Does your financial future have you STRESSED OUT?!!!!

How do you feel about your financial future right now?

Are you stressed? A 2012 survey conducted by the National Foundation for Credit Counseling found that 80% of Americans feel they could benefit from professional financial advice, and 42% would grade yourselves a C, D, or F when it comes to personal financial future.

financial future

First, find the root of what is causing the stress or insecurity. Is it not having enough money to retire? Is it not being able to pay your bills on time? Is it the balance in your bank account? Whatever it is, there are solutions. It is almost certain that somebody has been in your exact position and survived, so that’s the good news.

The bad news: it’s time to wake up and do something about it. And it’s probably not going to be easy. Here are four things you can do to relieve financial stress:

Evaluate Your Current Financial Education
Robert Kiyosaki says, “I’m always learning.” His learning never stops. A person’s education could never be complete. Even when it comes to a financial education, that creates your financial future, there’s always something new—or old for that matter—that you can study to gain a new perspective. Evaluating your current financial education can alleviate your stress because it will help you understand where your educational weaknesses lie.

Learn How to Budget
Over half of Americans report that they don’t have a budget at all, and about 20% say they don’t have a good idea of how much they spend on housing, food and entertainment.

Budgeting, or deciding how much money you have for each category of your expenses, is one of the best things you can do for your finances. It makes you conscious of your spending. Being consciousness about money is always a good thing.

Cut the Doodads
The most important thing is that your spending is intentional and responsible, rather than emotional or out-of-control. The one place that this happens is when you see your money going towards doodads—things that don’t put money in your pocket.

While you shouldn’t live a life of scarcity. it’s important to be smart about your purchases. Avoid making large purchases when you’re stressed or emotional about money. Try the “wait 48 hours” rule: this will help with impulse buys and give you time to evaluate if the purchase is really worth it.

Improve Your Financial Education
If you want to be infinitely rich, invest your time and effort in a financial education and discover what you need to do to increase your cash flow. Increasing your cash flow solves almost every money problem there is.

A Huge thank you to the RichDad organisation for their brilliant work.

Another thank you to my friend and mentor Shane Krider

Cheers, Chrissy

p.s.   More interesting reading on my other blogs.

Live Free Retire Wealthy for those who want an easy life. Start now otherwise time will be your enemy. I say this from experience.

More Time to Ride for the horse lovers

Best Ever Home Business for those looking for a Brilliant Home Business Opportunity. This has been going for 7 years now and counting.

and Best Ever Home Business prosperity of life blog

Please enjoy.

7 Steps to Achieving Your Dream

7 Steps to achieving Your Dream7 steps to achieving your dream

Can achievement be broken down into steps?

It isn’t always that clean and easy, but author Chris Widener says those who achieve great things usually follow these same seven steps. So if you have been struggling with achieving your dream, look through the following. Begin to apply them and you will be on the road to success.

Here are the 7 steps to achieving your dream.

Step 1: Dream it. Everything begins in the heart and mind. Every great achievement began in the mind of one person. They dared to dream, to believe that it was possible. Take some time to allow yourself to ask “What if?” Think big. Don’t let negative thinking discourage you. You want to be a “dreamer.” Dream of the possibilities for yourself, your family and for others. If you had a dream that you let grow cold, re-ignite the dream! Fan the flames. Life is too short to let it go.

Step 2: Believe it. Yes, your dream needs to be big. It needs to be something that is seemingly beyond your capabilities. But it also must be believable. You must be able to say that if certain things take place, if others help, if you work hard enough, though it is a big dream, it can still be done. Good example: A person with no college education can dream that he will build a $50 million-a-year company. That is big, but believable. Bad example: That a 90-year-old woman with arthritis will someday run a marathon in under three hours. It is big all right, but also impossible. She should instead focus on building a $50 million-a-year business! And she better get a move on!

Step 3: See it. The great achievers have a habit. They “see” things. They picture themselves walking around their CEO office in their new $25 million corporate headquarters, even while they are sitting on a folding chair in their garage “headquarters.” Great free-throw shooters in the NBA picture the ball going through the basket. PGA golfers picture the ball going straight down the fairway. World-class speakers picture themselves speaking with energy and emotion. All of this grooms the mind to control the body to carry out the dream.

The last 3 steps of 7 Steps to Achieving Your Dream.

