaining a strong body core.

After work, I set a goal to accomplish something physical before bedtime. I might sweep, vacuum, or mop the floors. Maybe I’ll spend an hour washing the car or mowing just to stay on my feet.

When I feel particularly challenged regarding getting some physical activity, I call a friend or recruit one of my kids to take a bike ride or play a game of basketball or touch football with me. Afterward, I feel a wonderful sense of accomplishment.

I am happy about my efforts to keep my physical energy burning brightly.

Today, I make my exercise regimen a daily priority. I understand that my reward for staying physically active is continued good health and the opportunity to live a long, vital life.

Self-Reflection Questions:

1. What kinds of physical activities do I enjoy?
2. Am I physically active every single day? If not, what are the reasons I avoid exercise?
3. How can I ensure that I maintain a solid level of physical activity daily?

I strive to be physically active.

I strive to be physically active.

Goal Setting

Goals can be used to accomplish certain tasks, like winning your local tennis tournament. But goals can also be directed toward developing a certain skill. Think about what would be most meaningful to you and develop a goal around that.

To have the best chance to accomplish anything, having a goal is a huge advantage. Without the intention of accomplishing something specific, there’s really no telling where you might end up. Have a specific destination in mind and you can determine the course of your life.

To be the most effective, a goal needs the following components:

1. A specific time frame. If you don’t have a deadline, when will it ever get done? Most of us are already great at procrastinating. A goal without a deadline is not a goal.

Limit your goals to no more than 8 weeks. It’s difficult to stay focused for longer than 8 weeks. Big goals that require more time will have to be broken down into multiple goals, or steps, that can each be achieved in a short time frame.

Be specific. Set a specific date for your deadline.

2. It is measurable. There should be no doubt in your mind whether or not you’ve accomplished your goal. “Be happy” is tough to measure. But, “be as happy as I was on vacation last year, at least 90% of the time …” is more measurable.

Some things are easy to measure: money, weight, calories, and more. Others are a little trickier. Be creative! If you can’t measure it, you can’t really know whether you were successful or not.

3. It is specific. “Lose weight” is not specific. “Lose 15 lbs” is a little better. Lose 15 lbs in 8 weeks by doing XYZ is perfect. If you’re too vague then you’ll get less than great results. You need a specific target if you want to do your best.

For example, if you want to develop your public speaking ability, a good goal might be to give 5 presentations over the next month. Or it might be to participate in a public speaking training program.

Maybe your goal is to spend 5 hours a week practicing your skills.

Goal Setting

Goal Setting

To set yourself up for success at developing your strengths, set specific and achievable goals for what you would like to accomplish.

“Crystallize your goals. Make a plan for achieving them and set yourself a deadline. Then, with supreme confidence,
determination and disregard for obstacles and other people’s criticisms carry out your plan.” – Paul J. Meyer

FORMAT

A good general format to follow is something similar to this:

“On or before [date], I will have done what is necessary to [be able to drive a golf ball in the fairway a distance of at least 250 yards, at least 80% of the time].”

Notice that the above goal has a deadline and specific and measurable criteria.

DAILY ROUTINE

Our lives are the result of our habits. If you have a good daily routine regarding your goals, you’ll be more successful and will develop your strengths more quickly.

Incorporate these strategies into your daily routine for the best success:

1. Visualize achieving your goals before you get out of bed. Visualization will be covered in detail in the next section. Visualize yourself having just achieved your goal. Notice how you feel. If you feel anything other than 100% positive and excited, figure out why. If limiting beliefs are stopping you, then work on changing those self-imposed limits.

2. Read and re-write your goal each day. This will help you keep your goal in mind. Have you ever set a goal, done well for a few days, and then totally forgotten about it? That won’t happen if you remind yourself every day. Put a reminder on your desk, bathroom mirror, or any other place that will work for you.

Visualization

Visualization

3. Visualize again at bedtime.

4. Track your progress. Evaluating your progress will be covered later. You have to give your brain some feedback so you can keep moving forward.

These 4 simple things will only take a few minutes each day and dramatically improve your odds of success. Don’t be fooled by their simplicity. Success comes from doing the right things consistently; that’s much more important than doing anything spectacular.

“A winner is someone who recognizes his God-given talents, works his tail off to develop them into skills, and uses these skills to accomplish his goals.” – Larry Bird

Visualization

We all visualize various things throughout the day. As an exercise, try to remember something without visualizing it. You likely can’t! Why?

Our brains work in pictures. That’s just how it works.

That’s why visualization is a very powerful tool when used properly. It’s also very powerful when used improperly, except that the results are negative.

