Your credit history can have an impact on many things in your life including your job, home, and insurance. Those with little to no credit can find the process of building credit daunting. However, it is vital to ensuring your future. Here are some basic steps anyone can take to build their credit score.
I came across an article recently called "Wait to Worry" by Vicki Hitzges and thought it could help if you tend to worry:
I used to worry. A lot. The more I fretted the more proficient I became at it. Anxiety begets anxiety. I even worried that I worried too much! Ulcers might develop. My health could fail. My finances could deplete to pay the hospital bills.
To get some perspective, I visited a well known, Dallas businessman, Fred Smith. Fred mentored such luminaries as motivational whiz Zig Ziglar, business guru Ken Blanchard and leadership expert John Maxwell. Fred listened as I poured out my concerns and then said, "Vicki, you need to learn to wait to worry."
As the words sank in, I asked Fred if he ever spent time fretting. (I was quite certain he wouldn't admit it if he did. He was pretty full of testosterone-even at age 90.) To my surprise, he confessed that in years gone by he had been a top-notch worrier!
"I decided that I would wait to worry!" he explained. "I decided that I'd wait until I actually had a reason to worry-something that was happening, not just something that might happen-before I worried."
"When I'm tempted to get alarmed," he confided, "I tell myself, 'Fred, you've got to wait to worry! Until you know differently, don't worry.' And I don't. Waiting to worry helps me develop the habit of not worrying and that helps me not be tempted to worry."
Fred Smith would frequently ask the audiences what they were worried about this time last year and he would get a lot of laughs, because most people can't remember. Then he would ask if they have a current worry – you see nods from everybody. Then he would remind them that the average worrier is 92% inefficient – only 8% of what we worry about ever comes true.
Worrying is different than concern. It's OK to be concerned about something, but when it turns to anxiety or hand-wringing worry, then it's bad for us and we lose our focus. Don't let worry blur your focus.
"Anxiety does not empty tomorrow of its sorrow, but only empties today of its strength." – Charles Spurgeon
Song "They That Wait" – Isaiah 40:31
They that wait upon the Lord will renew their strength;
They will mount up with wings like eagles.
They will run and not grow weary;
They will walk and not faint.
Teach me, Lord; teach me, Lord, to wait.
If you're like most people, every month the list of to-dos, appointments and demands grows larger. There are times when life can be a little overwhelming. Are you ready to simplify your days so you can live life on your terms?
A little technology can go a long way in getting your life in order while saving time and minimizing stress. But, technology that causes more stress isn't really helping you. E-mail has become a great source of stress for a lot of people, including yours truly. Where do you start?
Go on an e-mail diet. Unsubscribe from EVERY electronic mailing and commercial list that you never read. For me, this cut down about 20% of my daily e-mail. This only takes a little time but will pay long-term dividends. Most e-mail lists offer a way to unsubscribe near the bottom of the e-mail. It's actually the law. If they don't and you can't seem to get off the list, then block the e-mail using your e-mail software's tools. For those on Facebook, you should stop all of the notifications from being sent to you. If you love Facebook, set a time each day to get on and catch up.
DRAFT your e-mail. You'll be amazed at what a difference following this quick tip will do for your e-mail inbox. It's an acronym that stands for "Discard," "Refer," "Act," "File," or "Table." Here's what they all mean…
- DISCARD: Trash it. If it will never be retrieved again, don't keep it. Remember that your e-mail folders are for storing information and resources, not a dead storage place. Just delete it.
- RESPOND: If someone else can respond to the e-mail for you, or if someone else needs the information, pass it on or give it up! Don't get caught in a paper trail jail. Here's where some of you need to be aware of what you do to others by passing on trivial information. Most of us don't care about seeing the redneck lion (a dog shaved to look like a lion.) While I enjoy humor as much as anyone, this takes time and some folks don't appreciate it. Your friends will like you much more if you don't send them this kind of e-mail clutter. Try to keep this type of "information" limited to Facebook or some other type of social media site.
- ACT: Act on it now. Don't procrastinate. Answer routine e-mail immediately. If not, the time needed to tackle your e-mail later on can snowball! This will created a new source of stress.
- FILE: File it in subfolders. If you don't have these setup already, start with major categories and then get more detailed as warranted. You can have subfolders of subfolders but it's probably not wise to go much deeper than this. There are other tricks to help in finding that filed e-mail later.
- TABLE: Table it. If you need it at some time in the near future, other than today, place it in a simple "follow-up" system for easy, quick access! Use this sparingly and set aside a time on your schedule to "follow-up."
Set a Computer Curfew. Give yourself a "computer curfew" and plan to check your e-mail at only certain times of the day. By setting limits, e-mail will be less likely to take over your entire day. This goes double for Facebook time.
"Productivity is determined not by work… but by EFFECTIVE actions disguised as work." — Doug Firebaugh
"You don't have to be great to get started, but you have to get started to be great." — Les Brown
"Don't wait. The time will never be just right." — Napoleon Hill
SIMPLE WAYS TO SUPERCHARGE YOUR GOALS AND MAKE THEM WORK!
by Chris Widener
Goals. Most people have a love-hate relationship with goals. They love them because they are such a great idea and a wonderful way to motivate us to achieve, as well as evaluate our progress, but hate them because, for many, they more often than not go unattained and simply frustrate them. This isn’t what goals should do!
