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	<title>Personal Finance Notebook</title>
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	<link>http://www.personalfinancenotebook.com</link>
	<description>Personal Finance Notebook: Ideas, education &#38; motivation for financial success</description>
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		<title>What Abundance Is And Isn&#8217;t</title>
		<link>http://www.personalfinancenotebook.com/2012/03/12/what-abundance-is-and-isnt/</link>
		<comments>http://www.personalfinancenotebook.com/2012/03/12/what-abundance-is-and-isnt/#comments</comments>
		<pubDate>Mon, 12 Mar 2012 11:00:09 +0000</pubDate>
		<dc:creator>Patrenia</dc:creator>
				<category><![CDATA[Motivation]]></category>
		<category><![CDATA[abundance]]></category>
		<category><![CDATA[financial happiness]]></category>
		<category><![CDATA[financial peace]]></category>
		<category><![CDATA[financial success]]></category>
		<category><![CDATA[money]]></category>

		<guid isPermaLink="false">http://www.personalfinancenotebook.com/?p=1784</guid>
		<description><![CDATA[It’s challenging to keep the perspective of abundance within focus daily, but I hope to make it a top of mind subject regularly. Not so that we can sit back in all smiles rejoicing over all of the things we’ve acquired. The reason is the exact opposite. It’s to be that small voice that reminds [...]]]></description>
			<content:encoded><![CDATA[<p></p><p><a href="http://www.personalfinancenotebook.com/wp-content/uploads/2012/03/Abundance.jpg"><img style="background-image: none; margin: 0px 15px 0px 0px; padding-left: 0px; padding-right: 0px; display: inline; float: left; padding-top: 0px; border-width: 0px;" title="Abundance" src="http://www.personalfinancenotebook.com/wp-content/uploads/2012/03/Abundance_thumb.jpg" alt="Abundance" width="166" height="246" align="left" border="0" /></a>It’s challenging to keep the perspective of abundance within focus daily, but I hope to make it a top of mind subject regularly.</p>
<p>Not so that we can sit back in all smiles rejoicing over all of the things we’ve acquired.  The reason is the exact opposite.</p>
<p>It’s to be that small voice that reminds you to see your life through new eyes.  To see the abundance <em>within you</em>&#8230;not outside of you.</p>
<p align="left">At first, abundance could be thought of as the things you have, the amount of money you make, how well known you are or even your job title at work.  You know, all the outward accomplishments.</p>
<p><span id="more-1784"></span></p>
<p align="left">But the best definition I’ve seen so far is…</p>
<p align="left"><a href="http://www.personalfinancenotebook.com/wp-content/uploads/2012/03/Abundance-Quote1.jpg"><img class="aligncenter  wp-image-1794" title="Abundance Quote" src="http://www.personalfinancenotebook.com/wp-content/uploads/2012/03/Abundance-Quote1.jpg" alt="" width="387" height="71" /></a></p>
<p align="left">Tuning into the direct connection with source <em>(God).</em>  I think most of our unhappiness derives from the outward pursuit of our goals without first connecting to source to show gratitude and thanks just for be-(ing).  That means the abundant being you are in mind, body and spirit.</p>
<p align="left">Not sure if you think about this often, but we are awesome creations…magnificently and wonderfully made.  So instead of letting your thoughts participate in the Daytona 500 <em>(comparisons to others, focusing on what you don’t have, etc),</em> STOP and tune into the abundance that is already within you.  You are already rich beyond measure.  Once you tune into that <em>daily</em> within, the outward manifestations of that abundance will start to unfold for you.  That way you get to experience to full enjoyment of what your life was intended to be.</p>
<p align="left"><span style="color: #800000;"><strong>What’s your experience?  How do you remember the abundance that’s always present? If you don&#8217;t, what&#8217;s your plan for starting?  Let&#8217;s talk about it in the comments below.<br />
</strong></span></p>
<p align="left">***</p>
<p align="left"><em>Want daily reminders to help with this process?</em>  Come on over and participate in our <a href="http://www.facebook.com/personalfinancenotebook" target="_blank">Facebook Community</a>.  Daily thoughts and discussions are shared to help you stay focused on what’s true and important each day.</p>
<p align="left"><strong><span style="color: #800000;">Remember:</span></strong> Being financially successful is not only about creating budgets.  The first hurdle is to correct the mental framework that keeps us in the same position year after year.</p>
<p>Image by: <a href="http://http://www.flickr.com/photos/kellycree/4913545395/in/set-72157624775757778/" target="_blank">Kelly Cree</a></p>
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		<title>The Things They Forgot To Tell You</title>
		<link>http://www.personalfinancenotebook.com/2012/02/27/the-things-they-forgot-to-tell-you/</link>
		<comments>http://www.personalfinancenotebook.com/2012/02/27/the-things-they-forgot-to-tell-you/#comments</comments>
		<pubDate>Mon, 27 Feb 2012 13:00:54 +0000</pubDate>
		<dc:creator>Patrenia</dc:creator>
				<category><![CDATA[Motivation]]></category>
		<category><![CDATA[balance]]></category>
		<category><![CDATA[discipline]]></category>
		<category><![CDATA[lessons]]></category>
		<category><![CDATA[smile]]></category>
		<category><![CDATA[wisdom]]></category>

		<guid isPermaLink="false">http://www.personalfinancenotebook.com/?p=1759</guid>
		<description><![CDATA[When I was a kid, I remember being so anxious about becoming an adult.  As each year passed and the birthdays came and went, I was enthused about the future and making my own pathway into the world. Fast forward to college, I’d dream about the great job I was going to have after graduation.  [...]]]></description>
			<content:encoded><![CDATA[<p></p><p><a href="http://www.personalfinancenotebook.com/wp-content/uploads/2012/02/oops.jpg"><img style="background-image: none; margin: 0px 12px 0px 0px; padding-left: 0px; padding-right: 0px; display: inline; float: left; padding-top: 0px; border: 0px;" title="oops" src="http://www.personalfinancenotebook.com/wp-content/uploads/2012/02/oops_thumb.jpg" alt="oops" width="244" height="184" align="left" border="0" /></a>When I was a kid, I remember being so anxious about becoming an adult.  As each year passed and the birthdays came and went, I was enthused about the future and making my own pathway into the world.</p>
<p>Fast forward to college, I’d dream about the great job I was going to have after graduation.  The details of how I was going to get there didn’t matter…<em>the world was going to be my oyster. <span id="more-1759"></span></em></p>
<p>Looking back, I can see how naïve I was…having parents that provided for my brother and I.  Often sacrificing without not even one noticeable flinch.  If they worried…we didn’t know it.  If they cried…we didn’t know it.</p>
<p>So as an adult, when the tough parts of life hit me, it was a little tough to overcome.  The life I’d imagined was a carousel, but in reality it was a roller coaster.  Blind sighted…I wanted to throw up both arms and scream…<em>“HEY!!! LET ME OFF!!!  I didn’t sign up for this!!!”</em>  But it’s too late.  Firstly, no one hears you (it’s too noisy) and frankly they really don’t care to hear about your troubles.  They’ve got enough of their own.</p>
<p>Fortunately, the ride does stop.  But it’s a question of when? And how do you bear the time you have remaining? Part of the answer is to live patiently in excellence which increases your chances of a safe and swift arrival.</p>
<p><a href="http://www.personalfinancenotebook.com/wp-content/uploads/2012/02/Complain-Quote.jpg"><img style="display: block; float: none; margin-left: auto; margin-right: auto;" title="Complain Quote" src="http://www.personalfinancenotebook.com/wp-content/uploads/2012/02/Complain-Quote_thumb.jpg" alt="Complain Quote" width="270" height="82" /></a></p>
<h3><span style="color: #800000;"><strong>Here are a few additional suggestions:</strong></span></h3>
<ul>
<li><span style="color: #800000;"><strong>Smile when you feel like crying. </strong></span></li>
</ul>
<p>Don’t let your what’s going on inwardly affect the energy you put out into the world.  It’s not that you’re trying to put on a façade so that others won’t see what’s really going on.  It’s the total opposite.  You want to <em>live as if</em> so that you attract your the desired solution.</p>
<p>Now, this is not a license to ignore the problem.  Face it an handle it quickly.  It’s just to smile through it knowing that it’ll work out.</p>
<ul>
<li><span style="color: #800000;"><strong>Work like you don’t need the money.</strong></span></li>
</ul>