“Visualization is daydreaming with a purpose.” – Bo Bennett

There are several keys to visualizing anything effectively:

1. Your vision must be believable. You can’t visualize yourself playing in the NBA or making a billion dollars if that is far off for you. Your visualizations should be related to your goal, and your goal should be reasonable (but a stretch) for you.

2. Your vision must be realistic. Don’t visualize having the body of a 24-year-old Greek god if you’re 87 years old. Avoid visualizing having $100,000 on your kitchen table if it would really be in your bank account. Believability is about scale and realism is about practicality.

3. Visualize consistently. Twice a day, at a minimum, will best help you succeed. First thing in the morning and last thing at night works well. It gets your mind in a positive place as you start your day and before you fall asleep.

4. It takes time. It will take some time to be effective. It’s like gaining or losing weight. You can’t gain or lose 10 lbs in a day, but the change over time can be impressive. Stay with it.

5. Work on the big picture. Instead of visualizing only improving your strengths and abilities, visualize yourself as the type of person that would have those strengths and abilities. You need to see and be comfortable with the whole package, not just a piece of it.

HOW TO VISUALIZE

HOW TO VISUALIZE

As an example, if you were interested in being in excellent shape, you shouldn’t just visualize your great body. You should also visualize being the type of person that eats well, exercises daily, and places a high value on these types of behaviors.

Someone interested in improving their financial strength would visualize all the behaviors associated with that end-result: things like spending money wisely, earning more income, investing wisely, and paying bills on time.

6. Be as vivid as possible. Experience your vision with as much sensory detail as possible. Don’t just ‘see’ it – think about what you would also hear, smell, and feel. The more complete the experience, the more you will get out of it.

7. Use any spare moments. We all have moments throughout the day when we’re not doing much. Maybe you’re waiting in the doctor’s office or for a meeting to start. Whenever you have a couple of minutes, put them to use.

Anytime your mind is wandering off to something other than what you’re actually doing, you could be visualizing (or being mindful)!

“Enter every activity without giving mental recognition to the possibility of defeat. Concentrate on your strengths, instead of your weaknesses… on your powers, instead of your problems.” – Paul J. Meyer

HOW TO VISUALIZE

Now that you have the dos and don’ts, here is a simple process to effectively incorporate visualization into your life:

1. Find a good place. Depending on your ability to concentrate, you need an appropriate location. Quiet is good. Minimal visual distractions are good. The bathroom or stairwell can be a good place at work, if you don’t have an office. At home, any quiet spot out of the way of the kids and spouse works well.

2. Take a few deep, slow breaths. Slow breathing calms the mind. It’s the one part of your physiology over which you have a high level of control. Count your breaths, if that helps you to focus.

How To Develop Your Strengths - Positive Affirmations

How To Develop Your Strengths – Positive Affirmations

3. Imagine. It’s no different than any other time you daydream, except now you’re choosing the topic of your daydream. Imagine yourself achieving your goal and demonstrating the strength you wish to develop. Remember to include a lot of detail. Really get into it and keep the experience 100% positive.

4. Keep track of any negative feelings. Write down any potential issues. For example, if you’re visualizing yourself making an ‘elevator speech’ and notice that you’re uncomfortable having other people around, make a note of it. Perhaps you will need to set a goal to resolve this issue or do some other work on it.

A big part of achieving your goal is removing the obstacles. These negative items are your mental obstacles.

Visualization is a way to convince your subconscious that you’ve already done something that you haven’t. Beliefs that don’t support your visualization will start to fade away. New beliefs will begin to develop.

Visualize daily and you’ll change your life.

“If I had one wish for my children, it would be that each of them would reach for goals that have meaning for them as individuals.” – Lillian Gordy Carter

http://www.youtube.com/watch?v=GXySSGkbqG0&feature=youtube_gdata_player

Key To Success In Life – How To Develop Your Strengths – Positive Affirmations

Visualization is a great tool, but it’s not the only tool. The other half of the puzzle is managing self-talk. We all say things to ourselves, constantly. One way to minimize self-talk is to be mindful and focus on the task at hand. But anytime there is self-talk, it should be positive.

These techniques will help you use affirmations to your best advantage:

1. Make a list of all the things you say to yourself that are negative and do not support your goal.

Don’t record the neutral stuff. Things like, “I need to fill up my gas tank” are inconsequential. On the other hand, “I need to fill up my gas tank… how can I be such an idiot to not fill it up the night before” is worth writing down.

2. Re-write your list. Take all the negative things and re-write them into a positive version. For example: “I can’t speak in front of 100 people” might become, “I can easily speak in front of 100 people or more.”

Again, remove the obstacles to your success. If you want to develop your strengths, it’s much easier if you remove the obstacles.

