Money doesn’t have to control you. We live in a world where everything costs more than before and sadly our wages aren’t going up with it. This doesn’t mean we go into debt. It means it’s time to take control and tell your money where to go.
Money is a tool or resource that we have and that’s how we need to treat it. Just like any other tool we need to learn how to use it.
Know Your Numbers
This is the first step. You need to understand what your income and expenses are. Fear is likely impacting how you are spending, saving, or enjoying your money. When you know what you have coming in and what you need to spend it gives you confidence to make informed spending decisions.
Wants vs Needs
Next you need to think about what financial goals you have. Where is your money going? Are you spending it on needs or wants? We have the required bills to pay, but what do you do with the leftover? That’s where the “wants” come in. Think about the coffee shop, groceries, going out to eat, etc.
Make and Stick to Budget
When you know your numbers, it is easy to make a budget. The hard part is sticking to it. Track your spending throughout the month. Don’t wait until the end of the month to figure out where you spent. Know where your money is going. I really like the Ramsey Every Dollar app. You can use the free version to make and track your money. There are other great apps out there too. Find one that works for you. The best part is you carry your budget around with you. No excuses that you have to wait to get home.
Have Some Fun
Make sure to include “fun money” in your budget. This is for something you truly enjoy. We work hard for your money so make sure you give yourself a reward.
We all run into things that don’t go our way every day. It’s how we CHOOSE to see those things depends on our mindset. Yes! You GET to choose how you show up to each and every situation in your life. This is one of the things we have control over. You control YOUR reactions and actions.
Your mindset allows you to see in 3 potential ways:
A Problem
You say to yourself, “How am I ever going to get out of this situation or get this done….”
You focus on the problem and not the solution which most of the time makes the problem seem so much bigger.
A Challenge
You have the mindset of solving this problem will be fun. You go into problem solving mode. You pump yourself up and go for the challenge.
An Opportunity
This is taking the challenge mindset with an upgrade. You not only focus on the solution, but also focus on the long term goal. What will you learn by solving this? How can this make you better?
The next couple months under the “Changing Your Life” topic I will be giving you my takeaways from the 7 Habits of Effective People book. I read the book last year and thought it was so good that I bought both the boys’ copies of the one for teenagers with the workbook.
I’m reading it again this year with the intention of coming away with new actions that I can implement. It’s interesting how the things you didn’t take away from it the first time stick out this time based on how you have grown and learned.
Here we go…..
Change Perception to Change Ourselves
If we want to change the situation, we first have to change ourselves. And to change ourselves effectively, we have to change our perceptions. Our perception is what we communicate out to the world.
Our paradigms, correct or incorrect, are the sources of our attitudes and behaviors, and ultimately our relationship with others.
Paradigm: it’s the way we “see” the world – not in terms of our visual sense of sight, but in terms of perceiving, understanding, interpreting. It’s the map of how we live our life.
This example truly explains it better:
Think of trying to drive to a city without having the right directions or wrong map:
Change Behavior: you could try harder, be more diligent, double your speed. But your efforts may just get you to the wrong place faster.
Change Attitude: think more positive. You may not get to the right place, but perhaps you wouldn’t care. Your attitude would be so positive, you’d be happy wherever you were.
The point is you would still be lost. It isn’t about your behavior or attitude. It has everything to do with having the wrong map/directions.
If you have the right map:
Diligence becomes important so when you encounter frustrating obstacles along the way, then attitude can make a real difference.
The first and most important requirement is the accuracy of the map.
In our head we have 2 maps:
Map of the way things are (realities)
Map of the way things should be (values)
We interpret everything we experience through these mental maps.
We rarely question their accuracy and assume that the way we see things is the way they really are or they way they should be
Our attitudes and behaviors grow out of those assumptions. It’s the way we think and act.
It is difficult to be objective because of the maps we have in our head. It’s being aware of what our maps or assumptions, and the extent to which we have been influenced by our experience, the more we can take responsibility to test them against others realities by listening and being open their perceptions. This gets you a broader view of the world.
Let’s do an exercise:
First, look at this picture. What do you see?
Now look at this picture. What do you see?
You probably see a beautiful woman with her face tilted away from us, right? What if I told you it was an old woman with her face looking over? Don’t see it. Look at this next picture and go back to the one above. Do you see it now?
Our perception changes when we open our eyes to the possibilities of how others see the world.
If we want to make relatively minor changes in our lives, we can perhaps appropriately focus on our attitudes and behaviors. But if we want to make significant change, we need to work on our basic paradigms.
