Wednesday, October 28, 2020
Monday, August 31, 2020
Increasing Prosperity With Positive Thinking
Increasing prosperity in our lives can be accomplished by having the right frame of mind. The truth is, our thoughts are very powerful. They are capable of influencing every aspect of our daily lives, from our physical health to our social behaviors. I’m sure you’ve heard the adage, “As you think, so shall you be.”
If we want to improve our lives, we must first improve our thoughts. Harnessing the power of thought in a positive way has the ability to create great change in our lives, including our financial well-being and prosperity. But how? How do we take something as intangible as thoughts, and manifest them into a physical reality?
We must first understand that being prosperous is more than having a lot of money. Prosperity is a mindset, a way of interacting in our lives, and a way of thinking. Mastering this train of thought is not easy, but it is simple enough if we keep working on it consistently.
Following are some ideas to help you improve your thoughts, and ultimately attract more prosperity into your life:
Be grateful for the blessings in your life right now. Take a few minutes each day to express heartfelt gratitude for the good things in your life. Even more powerful, write a few of these blessings down each day. This helps to put your focus in the right direction — on abundance, not lack.
Use positive affirmations to begin training yourself to think positively. Use “I am” statements such as “I am worthy of all that is good.” Write the statements down and repeat them nightly before bed. Over time, this will implant these thoughts into your subconscious mind, and you will begin to naturally believe them.
Creative visualization can help you achieve prosperity by determining what it is you wish to achieve and then thoroughly creating that image in your mind. This works in the same way affirmations do. Our subconscious will fill with images of prosperity, and eventually, these subconscious “truths” will manifest in the physical. “See” yourself as being prosperous, and you will become so.
Encourage yourself with the belief that you can achieve great things. This could also be one of your affirmations but expand on it. If you know you can earn a certain salary, tell yourself you can earn more. Allow yourself to believe all things are possible, and you will gain the confidence needed to reach higher than you ever imagined you could. If you believe you can do it, you are more likely to take the risks associated with people who are highly successful. Prosperity and success go hand in hand, so take risks and aim higher.
Start a savings account. As strange as it sounds, think about this: Like Attracts Like. Even if you can only afford to put a few dollars into your account every month, it will begin to build up and attract more money.
Finally, believe you are already wealthy. The creative ability of our thoughts is such that we lend more power and energy to whatever we consistently focus on. Focusing on lack will create more lack. Focusing on wealth and prosperity will create . . . guess what?
Remember that this is a process. You likely won’t change your circumstances in one day. But over time, with consistent focus, your thoughts will begin to attract what you want. Once you master this power of thought, there are truly no limits to what you can create!
Friday, August 21, 2020
How to Stop Attracting Negative People to Your Life
Placing your attention, energy, and focus on the negative aspects of some people in your life brings you more of the same. Simply put, that’s the Law of Attraction at work.
When you shift your attention to the kinds of people you DO want in your life, that shift, coupled with your clear desire to STOP attracting negative people into your life, will set the energy in motion for new results to show up. When you shift from what you don’t want, to what you do want, your vibration changes. And know this-you can only hold one vibration at a time! The Law of Attraction is always matching your vibration in any given moment.
The Law of Attraction can be used to ensure that you are always in vibrational harmony with the people you are attracting into your life. If you plot your vibration on a scale that measures from 1-100, with 100 being the highest calibration, you are currently attracting other people into your life that match your score on this scale. In other words, if your vibration measures 75 on this scale and a person in your life measures closely to that, you are a close vibrational match. It is also important to realize that if your vibration measures 30 on this scale, you are a close match to another person whose vibration is at 30.
Your feelings always tell you if you are in vibrational harmony with another person. When you meet someone who is offering a significantly lower vibration than yours, you often feel dragged down by that person, i.e. the experience just doesn’t feel good. On the other hand, when you are with someone who vibrates closely to your score, it feels good to be with them. You are in vibrational harmony with that person. Suppose you are the one with a much lower vibration. If you experience a person with a significantly higher vibration, you may feel uplifted and raise your vibe to match theirs, or you may feel uncomfortable being around them. In short, the distance between your score and the score of another person equals the extent to which it doesn’t feel good. We call that resistance. The greater difference in the scores, the greater resistance there is.
Here’s a great tool to help you next time you experience a negative person in your life. While you are having a conversation with that person; perhaps listening to them describe (in great detail) what they don’t want and how negative their life is, ask them the following question: “So, what do you want? How would you like it to be different?” In their response, they will stop talking about what they don’t want, and start talking about what they do want. At that very moment, their vibration will shift and they’ll start raising their vibration to match yours.
Remember too, people treat you the way you allow them. In Law of Attraction, this means that you can set your vibrational boundaries so that you will only participate in and maintain positive conversations. Feeding into somebody’s negative conversation will bring your vibration down. Decide today to maintain your high vibration and stop feeding into other people’s negative vibes. This will go a long way to maintaining your high, positive vibration, which will in turn, attract other people with high, positive vibrations into your life.
Friday, May 29, 2020
These 12 Habits Will Help You Reach Financial Freedom
Achieving financial freedom is a goal for many people. It generally means having enough savings, investments, and cash on hand to afford the lifestyle we want for ourselves and our families—and a growing nest egg that will allow us to retire or pursue the career we want without being driven by earning a certain amount each year.
