Do You Respect Yourself Financially?

There is always much talk about what the secrets for achieving financial dreams, whatever they be, are. It may seem like a mystery as to why some people seem to be able to make a lot of money, keep it and then go onto make more. The truth is these people follow some basic laws concerning money management. These laws are not difficult to understand, however they do require discipline. Money management and financial knowledge is important.

I am sure that there are some people who are reading this who feel ashamed about how they handle their money. The trouble with this is that shame or guilt about finances only creates a state of "poor" thinking and this type of thinking attracts more financial trouble. To turn this around you need to focus your energy and attention on new behaviors that will establish you to think wealthy thoughts. When you feel good about how you handle money, you can learn to trust yourself.

To improve your financial health you need to start out slowly and methodically in order to develop the good habits of fiscal management. Start by asking yourself this question: "What's the one thing you need to do in order to improve your financial well-being.?" Usually you will know immediately what it is because it is baggage that you carry around with you daily, baggage that weighs you down. Then again it may be that really have no idea. If this is the case it would be very useful to contact a financial planner. Experts with knowledge on specific tax laws and investment opportunities can assess your situation and advise or make suggestions about where you need to begin. Don’t underestimate the help they could provide you.

Once you have an answer, do something about it this week. The secret is in the doing. So, just how committed are you to paying careful attention to how you spend and invest, which is the key to making and supporting wealth? Do you want to develop high financial self-esteem when handling your money? Do you want to develop good money habits and maintain the discipline to live within your means? If so, you stand to benefit by increasing your level of financial self-respect and confidence. Last, but not least, your pockets could end up being a lot, lot fuller.

How To Take a Small Step Towards Your Goals and Achieve Your Dreams

Not happy with your current state? Want more cheer, a better house, a stronger relationship, a job where you are respected and valued, or want to earn more, close more sales and buy that dream car?

Well, Quit dreaming. Just thinking about them and not taking any single step towards your dreams, your aspirations, and your desires is not going to bring them to you. That's just wishful thinking.

The moment you decide that you want something, and surge ahead to take the next step in that direction, then providence moves too, in your direction. And the object of your desire comes a step closer to you.

Rather than just dreaming, when you focus on what you want, and take the time to write it down, it becomes permanently imprinted in your subconscious. Our brain has a problem solving mechanism. You give it a problem, and it starts to find a solution all the time, even when you don't know about it. The power of the subconscious mind is limitless. The human mind has not been able to completely comprehend what our brain and our subconscious is fully capable of.

What is Goal Setting?

Goal Setting is a formal process of writing down what you wish for, what you desire, and what your truly want. Whether you want more money, or a better relationship, a new car or a better paying job, each of these is a goal. But just saying "I want more money" is not enough. The brain does not understand "more". You must tell it how much more, by explicitly describing it.

Imagine if you were to asked to find a red house in the city. Without the suburb, the zip code, the address or location, you could roam endlessly till the evening, and not be any closer to your destination. But if you are given sufficient details about the location, suburb or address, sooner or later you will find it.

The better you define the object of your desires, the better it will be for your subconscious mind to be able to find it. So the first step in achieving your goals is to define them clearly. Write them down, break them down into smaller chunks, and divide them into categories.

For example you may have financial goals or career goals. That's a category by itself. Similarly, you may want to organize your goals into these or similar categories.

Financial / Career
Social / Cultural
Family / Friends
Health / Physical
Personal Development / Educational

Once you have written down your goals in each category, group them into short term goals and long term goals. For example if you are earning $50,000 a year, and your goal might be to get to 500,000 a year later. Now I am not saying that it is impossible. Nothing is impossible! Unless you win the lottery, it will require a Herculean effort on your part to get to that figure in an year.

So chunking it down helps. Maybe, get to 80,000 in the next year,150,000 the year later, and get to 500,000 by the third, fourth or fifth year. Based on your goals, and how deeply and intensely you want those goals, work out your own blueprint to success.

Once you break it down to short term goals to attain in the next 6-12 months, you could lose 10 pounds, save $5,000 or plan for a vacation cross country. Take small steps, and get successful at doing the smalls steps. Nothing succeeds like success. As you attain small successes, you will get more confidence and more faith in your ability to attain your dream goals. Your motivation and inspiration will increase manifold, and you will be on a roll... going from peak to peak to reach your dreams.

Goal Setting Tips
1. Make sure your goals are SMART goals. Specific, Measurable, Attainable, Realistic and Time bound. This gives them power and clarity.

2. Take your 5 year goals, and split then into year by year goals. Then take your first year goal and split further into 6 months goals. Then work on the month by month increments. Work on how you will start updating your resume, or start saving $200 dollars each month, or find a book or video on Yoga or aerobic exercises.

You can even start jogging for 15-20 minutes a day, and then gradually increase it to about 30 to 45 minutes, and eventually take it to an hour of exercises. 6 months is not a very long period. You could have lost a few pounds by then, become a lot trimmer, and will have a new wardrobe of nicely fitting clothes that will give your personality an extra edge.

3. Use a Daily Checklist to remind yourself of the actions you need to take each day to achieving your goals. Don't skip a single day. Even if you can spare only 30 minutes towards your goals, doing so consistently will soon add up, and you will begin to notice the difference it is making in your life!

4. Do a periodic Review of your long and short term goals. See what is working, and feel free to make amends to reflect what you want to change, and what you have already achieved. Keep in mind that personal goal setting is an ever evolving exercise. Your goals evolve dynamically based on the changes in nature, your self and your environment. So keep reviewing them regularly to stay on course.

What are you waiting for? Go ahead, get started now. Write down your goals now. When you look back in a few months time, you will cherish this moment of decision. It will take you towards getting that house, the car, be mortgage free, or find the loving relationship you are looking for.