These days, it’s so easy to get caught up in our electronic, connected world that it’s all too common to see people just disconnecting from the actual humans around them. Moreso, they disconnect from themselves. In an effort to help make the world a little better place (and to help those who need a little boost in this area), I’m offering this free mini e-courses.
“Don’t limit yourself. Many people limit themselves to what they think they can do. You can go as far as your mind lets you. What you believe, remember, you can achieve.” ~Mary Kay Ash, founder Mary Kay Cosmetics
Click to download this free wallpaper! Or “right click, save link as.”
A great life doesn’t happen by chance. It’s the result of having goals and skillfully allocating your resources in order to reach them. These resources include your thoughts, time, and energy.
Ultimately, a great life comes from taking the 24 hours you’re given each day and using them in a wise manner. This is more effective than just dealing with the next item on your endless lis of chores or reacting to what’s happening around you.
The key is in being proactive to create the life you desire.
Consider making these action tips a part of your daily routine:
Get started. Avoid waiting for the perfect time or you’ll be waiting forever. It may be tempting to keep putting things off until you reach some milestone. But instead, take the first step to realizing your success and start now.
Create an excess of everything valuable. A great life is largely the result of having more than you absolutely need. You can apply this concept to time, money, fun, space, energy, love, friends, and anything else that matters to you.
What if you saved 5 years of living expenses and had 3 days a week to do what you want?
Wouldn’t it be nice to have so many friends that you could easily find someone available for a night on the town?
Can you imagine making 5 times the amount of money you need to pay your bills and getting to enjoy your life?
Simplify your life. Eliminate the things from your life that aren’t bringing you enjoyment or contributing to your success. Everything else is a distraction. By doing this, you free up the time and energy to focus on the important stuff.
Prioritize. Give the most important items in your life the highest priority. Consider the people you know that seem to constantly struggle. You’ll likely see that their priorities aren’t leading them to success. If you focus on irrelevant things, your life doesn’t move in a positive direction.
If you accurately prioritize and allocate your resources accordingly, success will be just around the corner.
Choose the life you want. The only alternative is to rely on random luck.
Remove the superfluous from your life. How many things in your life are physically and emotionally draining? Do everything you can to eliminate the distractions in your life and your energy level and productivity will soar
Strive for excellence. Great lives come from great effort. Are you spending your time and money in the best way possible? Your best effort isn’t simply “trying really hard.” It’s also doing your best to figure out where to focus your energy. Be effective and efficient.
Control your thinking.Taking charge of your thoughts is a huge priority. If you look at most of the previous tips, they’re about making it easier to control your thoughts.
Simplifying, having priorities, and removing distractions will all help you to control your thoughts. The more time you can spend focusing on your goals, finding solutions, and believing, the more successful you’ll become.
Success is the result of simplifying, focusing your resources, and controlling your thoughts. You already have everything you need to get started. The other things you require will be found along the way.
Start implementing these ideas today. They’re the backbone for creating a life you’ll love.
“I always knew I was going to be rich. I don’t think I ever doubted it for a minute.” ~Warren Buffett
You might be wondering what super-investor Warren Buffett can teach you about life. You might be thinking that he knows a lot about money, but that has little to do with being an expert on life. You might be surprised.
Warren is famous for his simple lifestyle and love of his work.
Let these lessons in life be a guide for contentment in your own life:
1. Focus on what you love. Warren has a nice, but modest home, and drives a $40,000 car. He could own the most expensive home and cars in the world but he doesn’t. He drinks Coke, buys what he likes, and enjoys a relatively simple life.
* Enjoy your life and the things you have. Avoid being concerned about what everyone else has or about what you could have. It’s more satisfying to own one perfect painting than to own 10 that don’t thrill you. Seek out the things you love and avoid wasting your time on the rest.
2. Quality is more important than quantity. You only need to make a few good decisions to be incredibly successful. Warren Buffett has hundreds of billions of dollars to invest for himself and others, yet he frequently only owns 20 or so stocks. Be picky. Be happy with a smaller quantity.
* Warren has a very famous line that basically states, “Your financial wealth would be much greater if you could only make 20 investments in your lifetime. You would make sure they were great if you had only 20 chances.”
3. Do what you love. Warren has said that the most important part of success and contentment is doing what you love every day. That’s why he’s never stopped investing and making money. If you’re spending your time doing what you love, you continue doing the same thing regardless of how much money you have.
* You might not enjoy the career you have right now. But are you doing anything to change that? Do you have a plan? Imagine how much more content you would be if you enjoyed going into work each day.
4. Mind your own business. You needn’t be concerned with what the competition is doing. Avoid being influenced by everyone else. If you do what everyone else is doing, you’ll simply be average. Avoid comparing yourself to everyone else. Follow your own intuition.
* Most of us are overly concerned with others. We’re worried about how we compare. We’re worried about their opinions of us. They’re probably thinking the same things. Get yourself out of that loop and do your own thing.
5. Stick to your talents. Warren is famous for shunning high-tech investments, even when they were practically a sure thing. He has stated that he simply doesn’t understand them well enough to invest in them. Stay in your areas of strength. You don’t need to do everything. Focus on what you know well.