Step 4: Tell it. One reason many dreams never go anywhere is because the dreamer keeps it all to himself. It is a quiet dream that only lives inside of his mind. The one who wants to achieve their dream must tell that dream to many people. One reason: As we continually say it, we begin to believe it more and more. If we are talking about it then it must be possible. Another reason: It holds us accountable. When we have told others, it spurs us on to actually doing it so we don’t look foolish.

Step 5: Plan it. Every dream must take the form of a plan. The old saying that you “get what you plan for” is so true. Your dream won’t just happen. You need to sit down, on a regular basis, and plan out your strategy for achieving the dream. Think through all of the details. Break the whole plan down into small, workable parts. Then set a time frame for accomplishing each task on your “dream plan.”

Step 6: Work it. Boy, wouldn’t life be grand if we could quit before this one! Unfortunately the successful are usually the hardest workers. While the rest of the world is sitting on their sofas watching reruns of Gilligan’s Island, achievers are working on their goal—achieving their dream. I have an equation that I work with: Your short-term tasks, multiplied by time, equal your long-term accomplishments. If you work on it each day, eventually you will achieve your dream. War and Peace was written, in longhand, page by page.

Step 7: Enjoy it. When you have reached your goal and you are closer to achieving your dream, be sure to enjoy it. In fact, enjoy the trip, too. Give yourself some rewards along the way. Give yourself a huge reward when you get there. Help others enjoy it. Be gracious and generous. Use your dream to better others. Then go back to No. 1. And dream a little bigger this time!

Cheers Chrissy Greig.

Pls meet my good friend and mentor Mr. Shane Krider. For the last 8 years he has been my rock.

p.s.   More interesting reading on my other blogs.

Live Free Retire Wealthy for those who want an easy life. Start now otherwise time will be your enemy. I say this from experience.

More Time to Ride for the horse lovers

Best Ever Home Business for those looking for a Brilliant Home Business Opportunity. This has been going for 7 years now and counting.

and Best Ever Home Business prosperity of life blog

Please enjoy.

Knowledge vs Experience?

Knowledge vs Experience….

I hear this quite a lot especially nowadays because information has never been so easy to  obtain.

I hear it in most circles whether it be work , industry or even hobby related. Knowledge vs experience, which one is best? The person straight out of college, university or any learning institution should have the knowledge they need to go out and conquer the world.      Knowledge is power they say. But it is Not, and it has never been.

Knowledge…  is just knowledge. Applied knowledge could be powerful or useful if it is applied correctly and efficiently. Knowledge combined with Experience, well … this is a complete new ball game. Can you see how this is teared up to the top by eliminating what has been thought, and looking very closely at the very things needed to get a good result.

First step is knowledge I totally agree with that. Then the fun begins.

NB: I’ll use my horses as an example here, but you could substitute any profession or hobby into the equation. The result will be the same.

Years and years ago I went and saw Pat Parelli and thought … wow… this is fantastic. I can use this knowledge to look at working with my horses from their point of view. I realised they knew what to do they just needed me to ask them correctly. The same as when I went to see Monty Roberts. Same message but slightly different approach. But as far as the horse is concerned, it is me learning their language not the other way around.

Armed with all this new knowledge I thought this will be easy I just need to go and do it and straight away get the good results. WHACK!!! … Learning curve. ….Right between the eyes.

A classic case of knowledge vs experience.

Perseverance here, I knew was the key. Time was irrelevant, language was vital. This is where experience kicked in. I didn’t have any using this technique.

Now after decades of using these natural methods and learning and fine tuning and learning…. and learning… I now have the experience necessary to be a good student, yes I did say student. Once you think you know everything you have nowhere to go and always go backwards.

knowledge vs experience
calm and communicating

Knowledge combined with experience is the perfect balance. Good results will always come from this. Commonsense with no ego is also a good combination.

I now have more time to ride and it is very enjoyable as I am calm, I know how to respond and we (my horse and I) are communicating.

Cheers, Chrissy

p.s.   More interesting reading on my other blogs.

Live Free Retire Wealthy for those who want an easy life. Start now otherwise time will be your enemy. I say this from experience.

More Time to Ride for the horse lovers

Best Ever Home Business for those looking for a Brilliant Home Business Opportunity. This has been going for 7 years now and counting.

and Best Ever Home Business prosperity of life blog

Please enjoy.

My Best Home Business Review

Traditional Business vs Home Business

My Home Business Review … my opinion.
best home business review

This is my home business review of Home Businesses and how I see their worth, and advantages. Notice I didn’t say disadvantages. I would like to put forward a Home Business Review from my experiences and my trials and tribulations (what I have researched, my successes and failures).