3. Monitor yourself 24/7. If you’re awake or dreaming, monitor your self-talk. Anytime you observe negative self-talk, replace it with something positive and repeat it to yourself several times.

Be vigilant. It’s important to catch the negative stuff as soon as possible. It will take some practice, but it won’t be long before you can catch yourself in the first couple of seconds. With enough practice, negative self-talk will be a thing of the past.

4. Create a separate list. Make a list of positive affirmations that would be useful to believe. Consider what someone would believe to accomplish whatever it is you’re trying to do.

Develop success from failures. Discouragement and failure are two of the surest stepping-stones to success

Develop success from failures. Discouragement and failure are two of the surest stepping-stones to success

5. Read through that list daily. Each day, read through your list. Read it to yourself. Read it aloud. You might even re-write the ones that are the most significant. Expose yourself to them regularly. You could even record them so you can listen to them as well.

Affirmations have been around a long time for a reason: they work!

“Develop success from failures. Discouragement and failure are two of the surest stepping-stones to success.” – Dale Carnegie

I love myself unconditionally and accept myself as I am.

Even though I sometimes make mistakes, I am a great person. I love myself unconditionally and accept myself as I am. I make an effort to treat myself with kindness and respect. I deserve it.

I have qualities and talents that make me unique and special – unlike anyone else in the world. I have value.

I deserve to be loved. I love myself and am loved by others. I realize that being perfect is a fantasy. I am good enough as I am to be loved and accepted.

I recognize my strengths and talents and forgive myself for my past mistakes. I acknowledge that I am worthy and deserve all the good things in life. I am wonderful.
I honor my best parts and freely share them with the world.

I allow myself to shine.

I am accepting of others as well as myself. It is only through acceptance that my potential can be fully realized.

I am my own best cheerleader. I welcome the support of others, but I have enough support even when standing alone. I am an awesome person and worthy of great things.

I accept all my faults and shortcomings. I am worthwhile.

Today, I give myself permission to be greater than my insecurities. I love myself totally and completely. I accept myself just the way I am. I am a fine person and deserve a good life.

Self-Reflection Questions:

1. What are some things I love about myself?
2. Do I fully accept myself?
3. How can I better love and accept myself?

I deserve and accept love.

I deserve love. I accept love in my life and can see love all around me. It is natural for me to feel loved. I love others and they love me.

I love myself unconditionally and accept myself as I am.

I love myself unconditionally and accept myself as I am.

I know that I am a good person. I am deserving of the admiration and affection of those in my life. I am accepting of all the positive feelings that come my way. People admire and respect me. I feel loved at all times.

I am thrilled by the number of people that give me love every day. I am fortunate to receive so much admiration. Love comes to me quickly and naturally.

I am a love magnet.

The more I love, the more love is returned to me. I am worthy of great love and deserve to be loved completely and fully. I attract loving and beautiful people into my life. My greatest gift is all the love I receive daily.

I find that love comes to me easily. I deserve to have good people in my life. I am blessed to be on the receiving end of so much love. Love is a constant part of my life.

I see love everywhere.

Today, I joyfully realize how loved I really am and I am grateful for so much love in my life. I know that I deserve this love and accept it now.

Self-Reflection Questions:

1. Who loves me?
2. What are my most endearing qualities?
3. Can I let love into my life every day?

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I deserve to be happy and successful.

Everyone deserves to be happy and successful, including me. I know that happiness and success are things that I create in my life. So I purposely take certain actions that facilitate my happiness and success.

I also focus on the good things that life has to offer rather than spending my energy bemoaning my challenges.

I deserve to be happy and successful.

I deserve to be happy and successful.

I am a good person. I do many fine things. I am kind, generous, and I work hard. All these things contribute to the joy and fulfillment in my life.

I deserve to experience great happiness on a daily basis. I am certainly worthy of it. I remind myself of all my blessings on a regular basis and find it easy to experience happiness.

Even if happiness and success try to elude me, I know that I can catch them. I have all the ability I need. I have all the talent I require.

Success and happiness are mine!

I see success over and over in my life. I use my past successes to provide confidence now. Success and excellence are a part of who I am.

Today, I take positive steps to ensure my happiness and success. I spend time doing things I love to do. I surround myself with loving people. I renew my commitment to my goals. And I deserve to be happy and successful.

Self-Reflection Questions:

1. How happy and successful am I right now?
2. What are some things I can do to improve my levels of happiness and success?
3. Why do I deserve to be happy and successful?

Evaluation

Imagine trying to lose weight, but never having the opportunity to weigh yourself or see yourself. How would you know if your diet and exercise program was working? No matter what you’re trying to accomplish, it’s important to measure your progress in some way.