These are my takeaways and insights from Stickability by Greg S Reid.
What the heck does stickability even mean? The definition is a person’s ability to persevere with something, staying power.
Stickability has to be consistent with flexibility. A balance is crucial as we can take stickability too far. Know the difference between perseverance and stubbornness and then adjust as needed. This means you have to be able to identify those adjustments that need to be made. Be flexible on the solution & listen to others.
Every individual who has attained personal achievement can tell you that the question is not “Will there be tough times?”, the question is “When will they arrive?” It’s through these moments of uncertainty that our character is revealed. When we quit we automatically fail because we don’t achieve the goal. When we accept the challenge, we’re able to clearly understand the reason(s) for the challenge, find the opportunity, and continue on a different path. Negatives are just the tasks that need to be done to avoid a setback. Setbacks should be viewed as opportunities to reroute a path to success.
Obstacles can either make you quit or reinforce your resolution.
For every obstacle there is a solution. You just have to have the discipline to find the solution.
I love how he tells the story of some spider monkeys. The experiment put nuts in a jar where the monkeys would reach in to grab them but couldn’t pull their hand out with a clenched fist. The spider monkeys were unwilling to let go of the small nut in order to gain their freedom. They had neither discipline nor the wherewithal to surmount an obstacle that, to us, seems an easy fix: let go of the nut! This is what we mean by perspective. What to one may seem like an insurmountable obstacle, to another may seem like an easy fix. Use other people to help you gain perspective. Complexity is not about the size of the issue, it’s about the amount of weight you give it. Most people get stopped in the process rather than realizing that this is part of the journey.
Discipline
We all want happiness & prosperity in our lives – Happiness takes discipline. We have to have the discipline to determine carefully what this means for us. Once we have a clearly defined goal, we must maintain discipline to find opportunities within the challenges we’ll face along the way.
Focus & Control
What we focus on is what we see. When we seek good, good things happens. When we seek opportunity, opportunities occur. Now we do live reality where bad things happen. It’s our reaction to that bad thing that defines our lives. You can choose how you react. Someone is always watching us whether we know it or not. They are watching to see how we react to situations. How we handle ourselves will impact how they react. Keep in mind that even if you are going through a challenge that you need to be focused on the solution and not focused solely on the challenge itself. A problem is an unbearable blockade, whereas a challenge is an opportunity to find a solution.
Simple perspective to have: In the past, the future depended on the changes around us. Today, the future depends on the changes within us. The best decision you can make is to make a decision.
What causes failure:
#1 cause of failure is the inability to get along with other people. You can’t go it alone. You need others whether you want to or not.
#2 cause of failure is quitting when the going gets hard. No matter who you are, there will be a time when things get hard. You have to overcome that obstacle and push forward. There is always light at the other end.
#3 cause of failure is procrastination. You have the seize the moment when opportunity comes your way.
The quitter never wins, and the winner never quits.
Great ideas originate from
A need
An unsolved problem
An easier way of doing things
Great solutions are created
by a person or team with the ability to address one of these points
with the persistence to see that vision through.
Success Formula
A definite purpose backed by a burning desire for its fulfillment.
A definite plan, expressed by continuous action.
A mind closed tightly against all negative and discouraging influences, including negative suggestions of relatives, friends, and acquaintances.
A friendly alliance with one person (or more) that will encourage one to follow through with both plan & purpose.
Self-trust is secret to success. Have faith with yourself.
Have a cause that is greater than you. By focusing on others rather than yourself, you’ll be motivated to push past obstacles others find insurmountable.
Surround yourself with people who believe in you and your cause/goals.
Success Mindset
Maintain Mindset – Progress over perfection.
As long as you are moving toward success, you are therefore successful. Just be careful you don’t get trapped in the middle. Have to keep moving forward.
All successful people cannot succeed by themselves. You need a team and you need to be the leader of your team.
Nobody is born a leader, yet everyone is born with leadership potential.
Leadership is learned and practiced.
Learn to convert fear into relaxed intensity by:
Staying true to yourself. Let your passion and commitment become stronger than your fears.
Instead of focusing on the challenge, focus on the outcome
Don’t try to blend in out of fear of being different
Know that you have what it takes to be a good leader
If you think it is impossible, then it is……for you.
Make dreams a reality by
Decide what you want & write it down.
Stay focused.
Know your way/path forward.
Be accountable to yourself.
Enjoy the greatness of the moment. Life is short and needs to be enjoyed every step of the way.