<p>That’s only one line from an old Irish proverb.  The full version is:</p>
<p>Work like you don’t need the money, dance like no one is watching, sing like no one is listening, love like you’ve never been hurt and live life every day as if it were your last.</p>
<p>But watch out: this may cause you to act a bit carelessly which is the opposite of what you desire.  This action is more like creating a fervent walk of faith.  Or like starting a new exercise regimen.  When you start the program, the adjustment is hard for a while.  But after the each day’s progression and being consistent, you’ve created a whole new attitude to have when managing problems.</p>
<ul>
<li><span style="color: #800000;"><strong>Don’t worry. </strong></span></li>
</ul>
<p>We all know about worry, but how many of us still do it?  Let’s see a show of hands.  Come on…it’s just between you and I.<img class="wlEmoticon wlEmoticon-winkingsmile" style="border-style: none;" src="http://www.personalfinancenotebook.com/wp-content/uploads/2012/02/wlEmoticon-winkingsmile.png" alt="Winking smile" /></p>
<p>The right action is to take baby steps…so things don’t get so stressful.  There is nothing you can do about yesterday…it is history.  You can’t even focus on tomorrow because it’s a mystery.  Be here…right now.  Do what you can with what you can.  No more…no less.  Worrying about the problem does not solve it.  It just creates more of the same.</p>
<ul>
<li><span style="color: #800000;"><strong>Enjoy what you can’t see.</strong></span></li>
</ul>
<p><span style="color: #111111;">Shift your mind to the things you cannot see.  Then you’ll be reminded of the miracles that happen in your life daily.  Like the carbon dioxide that we breathe.  The wind that shifts.  The evaporation of water into condensation that lifts into the air creating clouds.  Try this little experiment:  Real Quick…Go run and get a glass of water and put it on the table next to you.  Take a good look at the water.  Can you guess how old it is?  Hmmmmm…  This is what it’s all about –<em> the best things in life are unseen so don’t focus only what you can see</em>. </span></p>
<ul>
<li><span style="color: #800000;"><strong>Get Some Rest.</strong></span></li>
</ul>
<p>Have you ever made an important decision when you were tired?  Well, here’s my personal experience on the matter:  Good, sound decisions are not made with a brain and body that is sleep deprived.  Whatever the question is, allow yourself the freedom to use the 24 hour rule.  If that time frame is too long, politely decline without regret.</p>
<p>***</p>
<p>Most of the time during my early life learning experiences, I spent too much time beating my head up against the wall.  Mainly confused because I didn’t feel adequately prepared for these important tasks.  Nope, there weren&#8217;t any manuals.  Still aren&#8217;t.  But what I do know now is that each life experience is different and to decrease the learning curve a good idea is to learn from each other.  This sharing acts as a teaching tool so that we don&#8217;t all make the same mistakes.</p>
<p style="text-align: left;"><span style="color: #800000;"><em><strong>Were you surprised by life when it didn’t happen the way you intended? Is there a life experience you wish you would have been warned about?  Let us know in the comments below&#8230; </strong></em></span></p>
<p style="text-align: left;">Image by <a href="http://www.flickr.com/photos/nolarisingproject/4800474846/in/gallery-47830175@N08-72157627951416327/" target="_blank">dingler1109</a></p>
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		<title>AN ESCAPE ROUTE TO FINANCIAL FREEDOM</title>
		<link>http://www.personalfinancenotebook.com/2012/02/20/an-escape-route-to-financial-freedom/</link>
		<comments>http://www.personalfinancenotebook.com/2012/02/20/an-escape-route-to-financial-freedom/#comments</comments>
		<pubDate>Mon, 20 Feb 2012 19:32:49 +0000</pubDate>
		<dc:creator>Patrenia</dc:creator>
				<category><![CDATA[Miscellaneous]]></category>
		<category><![CDATA[escape route]]></category>
		<category><![CDATA[Financial Freedom]]></category>

		<guid isPermaLink="false">http://www.personalfinancenotebook.com/?p=1732</guid>
		<description><![CDATA[As promised, here is the report I’ve been working on for the last few months, An Escape Route to Financial Freedom.  It reveals six pathways that will lead you to the remarkable life you’ve been called to live.  The foundation needed to create the lasting change you want in your life. I started it early [...]]]></description>
			<content:encoded><![CDATA[<p></p><p><a href="http://www.personalfinancenotebook.com/wp-content/uploads/2012/02/FreeEbookPic2.jpg"><img style="background-image: none; margin: 0px 15px 0px 0px; padding-left: 0px; padding-right: 0px; display: inline; float: left; padding-top: 0px; border-width: 0px;" title="FreeEbookPic2" src="http://www.personalfinancenotebook.com/wp-content/uploads/2012/02/FreeEbookPic2_thumb.jpg" alt="FreeEbookPic2" width="267" height="179" border="0" /></a>As promised, here is the report I’ve been working on for the last few months, <em>An Escape Route to Financial Freedom.  </em></p>
<p>It reveals six pathways that will lead you to the <em>remarkable</em> life you’ve been called to live.  The foundation needed to create the lasting change you want in your life.<span id="more-1732"></span></p>
<p>I started it early 2010, but unfortunately it suffered the same delay as the site.  Again, I knew what I wanted to say, but I couldn’t find the right direction to complete it.  So for the last couple of months, I’ve taken the time required to sit, reflect and listen.</p>
<h2><span style="color: #800000;">Who Is It For?</span></h2>
<p>The student that is ready.  If you’re really ready to create a better financial life…then it’s for you.  No matter where you are financially…there is always room for improvement.  So if you want your financial life to grow far beyond what it is now…read…then apply.</p>
<h2><span style="color: #800000;">What You’ll Discover:</span></h2>
<ul>
<li>A Descriptive Definition of Financial Freedom</li>
<li>The One and Only Secret to Financial Success</li>
<li>Six Pathways That Will Get You There (Challenges Included)</li>
</ul>
<p>For those of you who are already on the  newsletter list, you should have received your copy via email last week.  If you’re not on the newsletter list, it does require you to sign up, but it’s painless.  Just enter your first name and email address below and it’ll be sent over to you pronto!</p>
<h2><span style="color: #800000;">Action Step</span></h2>
<p>Answer the following questions:  <em>Financial Freedom, Abundance and Independence: What does that look and feel like to you?  How do you plan to take action today?<br />
</em></p>
<p>Feel free to share your answer to that question in the comments section below.</p>
<p>I wish you so much success.  Thanks so much for reading!</p>
<p><a href="http://www.personalfinancenotebook.com/wp-content/uploads/2012/02/My-Signature-first-name.jpg"><img style="background-image: none; padding-left: 0px; padding-right: 0px; display: inline; float: left; padding-top: 0px; border-width: 0px;" title="My Signature - first name" src="http://www.personalfinancenotebook.com/wp-content/uploads/2012/02/My-Signature-first-name_thumb.jpg" alt="My Signature - first name" width="240" height="40" border="0" /></a></p>
<p>&nbsp;</p>
<p>&nbsp;</p>
<p>###</p>
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		<title>The Re-Launch of Personal Finance Notebook!</title>
		<link>http://www.personalfinancenotebook.com/2012/02/13/the-re-launch-of-personal-finance-notebook/</link>
		<comments>http://www.personalfinancenotebook.com/2012/02/13/the-re-launch-of-personal-finance-notebook/#comments</comments>
		<pubDate>Mon, 13 Feb 2012 13:30:43 +0000</pubDate>
		<dc:creator>Patrenia</dc:creator>
				<category><![CDATA[Miscellaneous]]></category>
		<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[goals]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[setting goals]]></category>
		<category><![CDATA[success]]></category>
		<category><![CDATA[thank you]]></category>

		<guid isPermaLink="false">http://www.personalfinancenotebook.com/?p=1694</guid>
		<description><![CDATA[Today is THE day!!! At the time of this writing, the last post made here was July 1, 2010, a little over 1 year and 6 months ago. First, I must say WELCOME to the Re-Launch and THANK YOU for being a part of this community! Second, I’ve got to answer this question…What happened? A [...]]]></description>
			<content:encoded><![CDATA[<p></p><p><a href="http://www.personalfinancenotebook.com/wp-content/uploads/2012/02/The-empty-book.jpg"><img style="background-image: none; margin: 0px 13px 13px 0px; padding-left: 0px; padding-right: 0px; display: inline; float: left; padding-top: 0px; border-width: 0px;" title="The empty book" src="http://www.personalfinancenotebook.com/wp-content/uploads/2012/02/The-empty-book_thumb.jpg" alt="The empty book" width="297" height="221" align="left" border="0" /></a>Today is <strong>THE</strong> day!!!</p>