That also means you need to measure yourself before you start. If a method of measurement isn’t obvious, invent one. Maybe you need to tame your nervousness during presentations. You could develop a 1-10 scale or wear a heart-rate monitor. There is always a way – figure one out that works for you.

THE DAILY EVALUATION PROCESS

Perform this process at the end of each day:

1. List your successes and failures. What did you do today to progress toward your goal? What did you fail to do? What did you do that was a step in the wrong direction? How was your self-talk? Your visualizations? Meditation? Consider everything.

THE DAILY EVALUATION PROCESS

THE DAILY EVALUATION PROCESS

2. Congratulate yourself on your successes. Be proud of yourself. A little momentum and encouragement can go a long way.

3. Address your failures. Why did each failure item appear on your list of failures? What can you do to do better tomorrow? Come up with a solution to each item. Tomorrow you can use the solutions and re-evaluate yourself again.

4. Measure your progress toward your goal. This might not be practical to do on a daily basis for all goals, but you should be measuring your progress on a regular basis.

5. Adjust your approach. If you’re not making adequate progress toward your goal, try changing your approach. If it’s not possible to meet your goal by the deadline, go ahead and change your endpoint date to correspond with your new plan.

Can you see how difficult it is to fail if you use all the tools up to this point? If you have a goal, reinforce it daily, use the tools (meditation, visualization, affirmations), and evaluate your thoughts, behavior, and progress… you will continue to move forward toward your goal!

Now let’s look at practice.

“One man cannot practice many arts with success.” – Plato

Each and every day, I feel fulfilled and joyful.

Each day, I feel fulfilled because I spend my time on activities that are important to me. I look forward to each day with anticipation. My best days are right now.

My anticipation is the result of the choices I make every day. I make choices in accordance with which options support my highest priorities.

So my choices result in positive outcomes, adding to my joy and fulfillment, rather than taking away from them.

Each and every day, I feel fulfilled and joyful.

Each and every day, I feel fulfilled and joyful.

I only have room in my mind and heart for positive and important things. I refrain from letting negative thoughts enter my existence. If I discover a negative thought trying to sneak its way in, I banish it and replace it with something positive.

I focus on the good, regardless of what comes my way.

My focus is unwavering because I understand how important focus is to joy and fulfillment. I choose to seek out that which fills me with positive experiences.

Negative things do happen from time to time, but I refuse to dwell on them. I forgive life. I forgive other people and myself. By letting go of negative experiences, I make room for the positive ones.

Fulfillment comes from spending my time in a worthwhile manner. I am always on the lookout for new ways to feel fulfilled. I know the answers are all around me and try to catch the best opportunities.

Today, I choose to believe in the positive and allow happiness into my life. I focus on the good all around me.

Self-Reflection Questions:

1. What can I be joyful about right now?
2. How fulfilled do I feel on a daily basis? What can I do to increase this feeling?
3. How do I react when something negative happens?

Practice, Practice, Practice

Practice is king. In fact, if you take a look at the book, Outliers: The Story of Success, you’ll see that practice is just about the only thing that matters.

The free special report about Key To Success In Life – How To Develop Your Strengths  examines a wide variety of experts in their respective professions, even musicians, a field that the average person considers to be largely dependent on a certain amount of innate talent.

What was found was that the only reliable predictor of success was the number of hours that the individual practiced. No one reached the highest levels without 10,000 hours of practice, and no one that practiced 10,000 hours failed to reach the highest levels.

Practice, Practice, Practice

Practice, Practice, Practice

You might be asking:

“If practice is the only thing that matters, then what was the point of the rest of this special report?”

A fair question. The bulk of the special report is to give you a process and the tools to allow yourself to practice regularly and enthusiastically.

You are now equipped to:

Find your passion.

Set goals effectively.

Use meditation, visualization, and positive affirmations to stay motivated and find/eliminate the negative mental garbage that gets in the way.

Evaluate your progress and make adjustments.

All of these steps will make it easier to practice your craft frequently and to progress as quickly as possible.

Now let’s look at some practice strategies:

1. Practice as frequently as possible. As they say, repetition is the mother of skill. Five times a week is better than two. Twice a day is better than once. Obviously, physically strenuous things can’t be done daily, but with planning, you might be able to do them more frequently than you are currently.

2. Have a plan. There is a huge difference between practicing haphazardly and having a plan in place. Know what you’re trying to accomplish before you even get started. It doesn’t matter whether you’re shooting a basketball, making cold calls, or learning something new; have a plan.

3. Practice the right things. We tend to like to practice the things we’re good at, but we need to practice the important things we’re not good at. Be sure your time is being spent in the wisest manner possible.

4. Evaluate after each session. What went well? What did not go well? What do you need to work on next? Should you change your approach?

