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On Friday, I announced the very first giveaway happening here on PFN…The “Excuses Begone” Book Giveaway! If you missed it, you still have an opportunity to enter.
Over the weekend, I gave some thought to our financial excuses: why we have them and how we let them affect our lives. Seth Godin calls these excuses, The Lizard Brain. Eckhart Tolle calls them, Voices in the Head. No matter what we call these excuses, we allow them to stunt our growth and keep us from achieving all that life has to offer us.
I can remember saying in my early 20’s as a college student, “When I start making lot’s of money, I won’t have problems managing it.” I could not have been more wrong. I’d never heard the concept, “The more you make, the more you spend.”
An excuse becomes an obstacle in your journey to success when it is made in place of your best effort or when it is used as the object of the blame. – Bo Bennett
For anyone that has given themselves a reason, not to achieve their financial best, I humbly offer a little advice. I don’t want to claim that I have all the answers, but would like to share ways I overcome my negative thoughts. Do I still have them? Of course. I’m not sure I’ll ever rid myself of negative thoughts, but I try my best to recognize them and reverse the pattern.
Be Inspired
Inspiration is my key to daily action. I don’t wait to become inspired. I create my own sources.
- Type and post my goals. These goals are posted all around my home so I can view them in the morning and evening as reminders of what I’m trying to achieve.
- Set motivational thoughts as alarms in my cell phone. Each alarm is a bit of inspiring thought to keep me on track.
- Read daily. I read stories of others who have attained success in the area I’m seeking. For example, when we were paying off debt, I constantly read stories of others who were able to achieve financial freedom.
See, inspiration is not a one time thing. It is needed constantly. So throw out your old lame excuses and take on some new financial challenges. Think about it. You could actually change the future of your family. For Generations.
The major reason for setting a goal is for what it makes of you to accomplish it. What it makes of you will always be the far greater value than what you get. - Jim Rohn
Now over to you. Can you list a few financial excuses? Do you allow them to hold you back?
Don’t forget to enter for your chance to win the book, “Excuses Begone”, written by Dr. Wayne Dyer. You must get your entries in by Wednesday, March 10, 2010.
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Have you heard about my new special report? Sign up to receive your copy today. Be sure you are subscribed by Email or RSS to find out if you are one of the winners for the “Excuses Begone” Book Giveaway! Thank you so much for reading. I really appreciate the time you spend here with me! 
Hello Readers and Friends,
Well, this day marks the start of the very first giveaway here on Personal Finance Notebook. Needless to say, I am very excited!
The prize is one of the latest books written by best selling author Dr. Wayne Dyer entitled – Excuses Begone. This book is very transformational in that he reveals 18 self thinking habits that are keeping us from reaching our full potential and how to overcome them.
Even though you may know what to think, actually changing those thinking habits that have been with you since childhood might be somewhat challenging. – Dr. Wayne Dyer
I have the hardcover and audio versions of the book and refer to both frequently. After gaining so much inspiration from them, I have decided to give away not one, but TWO copies of this book to TWO lucky people. Read the full article >>
This is a given: theft and forgetfulness.
Each and everyday, millions of us are subjected to one of or both of these casualties leaving our credit and debit cards to fall into the hands of those who are not honest enough to return them to us.
Our bank accounts can be wiped clean and credit cards charged to the max before we’ve even realized what’s happened.
I can’t make this experience totally stress free, but I will provide some tips that will keep you from becoming a helpless victim of circumstance. I’d rather be proactive now than reactive later. Let’s get started.
Things You Need To Do Now:
- Make a list. Compile a list of all credit, debit, rewards, and insurance cards, etc. in your wallet only listing the name of the card and the phone number to customer service. There is no need to include account numbers in your list. Your providers will be able to access your accounts with the personal information to supply to them verbally. Read the full article >>
Financial Contentment. I’ve thought a lot about this concept over the last few years. What does it really mean? And how does it relate to our lives?
Contentment is defined as satisfaction or ease of mind. So, we can say that Financial Contentment is being satisfied or having an ease of mind about our current financial status.
There are many thoughts that have been shared in reference to the concept of contentment.
Health is the greatest gift, contentment the greatest wealth, faithfulness the best relationship. – Buddha Read the full article >>
Hello All,
This is a photo taken in my city of one of our lottery billboards. It’s been a permanent fixture over the last few years and is a nice “enticement” for our state lottery.
Sometimes I pass this billboard and wonder how different life would probably be if I won the lottery. Would it be a change for the better or a change for the worse? I’ve told myself that since I’m better at managing my money, it would be for the better. But most of the lottery stories I’ve heard have been for the worse.
