Positive mental attitudes are not just for New Year's Day or Mondays, but for every day of the year. Like a campfire that has a good bed of coals to it, you don't need to have a ten-foot blaze of flames shooting forth at all times, but once the flames have gone down to embers, all you have to do to keep it hot is to add a little bit at a time. Our attitudes are the same. Being "on fire" all the time can be done, but it is work, and can get a bit irritating to those around us.
Instead of going "gang-busters" all the time, add a bit of fuel every day.
* Have a bit of quiet time to reflect each morning or evening before you head to bed to take assessment of where you are and how you are going about to get there.
* Find the good things to think about. If you are tired from working all day, be thankful that you have a job. If you are exhausted from mowing your yard, be thankful that you still have a home with a roof over your house. If your clothes are becoming more snug lately, have a grateful heart that you have plenty to eat.
* Hang around with other positive people. If all you do is hang around hateful, sullen folks, you too will soon become hateful and sullen. Other people can become an influence to you, so choose your friends wisely.
Keep the faith and keep working on getting out of credit card debt because you CAN do it! Have a GREAT day!
Showing posts with label positive mental attitude. Show all posts
Showing posts with label positive mental attitude. Show all posts
Tuesday, July 7, 2009
Wednesday, June 17, 2009
PMA: Developing The Habit
A Positive Mental Attitude is essential to success when it comes to your life and when it comes to eliminating your credit card debt. Some people mistakenly assume that you have to think that they have to walk around the whole time of their life with a smile on your face, say that "everything is great" (even with your world crumbling down, and always be peppy. That may be perfect for a select few, but
I am a realist.
Some may say that if a 16 ounce glass has 8 ounces of water in it that, if you are a pessimist, the glass is half empty. Somebody else will look at that same glass and say, if they are an optimist, that the glass is half full. I will look at the glass and say that the glass is the wrong size. The same exercise can be used with credit cards. You may have the ability to keep up with your monthly payments so you may look at how much credit line you have left. Or, you may look and see how much debt is piling up.
Sometimes you have to step back and ask yourself what the heck is going on. Credit cards can be a trap for many people and it may take them years to develop the habit of not using credit cards except in an emergency. Developing that type of habit can take time. Having a positive mental attitude to help you attract the things that you want in life takes time as well. Start small, if you must by writing down a small goal and work toward that. Make it attainable and achievable and when you tackle that goal, move on to another one that is slightly more challenging for you and that will build on the strength that you developed earlier. The pattern of success will help "train" you to become more and more successful.
Keep working at it and have a GREAT day!
I am a realist.
Some may say that if a 16 ounce glass has 8 ounces of water in it that, if you are a pessimist, the glass is half empty. Somebody else will look at that same glass and say, if they are an optimist, that the glass is half full. I will look at the glass and say that the glass is the wrong size. The same exercise can be used with credit cards. You may have the ability to keep up with your monthly payments so you may look at how much credit line you have left. Or, you may look and see how much debt is piling up.
Sometimes you have to step back and ask yourself what the heck is going on. Credit cards can be a trap for many people and it may take them years to develop the habit of not using credit cards except in an emergency. Developing that type of habit can take time. Having a positive mental attitude to help you attract the things that you want in life takes time as well. Start small, if you must by writing down a small goal and work toward that. Make it attainable and achievable and when you tackle that goal, move on to another one that is slightly more challenging for you and that will build on the strength that you developed earlier. The pattern of success will help "train" you to become more and more successful.
Keep working at it and have a GREAT day!
Tuesday, June 16, 2009
Belief: The Secret Ingredient
Yesterday, we talked about how a positive mental attitude is a great tool to help you achieve your goal of eliminating your credit card debt. It isn't just a tool that will serve you to achieve that goal, but it can bleed over to any aspect of your life. When studying positive mental attitude in my life, I have noticed one key ingredient:
Belief.