Having worked in the traditional sense mainly in retail or office work for the last 30 years, the home business idea for me was way out there with the fairies. How could this possibly work. You would need to keep stock, a lot of it, and have a business premises where the people are, you need staff and all of the huge expenses just to keep the doors open… it’s the ‘normal’ way , or the only way to do business. Or so I thought…. these were my thoughts due to my limited thinking.

It’s a lot of hard work being enveloped by the traditional job. It takes all of your time, you sell your time for money, and not much money for the time put in, and when you do the statistics 95% of people are 1 paycheck above the poverty line. All this came to my attention in a split second and you could have knocked me over with a feather. For most of my adult life, I was not there with the people I love most, my family. I was racing around dropping my children off at childcare before and after school 5 days a week, my beautiful husband also worked long hours so I rarely saw him either especially when he was working the night shift. It was hello goodbye 12 hours apart for years. Terrible when I sit back and think about it. The life you don’t have when you sell your time for money.

I started researching the different ways I could use my talents doing what I love, retire my husband, and be here for my family. Home business sounded perfect but how. Google is a fantastic tool but, I had a massive amount of options…. thousands. Every page I opened there were more promises and carrots dangling than I could ever imagine. Millions of pages of information.

It was time to research and do my own home business review.

Not being stupid or naive, I knew every business in the world needs investment and has running costs so straight away I deleted the get rich quick with no money down ones.

They really are an insult to the average persons intelligence.

I wanted sales, marketing and a good payment plan (compensation plan) because 2 out of these 3, I was already an expert from my 30 years in retail, or so I thought. The company had to have been around for at least 10 years and have a good reputation. Not the false reputation manufactured by the nay sayers in most chat rooms or soap box websites. Most of what is written in those negative pages is rubbish. I had narrowed my choices to lotions and potions, travel or personal development. I chose Personal Development. Even then there was a lot to choose from.

I made my short list fairly quickly by choosing 10 possibilities and then actually phoning them and talking with a human. I get a good feeling when I talk with someone and know straight away if they are legit.

I finally chose the business which felt right. My gut feeling has always served me well. I chose a company then called Liberty League now upgraded to Prosperity of Life. At the helm and man I call my mentor and friend Mr. Shane Krider.

This was over 7 years ago and I strongly believe this was the best decision I have ever made. Quite a steep learning curve initially because I had to unlearn what I thought knew about marketing and then simply follow a very simple system. A system put together from years of experience from people just like me. As far as this being a home business review, it is in my opinion a good review and not to bore you with BS.

My business is called BestEverHomeBusiness.com and  is always growing and developing as I grow and develop. I am always the student and the servant.

My motto is “how can I help you?”

As Jim Rohn has said,

“By helping people get what they want you automatically get what You want”.

Cheers Christine Greig.

p.s.   More interesting reading on my other blogs.

Live Free Retire Wealthy for those who want an easy life. Start now otherwise time will be your enemy. I say this from experience.

More Time to Ride for the horse lovers

Best Ever Home Business for those looking for a Brilliant Home Business Opportunity. This has been going for 7 years now and counting.

and Best Ever Home Business prosperity of life blog

Please enjoy.

 

If Life gives you lemons make Lemonade

If Life gives you lemons make lemonade.

Louise Hay has always been an inspiration to me. Her vision and focus is to be admired but is also simply just being aware. Please enjoy her story.

“If the lemons are rotten, take out the seeds and plant them in order to grow new lemons”.

If Life gives you lemons make Lemonade

WHEN I WAS YOUNG, between my ignorance and lack of self-esteem, I went through a long series of low-paying jobs. I worked in drugstores, dime stores, and in the stockrooms of several department stores. While my dream was to be a movie star or a dancer, I had no idea how to go about achieving that. Any job beyond where I was, became a far-off dream. I was so uneducated that even a secretary’s job was out of my league.

Then one day, Life took an interesting turn; I must have been ready. I had a job in Chicago that paid $28 a week. Why I walked into the Arthur Murray dance studios that day, I can’t remember. But I did. A slick salesperson sold me $500 worth of dance lessons, and when I returned home that night, I couldn’t believe what I’d done. I was terrified. The next day after work, I went back to the studio and confessed my poverty. They said, “Oh, but you signed a contract, and you must pay us the money. However, we have a position open for a receptionist. Do you think you could do that?”