The most important thing to remember is that the more you practice the better you will become. If you want to fully develop any strength, you must practice – a lot. But be sure to practice with a purpose and have a plan.

“In theory there is no difference between theory and practice. In practice there is.” – Yogi Berra

Consistency is a key to my success.

Thankfully, I enjoy successes in my everyday life. I realize that my behaviors, choices, and emotions play a large role in my being successful.

Although I have many personality characteristics that compel me to do my best and achieve my goals, I find that my consistency is an important key to my success.

Reflecting occasionally on my capacity to be consistent is integral to my accomplishments. In striving to be consistent, I apply logical thinking. I endeavor to be orderly in my efforts. And I put all my energy into what I am doing at the time.

Striving for consistency also gives me persistence. I stick with a task until it is completed to the best of my ability.

Consistency is a key to my success.

Consistency is a key to my success.

Consistency comes with a guarantee: if I continue diligently in focusing on a task, apply organization, and use logical thinking, I succeed. I firmly believe that my success is largely due to my ability to be consistent.

Another positive aspect of consistency is that I set an excellent example to others to be logical, orderly, and focused.

Today, I am pleased when I reflect about how consistency pays off for me in my daily life. I know I can continue to be consistent at home, with friends, and at work. I am successful because I am consistent.

Self-Reflection Questions:

1. How important is consistency to me?
2. Would people who know me describe me as a consistent person?
3. Do I want to improve my level of consistency? If so, how can I do it?

I follow through with commitments.

One of the keys to the successes in my life is the ability to confidently state that I can do something and then follow through with it. I simply say what I can do and then do it – there are no “ifs, ands or buts” about it.

I follow through with commitments because I want people to see that my word is genuine.

I follow through with commitments.

I follow through with commitments.

It is a wonderful feeling to know that others can depend on me. They count on me to keep my promises and so I do.

One thing that helps me keep my commitments is my effective time management. I keep an accurate schedule and leave plenty of room for necessary changes.

When I see that my time may be too rushed in trying to complete a task for someone, I refrain from committing to it.

My friends, family, and work associates respect me for my honesty.

I am respecting them when I am honest from the outset, and they are grateful for it. They also know that when I do commit to something, it is for real and they can count on it being done.

Today, I plan to take time to ensure my planner is accurate in the listings for my upcoming schedule, since I depend on it so heavily when deciding if I can commit to something. With an accurate schedule, I can make accurate commitments and follow through on them every time.

Self-Reflection Questions:

1. Do I follow through with my commitments?
2. How important is it to me to be dependable?
3. How do I feel when others follow through on a commitment to me? How do I feel when they don’t follow through?

Key To Success In Life Series – Secrets Of Developing Your Strengths Worksheet

Answering the following questions will help you along the path to identifying and developing your strengths.

1. What activities am I most passionate about?

Competence in all things is my goal.

It is important to me to be as competent as possible. I want to be seen as well qualified to others, so I take action to learn how to do things in the best way possible and put forth my best effort for every task.

From my work, to my relationships, to raising my kids, I strive to be competent.

Competence in all things is my goal

Competence in all things is my goal

I get the training and the education I need to thoroughly know and understand how to do things that are important to me. I research anything I have questions about and practice new techniques that might help me accomplish my tasks better in any way.

I volunteer to do jobs that others refrain from. I recognize that doing so can provide me with an opportunity to hone my skills and abilities. As I show my competence to others, I am given more chances to learn more and achieve the things I strive for in life.

Everything about my life is enhanced when I display competence. I take great pride in whatever I do.

Today, I plan to personally evaluate my competence. I can look back throughout my career and reflect on my performance.

My competence in my family relationships deserves some investigation also. I know I can re-vitalize my efforts to be competent in all things.

Self-Reflection Questions:

1. How important is having competence to me?
2. Do I believe that I exude competence in whatever I do?
3. If there are times that I find myself unsure of how to do something, what do I do about it?

2. What are 3 things I’ve always wanted to do but haven’t?

My dreams are one of my top priorities.

While I have many responsibilities, my dreams are always a top priority. I realize that dreams are what make life worth living. It is easy to get caught up in day-to-day responsibilities, but I always remain aware of my dreams.

I regularly schedule time to work on my dreams. I know they require time and attention to come to fruition. Each day, I spend at least a few minutes making my dreams become a reality.

My dreams are worthy of my time.

It can be easy to become sidetracked, but I always remember to focus on my dreams.

My dreams are one of my top priorities

My dreams are one of my top priorities

At work, I use spare moments to remind myself that my dreams are important. I especially like to use the time while I am driving to reflect on my dreams. I review my goals and create plans that enable me to achieve them.

I surround myself with people that support and respect my dreams. Life is too short to allow anyone else into my life.