* We usually enjoy doing the things that showcase our strengths. That’s human nature. It also makes life easier. Work on your weaknesses, but leverage your strengths.
You might be thinking, “Yeah, anyone could be content with $50 billion.” But that’s not true. Studies have shown that happiness and income are only correlated to $75,000. Above that income level, happiness does not increase.
Super wealthy people became wealthy largely because they were content living a particular way. You can be just as content, even if you never amass a mega-fortune.
Aim to increase the amount of contentment in your life. It might not be an issue of money, possessions, or the other things that most people think lead to contentment.
“Remember that credit is money.” ~Benjamin Franklin
There are several ways that we can rebuild credit when you’ve had tough times. Financial abuse is real for narcissistic abuse victims! No one should judge you. But if you are tired of collectors hounding you, or if you are frustrated that no one will loan you money because you never had credit, it is time to learn how to build your credit. First, and foremost, never purchase items you do not need. If you ‘want’, do not let your wants wear you down and get you deeper in debt. If you are searching to build credit and have no history at all, make sure you have your priorities in order.
Bad Credit? Tips for Building Credit
So, you got yourself in a little trouble. Whatever the reason your credit’s bad, I’m not judging you. We’ve all been there–but we are here to fix this problem, not talk about how terrible it is, so let’s do this.
Start by getting your free credit report. Obtain it at AnnualCreditReport.com for free. (You’ll get one each year)
What are my rights when it comes to credit scores?
Your rights, as they apply to your credit and according to the FTC, are as follows.
You’re entitled to a free credit report if a company takes “adverse action” against you, like denying your application for credit, insurance, or employment.
You have to ask for your report within 60 days of receiving notice of the action. The notice includes the name, address, and phone number of the consumer reporting company.
You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft.
Each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — is required to provide you with a free copy of your credit report once every 12 months, if you ask for it. To order, visit annualcreditreport.com, or call 1-877-322-8228. You may order reports from each of the three credit reporting companies at the same time, or you can stagger your requests throughout the year.
It doesn’t cost anything to dispute mistakes or outdated items on your credit report. Both the credit reporting company and the information provider (the person, company, or organization that provides information about you to a credit reporting company) are responsible for correcting inaccurate or incomplete information in your report.
To take advantage of all your rights, contact both the credit reporting company and the information provider.
More Tips for Bad Credit Repair After Narcissistic Abuse
There are systematic guides at your local library that will teach you, as a debtor, how to write letters to creditors.
Don’t be afraid to call a creditor and explain your situation. Even if you have ignored their calls for months, they will work with you in most cases. Communication will make you feel better and will help your creditor to understand your situation. While it may not immediately solve your credit problems, it is definitely a step on the road to recovery.
Any documents that pertain to your credit history should be stored in a safe area. If you send letters to your creditors keep a copy of each letter sent and store it in a safe area.
If you notice any errors on your bills or credit, reports make sure that you contact the appropriate professionals and dispute the charges immediately. Once you have disputed the charges with the sources you will then contact your card provider and let them know what occurred.
If you are lucky enough to have a credit card with bad credit, please don’t use the card to repay your debts and then meet the monthly installments on the credit card each month. That would mean getting out of debt while going in debt deeper–how sensible is that? It might seem like the only solution when all else false, but credit cards have interest rates so the bills each month on the card will increase.
If you’ve gone through financial abuse in a toxic relationship with a narcissist, chances are you might need to think about repairing your credit. While there are plenty of ways you can DIY your credit repair, you might find it overwhelming and want to look into a credit repair company.
Plus, if it’s been a while since you’ve looked at your credit report, or if the narcissist was hiding things from you (all too common in these relationships) you may be surprised to find errors, mistakes, or even a black mark or two.
How do you avoid an unethical credit repair company?
Fortunately, a Credit Repair Company can help you fix those mistakes and erase those black marks. Watch out for scammers, though, and choose a reputable Credit Repair Company with these tips.
Don’t pay anything upfront
Avoid a Credit Repair Company that wants you to hand over a fee or payment before they meet with you. That’s always a red flag. Reputable companies will first talk to you, assess your credit report and discuss your current situation before asking for any type of payment for their services.
An up-front fee is a red flag that the company will probably take your money and run. And no matter what type of charges you may incur, be sure they aren’t exorbitant. If a Credit Repair Company claims your case will cost thousands of dollars, look for another one.
Watch out for “re-inventors”
Some companies will tell you that you can wipe your credit slate clean by “re-inventing” yourself with a new social security number. But that’s not true!
In most cases, what they plan to do is get you a new credit report by applying for an Employee Identification Number (EIN)–used by businesses–which resembles a social security number, and you’re told to use it as such. But this practice, known as “file segregation,” is a scam, and it’s also illegal!
Avoid any Credit Repair Company that suggests this practice.
Look for a credit repair agency that helps you help yourself
A good Credit Repair Company will tell you (for free!) what you can do yourself, such as writing letters to creditors and contacting the credit reporting bureaus about errors.
Avoid any Credit Repair Company that encourages you to do anything illegal or unethical–such as disputing a legitimate charge or fee on your credit report.
Before signing up with any Credit Repair Company, make sure you check with the Better Business Bureau. They’ll have records of any formal complaints against the company, so you can avoid scammers and rip-off artists.