Tuesday, January 1, 2013

To Surrender vs To Succeed?

Your thoughts are running through your mind like a well-oiled machine. New creative plans roll out. Goal(s) you just made formulated on your churning thoughts that manufacture wealth! The temperature of excitement rises to a new high within you. The visualization of your plans put into a viable action arrives. Your mind says, "Yes this is a great way to produce wealth! I will do this!" Yet... anything worth having is NOT always easy! Your plans have a hiccup - a person(s),  thing(s)  or thought(s) that brings you a present of distraction and/or fear and/or let's be honest boredom! How can a great way of achieving wealth bring you boredom? What has happened? I will tell you! When you are obtaining wealth takes a lot of effort, and it can be exhausting and sometimes disappointing. Your first excitement without seeing any fruit of your labor can be daunting, and now has turned into boredom, into "I give up!" The once well-oiled machine churning thoughts creaks to a stop. The residence of the thoughts soon disappears like winds blow tumbleweeds far away into the scorching sun of a lonely desert.

If you were following my previous blog, I devised a plan to create an extra $1000+ per month to eradicate my student loans and accumulate money for my investments. I got a part-time job traveling 30 minutes and with traffic 40 minutes from my home both ways. Sometimes when I leave the job it is not uncommon for an accident to occur, and then I get home at a later time. Uugghh! By the way, I can not stand traffic. This new part-time job created excitement at first and revels in the glory of it. But now working six days a week, I can complain about the gas I am spending, the traffic, and the job, and thoughts arise, "Is this worth it? I do not get everything I need to understand this job. I might as well quit." A hodgepodge of frustration, fear, and failure creeps into my mind, and capitulating thoughts combats with thoughts of succeeding my goal. A double minded man is unstable in all his ways and confusion remains. So what I did to help me was write my vision down, why I wanted to achieve $1000+  per month and read it out every day once in the morning and once in the evening.

The drive has not improved, but the job has. Each day I grasp more and more, step by step, momentum building. I am compensated with enough money obtaining my goal to decrease my student's loans. This is the crux, the purpose of this part-time job. Is it easy? No. Is it frustrating? At first.

To recapitulate: everything starts with a thought, thoughts turn into desire and desire turns into action. Your actions may be slow at first, but do not surrender. With every step by step, you will gain momentum to a speed that can not be stopped. I am keeping this in my mind, and I share it with you to do the same.

To your wealth!







Thursday, August 25, 2011

Things You Want To Avoid With Your Credit Card

Hello friends.

If you have a credit card it doesn't mean that you now have free money. Nor is it OPM, other people's money, that now you can use to purchase your own stuff. The bottom line: if you make a purchase on credit, you will eventually have to pay for the item(s). What the banks love is to charge the customer interest for "borrowing" that money at a high APR, annual percentage rate, if you do not pay in full for the amount borrowed in the 1st month.


                                  NO PAY IN THE 1ST MONTH?


Let say your purchase a computer for $1000 on a credit card, and you do not pay off the credit card in full within the 1st month paying only $100. Your APR is 24%. When you get your next statement you know what your bill will look like? $1132!!!!! That is more than what you "purchased" for the computer! That is ridiculous. It would take you a while to pay this off! Okay, okay. Your APR could be less. You can pay more money each month. Yet, I will list things you should avoid with your credit card.

  • Use a debit card instead of a credit card.
  • Pay for the entire bill in the 1st month.
  • If you don't have $ for the item to it pays off in the 1st month? Don't buy it!!
Remember! A credit card is not free money! If you are having difficulties with your credit card(s), change your behavior, and you will be on to a life free of debt.

To Your Wealth