This is your Cul de Sac Moment:
It’s the time in your life where you go inside and set up shop or simply drive on past. There is no exit. There is no retreat. Once you commit to venturing forward, you must live with the consequences.
Ask yourself every night, “Have you made a difference in somebody’s life today?”
Always give back to others. What simple step can you take today on the path to selfless giving to others?
Having a good morning routine is a must have as it sets the tone for the entire day. If you feel rushed and stressed out in the mornings, you will be probably feel a level of stress and anxiety throughout the day. Having a routine of what to do and what order to do them gives you a sense of organization and feeling like you are ready for the day. Figuring out how much time you need and then giving yourself that time by getting up with your alarm.
Your morning routine needs to be made for you. What works for someone one else, may not work for you.
Challenge: Find out what works for you and stick with it for 21 days.
If you are just starting out, pick 1-2 things to start every morning. If you already have a routine, reflect on if it is working for you. Changing it up helps so you don’t get bored and you keep growing as a person.
Tips:
If you have trouble hitting the snooze button, put the alarm where you have to actually get out of bed to turn it off. Once you are out of bed, it’s a lot easier to keep going.
Add a new habit onto something you already do (called habit stacking).
Write down your routine. Writing it down just makes it real. It also helps you understand how long it takes to complete. This way you can adjust as needed.
Ideas:
Drink a glass of water when you first wake up.
Make your bed.
It’s a great feeling at night when you go to your bedroom and your bed’s nice and tidy that you get to turn down the sheets. Plus even if you don’t do anything else the rest of the day you can say you did something.
Do a 5 minute mediation, affirmation, or daily bible plan.
I recommend the YouVersion Bible App – YouVersion. It has hundreds of bible studies to choose from and you can do it with friends. Plus it’s FREE!
Exercise
Read for 15 minutes
Listen to a podcast
Write down 3 things you are grateful for.
The more specific you are the better. This gets your mindset ready for the day. Bonus: you will be looking for things throughout the day so you have something to write down so you will maintain the mindset throughout the day.
Write down 3 things that you are proud of yourself for.
We do not give ourselves enough credit for the amazing things we do each day. Use a “ta da” list throughout the day. Write down the things you accomplish throughout the day. You do a lot more than you think. This also helps when you wonder at the end of the day if you accomplished anything.
Create a realistic to do list for the day.
Top 3 must haves and then prioritize the rest.
Write in a journal to get all your thoughts about the day out of your head. I like to call this a “brain dump”
I highly recommend this book! – Work Stronger by Pete Leibman. If you are looking for a book to help you with creating better habits, this is the book for you!
I want to discuss what he called the “POWER Pyramid.” Each letter being an acronym.
P – Purpose
In order to maintain any habit you have to know what your why is. You always hear the saying “Where there is a WILL, there is a way.” He modifies this to be “Where there is a WHY, there is a way. Discovering why you want to do something will help you keep going when it gets tough and you want to give up or just stop trying. Figuring out your why isn’t the easiest thing though. So many people just touch the surface of it and when it comes down to it, the why they are telling themselves isn’t enough to keep it going. You need to really dig deep to understand why you want to go after whatever habit you want to form. Write it down and post it where you can see it. It should be something that when you see it, read it, say it in your head or out loud, you get your butt moving again.
I hear all the time “I can’t do that…” or “I am not a morning person.” or “That works for you, but it won’t work for me.” This is YOUR limiting belief that is holding you back. Telling yourself you can’t do something means you are basically setting yourself up for failure. If you believe you can and push yourself each day to take that small step toward doing whatever you “can’t” do, you will eventually get there. It may not be in a week or a month or even a year, but each day you will get better and improve. Telling yourself you are not a morning person, just means that you have to be intentional about your morning routine. Be intentional about when you get up and what you do for the first hour or 2 of your day. It will set the tone for your entire day!
You will NOT be perfect. You will miss a day or 2, but guess what. Day 3 you get back on that train and keep going. You do NOT give up on yourself. You made that goal for a reason. Remember what that reason is. Remember what your WHY is.
O – Optimism
This one is a BIGGIE. It is your mindset. I learned from this book that you can have a growth mindset in one area of your life and a fixed mindset in another area. The goal is to have a growth mindset in ALL areas of your life. Having this growth mindset will help you become the person you want to be. It will be the deciding factor on whether you achieve that goal you set or if it’s another missed opportunity. You can have a desire to change, but you actually have to believe you can change. Knowing your why (purpose) is critical for this. You can teach an old dog new tricks, as long as the dog has a purpose for learning new tricks and is optimistic that it can.