Now, I don’t play the lottery, so I don’t expect to win anytime soon . And I also don’t lust for things I don’t have, but each time I pass this sign, I do wonder, “What If?”.
Though not realistic, a girl can have a dream, can’t she?
Have you ever dreamed of or had hopes of being given a fresh start with a large amount of money?
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Have you heard about my new special report? Sign up to receive your copy today. Thank you so much for reading and I really appreciate the time you spend here. Be sure you are subscribed by Email or RSS so that you can be a part of the very first giveaway that will be happening next week!!!
Hello friends and readers,
Today, I present to you your own copy of a special report I’ve created entitled, 10 Easy Tips to Save Money Now!
If you have been a regular reader or have had a chance to read a little about my story, you know that my husband and I were able to pay off about $93,000 on November 14, 2008. No, it didn’t happen all in one day. It was a process that took us about three and a half years to complete.
During that tedious process, we often reviewed our financial state and looked for ways that we could cut a few corners thereby allowing us to apply more funds towards our debt. We were very successful in that we found ways to save ourselves about $5000 per year.
In this special report, I give in detail those big and little wins that helped us to accomplish our goals. Are these tips the new and cutting edge “secrets” that we invented? No, they are not. But they are the successful tips we used which also happen to be very simple and practical for immediate application to your life. Read the full article >>
Loan Officer: “Ma’am (or Sir), your application to borrow $5000 unsecured has been approved. Your payment is going to be $xxx.xx for 2 years at a rate of 11%. I’ll just need your signature and you’ll receive your funds. Thank you so much for doing business with us.”
Customer (like a deer in headlights): “11%?!?! I thought the lowest rate was 9.5%? Why so high? I always pay my bills on time.”
Every one of us have had or will have to cross this path to get access to funds we need, but don’t have readily available. Whether it be through loans obtained at banks/credit unions or by using credit cards, our goal should be to get approved and pay the lowest interest possible. That way we keep the cost of doing business down to a minimum getting the best possible deal and saving money for other uses.
Let’s go ahead and discuss some of the major reasons why our cost of doing business becomes expensive. Last week, I asked the question – “Why Do You Think We Pay High Interest?” I’m happy to share the great responses I received along with my elaborations and additional reasons. Read the full article >>
Greetings friends! TGIF!!! I have spent the majority of my time today with a class full of rambunctious 3rd graders. Needless to say, it’s been a very interesting one
. But now I have a quick little Q & A that I would like for you to participate in. Let me give you the details.
Over the next few days here on Personal Finance Notebook, I’ll be exploring the topic of “interest rates” and why they are low for some and extremely high for others. I know we all want to default to the fact that those who get stuck with the high rates are the one’s that don’t pay their bills, but there are additional factors to consider as well.
I’ve identified a few reasons that I’ll be communicating later, but I do want to open the floor for everyone to list their own. This is a community of learning and sharing any ideas related to Personal Finance. Read the full article >>
Today, I’ll talk about a minor problem I encountered recently. It caused some undue frustration, but the outcome was…well, let me just tell you what happened.
A few months ago, I got the opportunity to become a part of an amazing group of people by way of a forum. As you may know, forums are a wonderful way to connect with like minded individuals from anywhere in the world. Most forums are free to join and participate in, but the administrators of this forum decided to charge a very special, low introductory price because of the well known connections included. The intro price? A whole $1.95 per month – for life. Yep, that’s all…$1.95.
The introductory price was to last only for a short while, so I secured my $1.95 per month for life price immediately. I had nothing to lose. If I didn’t get any value from it, I could cancel at any time. Pretty good investment if you ask me.
Well, about two weeks ago, I tried to log into the forum only to find that there was a bit of a problem. My username and password were not working. I tried several times, but no success. Hmmm… Read the full article >>
If you are planning on being successful with your finances this year, you and a written budget should consider becoming very familiar with each other.
I wish there were an exception to this process, but your spending plan IS your roadmap to financial success. Every month, I conquer my battle against financial distress by creating a budget. It’s my battle plan.
Many times we get discouraged after we attempt a new process only to be stopped dead in our tracks by roadblocks. Are these roadblocks meant to be a dead end? No. A roadblock is an action or condition that obstructs or hinders progress toward an objective. Very important words – obstructs or hinders – not stop. Read the full article >>
On Friday, I announced the very first giveaway happening here on PFN…The “Excuses Begone” Book Giveaway! If you missed it, you still have an opportunity to enter.