<p>At the time of this writing, the last post made here was July 1, 2010, a little over 1 year and 6 months ago.  First, I must say WELCOME to the Re-Launch and THANK YOU for being a part of this community!</p>
<p>Second, I’ve got to answer this question…What happened?  <em>A lot!</em>  I’ll get more into the details</p>
<p><span id="more-1694"></span></p>
<p> in a moment, but I’ll go ahead and tell you one significant lesson I learned.</p>
<p align="center"><strong><span style="color: #800000;"><em>It’s really important to listen to life as it talks to you.</em></span></strong></p>
<p>Now at the time I stepped away, I didn’t think that it would be so long, but as time continued to pass it became more apparent that I needed the space to really listen to what I needed to do.</p>
<p>The three major issues were: <em>Number 1</em>, I wasn’t really satisfied with the direction I was taking the site.  <em>Number 2</em>, I’d started a new job.  And N<em>umber 3</em>, I just don’t think the time was right.  The interference was so loud that I could no longer ignore it.</p>
<p>Right from the beginning, I started with <em>I think</em> some pretty good information…creating budgets, paying off debt, reaching goals, etc.  But something just didn’t feel right about the approach.  I really wanted to get the message out about us and our money, but I didn’t feel that it was in the right way.</p>
<p><a href="http://www.personalfinancenotebook.com/wp-content/uploads/2012/02/Jossie-Estrella-Quote.png"><img style="background-image: none; padding-left: 0px; padding-right: 0px; display: block; float: none; margin-left: auto; margin-right: auto; padding-top: 0px; border-width: 0px;" title="Jossie Estrella Quote" src="http://www.personalfinancenotebook.com/wp-content/uploads/2012/02/Jossie-Estrella-Quote_thumb.png" alt="Jossie Estrella Quote" width="452" height="123" border="0" /></a></p>
<p><span style="color: #000000;">My ultimate goal is to make a positive contribution to the world, to encourage, motivate and teach…in a way that matters.  I can’t tell you how many times over the past year and a half I’ve heard the following words, <em>“Patrenia, you really should be a teacher!”</em>  I cannot say that I know everything…who does?  But what I do know…I’ll share.  And what I don’t know…I’ll learn, then share.</span></p>
<p><span style="color: #000000;">So with that in mind, I’ve created a skeleton vision of what I want PFN to look like and how I will write for it.  I’ll add layers as we go along.  One thing I do know, it won’t be your traditional personal finance blog.  To give you a hint about the direction, I’ll repost here the information from the About section of the <a href="http://www.facebook.com/personalfinancenotebook" target="_blank">Facebook Fan Page</a></span><span style="color: #000000;"> &#8230; <em>&#8220;Personal Finance Notebook celebrates financial abundance and independence.&#8221;</em></span></p>
<p><span style="color: #000000;">Ahhh! That just feels better to me.  I don’t want to batter people who have made money mistakes or have been a victim of the current economy…that comes off as very judgmental to me <em>(of which I have no right to be).</em>  Encouragement and gaining knowledge are much better options.  And as the saying goes, when you know better…you do better!</span></p>
<p><span style="color: #000000;">Looking ahead, here’s what I’d like to see six months from now:</span></p>
<ul>
<li><span style="color: #000000;">High-quality and engaging content consisting of at least one post here per week.  </span></li>
<li><span style="color: #000000;">Regular weekly Facebook and Twitter Interaction.  You many participate in the Facebook community <a href="http://www.facebook.com/personalfinancenotebook" target="_blank">here</a>.</span></li>
<li><span style="color: #000000;">An average of at least 200+ regular readers who follow PFN via email updates.</span></li>
</ul>
<h3><span style="color: #800000; font-weight: bold;">What You Can Expect Going Forward</span></h3>
<p><span style="color: #000000;">Helpful, encouraging, motivational information to help you ARISE to the next level in financial abundance!  I’m ready…</span></p>
<p>I hope you enjoy it!</p>
<p><span style="color: #000000;">p.s. ARISE is my theme for this year inspired by this scripture… <em>“Arise, walk through the land in the length of it and breadth of it; for I will give it unto thee.” Gen. 13:17  </em></span></p>
<p>***</p>
<p>Next Monday, I’ll release a free eBook that I’ve been working on for some time called <em>An Escape Route to Financial Freedom: Six Pathways That Will Lead You to The Remarkable Life You’ve Been Called To Live</em> here on the site.  For those of you who are already email subscribers, you will receive your free copy tomorrow morning about 8am CST.</p>
<p>The report is completely free – it’s just filled with many concepts for you to ponder and put into action.  It also helps you to answer a few  important questions that I’m sure you’ve tried your best to figure out.</p>
<h2><span style="color: #800000;">How You Can Help with the Release</span></h2>
<p>If the eBook inspires you in any way, feel free to come back here and share you experience.  Also, I’d really appreciate it if you’d help me spread the word about the release next week.  If you have a presence on Facebook, Twitter or friend’s email addresses AND you find the eBook worthy of attention, I’d be really thankful if you would tell your friends about it.</p>
<p>So, that’s all folks!  I just want to say again that I’m so excited about this community.  I just believe that as we grow, we’ll inspire others to grow.</p>
<p>See you next week?</p>
<p>Image by <a href="http://www.flickr.com/photos/hirok/">Bidrohi >H!ROK<</a></p>
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		<title>Site Update: January 2012</title>
		<link>http://www.personalfinancenotebook.com/2012/01/30/site-update-january-2012/</link>
		<comments>http://www.personalfinancenotebook.com/2012/01/30/site-update-january-2012/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 13:00:25 +0000</pubDate>
		<dc:creator>Patrenia</dc:creator>
				<category><![CDATA[Miscellaneous]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[escape route]]></category>
		<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://www.personalfinancenotebook.com/?p=1513</guid>
		<description><![CDATA[Well, hello there!  It’s been a while I know, but I’m on my way back to a regular involvement with this site.  I’m very excited because I’ve definitely missed having the opportunity to interact with you on a regular basis.  What happened, you say? I’ll explain later.  But right now, I want to talk more [...]]]></description>
			<content:encoded><![CDATA[<p></p><p><a href="http://www.personalfinancenotebook.com/wp-content/uploads/2012/01/not-home.jpg"><img style="background-image: none; padding-left: 0px; padding-right: 0px; display: block; float: none; margin-left: auto; margin-right: auto; padding-top: 0px; border-width: 0px;" title="not home" src="http://www.personalfinancenotebook.com/wp-content/uploads/2012/01/not-home_thumb.jpg" alt="not home" width="303" height="200" border="0" /></a></p>
<p>Well, hello there!  It’s been a while I know, but I’m on my way back to a regular involvement with this site.  I’m very excited because I’ve definitely missed having the opportunity to interact with you on a regular basis.  What happened, you say?<span id="more-1513"></span> I’ll explain later.  But right now, I want to talk more about the future plans for the site which I hope you’ll want to be a part of.</p>
<p>Ironically, as I was starting to write this post, I was watching Oprah’s Life Class when she was talking about <em>The Plague of America: Money</em>.  It was an awesome class and it validated the constant pull  that I’ve felt over the last few years to start a conversation to help us all  rise and realize that we can all live an abundant life.  It’s just a matter of learning how.</p>
<p>So, here’s what I have currently in store.  In a few weeks,  February 13, 2012, I will do an official re-launch Personal Finance Notebook.  The following week, I’ll release a free guide that I’ve written just for readers who are interested in becoming a part of this community.  The guide is called, <span style="color: #c0504d;"><strong><span style="color: #000000;">An</span></strong> <span style="color: #000000;"><strong>Escape Route to Financial Freedom: Six Pathways That Will Lead You to Live the Remarkable Life You’ve Been Called to Live.</strong></span></span><span style="color: #000000;">  For those of you who are already a part of the community, I’ve decided to send it to you a few days prior to the site release.  It’s something that I’ve poured my heart into.   I know that many of you have probably created those New Years Resolutions to become better managers of your money so I pray that this guide will help you along your journey to the financial abundance you seek.</span></p>
