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.

 

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.

 

Live a life of Value.

Rohn: How to Live a Life of Value

A BIG thanks to success magazine for these brilliant articles. I always read and re-read every word. I will always value and recommend anything from Success Magazine … Enjoy …
Cheers,    Christine Greig
value
Develop a new discipline of observing rather than ignoring, of doing rather than neglecting.

One of the major reasons people are not doing well is because they keep trying to get through the day. A more worthy challenge is to try to get from the day.

We must become sensitive enough to observe and ponder what is happening around us. Be alert. Be awake. Let life and all of its subtle messages touch us. Often the most extraordinary opportunities are hidden among the seemingly insignificant events of life. If we do not pay attention to these events, we can easily miss the opportunities.

Related: Rohn: How Do You Attract Opportunity Into Your Life?

We must become good observers and astute evaluators of all that is going on around us. All events affect us, and what affects us leaves an imprint on what we will one day be and how we will one day live. Our philosophy about activity and our attitude about hard work will affect the quality of our lives.

Every time we choose to do less than we could, this error in judgment has an effect on our self-confidence. Repeated every day, we soon find ourselves not only doing less than we should, but also being less than we could. The accumulative effect of this error in judgment can be devastating. Fortunately, it’s easy to reverse the process.

Today we can develop a new discipline of observing rather than ignoring, of doing rather than neglecting. Every time we choose action over ease or labor over rest, we develop an increasing level of self-worth, self-respect and self-confidence.

It is how we feel about ourselves that provides the greatest reward from any activity. It is not what we get that makes us valuable; it is what we become in the process of doing that brings value into our lives. It is activity that converts human dreams into human reality, and that conversion from idea into actuality gives us a personal value that can come from no other source.

So be a good observer of the world around you and enjoy the hard work you put into enterprising—then enjoy it to its fullest!

Cheers, Chrissy with my good friend and mentor Mr. Shane Krider

 

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.

10 Things $uccessful people Never do Again

Being a HUGE fan of Success Magazine I thought … again… I would share this article about the 10 things I will never do again.

10 Things Successful People Never Do Again

We all make mistakes but the people who thrive from their mistakes are the successful ones.
June 24, 2014

“Never go back.” What does that mean? From observations of successful people, clinical psychologist and author of Never Go Back: 10 Things You’ll Never Do Again (Howard Books, June 2014), Dr. Henry Cloud has discovered certain “awakenings” that people have—in life and in business—that once they have them, they never go back to the old way of doing things. And when that happens, they are never the same. In short, they got it.

“Years ago, a bad business decision of mine led to an interesting discussion with my mentor,” Dr. Cloud says. “I had learned a valuable lesson the hard way, and he reassured me: ‘The good thing is once you learn that lesson, you never go back. It’s one thing you will never do again.’

“I wondered, what are the key awakenings that successful people go through that forever change how they do things, which propel them to succeed in business, relationships, and life? I began to study these awakenings, researching them over the years.”

Although life and business have many lessons to teach us, Dr. Cloud observed 10 “doorways” of learning that high performers go through, never to return again.

Successful people never again…

1. Return to what hasn’t worked.

Whether a job, or a broken relationship that was ended for a good reason, we should never go back to the same thing, expecting different results, without something being different.

2. Do anything that requires them to be someone they are not.

In everything we do, we have to ask ourselves, “Why am I doing this? Am I suited for it? Does it fit me? Is it sustainable?” If the answer is no to any of these questions, you better have a very good reason to proceed.

3. Try to change another person.

When you realize that you cannot force someone into doing something, you give him or her freedom and allow them to experience the consequences. In doing so, you find your own freedom as well. My experience has told me to never do again.

4. Believe they can please everyone.

Once you get that it truly is impossible to please everyone, you begin to live purposefully, trying to please the right people.

5. Choose short-term comfort over long-term benefit.

Once successful people know they want something that requires a painful, time-limited step, they do not mind the painful step because it gets them to a long-term benefit. Living out this principle is one of the most fundamental differences between successful and unsuccessful people, both personally and professionally.

6. Trust someone or something that appears flawless.

It’s natural for us to be drawn to things and people that appear “incredible.” We love excellence and should always be looking for it. We should pursue people who are great at what they do, employees who are high performers, dates who are exceptional people, friends who have stellar character, and companies that excel. But when someone or something looks too good to be true, he, she, or it is. The world is imperfect. Period. No one and no thing is without flaw, and if they appear that way, hit pause.

7. Take their eyes off the big picture.

We function better emotionally and perform better in our lives when we can see the big picture. For successful people, no one event is ever the whole story. Winners remember that – each and every day.

8. Neglect to do due diligence.

No matter how good something looks on the outside, it is only by taking a deeper, diligent, and honest look that we will find out what we truly need to know: the reality that we owe ourselves.

9. Fail to ask why they are where they find themselves.

One of the biggest differences between successful people and others is that in love and in life, in relationships and in business, successful people always ask themselves, what part am I playing in this situation? Said another way, they do not see themselves only as victims, even when they are.

10. Forget that their inner life determines their outer success.

This is one thing for sure I will never do again.

The good life sometimes has little to do with outside circumstances. We are happy and fulfilled mostly by who we are on the inside. Research validates that. And our internal lives largely contribute to producing many of our external circumstances.

And, the converse is true: people who are still trying to find success in various areas of life can almost always point to one or more of these patterns as a reason they are repeating the same mistakes.

Everyone makes mistakes…even the most successful people out there. But, what achievers do better than others is recognize the patterns that are causing those mistakes and never repeat them again. In short, they learn from pain—their own and the pain of others.

A good thing to remember is this: pain is unavoidable, but repeating the same pain twice, when we could choose to learn and do something different, is certainly avoidable. I like to say, “we don’t need new ways to fail….the old ones are working just fine!” Our task, in business and in life, is to observe what they are, and never go back to doing them again.

 Thanks for reading
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.