The job paid $10 a week more than I was making. It was a large studio with 40 teachers. We worked 10 a.m. to 10 p.m. and always ate our meals together. Within two days, I discovered that I was capable of handling the teachers’ appointments, collecting money, and making all of those introductions. I had a built-in social life and never had more fun at a job.

It was a great turning point in my life.

After my job at Arthur Murray’s, I moved to New York and became a fashion model. But I never really possessed much self-worth or self-esteem until I began working on myself to release old negative beliefs from my childhood. In the early days, I had no idea how to change my situation. Now I know that the inner work must be done first. No matter how stuck we seem to be, it’s always possible to make positive changes.

If you were raised with the belief that you must “work hard” to earn a living, it’s time to let that belief go. Use the affirmation: Work is easy and fun for me or I enjoy all my work. Keep repeating these affirmations until your consciousness changes.

Do what you love and the money will come. Love what you do and the money will come. You have a right to enjoy earning money. Your responsibility to Life is to participate in enjoyable activities. As you find a way to do something that you enjoy,                                       Life will show you the way to prosperity and abundance. Our inner guidance never gives us shoulds. The purpose of life is to play. When work becomes play, it’s fun and rewarding. Negative attitudes about work create toxins in the body.

If you’ve been fired, please get over the bitterness as quickly as you can, for bitterness won’t bring good into your life. Affirm often: I bless my former boss with love. Out of this, only good will come. I am now moving into my greater good. I am safe and all is well. Then use affirmations for creating a new job.

It’s not what happens to you, but how you handle it. If Life gives you lemons, make lemonade. If the lemons are rotten, take out the seeds and plant them in order to grow new lemons.

Sometimes when we get very close to our dreams, we become so frightened of having what we really want that we begin to sabotage ourselves. As hard as it is to imagine, we’re doing this to protect ourselves. Making a big move, having the ideal job, earning really good money, can be a very scary undertaking. What if I fail? What if people won’t like me? What if I’m not happy?

These questions represent the part of you that’s very afraid of the fulfillment of your dreams. Often, your inner child is the key to your fears. It’s time to be very loving, patient, and gentle with yourself. Reassure your inner child, love it, and make it feel safe.

Don’t get stuck with the belief that it’s hard to find a job. This may be true for many, but it doesn’t have to be true for you. You only need one job. Your clear consciousness will open the pathway for you. Too many people put so much faith in fear. When there’s a shift in the economy, the masses immediately buy into all the negative aspects and constantly talk about it. What you dwell on and accept in your consciousness becomes true for you.

When I hear about negative trends in business or the economy, I immediately affirm: It may be true for some, but it’s not true for me. I always prosper no matter where I am or what is going on. As you think and speak, you’re creating your future experiences. Be very careful about how you talk about prosperity. You always have the option of choosing poverty thinking or prosperity thinking. For at least the next week, notice how you talk about money, work, career, the economy, savings, and retirement. Listen to yourself. Make sure that the words aren’t creating poverty now or in the future.

Are you in a job now where you feel stuck? Do you hate your job or find that you’re just putting in your time to bring home a paycheck? There are definitely things that you can do to make positive changes. These ideas may sound silly or simplistic, but I know they work. I’ve seen countless people change their working situations for the better. The most powerful tool you can use to transform a situation is the power of blessing with love. No matter where you work or how you feel about the place: Bless it with love! I mean that literally. Affirm: I bless my job with love.

If Life gives you lemons make Lemonade

Don’t stop here. Bless with love the building, your desk (if you have one), the various machines that you may use, the products, the customers, the people you work with, and the people you work for, and anything else associated with your job. This will work wonders.

If there’s a person at work that you’re having difficulty with, then use your mind to change the situation. Use the affirmation: I have a wonderful working relationship with everyone at work, including (insert person’s name). Every time this person comes into your mind, repeat the affirmation. You’ll be amazed by how this situation will change for the better.

If you want to secure a new job, then in addition to blessing your current job with love, say this affirmation: I release my job with love to the next person, who will be so glad to be here. This job was ideal for you when you got it. It was the perfect reflection of your sense of self-worth at that time. Now you’ve grown and are moving on to better things. Now your affirmation is: If Life gives you lemons make Lemonade.