My environment is supportive of my dreams as well. I am certain that my dreams are coming true.

Today, my dreams are one of my top priorities. I realize that everything else exists to support my dreams. Making my dreams come true is up to me and I am up to the challenge.

Self-Reflection Questions:

1. What are my dreams?
2. What do I need to do to make my dreams become my reality?
3. What is standing in my way of making my dreams a priority?

I endeavor to be adventurous.

I have many tasks to accomplish in an average day. Taking care of myself, my home, family, and career are no doubt my life priorities. Even though my life is exceptionally full of things to do, I make time to discover new people, places, things, and activities.

I strive for adventure every single day.

For me, being adventurous means that I am willing to seek new experiences. Being open to doing something new enriches my life in so many ways. Life presents to me endless possibilities and I am thrilled to discover the novelty in them.

The more adventures I experience, the more adventures I pursue. My zeal for life drastically increases when I look for new and daring enterprises.

I accept the unknown aspects of my adventures with an open mind. I embrace the feelings of surprise, joy and exhilaration that accompany my adventures.

Sometimes, I find adventure when attending my child’s sports event. I introduce myself and find new acquaintances. I occasionally join a new club or group to expand my horizons. I like to expose myself to new activities and people.

I endeavor to be adventurous

I endeavor to be adventurous

Today, I notice every opportunity for an adventure and happily look forward to the new experiences that are coming my way. I live my life to the fullest extent possible and finding adventure is an enriching aspect of it.

Self-Reflection Questions:

1. Do I notice new possibilities for adventure? How do I respond?
2. How do I feel about meeting people, going new places, and taking part in new activities?
3. What activity would be an exciting adventure for me? When can I schedule this?

3. What is an appropriate goal that supports the development of my strengths?

Creativity flows from me.

One of my positive traits I particularly enjoy is creativity. My creativity helps me out when I need solutions and makes my life more exciting, interesting, and fulfilling.

My creativity shows in a variety of situations. It comes out when I am problem-solving at home or at work. My family members also see my creativity when I am taking part in activities I enjoy in my spare time.

Co-workers comment on the unusual ways I contribute to group work projects. Many of my work associates look to me for issues that require unorthodox solutions.

Creativity flows from me

Creativity flows from me

I am most relaxed when I am creating something just because I want to.

Whether it’s focusing on a project for work, doing something fun in the garage, or simply taking some time to sketch or paint, I find that my creativity is always there for me. It is never-ending.

Sometimes, I have so many ideas that I must grab a pen and quickly write them down!

I have a quiet sense of confidence in my creative abilities. I trust my judgment when it comes to creating something that people enjoy. My creativity is worthy of my time, effort, and praise.

Today, I plan to set aside time to do nothing but think creatively. With pen in hand, I can jot down the creative solutions, ideas, and artistic gems that come from within me. I am very pleased with my creativity.

Self-Reflection Questions:

1. How comfortable am I with my level of creativity?
2. Am I able to identify when my creativity is at work?
3. How can I cultivate my creative senses?

I live my life with courage.  

Each day, I encounter situations that challenge, vex, or surprise me. Some of these challenges are quite tough, yet I choose to meet these issues head-on and hold my head up high.

I have confidence that I can confront any situation in life.

I use my courage to make it through the struggles I encounter. Sometimes, I am perplexed by a situation but I refrain from giving up.

I keep my chin up and move forward with courage to figure out whatever confuses me. My efforts always pay off.

I get through the difficult event and emerge on the other side, positive and strong. My courage saves me again.

When I find myself feeling shocked about a situation and unsure about how to proceed, I step boldly into the fray. I acknowledge to myself that life is unpredictable sometimes and then I dig deep for my courage. I always find it, just waiting for me.

Emotionally, I am strong because I can access my courage whenever I need to.

I live my life with courage

I live my life with courage

Today, I vow to keep courage in the forefront of my mind. I know I can rise above troubling situations. Reviewing my past efforts to live a life of courage revives me in the present. I am invincible because I live life with courage.

Self-Reflection Questions:

1. In what ways do I live life with courage?
2. How can I ensure that I will muster up courage in trying times?
3. Why is living with courage important?

My cheerfulness is contagious.

I have many choices to make on any given day. One of the major decisions I make is the mood that I portray throughout the day.

When I get up in the morning, I consciously opt to be cheerful. I am cheerful because it makes my life more fun and interesting. Plus, I make it through the day like a champ when I am cheerful.

But the really cool thing about my cheerfulness is that it spreads to those around me. I see that I can have a profound effect on those around me simply by choosing to be cheerful.

When I am cheerful, it challenges those who are grumpy. It is more difficult for others who are nearby to complain and be negative whenever I am in a cheerful mood.