You have to first believe that you will achieve what you are going to achieve. It may be a goal of losing a certain amount of weight, it may be to have a certain amount of money in your checking account, it may be what we have talked about here at this blog for the past 100+ days, eliminating your credit card debt. There is a saying that goes, "whether you believe you can, or believe you can't, you are right."
It seems that when you believe something, subconsciously you begin to align yourself with actions, habits, and surroundings that will make it more of a reality. For example, if you believe whole-heartedly that you can write a book. you will start to notice how others write their books. You may read more. You may notice an article on ezinearticles.com. Perhaps you submit an article there and you get the idea on what you want your book to be about. You start to keep a notebook about the points that your book will cover. Then you create a rough sketch outline. Then you fill it in. The next thing you know, you have a book on your hands (mine will be available soon at www.money-for-my-life.com ).
You see, you gotta believe, and the rest will "magically" take care of itself. Be careful and do not mistake "like" with "belief". There is a difference between saying "I would like to earn $1,000" and "I believe I will earn $1,000." Can you spot the difference?
Have a GREAT day! Believe in yourself!
Belief.
You have to first believe that you will achieve what you are going to achieve. It may be a goal of losing a certain amount of weight, it may be to have a certain amount of money in your checking account, it may be what we have talked about here at this blog for the past 100+ days, eliminating your credit card debt. There is a saying that goes, "whether you believe you can, or believe you can't, you are right."
It seems that when you believe something, subconsciously you begin to align yourself with actions, habits, and surroundings that will make it more of a reality. For example, if you believe whole-heartedly that you can write a book. you will start to notice how others write their books. You may read more. You may notice an article on ezinearticles.com. Perhaps you submit an article there and you get the idea on what you want your book to be about. You start to keep a notebook about the points that your book will cover. Then you create a rough sketch outline. Then you fill it in. The next thing you know, you have a book on your hands (mine will be available soon at www.money-for-my-life.com ).
You see, you gotta believe, and the rest will "magically" take care of itself. Be careful and do not mistake "like" with "belief". There is a difference between saying "I would like to earn $1,000" and "I believe I will earn $1,000." Can you spot the difference?
Have a GREAT day! Believe in yourself!
Monday, June 15, 2009
PMA: Keep Fueling Your Positive Mental Attitude
It isn't just for eliminating your credit card debt. There are many other applications that it can be used for. It just so happens that we talk about saving money and eliminating your credit card debt in this blog. But one tool that can be used here is one tool that will serve you in all of life:
Positive Mental Attitude.
This was one of the earliest lessons that I learned in my adult life. There was a trumpet instructor at the University of Arkansas where I earned my bachelor's degree in music education. He was the type of guy that you loved to be around. He always had something encouraging to say and you always left his presence feeling better than when you were feeling before he came around.
One day, he invited several of us to go to Oklahoma with him to an Amway meeting. There was a room filled with 500+ enthusiastic people and the feeling was quite contagious. It was at that time that I learned the importance of filling your mind with lots of positive things, and I picked up a book (which I still have to this day) by Napoleon Hill called "Success Through A Positive Mental Attitude". The book told of the success that you could enjoy by employing several techniques for keeping a positive mental attitude.
This book and many others are ones that are referred to by myself that help to keep my focus on having a positive outlook and succeeding. It even helps as I continue to grow my Internet presence and work toward financial independence as many others have dreamed of as well. One thing that I have learned is that there is a difference between dreaming of a successful life and having goal. Goals are just dreams with plans.
Succeed in planning and you will develop a plan to succeed. Have a GREAT day!
Positive Mental Attitude.
This was one of the earliest lessons that I learned in my adult life. There was a trumpet instructor at the University of Arkansas where I earned my bachelor's degree in music education. He was the type of guy that you loved to be around. He always had something encouraging to say and you always left his presence feeling better than when you were feeling before he came around.