So here are some simple ways to set goals so that we achieve them! After all, what good is a goal if it isn’t something you achieve? Here are some simple steps you can take to make sure that you see change in your life this year.
Narrow your focus. That’s right, start small. Pick two or three areas tops, that you want to work on. Too many people say to themselves, “I want to do this, and this, and this, and this…” and they end up doing nothing! Most of what you do throughout your day can be done without a lot of mental or emotional exertion, but change isn’t one of them. So focus down to a couple. This way you can get some victory in these areas. Here are some areas to think about: Physical, Intellectual, Emotional, Spiritual, Financial, and Relational. What areas need some work? Now, what one thing should be the first item on the change list? The others will come later, but for now, you should focus on two or three total.
Keep the long term in mind, but set your sights on achieving your goals in the short term. Do you want to lose 75 pounds? Good. Long term, you will. But for now, think short term. Don’t think about losing 75 pound by the end of the year. Think about losing 5 pounds in the first two weeks. This does two things. First, it makes it urgent. Instead of blowing it and saying, “Oh well, I still have 10 months to lose the 75 pounds” (because eventually that becomes 2 months to lose 75 pounds), your goal is only two weeks out. This is better in terms of reaching your goal. Secondly, as you reach these shorter goals, it gives you regular victories instead of regular progress. Progress feels good, but achieving a goal is awesome!
Reward yourself when you achieve the goal. When you lose the 5 pounds in two weeks, treat yourself to a grandé whole-milk mocha. But just one! Then get back to your goal for the next two weeks. This puts a little fun back into the process of self-control and self-discipline. You will look forward to the reward, and when the going gets tough, you will say, “two more weeks, two more pounds, then…”
That’s it. I truly believe that it can be that simple for you.
If you need a little bit more help, I’ve added a few more ideas.
1. Don’t bite off more than you can chew. Instead of saying, “I am going to quit my three packs a day habit, cold turkey,” say “I am going to drop to a pack and a half a day.” You can always make new short-term objectives when you have achieved the first ones. Give yourself small victories a little at a time. Instead of saying “I am going to lose 75 pounds,” say “I am going to lose 20 pounds.”
2. Be specific in your timeline. Don’t just say, “I am going to lose 20 pounds.” Say, “I am going to lose 20 pounds by April 15th.” This way, when you start to be tempted in the ice cream aisle in the middle of February, you can say, “Nope, only 10 more pounds to go in a month and I am not going to blow it.”
3. Post your resolutions where you will see them every day. This will keep the resolution in the front of your mind at all times. Instead of forgetting that you are trying to lose weight and ordering a big, thick porterhouse, you will have been reminded earlier that day that you need to go with something a little on the lighter side. It will help your will beat your desire.
4. Find an encouraging person, who you respect, to keep you accountable. This person should ask you, at an interval established by the both of you, how it is going. They must be the encouraging type, though. If you are blowing it, they can say, “Well, that’s okay, get back to it tomorrow.” If you are doing well, they can say, “Awesome job. I’ll talk to you next week.” You will look forward to their weekly encouragement.
5. Find a partner. That’s right, someone who is trying to accomplish the same thing (or something different if need be). Just make sure that they really want to change, or they will end up just bellyaching about how hard it is and you will both fall into the abyss.
6. Write down a list of all of the benefits that will come if you accomplish this. If it is losing weight it might be something like this: Feel better, better self-esteem, longer life, clothes are more comfortable, no more time spent sewing on popped buttons, wife says you look 22 again, etc. If it is quitting smoking, it may look like this: Better breath, no more brown fingers, no more wrinkles on my face, no more red eyes, no more smelly clothes, longer life, wife don’t make me spend two hours a day on the back porch, etc. This will help you see what you will get from accomplishing your resolution.
7. Plan a reward if you accomplish your goal. It can be anything from small to large. If you drop the 20 pounds, go out for dinner and dessert. Then get back to losing the next 20. If it is quitting smoking, go on a mini-vacation. Whatever you do, reward yourself. Or let a spouse or a friend pick the reward. Then splurge and enjoy!
Chris Widener is an internationally recognized speaker, New York Times and Wall Street Journal best-selling author and TV and radio host. He is the author of eight books and audio series as well as over 400 success articles. To learn more or to order Chris’s products, including his newest book Above All Else, , The Art of Influence, or Twelve Pillars co-authored with Jim Rohn, or his newest CD series, Twelve Pillars—The Skills You Need to Succeed, click here.
“Far better to dare mighty things, to win glorious triumphs, even though checkered by failure, than to take rank with those poor spirits who neither enjoy much nor suffer much, because they live in the gray twilight that knows not victory, nor defeat.” — Theodore Roosevelt
“Pick battles big enough to matter, small enough to win.” — Jonathan Kozel