He describes what he called the “Headlight Method.” The habit you are trying to form is like driving at night. You can only see as far as the headlights, but you can make it the whole trip that way. Setting big goals can cause “analysis paralysis” where you are too overwhelmed and don’t know where to start. You keep researching or putting off starting because it is just too big and you don’t know where to start. If you cut it down into bite size chunks (the size of what you can see with your headlights) you will eventually reach that big goal (your destination).
Focus on early wins to keep your momentum going. Get day 1 done. The next day, tell yourself you did it yesterday so you can do it today. After a week, you finished a week you can do another week. Start small and build on that positive momentum.
Find a role model to look up to. “If they can do it, I can do it” mentality. Someone who used to be like you, but overcame similar obstacles to get where you want to be.
When you want to change (purpose) and believe that you can change (optimism) you will have the mindset required to change or achieve anything.
W – The Way
We all have habits whether they are good or bad. The bad habits are easier. We get short term rewards and instant gratification. Good habits are harder because we do not always see the reward right away. It’s something that you have to build on.
You become what you repeat. It’s a cycle of cue, routine, reward. The cue is the trigger that tells your brain to do something. This can be an automatic like driving a car vs set reminders like your alarm clock. The routine is the action you do with that trigger. And the reward is what you get out of that action.
The best way to break a habit or start a new habit is to identify each step. Bored (cue) so you scroll through facebook (habit) receive stimulation (reward). Stressed (cue) so you smoke or drink (habit) in order to feel relaxed (reward).
How to change a bad habit to a good habit: Bored (cue) so you read an article, book, etc (habit) receive stimulation (reward). Stressed (cue) so you go for a walk (habit) to relieve stress (reward). If you experience a craving that you want to avoid, you can reduce your chances of giving in by focusing on the long term costs, instead of the short term benefits.
One strategy is to hook a new habit you want to form to an existing habit. Add the new small habit to something you are already doing. Drink more water so you hook it to your meals. Make exercise part of your existing morning routine.
Be okay with making modifications to your habit as you go. Don’t be stuck on having to do it this way because that was your original plan. Be flexible. This helps keep your routine fresh and can lead to better results. Give yourself GRACE. According to a study, the average time to form a new habit was 66 days with range of 18 to 254 days. Exercise takes 1.5x longer to form vs a habit of eating/drinking.
Finally, don’t try to do ALL the new habits at the same time. This is setting yourself up for failure. This advice is the same from John Maxwell, Brendon Burchard, Rachel Hollis. Pick one habit at a time to work on. Once you get it mastered, add the next one. These baby steps will get to the person you want to be. Some habits can take a week while others can take a month or more to form.
E – Environment
Your surroundings (Physical, Digital, and Social) influence all your habits.
Have trouble falling asleep or lay in bed playing on your phone for hours? Try these tips: Get rid of the temptation – charge your phone in another room or somewhere you have to get out of bed to get it. Make sure your alarm clock is facing away from you. If you are constantly hitting the snooze button, put your alarm 10 ft away from you so you have to get out of bed to turn it off. Get dark out curtains and make the room as dark as possible.
Have trouble snacking during the day or eating junk food? Try these tips: Put healthy snacks on the counter so you grab those instead of junk food. Don’t buy the junk food! If not buying it isn’t possible, put it somewhere out of sight or hard to reach. You have to really think about it to get it. Meal plan. This has helped me the most. Plan out what you are going to eat that day. That way when you are hungry you aren’t guessing or grabbing something unhealthy.
R – Reinforcement
You can either allow yourself to be controlled by the outside world or you can take control of your behavior and set the habits for your life.
In order to have personal accountability, you need to track your habits. Track your behavior daily. Review weekly / monthly and if you are not getting the results you want, you need to identify new behaviors that will help you for the following month. You don’t know whether you are achieving that habit without tracking. Find a friend that can help hold you accountability. Find a health and wellness coach that can help you (me!).
It will get hard! You will want to give up! Having this accountability partner will keep you going. Knowing your why will keep you going.
How do you want to show up for your life? What do you want to achieve? Identify a challenge that you are 50-75% confident that you can achieve with your best effort and focus. 75-100% means it is too easy and not bold enough. <50% means that it is too bold at this time of your life.
You can make excuses or you can get result. You can’t do both. Honor the commitment that you make. Every broken promise/commitment erodes the trust that you have in yourself and the trust that other people have in you. When it comes to keeping promises made to yourself and to others, perfection must be the goal. If you break a commitment, there better be a good reason. (not excuse)