One day, he invited several of us to go to Oklahoma with him to an Amway meeting. There was a room filled with 500+ enthusiastic people and the feeling was quite contagious. It was at that time that I learned the importance of filling your mind with lots of positive things, and I picked up a book (which I still have to this day) by Napoleon Hill called "Success Through A Positive Mental Attitude". The book told of the success that you could enjoy by employing several techniques for keeping a positive mental attitude.
This book and many others are ones that are referred to by myself that help to keep my focus on having a positive outlook and succeeding. It even helps as I continue to grow my Internet presence and work toward financial independence as many others have dreamed of as well. One thing that I have learned is that there is a difference between dreaming of a successful life and having goal. Goals are just dreams with plans.
Succeed in planning and you will develop a plan to succeed. Have a GREAT day!
Sunday, June 14, 2009
Can Credit Card Debt Elimination Happen In A Timely Matter?
That's a question that is answered by: "It Depends." It depends on a combination of things:
*Your Ability To Pay at Least the Minimum Monthly Payment in a Timely Matter - If you are having a difficult time making your minimum payment on all of your credit cards, you might have to look at getting a higher paying job, getting a second job, getting a loan from a bank (with poor credit, that may be easier said than done), getting a loan from family (unless they have none to loan), getting a loan from friends, or, when all else fails, seeking professional help
*Your Ability To Stay Employed - In these tough financial times, it may be difficult to keep your job. There have been times where I have not been as fully employed as I could have been, but I have always been willing to work, even if it meant that I was doing something "below" my abilities. After all, "Oatmeal is Better Than No Meal".
*Your Desire To Get Out of Credit Card Debt - Sometimes you have to keep a PMA (positive mental attitude, but "Where There's a Will, There's a Way" has never rang more true. Once you decide to do something, subconsciously, you cut yourself off from all other possibilities and you find ways to make it happen.
Hang in there, Have a GREAT day!
*Your Ability To Pay at Least the Minimum Monthly Payment in a Timely Matter - If you are having a difficult time making your minimum payment on all of your credit cards, you might have to look at getting a higher paying job, getting a second job, getting a loan from a bank (with poor credit, that may be easier said than done), getting a loan from family (unless they have none to loan), getting a loan from friends, or, when all else fails, seeking professional help
*Your Ability To Stay Employed - In these tough financial times, it may be difficult to keep your job. There have been times where I have not been as fully employed as I could have been, but I have always been willing to work, even if it meant that I was doing something "below" my abilities. After all, "Oatmeal is Better Than No Meal".
*Your Desire To Get Out of Credit Card Debt - Sometimes you have to keep a PMA (positive mental attitude, but "Where There's a Will, There's a Way" has never rang more true. Once you decide to do something, subconsciously, you cut yourself off from all other possibilities and you find ways to make it happen.
Hang in there, Have a GREAT day!
Thursday, June 4, 2009
Hold Your Head Up
When in the quest to eliminate your credit card debt, it becomes a challenge at times to remain focused and disciplined. The stress level can be extremely heavy at times, and that stress can take its toll on you if you aren't prepared to deal with it. Here are some "stress busters" that may help you to deal with the stress of eliminating credit card debt, but also with other stresses in your life:
* Exercise - You wouldn't have to train for a marathon nor attempt to break the world record for weight-lifting, but sometimes something as simple as a thirty minute walk can help to put your mind on something else. Personally, I use the summertime months to get my exercise outdoors by mowing our yard (by hand, of course). The hour or so gives me some much needed exercise plus the satisfaction of seeing our lawn look neat (and it saves money to do it yourself)
* Read a PMA (Positive Mental Attitude) book - you don't have to run to the bookstore to find these books, they are often at the local library for free. Some of my favorites include Think and Grow Rich by Napoleon Hill, See You At the Top by Zig Ziglar, or Personal Power by Anthony Robbins
* Take a picnic lunch/dinner to a park - just having dinner and enjoying the outdoors (while saving money) can serve as a "charge" to your inner batteries
* Listen to music - Some people like to listen to music (and most radio stations are free) and there is a variety of stations out there for you. You can even find music that you like to listen to online for free.