<p><span style="color: #000000;"><strong><span style="color: #ff0000;">SIDE NOTE!</span>  I am in the process of merging all subscribers to one email management system.  I apologize, but for those of you that receive the site updates via Google, please look out for a confirmation email that will be coming to you within the next day or so.  I need you to re-confirm your email with the new system.  If you don&#8217;t receive the email, no worries&#8230;you are already a part of the main account.  </strong></span></p>
<p>I have lots more to say, but I won’t bore you with the details at this point.  For now, mark your calendars for February 13, 2012.  If you’d like to participate further in the development of this project, see what you can do below:</p>
<ul>
<li>I’m currently very active on <a href="http://www.facebook.com/personalfinancenotebook" target="_blank">Facebook</a> and <a href="http://twitter.com/patreniaspears" target="_blank">Twitter</a>.  Feel free to stop in, say hi and start interacting there.</li>
<li>Leave a comment at the end of this post…all are welcome!  What are your ideas? What’s happening financially in your own life? Do you feel that you are living your life in complete abundance?  It&#8217;s o.k. if the situation is good.  It&#8217;s also o.k. if it&#8217;s a challenging time right now.  We&#8217;re here to support each other.  If you would like to share your ideas or story in a more private forum, you can email me at patrenia.spears [@] personalfinancenotebook.com <em>(without the brackets).</em> Information shared via e-mail will not be released, shared or exposed without your permission.</li>
<li>Read more about my new vision for the site <a href="http://www.personalfinancenotebook.com/aboutme" target="_blank">here</a> and the community <a href="http://personalfinancenotebook.com/the-community" target="_blank">here</a>.</li>
<li>Spread the word.</li>
</ul>
<p>That’s all for now.  Don’t forget to help me get the word out! <span style="color: #800000;"><strong>PUSH…February 2012!!!</strong></span>  Thank you all so much and I look forward to a wonderful year.</p>
<p>Yours in Service,</p>
<p><a href="http://www.personalfinancenotebook.com/wp-content/uploads/2012/01/My-Signature-first-name.jpg"><img style="background-image: none; padding-left: 0px; padding-right: 0px; display: inline; padding-top: 0px; border-width: 0px;" title="My Signature - first name" src="http://www.personalfinancenotebook.com/wp-content/uploads/2012/01/My-Signature-first-name_thumb.jpg" alt="My Signature - first name" width="240" height="40" border="0" /></a></p>
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		<title>The Trouble Tree</title>
		<link>http://www.personalfinancenotebook.com/2010/07/01/the-trouble-tree/</link>
		<comments>http://www.personalfinancenotebook.com/2010/07/01/the-trouble-tree/#comments</comments>
		<pubDate>Fri, 02 Jul 2010 03:20:53 +0000</pubDate>
		<dc:creator>Patrenia</dc:creator>
				<category><![CDATA[Self-Improvement]]></category>
		<category><![CDATA[gratitude]]></category>
		<category><![CDATA[issues]]></category>
		<category><![CDATA[thank you]]></category>
		<category><![CDATA[trouble]]></category>

		<guid isPermaLink="false">http://www.personalfinancenotebook.com/?p=1402</guid>
		<description><![CDATA[Regardless of where you are in your life right now, you are no stranger to trouble.  I know I’m not.  It seems that not a week goes by where I’m not faced with some issue or a tough decision that must be made.  You may not think so, but all of these things weigh heavily [...]]]></description>
			<content:encoded><![CDATA[<p></p><p><a href="http://www.flickr.com/photos/aidanmorgan/3097597524/"><img style="margin: 0px 10px 0px 0px; display: inline; border-width: 0px;" title="ghost tree" src="http://www.personalfinancenotebook.com/wp-content/uploads/2010/07/ghosttree.jpg" border="0" alt="ghost tree" width="244" height="166" align="left" /></a> Regardless of where you are in your life right now, you are no stranger to trouble.  I know I’m not.  It seems that not a week goes by where I’m not faced with some issue or a tough decision that must be made. </p>
<p>You may not <em>think </em>so, but all of these things weigh heavily upon us.  Our minds, our health, our spirits and<span id="more-1402"></span> our attitudes are not all at their peak.</p>
<p>Well, I came across a very short, but inspiring story that I’d like to share with you today called <em>The Trouble Tree</em>.  You may read it below:</p>
<blockquote><p><em>The carpenter I hired to help me restore an old farmhouse had just finished a rough first day on the job. A flat tire made him lose an hour of work, his electric saw quit, and now his ancient pickup truck refused to start. While I drove him home, he sat in stony silence.</em></p>
<p><em>On arriving, he invited me in to meet his family. As we walked toward the front door, he paused briefly at a small tree, touching the tips of the branches with both hands. When opening the door he underwent an amazing transformation. His tanned face was wreathed in smiles and he hugged his two small children and gave his wife a kiss.</em></p>
<p><em>Afterward he walked me to the car. We passed the tree and my curiosity got the better of me. I asked him about what I had seen him do earlier.</em></p>
<p><em>&#8220;Oh, that&#8217;s my trouble tree,&#8221; he replied.&#8221; I know I can&#8217;t help having troubles on the job, but one thing&#8217;s for sure, troubles don&#8217;t belong in the house with my wife and the children. So I just hang them on the tree every night when I come home. Then in the morning I pick them up again.&#8221;</em></p>
<p><em>He paused. &#8220;Funny thing is,&#8221; he smiled, &#8220;when I come out in the morning to pick &#8216;em up, there ain&#8217;t nearly as many as I remember hanging up the night before.&#8221;</em></p>
<p><em>~Author Anonymous</em></p>
</blockquote>
<p><span style="color: #000000;">So for those of you out there with any type of trouble today, consider creating your own trouble tree.  Your family, friends and your own mind just might appreciate you for it. <img src='http://www.personalfinancenotebook.com/wp-includes/images/smilies/icon_smile.gif' alt=':-)' class='wp-smiley' /> </span></p>
<p><span style="color: #000000;">***</span></p>
<p><span style="color: #800000;"><strong>A Quick Announcement</strong></span></p>
<p><span style="color: #000000;">Last week, I posted a giveaway for you the readers here at Personal Finance Notebook.   Thank you all so much for your wonderful comments.  Your words made me realize that although this community is very small, I have a good concept going here and I need to be extremely dedicated to improving and marketing it.  </span><span style="color: #000000;">I have to remind myself that this is a work in progress.  Rome wasn’t built in a day.  </span></p>
<p><span style="color: #000000;">In the next few weeks, I’ll be implementing a few changes, updates and additions to the site.  Just a little side note, if you are signed up as an email update reader, please be on the lookout for a personal email from me in the near future.  </span></p>
<p><span style="color: #000000;">Also if you didn’t make a comment, but you read the articles posted here (maybe you were a little shy), thank you as well.  I know I say this all the time, but I really appreciate the time you take to read <em>Personal Finance Notebook</em> each week.  It can only go up from here!</span></p>
<p><span style="color: #000000;">Ok, Ok…enough with all the preliminaries, 0n to announcing the winner of the $25 Amazon gift card.  <strong><span style="color: #800000;">The winner is:  Eric Watermolen</span></strong> (commenter #3)  Congratulations, Eric!<a href="http://www.personalfinancenotebook.com/wp-content/uploads/2010/07/AmazonGiveaway.png"><img style="display: inline; margin-left: 0px; margin-right: 0px; border-width: 0px;" title="Amazon Giveaway" src="http://www.personalfinancenotebook.com/wp-content/uploads/2010/07/AmazonGiveaway_thumb.png" border="0" alt="Amazon Giveaway" width="102" height="109" align="right" /></a></span></p>
<p><span style="color: #000000;">Ghost Tree Image by <a href="http://www.flickr.com/photos/aidanmorgan/3097597524/" target="_blank">John-Morgan</a></span></p>
<p>###</p>
<p>Connect with the Personal Finance Notebook Community <a href="http://www.facebook.com/patreniaspears#!/pages/Personal-Finance-Notebook-with-Patrenia-Spears/222806931523?ref=ts" target="_blank">here</a> on Facebook!</p>