Unfortunately, too many of us fail to achieve it. We are burdened with increasing debt, financial emergencies, profligate spending, and other issues that thwart us from reaching our goals. And we encounter unexpected events, such as the pandemic, that overturn our plans and reveal holes in the safety nets we tried to weave for ourselves and our families.
Trouble happens to nearly everyone, but these 12 habits can put you on the right path.
KEY TAKEAWAYS
Set life goals, both big and small, financial and lifestyle, and create a blueprint for achieving those goals.
Make a budget to cover all your financial needs and stick to it.
Pay off credit cards in full, so you carry as little debt as possible, and keep an eye on your credit.
Create automatic savings via your employer’s retirement plan and by setting up an emergency fund.
Take care of your belongings, as maintenance is cheaper than replacement, but, more important, take care of yourself and stay healthy.
1. Set Life Goals
What is financial freedom to you? A general desire for it is too vague a goal, so get specific. Write down how much you should have in your bank account, what the lifestyle entails, and at what age this should be achieved. The more specific your goals, the higher the likelihood of achieving them.
Next, count backward to your current age and establish financial mileposts at regular intervals. Write it all down neatly and put the goal sheet at the very beginning of your financial binder.
2. Make a Budget
Making a monthly household budget—and sticking to it—is the best way to guarantee that all bills are paid and savings are on track. It’s also a regular routine that reinforces your goals and bolsters resolve against the temptation to splurge.
3. Pay Off Credit Cards in Full
Credit cards and similar high-interest consumer loans are toxic to wealth-building. Make it a point to pay off the full balance each month. Student loans, mortgages, and similar loans typically have much lower interest rates; paying them off is not an emergency. Paying on time is and will build a good credit rating.
4. Create Automatic Savings
Pay yourself first. Enroll in your employer’s retirement plan and make full use of any matching contribution benefit. It’s also wise to have an automatic withdrawal for an emergency fund, which can be tapped for unexpected expenses, and an automatic contribution to a brokerage account or something similar.
Ideally, the money should be pulled the same day you receive your paycheck, so it never even touches your hands, avoiding temptation entirely. However, keep in mind that the recommended amount to save is highly debated. In some cases the feasibility of such a fund can be a question.
5. Start Investing Now
Bad stock markets can make people question this, but historically there has been no better way to grow your money than through investing. The magic of compound interest will help it increase exponentially over time, but you need a lot of time to achieve meaningful growth. Don’t try to be a stock picker or trick yourself into thinking you can be the next Warren Buffett. There can only be one.
Instead, open an online brokerage account that makes it easy for you to learn how to invest, create a manageable portfolio, and make weekly or monthly contributions to it automatically.
Achieving financial freedom can be very difficult in the face of growing debt, cash emergencies, medical issues, and overspending, but it is possible with discipline and careful planning.
6. Watch Your Credit
Your credit score determines what interest rate you are offered when buying a new car or refinancing a home. It also impacts seemingly unrelated things, such as car insurance and life insurance premiums.
The reasoning is that someone with reckless financial habits is also likely to be reckless in other aspects of life, such as driving and drinking. This is why it’s important to get a credit report at regular intervals to make sure that there are no erroneous black marks ruining your good name.
7. Negotiate
Many people are hesitant to negotiate for goods and services, worrying that it makes them seem cheap. Overcome this cultural handicap and you could save thousands each year. Small businesses, in particular, tend to be open to negotiation, where buying in bulk or repeat business can open the door to good discounts.
8. Continuous Education
Review all applicable changes in the tax laws each year to ensure that all adjustments and deductions are maximized. Keep up with financial news and developments in the stock market and do not hesitate to adjust your investment portfolio accordingly. Knowledge is also the best defense against those who prey on unsophisticated investors to turn a quick buck.
9. Proper Maintenance
Taking good care of property makes everything from cars and lawnmowers to shoes and clothes last longer. As the cost of maintenance is a fraction of the cost of replacement, it’s an investment not to be missed.
Learn to know the difference between the things you want and the things you need.
10. Live Below Your Means
Mastering a frugal lifestyle by having a mindset of living life to the fullest with less is not so hard. Indeed, many wealthy individuals developed a habit of living below their means before rising to affluence.
This isn’t a challenge to adopt a minimalist lifestyle or a call to action to head to the dumpster with things you’ve hoarded over the years. Making small adjustments by distinguishing between the things you need and the things you want is a financially helpful habit to put into practice.
11. Get a Financial Advisor
Once you’ve gotten to a point where you’ve amassed a decent amount of wealth—be it liquid investments or tangible assets that aren’t as readily available to convert to cash—get a financial advisor to educate you and help make decisions.
12. Take Care of Your Health
The principle of proper maintenance also applies to the body. Invest in good health with regular visits to doctors and dentists, and follow health advice about any problems you encounter. Many problems can be helped—or even prevented—with lifestyle changes such as more exercise and a healthier diet. Some companies have limited sick days, making it a notable loss of income once those days are used up. Obesity and ailments make insurance premiums skyrocket, and poor health may force earlier retirement with lower monthly income.
The Bottom Line
These 12 steps won’t solve all of your money problems, but they will help you develop healthy habits that can get you on the path to financial freedom—whatever that means for you.