I smile, compliment others, and take any bumps in the road in stride.

Being cheerful makes me feel like an emotionally stronger human being. I refuse to allow the Negative Neds and Nellies of the world to pull me down. Instead, I turn on the light in my eyes and grin.

I use an interested tone of voice. I show my good mood. And when I do, people around me do the same.

Today, I intend to remain cheerful all day. I notice how my cheerfulness affects others and I am pleased that I have the ability to make a positive impact on their lives.

I truly am a happier, more fulfilled individual because I choose to be cheerful and by doing so, I lead the way for others to be cheerful as well.

Self-Reflection Questions:

1. How do other people’s moods affect me?
2. What is my mood like most of the time?
3. When I arise in the morning, do I reflect on my mood for the day?

My conscientiousness is evident.

When I take part in a task or project, I do everything I can to do it well. I show extreme care and effort in what I do. It is important to me to be conscientious about anything I am involved in. I am thorough, involved, and hard-working.

My cheerfulness is contagious

My cheerfulness is contagious

When I am conscientious, those I work with and relate to also enjoy the benefits of my hard work. So it’s a win-win situation for all. I get to be proud of myself and they see benefits as well.

Being conscientious also means I consider my own ideas about doing the right thing.

My conscience comes into play regardless of the task. I think about what I believe in when taking part in a project and stay true to my beliefs. Considering what I feel is the right thing matters greatly to me.

I am energized by the idea that others can learn from my conscientiousness. I engage in my tasks with an open heart and sense of care and effort.

Today, I intend to put forth my most conscientious efforts for all my tasks. I care about demonstrating to others that I follow my conscience and one tenet of my beliefs is that hard work and excellence are important. I want my conscientiousness to be evident in whatever I do.

Self-Reflection Questions:

1. Can other people see that I am conscientious?
2. What does being conscientious mean to me?
3. How can I foster a greater focus on being more conscientious in my everyday life?

4. What can I do to strengthen my ability to focus?

All my relationships are loving and harmonious.

I have such wonderful relationships. I understand that the key to harmony is communication, so I make it a point to communicate effectively and compassionately with everyone I know. I only enter into relationships that are healthy and beneficial to me.

My relationships are full of love because I have caring people in my life. I show my love toward them, too. I have a genuine interest in others and want them to be happy.

All my relationships are loving and harmonious

All my relationships are loving and harmonious

At work, I remain professional, but I reach out to others. My clients, co-workers, and boss know that they can trust me. I feel comfortable with all of these people. My work place is loving and harmonious.

At home, I regularly ask myself what I can do to strengthen my relationships. I accept that positive relationships require daily time and effort. It is 100% worth it. Good relationships make life worth living.

With my friends, I strive to be understanding, even when it is challenging. Everyone is different and has his or her own needs and challenges. I am always kind and considerate. My relationships with my friends are very important to me.

Today, I choose to do what I can to make all of my relationships even better. I choose to be open, supportive, compassionate, and loving to everyone in my life.

Self-Reflection Questions:

1. What can I do to strengthen my relationships?
2. How can I be a better friend and partner?
3. Why are my relationships important to me?

5. What are 5 negative thoughts that occur consistently in my self-talk? What positive statements that support my goal can I substitute for the negative thoughts?

I have the power to change myself.

Change can be challenging, but I have the power to change. I value the ability to change and I do everything I can to improve my life and myself. I remind myself each day that I am capable of changing any part of my life at any moment.

I realize that the key to change is belief. I believe in myself. I believe that the past can be quite different than the future. Therefore, change is possible for me.

I have the power to change myself

I have the power to change myself

Even if I have struggled in the past to make changes, I know I can make them today.

I can easily recall all the wonderful changes in my life. These memories give me the courage, strength, and certainty to make changes today.

I have a list of changes that I want to make. I review that list regularly and reward myself when I successfully create one of those changes. When I struggle, I remind myself of my past successes and renew my commitment. Then I can move forward, confident once again.

Successfully navigating each change makes the next change easier. As I make positive changes, I find my life gets easier every day. Change can bring great things into my life and I now look forward to making changes.

Today, I renew my commitment to changing and improving myself. I know I can change quickly and easily. I am a strong person. I have the power to change myself.

Self-Reflection Questions:

1. What changes do I want to make?
2. How confident am I about my ability to change?
3. How can I increase that level of confidence?

6. What can I visualize daily that is appropriate for my goal? At what time of day is best for me to incorporate visualization?

My outlook on life is infused with enthusiasm.

I have a wonderful outlook on life. Each day, I am blessed to live a life filled with joyful anticipation. This expectation for good things is the source of my great enthusiasm.

I plan exciting things into my schedule on a regular basis. My life is exciting and fulfilling.