<p><span style="color: #000000;"> </span></p>
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		<title>A Simple Thanks To You and FREE Prize Inside</title>
		<link>http://www.personalfinancenotebook.com/2010/06/24/a-simple-thanks-to-you-and-free-prize-inside/</link>
		<comments>http://www.personalfinancenotebook.com/2010/06/24/a-simple-thanks-to-you-and-free-prize-inside/#comments</comments>
		<pubDate>Fri, 25 Jun 2010 02:29:32 +0000</pubDate>
		<dc:creator>Patrenia</dc:creator>
				<category><![CDATA[Giveaways]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[thank you]]></category>

		<guid isPermaLink="false">http://www.personalfinancenotebook.com/?p=1381</guid>
		<description><![CDATA[Hello dear friends and readers, Today I wanted to write a short note to all of you to just say “Thank You”.  Thank you for coming to the site, subscribing and being a faithful reader of Personal Finance Notebook.  I’ve been on this journey of sharing ideas related to personal finance officially since November of [...]]]></description>
			<content:encoded><![CDATA[<p></p><p><a href="http://www.flickr.com/photos/denisecarbonell/3008206794/" target="_blank"><img style="margin: 0px 15px 0px 0px; display: inline; border-width: 0px;" title="listen &amp; hope" src="http://www.personalfinancenotebook.com/wp-content/uploads/2010/06/listenhope.png" border="0" alt="listen &amp; hope" width="244" height="164" align="left" /></a> Hello dear friends and readers,</p>
<p>Today I wanted to write a short note to all of you to just say <em>“Thank You”.</em>  Thank you for coming to the site, subscribing and being a faithful reader of Personal Finance Notebook.  I’ve been on this journey of sharing ideas related to personal finance officially since <span id="more-1381"></span>November of last year.  Time sure flies when you’re having fun. <img src='http://www.personalfinancenotebook.com/wp-includes/images/smilies/icon_smile.gif' alt=':-)' class='wp-smiley' /> </p>
<p>I have met so many wonderful people.  Many of you have sent emails of encouragement, <a href="http://feedburner.google.com/fb/a/mailverify?uri=personalfinancenotebook/DRbl&amp;loc=en_US" target="_blank">subscribed to receive articles as they are posted</a>, commented on articles that have been of interest and <a href="http://www.facebook.com/patreniaspears#!/pages/Personal-Finance-Notebook-with-Patrenia-Spears/222806931523?ref=ts" target="_blank">joined the small community on Facebook</a>.  For all of that I am truly grateful!</p>
<p>Now to show my appreciation for all of you, I’d like to do a little giveaway.  I have an Amazon Gift Card valued at $25 in my Amazon shopping cart.  <strong><span style="color: #800000;">In order to participate in the giveaway, please leave a comment stating a reason or reasons why you read Personal Finance Notebook.</span></strong>  On Wednesday, I’ll number each comment <em>(in order)</em> and use a random number generator to choose the winner.  The announcement of the winner will be made in Thursday’s post.  It’s that simple!</p>
<p style="text-align: left;">Ok, well that’s all for now.  Thanks again and I look forward to reading what you all have to say.  But before I go, I’ll just leave you with a statement that I&#8217;ve taken as my unofficial motto:</p>
<blockquote><p><em><em>“Education is a social process. Education is growth. Education is, not a preparation for life; education is life itself.” <em>~John Dewey</em></em></em></p></blockquote>
<p>Image Cred <a href="http://www.flickr.com/photos/denisecarbonell/3008206794/" target="_blank">denise carbonell</a></p>
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		<title>What&#8217;s Stopping You?</title>
		<link>http://www.personalfinancenotebook.com/2010/05/29/whats-stopping-you/</link>
		<comments>http://www.personalfinancenotebook.com/2010/05/29/whats-stopping-you/#comments</comments>
		<pubDate>Sat, 29 May 2010 02:19:02 +0000</pubDate>
		<dc:creator>Patrenia</dc:creator>
				<category><![CDATA[Managing Money]]></category>
		<category><![CDATA[Money Basics]]></category>
		<category><![CDATA[Self-Improvement]]></category>
		<category><![CDATA[financial troubles]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[procrastination]]></category>

		<guid isPermaLink="false">http://www.personalfinancenotebook.com/?p=1334</guid>
		<description><![CDATA[To get into your rightful place financially, you have to move past what has not only become comfortable, but what has become just a way of life.  When I say comfortable, I’m basically talking about life as usual.  We have dreams of something bigger and better, but getting there sometimes seems too difficult.  What we [...]]]></description>
			<content:encoded><![CDATA[<p></p><p><a href="http://www.flickr.com/photos/shawnzlea/2005932/" target="_blank"><img style="margin: 0px 15px 0px 0px; display: inline; border-width: 0px;" title="gotta get organized" src="http://www.personalfinancenotebook.com/wp-content/uploads/2010/05/gottagetorganized.jpg" border="0" alt="gotta get organized" width="264" height="200" align="left" /></a> To get into your rightful place financially, you have to move past what has not only become comfortable, but what has become just a way of life.  When I say comfortable, I’m basically talking about <em>life as usual.</em> </p>
<p>We have dreams of something bigger and better, but getting there sometimes seems too difficult.  What we normally do is keep the dream in our <span id="more-1334"></span>heads, but never move toward action.  We mostly use the <em>One Day</em> <em>Theory</em>.  You know…<em>One Day</em> I’m gonna have enough money to do whatever I want OR <em>One Day</em> I’m gonna own my own home.<!--more--></p>
<p>You can probably rattle off a couple of your own <em>One Day</em> <em>Theories </em>– in fact, you’ve probably heard and said them many times over.  Truth is though, the <em>One Day Theory</em> is just another basic form of procrastination.</p>
<p>On a deeper level, procrastination overlaps with avoidance.  When a task initially seems too difficult to handle, we’ll put it off and put it off until it becomes a monster.  I don’t know what makes us think that the problem will go away.  It NEVER does. </p>
<p>I know it seems easy to bury your head in the sand and ignore life along with your hopeful dreams.  The thing about that is, it’s suffocating.  You definitely can’t survive that way.  Survival of the fittest is taking responsibility quickly and creating the success you desire.</p>
<p>Do I suffer from the disease of procrastination?  Of course, I do.  All the time.  As I write this article, it is very late in the evening.  My initial thoughts were to shut the computer down and start fresh tomorrow.  But then I thought about how the delay would really throw me off schedule.  My right action was to do what’s needed now and feel good about what I accomplish later.</p>
<p>I remember reading a book a few years back by Brian Tracy called, <em>Eat that Frog: 21 Great Ways to Get More Done in Less Time.</em>  This book was key in transforming my thoughts about goal achievement and handling daily life.</p>
<p><span style="color: #800000;"><strong>My 4-Most Important Mantras from the book were:</strong></span></p>
<ol>
<li><strong><span style="color: #800000;">Consider the consequences.</span></strong>  Take a moment to consider what the outcome will be if the task is put off until later.</li>
<li><strong><span style="color: #800000;">Do the most difficult task first.</span></strong>  This statement is the entire basis of eating the frog.  Getting the difficult task out of the way first frees your mind for greater accomplishment.  It becomes a snowball of successful action.</li>
<li><strong><span style="color: #800000;">Slice and dice the task.</span></strong>  Breaking down bigger projects into smaller manageable chunks = faster goal achievement.</li>
<li><strong><span style="color: #800000;">Develop a sense of urgency.</span></strong>  A determination to stay focused until the project is completed.</li>
</ol>
<p>He also says:</p>
<blockquote><p><em>The key to reaching high levels of performance and productivity is for you to develop the lifelong habit of tackling your major task first thing <strong>each morning</strong>.  You must develop a routine of “eating your frog” before you do anything else and without taking too much time to think about it.</em></p></blockquote>
<p>The thing is, I’m seeing many people achieve their dreams each day.  We all have our good and bad days.  The key though is to have more bad than good.  See if you constantly make two steps forward and only one step backwards, you’re doing your best to make greater strides in the right direction. </p>