I know that there are people out there looking for exactly what I have to offer. I now accept a job that uses all my creative talents and abilities. This job is deeply fulfilling, and it is a joy for me to go to work each day. I work with and for people who appreciate me. The building is light, bright, and airy and filled with a feeling of enthusiasm. It is in the perfect location, and I earn good money, for which I am deeply grateful.
If you hate the job that you have now, you’ll take that feeling of hatred with you. Even if you get a good new job, in a short time you’ll find yourself hating the new one, too. Whatever feelings you have within you now, you’ll carry to the new place. If you live in a world of discontentment, you’ll find it everywhere you go. You must change your consciousness now before you can see positive results in your life. Then, when the new job comes, it will be good, and you’ll appreciate it and enjoy it.

So affirm: I always love where I work. I have the best jobs. I am always appreciated. By continually affirming this, you’re creating a new personal law for yourself. The Universe will have to respond in kind. Life will always pick the most appropriate channels to bring forth your good, if you allow it!

A BIG thank you to Louise Hay for always inspiring me and writing If Life gives you lemons make Lemonade.

p.s. One thing I have observed is that most people create their own lemons and put the blame on someone or something else. Self responsibility is rare but becoming more common as people use the vast amounts of self development information available.

Cheers Chrissy Greig.

p.s.   More interesting reading on my other blogs.

Live Free Retire Wealthy for those who want an easy life. Start now otherwise time will be your enemy. I say this from experience.

More Time to Ride for the horse lovers

Best Ever Home Business for those looking for a Brilliant Home Business Opportunity. This has been going for 7 years now and counting.

and Best Ever Home Business prosperity of life blog

Please enjoy.

Why should you keep a Journal?

Why You Should Keep a Journal

I have kept a Journal for a very long time.
Initially I thought how could this possibly help and initially it didn’t because I had it in my mind that it wouldn’t. But I kept at it and slowly but surely  the act of journal keeping has changed my brain to believing that it does work. Whether you think it is effective or not, you are correct.Thoughts become things.
journal
I thank Jim Rohn and Success Magazine again for their great words of wisdom.
I have read this type of info 1000 times and will continue to do so, but each time I do, a little more sinks in and I always pick up that snippet.
Be a student of your own life, your own future, your own destiny.
May 15, 2016

If you’re serious about becoming a wealthy, powerful, sophisticated, healthy, influential, cultured and unique individual, keep a journal—don’t trust your memory. When you listen to something valuable, write it down. When you come across something important, write it down.5

I used to take notes on pieces of paper and torn-off corners and backs of old envelopes. I wrote ideas on restaurant placemats, long sheets, narrow sheets, little sheets and pieces of paper thrown in a drawer. And the best way to organize all those ideas was to keep a journal.

Related: 4 Things I Learned From Keeping Weekly Lists

So I became a buyer of blank books. People found it interesting that I would buy a blank book. “Twenty-six dollars for a blank book, why would you pay that?” they’d say. Well, the reason I paid it was to challenge myself to find something worth $26 to put in there. But if you ever got a hold of one of my journals, you wouldn’t have to look very far to discover that it’s worth more than that.

Keeping a journal is so important. In fact, it is one of three important treasures to leave behind for the next generation:

1. Your pictures.

Take a lot. Don’t be lazy in capturing an event. How long does it take to snap a photo? A fraction of a second. How long does it take to miss an event? A fraction of a second. So don’t miss the pictures—when you’re gone, they’ll keep the memories alive.

2. Your library.

This is the library that taught you, instructed you, helped you defend your ideals. It helped you develop a philosophy. It helped you become wealthy, powerful, healthy, sophisticated and unique. Your library—the books that instructed you and fed your mind and your soul—is one of the greatest gifts you can leave behind.

3. Your journals.

These are the ideas you picked up and the information that you meticulously gathered. Of the three, journal writing is one of the greatest indications that you’re a serious student. Taking pictures—that’s pretty easy. Buying a book at a book store—that’s pretty easy. It is a little more challenging to be a student of your own life, your own future, your own destiny.3

Take the time to write notes and to keep a journal. You’ll be so glad you did. What a treasure to leave behind when you go. What a treasure to enjoy today!

Also I would like you to meet my friend, mentor and personal development coach

Mr. Shane Krider.

His vision, which started back in 1998 has been my Yellow Brick Road.

Cheers, Christine Greig

p.s.   More interesting reading on my other blogs.

Live Free Retire Wealthy for those who want an easy life. Start now otherwise time will be your enemy. I say this from experience.

More Time to Ride for the horse lovers

Best Ever Home Business for those looking for a Brilliant Home Business Opportunity. This has been going for 7 years now and counting.

and Best Ever Home Business prosperity of life blog

Please enjoy.