My personal wish is for you to become successful in eliminating your credit card debt and to enjoy life as it was meant to be enjoyed! Have a GREAT day!
* Exercise - You wouldn't have to train for a marathon nor attempt to break the world record for weight-lifting, but sometimes something as simple as a thirty minute walk can help to put your mind on something else. Personally, I use the summertime months to get my exercise outdoors by mowing our yard (by hand, of course). The hour or so gives me some much needed exercise plus the satisfaction of seeing our lawn look neat (and it saves money to do it yourself)
* Read a PMA (Positive Mental Attitude) book - you don't have to run to the bookstore to find these books, they are often at the local library for free. Some of my favorites include Think and Grow Rich by Napoleon Hill, See You At the Top by Zig Ziglar, or Personal Power by Anthony Robbins
* Take a picnic lunch/dinner to a park - just having dinner and enjoying the outdoors (while saving money) can serve as a "charge" to your inner batteries
* Listen to music - Some people like to listen to music (and most radio stations are free) and there is a variety of stations out there for you. You can even find music that you like to listen to online for free.
My personal wish is for you to become successful in eliminating your credit card debt and to enjoy life as it was meant to be enjoyed! Have a GREAT day!
Thursday, May 21, 2009
Having A PMA (Positive Mental Attitude)
Hope springs eternal, that is how the saying goes. When undergoing the quest to eliminate your credit card debt, there will be times when you shall be sorely tested. When the tough gets going, it can be difficult, at best, to keep going. I have had the fortune of being exposed in my young adult life to books like "Think and Grow Rich", "How to Win Friends and Influence People", "See You at the Top", "Success Through a Positive Mental Attitude", and, my favorite, "Rhinoceros Success". The premise behind filling your mind with positive things will help when positive things are not happening in your life. Their philosophy in these (and lots of other) books is that you have to find the positive things and focus on them instead of dwelling on the bad. So, in other words,
HANG IN THERE!
You gotta stay focused on what the goal is. The goal for many of us is to be free from the bonds of high-interest credit card debt. Although Congress is currently drafting legislation to help against some of the predatory practices of credit card companies, we cannot rely on somebody else to take control of our lives: we have to do it ourselves. Congress is doing what they can, but it is certainly not enough. In fact, it may hurt the people who need the help the most, the ones who need credit. It will be tougher for those to get credit.
KEEP FOCUSED!
Your goal is perhaps to rely less on credit cards and make your hard-earned money work for you. Don't make somebody else rich by the blood of your brow. Learn as much as you can, find the actions that will lead you to the destination of being credit card debt free, and then (dare I mention it?) TAKE ACTION! Action is 1,000 times more effective than inaction. If you do nothing, you will get nothing. Please do what you can to help yourself. I am here to help, but ultimately it is YOU that will do the action.
Have a GREAT day!
HANG IN THERE!
You gotta stay focused on what the goal is. The goal for many of us is to be free from the bonds of high-interest credit card debt. Although Congress is currently drafting legislation to help against some of the predatory practices of credit card companies, we cannot rely on somebody else to take control of our lives: we have to do it ourselves. Congress is doing what they can, but it is certainly not enough. In fact, it may hurt the people who need the help the most, the ones who need credit. It will be tougher for those to get credit.
KEEP FOCUSED!
Your goal is perhaps to rely less on credit cards and make your hard-earned money work for you. Don't make somebody else rich by the blood of your brow. Learn as much as you can, find the actions that will lead you to the destination of being credit card debt free, and then (dare I mention it?) TAKE ACTION! Action is 1,000 times more effective than inaction. If you do nothing, you will get nothing. Please do what you can to help yourself. I am here to help, but ultimately it is YOU that will do the action.
Have a GREAT day!
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