<p>So as you continue your day, consider something you have been avoiding – a work assignment, cleaning up your financial house, getting organized, any short or long term goal.  Be determined today to <em><strong><span style="color: #800000;">eat that frog</span></strong>.</em></p>
<p><span style="color: #800000;"><strong>How about you on the other side of the screen?  What’s stopping you?</strong></span> </p>
<p>****</p>
<p><em>I appreciate you reading today.  If you enjoyed it, don’t be selfish &#8211; share this article with a friend. <img src='http://www.personalfinancenotebook.com/wp-includes/images/smilies/icon_smile.gif' alt=':-)' class='wp-smiley' />   Have a wonderful and prosperous day!</em></p>
<p>Gotta Get Organized Image by <a href="http://www.flickr.com/photos/shawnzlea/2005932/" target="_blank">Szlea</a></p>
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		<title>Ask Patrenia&#8230; &#8220;How Do I Get Over My Money Fears?&#8221;</title>
		<link>http://www.personalfinancenotebook.com/2010/04/19/ask-patrenia-how-do-i-get-over-my-money-fears/</link>
		<comments>http://www.personalfinancenotebook.com/2010/04/19/ask-patrenia-how-do-i-get-over-my-money-fears/#comments</comments>
		<pubDate>Mon, 19 Apr 2010 12:00:07 +0000</pubDate>
		<dc:creator>Patrenia</dc:creator>
				<category><![CDATA[Ask Patrenia...]]></category>
		<category><![CDATA[Self-Improvement]]></category>
		<category><![CDATA[fear]]></category>
		<category><![CDATA[money]]></category>

		<guid isPermaLink="false">http://www.personalfinancenotebook.com/?p=1273</guid>
		<description><![CDATA[Note: In the Ask Patrenia articles, I answer questions from readers sent to me by Email, Twitter or Facebook.  Feel free to ask your money questions.  I look forward to it. It hits everyone of us at some point and time in our life.  The four letter word…FEAR! I received a question here on the [...]]]></description>
			<content:encoded><![CDATA[<p></p><p><a href="http://www.flickr.com/photos/jamescronin/2931811735/" target="_blank"><img style="margin: 0px 20px 0px 0px; display: inline; border-width: 0px;" title="freedom not fear" src="http://www.personalfinancenotebook.com/wp-content/uploads/2010/04/freedomnotfear.png" border="0" alt="freedom not fear" width="244" height="184" align="left" /></a></p>
<p><em><strong><span style="color: #800000;">Note:</span></strong> In the Ask Patrenia articles, I answer questions from readers sent to me by Email, Twitter or Facebook.  Feel free to ask your money questions.  I look forward to it. <img src='http://www.personalfinancenotebook.com/wp-includes/images/smilies/icon_smile.gif' alt=':-)' class='wp-smiley' /> </em></p>
<p>It hits everyone of us at some point and time in our life.  The four letter word…FEAR!</p>
<p>I received a question here on the site a while back from a reader that I have grown to respect and admire not only for her inspiration, but her courage to motivate others.  Here’s what she said…<span id="more-1273"></span></p>
<p><em>I’d love to read more about getting over your fear of money… that’s a personal issue for me. Like I know that tools exist to help me get on track… but just admitting how bad things are in order to get on that track is scary! I know I have to “feel the fear and do it anyway”…. but I swear that financial stuff seems the hardest area to improve sometimes. <strong>– Anilia, </strong><a href="http://www.motivatedsista.com/" target="_blank"><strong>MotivatedSista</strong></a></em></p>
<p>Firstly, I want to thank Anilia for this question and her bravery for stating that fear of money is a personal issue.  It is an issue for most of us, but we don’t want anyone to know that we are a little afraid of facing the money issues.  Truth is, just about every day, we have to resist the fear of “something”.  It may not be money, but it’s all just the same.  So, if you’re wrestling with fear, try one or more of these ideas.</p>
<p><strong><span style="color: #800000;">Take Small Steps.</span> </strong>Whenever we attempt to learn a new process, we tend to suffer from fear of the unknown.  We’re excited about a new endeavor.  We find lots of information about the subject.  Our information is from different sources, different people with different views.  So not only do we have too much information, but the information suggests different ideas.  What are our next actions?  Nothing.  The stress level has risen, we’re confused and it’s just seems easier to do nothing.  So just take it slow, learn and start practicing the new process.</p>
<p><strong><span style="color: #800000;">Don’t Be Afraid To Make Mistakes.</span></strong> Denis Waitley once said that failure should be our teacher, not our undertaker.   I wholeheartedly agree, making mistakes is part of the learning process.  When a baby learns to walk, how many times do they fall?  When you learned how to ride a bike, how many times did you fall?</p>
<p><strong><span style="color: #800000;">See Every Day As A New Start.</span></strong> Use yesterday as a reference, but don’t let the actions linger.  If any unintentional events occurred, don’t dwell on them.  Figure out what went wrong and make corrections to avoid the same problem in the future.</p>
<p><span style="color: #800000;"><strong>Consider Your Prior Victories. </strong></span><span style="color: #000000;">Make a list of other goals you were able to achieve.  Not necessarily financial goals, just life goals in general.  When doubt or fear enter into you mind, pull out your victory list and gain strength. </span></p>
<p><span style="color: #000000;">***</span></p>
<p><span style="color: #000000;">Taking control of your money is not as intimidating as it seems.  It’s just a few daily disciplines practiced everyday.  We all know what they say about practice – practice makes perfect.  Ok, I’m not so sure about the “perfect” part, but it will be at least better. <img src='http://www.personalfinancenotebook.com/wp-includes/images/smilies/icon_smile.gif' alt=':-)' class='wp-smiley' /> </span></p>
<p>So, stop thinking or be held back by fear and take some action!</p>
<p><span style="color: #800000;"><strong>Feel free to add your own tips.  How do you overcome fear?</strong></span></p>
<p>###</p>
<p><em><strong>Thank you so much for reading! </strong>Please</em><em> feel free to share this article with your family and friends.  This website is becoming a success because of you and your support.  I send you much love!<img src="http://messenger.msn.com/MMM2006-04-19_17.00/Resource/emoticons/heart.gif" alt="Red heart" /></em></p>
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<p>Freedom Not Fear Image by <a href="http://www.flickr.com/photos/jamescronin/2931811735/" target="_blank">James Cronin</a></p>
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		<title>NEW! Campfire Series: Happiness</title>
		<link>http://www.personalfinancenotebook.com/2010/03/18/campfire-series-happiness/</link>
		<comments>http://www.personalfinancenotebook.com/2010/03/18/campfire-series-happiness/#comments</comments>
		<pubDate>Thu, 18 Mar 2010 11:00:52 +0000</pubDate>
		<dc:creator>Patrenia</dc:creator>
				<category><![CDATA[Self-Improvement]]></category>
		<category><![CDATA[financial happiness]]></category>
		<category><![CDATA[happiness]]></category>

		<guid isPermaLink="false">http://www.personalfinancenotebook.com/?p=1154</guid>
		<description><![CDATA[Welcome to our campfire!  A new monthly series with contributors introduced below. Close your eyes and imagine the warmth of the fire radiating into the cool night air. Do this now. The heat feels good, warm and penetrating. The orange glow gently flickers and you hear the crackling of the wood and embers. Now imagine [...]]]></description>
			<content:encoded><![CDATA[<p></p><p><a href="http://www.personalfinancenotebook.com/wp-content/uploads/2010/03/campfire1.png"><img style="margin: 0px 20px 0px 0px; display: inline; border-width: 0px;" title="campfire" src="http://www.personalfinancenotebook.com/wp-content/uploads/2010/03/campfire_thumb.png" border="0" alt="campfire" width="271" height="182" align="left" /></a> <strong><span style="color: #800000;"><em>Welcome to our campfire!</em></span></strong>  A new monthly series with contributors introduced below.</p>
<p>Close your eyes and imagine the warmth of the fire radiating into the cool night air. Do this now. The heat feels good, warm and penetrating. The orange glow gently flickers and you hear the crackling of the wood and embers.</p>
<p>Now imagine yourself unfolding your camp chair and sitting down among a circle of friends. Look around at your friends. These are friends and bloggers from our wonderful little online community. They come from across the globe to join us around a campfire.<span id="more-1154"></span></p>
<h2><span style="color: #800000;">Introductions</span></h2>
<p>Look to your left.  You see <em>Eric Watermolen</em> from <em>Eden Journal</em>, sitting there smiling and welcoming you.</p>