I have a great life and I expect even greater things in the future. Full speed ahead! I feel unstoppable as I welcome the good things to come.

My outlook on life is infused with enthusiasm

My outlook on life is infused with enthusiasm

When I feel less than enthusiastic about my life, I examine my feelings and find the source. I can then quickly make any necessary changes and my enthusiasm is restored. I find the process to be simple and easy.

I have so much to be enthusiastic about.

I have great health and a sense of well-being. I am successful in my career. My social life is spectacular. All aspects of my life are positive. My present and future are bright.

Most importantly, I know that I am capable of having the life of my dreams. I can accomplish anything. I am enthusiastic and motivated to succeed.

My enthusiasm is infectious. My outlook on life positively affects everyone around me. People are grateful for my positive perspective.

Today, I take my enthusiasm to an all-new level. I have so much to be thankful for as I make plans for an exciting and fulfilling day.

Self-Reflection Questions:

1. What is great about my life?
2. How could my life be even better?
3. How can I make these ideas my reality?

7. What can I do to measure my progress? Do I have a system in place?

It is enough to do my best.

Doing my best is all that really matters in the end. When my results are less than I desire, I take comfort in knowing that I do my best. My best is enough. I am satisfied knowing that I put forth my best effort.

It is enough to do my best

It is enough to do my best

I realize that sometimes I could improve my approach to achieve more positive results, but my level of effort is always enough.

I am successful as long as I give my best effort. The outward signs of success are always nearby, provided I do my best.

Effort is king. Effort can overcome all obstacles. By giving my greatest effort in all that I do, I ensure my success.

I learn more from ‘failure’ than I do from victory. After all, humans are designed to make mistakes from time to time. What I do with those mistakes is up to me. So I learn what I can from them and move on, better prepared for the next challenge.

My best always moves me forward.

I am an example of commitment. Others acknowledge that I always do my best and I am happy to serve as an inspiration to them.

Doing my best makes my life easier. It is my focus. Dedicating myself to doing my best removes the confusion and uncertainty from my life. I just do my best and let the chips fall where they may!

Today, I commit to doing my best at everything I do. I am only concerned with my dedication and commitment. It is enough to do my best, since success ultimately follows my best efforts.

Self-Reflection Questions:

1. Do I give enough effort to the things that are important to me?
2. Where have I been falling short?
3. How can I increase my efforts to do my very best?

8. Is my practice time performed with a distinct goal? What do I need to accomplish with my practice time?

I trust in the process of life.

Life is a wonderful mystery, and I am content to let it unfold. While others might complain and struggle, I can see that life has its own process. I trust that process even if I lack complete understanding.

I trust in the process of life

I trust in the process of life

Life is a miraculous thing. All the answers come in time. While the reasons may be a mystery to me, I know that there is a purpose to everything in my life.

I trust the process of life and trust in my Creator. Knowing that life has its own agenda, I am able to relax and go with the flow. I still make a conscious effort to direct my life where I can, but I am accepting of where life takes me.

I realize there is real power in acceptance.

When I am at work, I can see that certain things are beyond my control. I am comfortable with this. Work provides me with the opportunity to not just experience my own life, but to also observe the lives of others. I learn so much.

When I am at home, the process of life – with its ups and downs, twists and turns – is so evident, and I appreciate it. It is beautiful to me and keeps life interesting.

Today, I accept all that life has to offer and recognize that things happen in their own time. The process of life is an incredible thing, and I trust in it completely.

Self-Reflection Questions:

1. What are some of my challenges in life right now?
2. Can I accept that I might not understand the reasons for my challenges?
3. How can I be more accepting and trusting of life itself?

Key To Success Series – Secrets Of Developing Your Strengths Conclusion

Developing a strength is really all about practicing it as much as possible. By finding something that you’re truly passionate about, you’ll find it much easier to put forth the effort.

In truth, you can create a strength from a weakness by spending enough time on it… all it takes is practice. Being passionate makes practice a lot more fun.

Key To Success Series - Secrets Of Developing Your Strengths Conclusion

Key To Success Series – Secrets Of Developing Your Strengths Conclusion

A goal provides a target. You can’t choose where you want to end up without a target. Reviewing it daily keeps the target fresh in your mind and prioritizes it.

Meditation is a wonderful tool to learn to focus and to minimize the stress and distractions in your life. If you can control your thoughts and focus, you can control your behavior.

Visualization gives the experience of already being proficient at something. It also provides a means to detect emotional resistance to achieving your goal. Positive affirmations help to develop new, positive thought patterns and to eliminate the negative.

All that’s left is to practice and continuously evaluate your progress. Find your passion and develop your strengths! You’ll be glad you did!

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