<p>Look past Eric, across the fire, and you see <em>Patty</em> from <em>Why Not Start Now</em>. She&#8217;s brimming with positivity and waving hello.</p>
<p>Now look to your right and you see <em>Annabel Candy</em> from <em>Get in the Hot Spot</em>. She&#8217;s upbeat, smiling, and says hello with that great accent of hers.</p>
<p>Look next to Annabel and you see <em>Patrenia</em> from <em>Personal Finance Notebook</em>. She nods her head in your direction and you see the wisdom and compassion in her eye.</p>
<p>Finally, look straight across the fire and you&#8217;ll see <em>Krissa</em> from <em>HalfAstic.com</em> as she gives you a grin and a wave, welcoming you to our circle of friends.</p>
<p>I&#8217;m so happy that you could join our very first campfire. We&#8217;re going to enjoy each other&#8217;s company for a bit and chat about life. We are fortunate to live in an era where we can span time and space to gather for a little campfire and a chat.</p>
<p>We have much to discuss, but we&#8217;ll stick to a single topic. We have plenty of time to cover other topics when we meet back here next month. Tonight we are going to discuss a topic of great importance to all gathered around our fire.</p>
<p>It is just a single word, but it plays a big part in our lives. Some have mastered it, some are still learning, and others don&#8217;t know where to find it. It is <strong><span style="color: #993300;">Happiness</span></strong>. Each of us has varying views on <strong><span style="color: #993300;">Happiness</span></strong>, yet I have a feeling we all agree on its importance. Join us as we take turns discussing <strong><span style="color: #993300;">Happiness</span></strong>, that part it plays in our lives, and perhaps some advice on how to find it.</p>
<p>***</p>
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<h2>Krissa Lopez – <a href="http://www.halfasstic.com/" target="_blank">HalfAsstic.com</a></h2>
<p>Well, this should be fun! I mean writing about happiness would almost have to be, wouldn&#8217;t it?</p>
<p>I really think that while the big, wonderful things are most thought of when someone says, &#8220;What makes you happy?&#8221;, it&#8217;s the small things that we absolutely can&#8217;t live without. Well, not and maintain our daily lives at a happy status quo.</p>
<p>Right now I hear my daughter upstairs with a friend of hers and they are both laughing hysterically at something silly and inane. It makes me smile every time they burst out laughing. These are the things that make us happy and <em>keep</em> us happy without us knowing it or even thinking about it.</p>
<p>Taking stock each night in prayer or just plain old reassessment is a good way to maintain a sunny disposition. I mean when you actually think over the entire day and realize all the things you have to feel grateful for and happy about, it&#8217;s quite eye-opening.</p>
<p>My wheelchair bound, mother-in-law is Catholic and today the priest came to our home to visit with her, hear her confession and give her communion. I have been having trouble lately with her due to her increasing dementia combined with her negativism. I feel sure that she is going to be a much happier, lighthearted, little old lady now that she has seen him. At least for a while.</p>
<p>This? I am truly grateful for and it makes me happy. <img src='http://www.personalfinancenotebook.com/wp-includes/images/smilies/icon_smile.gif' alt=':-)' class='wp-smiley' /> </p>
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<div style="background-color: #ffffcc; padding: 10px;">
<h2>Patrenia Donald-Spears – <a href="http://www.personalfinancenotebook.com/">PersonalFinanceNotebook.com</a></h2>
<p>Happiness is peace. Happiness is balance. Happiness is true <a href="http://www.personalfinancenotebook.com/2010/03/01/what-can-we-all-learn-about-financial-contentment/" target="_blank">contentment</a>. Happiness is forgiveness. Happiness is <em><span style="text-decoration: underline;">&lt;what is your definition&gt;</span>.</em> You see, I don&#8217;t believe that there is ONE thing that can truly make us happy. It is a compilation of many.</p>
<blockquote><p><em>Happiness is not something ready made. It comes from your own actions. </em><strong><em>–Dalia Lama</em></strong></p></blockquote>
<p>Happiness cannot be achieved haphazardly. You are not going to receive a knock at the door with happiness appearing and saying, &#8220;I&#8217;m here!&#8221; It&#8217;s also not going to be achieved by waiting for someone to come along and make you happy. What if they never show up? Then you have wasted precious time.</p>
<p>I can remember a few years ago, I would always say, &#8220;I&#8217;ll be happy when _________.&#8221; Well, when &#8220;when&#8221; came, there was a new goal of &#8220;I&#8217;ll be happy when _______.&#8221; I realized that if I kept waiting or needed these perfect situations to be happy, then it was NEVER going happen.</p>
<blockquote><p><em>Happiness is not something you postpone for the future; it is something you design for the present. </em><strong><em>– Jim Rohn</em></strong></p></blockquote>
<p>Happiness must be sought purposefully, daily. It must come from a place within. We all have it. We are born with it. It&#8217;s just a matter of finding it deep inside. And keeping it no matter what happens around us.</p>
<p>Yes, we all have our brushes with some form of disappointment or tragedy. Job loss. Lack of money. Horrible accidents. The loss of loved ones. Bodily afflictions. Many of these things are beyond our control, but we can determine if we will allow our joy to be stolen. Don&#8217;t worry or think too much about tomorrow. Just do the best you can for today.</p>
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<h2>Eric Watermolen – <a href="http://www.edenjournal.com/" target="_blank">EdenJournal.com</a></h2>
<p>Happiness to me is a constant state of being. It&#8217;s a way of life. As humans, we are evolved enough to have a moderate amount of control over our emotions. We have the power of choice. This power of choice and the feeling and control of emotions are great powers indeed. It is surely one of the many things that set us apart from the other beings that inhabit our planet.</p>
<p>If we have such a great power, then we may as well make good use of it. I make use of my power by choosing to be happy almost all the time. Every once in a while I <a href="http://www.edenjournal.com/512/a-comfortable-content-sadness/" target="_blank">choose to feel sad</a>, but just to enhance the happiness I&#8217;ll feel later. Happiness feels good, and since I like to feel good, I choose to be happy.</p>
<p>Even though we have that choice to be happy, it doesn&#8217;t always come easy, especially when we&#8217;re in the beginning stages of finding our happiness. Growing up, I was usually pretty happy, but it wasn&#8217;t yet a way of life. I think the realization of happiness as a choice came sometime after I finished high school. I&#8217;m sure it was in a couple of self improvement books that I read. The one that stands out was Think and Grow Rich, by Napoleon Hill. That book really hit home with me and made it clear that I get to choose how to feel and how to guide my life. That got me started with daily affirmations where I would tell myself how wonderful my day would be. I saw in a movie (I think it was Ferris Beuler&#8217;s Day Off, but it might have been another movie) where one of the characters said, &#8220;Every day I clap my hands together and say, Today is a great day!&#8221; I really liked that idea, and many years later I continue to start my day in this manner. It really sets a happy tone for the entire day and makes happiness come naturally.</p>
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<h2>Annabel Candy – <a href="http://www.getinthehotspot.com/" target="_blank">GetInTheHotSpot.com</a></h2>
<p>Happiness is what life&#8217;s all about. If you&#8217;re not happy with your daily life then you need to fix that right now. Life&#8217;s too short to be unhappy.</p>
<p>I&#8217;ve suffered from depression and it was a miserable, joyless existence. The good thing about that is now that I&#8217;m better I&#8217;ve vowed that I&#8217;m never going back to that bleak life again.</p>
<p>I&#8217;ve spent a lot of time working out what makes me happy and what doesn&#8217;t. I constantly focus on being happy in the present and practice doing the things that make me happy every day. You should too.</p>
<p>Here are my five tips for happiness:</p>
<h3>1. Prioritize happiness</h3>
<p>Actively seek out happiness. Note what makes you happy and use all five of your senses. Here are five things that make me happy: the smell of oranges, my ipod playlist, walking on the beach, stroking cats and the taste of chocolate. They&#8217;re all cheap or free, easily accessible and only take a few minutes to give me the lift I need. I wrote a list of <a href="http://www.getinthehotspot.com/101-ways-to-feel-happy/" target="_blank">101 ways to be happy</a> and it was the quickest post I ever wrote. I was amazed by how many resources we have for feeling happy. Try making one for yourself (or use mine) so that you&#8217;ve got ideas for being happy ready when you need them.</p>
<h3>2. Be selfish</h3>
<p>The reason my depression got so bad was because I spent more time thinking about and looking after other people than I did myself. You owe it to yourself and your loved ones to take care of yourself first.</p>
<h3>3. Help other people</h3>
<p>When you&#8217;ve looked after yourself schedule some time helping other people. Voluntary work does make you feel better about yourself and it needn&#8217;t eat up too much of your time. I spend 30 minutes twice a week helping students with reading at my kids school. Picking up litter&#8217;s a quick easy way to give back whenever you can.</p>
<h3>4. Be grateful</h3>
<p>Stop moaning and being a victim. Look at how much you have right now and rejoice. If you&#8217;re struggling with this one it could be because you&#8217;re making the wrong comparisons. Don&#8217;t compare what you&#8217;ve got with what your friends, relatives or more affluent neighbours have. Some people in this world are homeless or subsistence farmers, others have HIV and no access to medication or care. Many families are living in fear and poverty in war torn countries. If you&#8217;re reading this then you have access to a computer and the Internet which already makes you so much better off than most of the world population. How many things have you got to be grateful for?</p>
<h3>5. Exercise</h3>
<p>If you&#8217;re tired, stressed or feeling down exercise is the best way to pick yourself up. If you&#8217;re under pressure it&#8217;s the best way to take time out. I use exercise as preventative medicine to keep me happy and recommend you exercise daily too. Forget grueling gym workouts though, do something you enjoy like dancing, surfing, kayaking or cycling. Or indulge yourself with the best exercise of all time and a great way to boost your happiness ~ a walk in the fresh air.</p>
<p>Just thinking about it makes me feel happy!</p>
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<h2>Patty Bechtold – <a href="http://whynotstartnow.wordpress.com/" target="_blank">WhyNotStartNow.wordpress.com</a></h2>
<p>All this talk of happiness has me wondering: What, exactly, is this quest about?</p>
<p>Are we seeking permanent cheerfulness? Unstoppable mirth? And are we really on the right track?</p>
<p>Probably not, considering that just about everything I&#8217;ve read about happiness so far points to the truth that we&#8217;re not very good at envisioning the arc of our lives. And as several authors have noted, we&#8217;re even worse at predicting what will make us happy.</p>
<p>That&#8217;s because true happiness is usually about inner rather than outer, but for the most part we&#8217;re taught to focus on outer. And that often leads us to a place of endless striving, with little satisfaction.</p>
<p>For instance, if I&#8217;m focusing only on outer, and yearning to live in a house by the ocean, then I may do everything I can to try to make that happen. Yet, the jury&#8217;s still out about whether that will fulfill me the way I think it will, or even if I can achieve that goal.</p>
<p>But if I stop for a moment to understand the archetypal imagery of a house by the ocean, I begin to see that the house represents me, my inner life, my relationship with myself. And the ocean, with all its vast beauty and secrets, represents the mysteries within. The treasure, if you will, there for the taking if I&#8217;m willing to do a little digging.</p>
<p>All of which is much more complex, and meaningful, than simply setting a goal to be happy by accomplishing the tasks that we think will get us there.</p>
<p>So my hunch is that most people seeking happiness are actually longing for more meaning in their lives. And at the end of the day, the question to ask ourselves is not, &#8220;Was I happy today?&#8221; but rather &#8220;Was today <a href="http://whynotstartnow.wordpress.com/2010/01/05/introducing-meaning-mondays/" target="_blank">meaningful</a>?&#8221;</p>
<p>It&#8217;s a little like the stories you hear of people at the end of their lives. When asked what made them happiest, they remember dancing barefoot in the grass. Eating ice cream with their children. Spooning with their lovers.</p>
<p>They don&#8217;t think so much about the killer business deal they made. Or even about how many subscribers they had for their blog.</p>
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<h2><span style="color: #800000;">Thank you for joining us</span></h2>
<p>I want to thank you, our readers, for joining us around our campfire. I hope you have enjoyed our discussion on <strong><span style="color: #800000;">Happiness</span></strong>.  Please take a few minutes to get further acquainted with our campfire guests by visiting their blogs and subscribing to their RSS feeds.</p>
<p>You may see an unusual thing when you visit some of these blogs. You&#8217;ll notice that some of us have posted this same Campfire to our individual blogs. We have decided to throw SEO (search engine optimization) rules to the wind and truly share this collaboration. We all participated in this great discussion and wanted to share the great conversation will all of our readers. We hope you&#8217;ll appreciate this new found nature of sharing in this wide world of blogging.</p>
<p><span style="color: #800000;"><strong>Want to keep the campfire going? Add your thoughts on happiness in the comments section. </strong><span style="color: #800000;"><strong>And be sure to check out the comments sections of our campfire friends to see more great contributions to The Campfire.<br />
</strong></span></span></p>
<h2><span style="color: #000000;">Meet your Campfire Friends.</span></h2>
<p><strong><span style="color: #800000;">Krissa Lopez</span> </strong>is a mother, wife, and caregiver to an elderly, invalid, mother-in-law while she runs a nuthouse in south Texas. She also runs a blog site called <a href="http://www.halfasstic.com" target="_blank">HalfAsstic</a> that continues to amuse her with all the possibilities that lie in, not so much her written word, but the words she hasn&#8217;t found to write yet.</p>
<p><strong><span style="color: #800000;">Patrenia Donald-Spears</span> </strong>is the writer and publisher of the content written at <a href="http://www.personalfinancenotebook.com/" target="_blank">www.personalfinancenotebook.com</a>. After three and a half years, she and her husband were able to pay off approximately $93,000 worth of debt on November 14, 2008. They were, like many Americans, working just to pay bills. Fed up, they decided enough was enough. They took control of their finances and started digging deeper to learn everything they could about money. Now realizing that education in reference finances is powerful, she has become passionate about teaching others to help them gain the same freedom and happiness in their lives.</p>
<p><strong><span style="color: #800000;">Eric Watermolen</span></strong> is a lifestyle blogger and amateur philosopher. He enjoys discussions of our path in life; where the path leads, the adventure along the path, and the unseen forces that guide us along our path. In addition to writing here, you can find him at <a href="../" target="_blank">Eden Journal</a>, where he posts a wide spectrum of articles from personal development to spiritual and philosophical awakenings.</p>
<p><strong><span style="color: #800000;">Annabel Candy</span></strong> writes about <a href="http://www.getinthehotspot.com/about-2" target="_blank">self improvement</a> at Get In the Hot Spot. She runs a <a href="http://mucho.com.au/" target="_blank">web design company</a> with her husband and manages to stay (mostly) focused on designing websites for small businesses and inspiring and motivating people to live their dream despite the general mayhem created by their three children.</p>
<p><strong><span style="color: #800000;">Patty Bechtold</span></strong> is a storyteller, counselor, and coach who is downright determined (at times bordering on relentless) about helping people create more meaning in their lives. She writes about how meaning intersects with experience and action: what it is, how we get there, what trips us up. You can join her merry band of meaning makers at her blog, <a href="http://whynotstartnow.wordpress.com" target="_blank">whynotstartnow.wordpress.com</a>, or stop in at her website, <a href="http://www.bechtoldlifework.com" target="_blank">bechtoldlifework.com</a>.</p>
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