Free Yourself From Debt! 4 Ways To Get Debt-Free In No Time

Out of funds and drowning in debt? This is surely a situation that no one wants to be in. Sadly, this financial hardship can hardly be considered an irregular occurrence. The result of a recent survey by the American Psychological Association reveals that money is one of the biggest stressors in America. Moreover, another survey shows that living a debt-ridden life is one of the top money fears for Americans. Theses studies suggest that in order to beat stress, it is important for an individual to have stable finances and stay out of debt.

This is understandable as paying off huge sums of debt, especially if you are barely getting by, can be stressful or even depressing. While it can be a tough situation to be in, it is definitely not a hopeless one. The moment you realize you are in a financial rut, the best thing you can do is immediately think of solutions to get out of it. If you want to say goodbye to your debt and experience financial freedom, try the following money-management strategies.

Come face-to-face with your debts.

Your debt-free strategy should start by looking at how much money you owe and to whom do you owe them. Just like you list out your goals, you can also put into writing the debt you are targeting to pay. If you have more than one credit card, you can write down the outstanding amounts on each card, interest rates and payment terms. This will help you plan strategies on how to pay off each one and give you a clear idea which loans to prioritize. As you religiously make payments, you can update the list to see how your loan balances are getting smaller. This method will allow you to see your progress and motivate you to reach your financial goals.

Cut back on spending.

If you want to get rid of debt, you have to make sure your lifestyle is not increasing your debt balance. You’ve probably heard how important it is to “live below your means”. Especially if you want to be debt free. This means holding off any purchases that aren’t absolutely necessary. Depending on your impulse control, you may have to hide your credit cards to avoid temptation whenever you want something outside your budget. It is important to accept that for the time being you may need to deny yourself some luxuries or comforts. However, by finding ingenious ways to save and reducing your spending, you can get by without feeling deprived.

Try to negotiate.

High interest rates and compound interest are two of the biggest factors in why paying off debt can feel like a burden. The good news is that you can possibly negotiate a lower interest rate with your bank or other financial institutions. With the right negotiation techniques, you can even request your creditors to freeze the interest for a period of time. These moves will significantly lower the amount you have to pay and ease your financial load. The help they can offer and the strategies you will use vary depending on the kind of loan you have. Remember to be sincere and determined as it may help your creditor be more willing to offer ways to make it easier for you.

Find ways to augment income.

One of the worst feelings is realizing your credit card statement is way more than your monthly paycheck. This can be a  huge problem because to prevent interest rates from accumulating, your goal should be to pay the total amount on your bill every time. This may mean that you have to look for new ways to earn more. You may need to take on an extra job or sell items you don’t need. Creativity and determination will help you think of ways to make more money and get out of the debt trap.

If you wish to live a debt-free lifestyle, finances are one of the most important things you have to take control of. It will take discipline and determination, but the satisfaction that comes from finally declaring yourself debt free will be worth all your sacrifices.

Leslie WolgamottFree Yourself From Debt! 4 Ways To Get Debt-Free In No Time
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3 Things You Can Do Today To Get Closer To Your Goals

Are you tired of waiting for your dreams and goals to manifest? Do you feel that success remains elusive in spite of all your hard work and effort? We know that great things are worth the wait but sometimes, you can’t help but wish that you could somehow speed things up. If you can relate to the above statements, you may be thrilled to know that there are easy things you can do to achieve your goals in a shorter time. You can even start doing them today. Try doing the following suggestions and expect amazing results.

Write down your goals.

It is hard to determine the things you want to accomplish if you don’t even know your targets. Take time to think about your goals and take the first step by writing it it all down. This simple practice can serve as a powerful reminder that you have goals to meet. Moreover, writing down your goals has a scientific basis. .A study done by psychology professor, Dr. Gail Matthews proved that participants reported a 42% chance of success when they wrote down their goals. When you keep your goals inside your mind, they get stuck in the imaginative part of your brain. However, once you write it down, the goals get transferred into the left hemisphere which dictates logic and action.

Craft a vision board.

Another way to make your journey towards success shorter is by believing in the power of visualization. This concept is featured in the popular book by Rhonda Byrne, The Secret. It states that imagining reaping the success you want will help your dreams to manifest in your life. The power of visualization has been endorsed by notable personalities such as Oprah Winfrey and Arnold Schwarzenegger.

To do this, you need to create a collage of pictures and words that represents your dreams and aspirations. Paste the collage of your goals in a board and place it where you can often see it. According to the law of attraction from the bestselling book by Byrne, visualizing the realization of your dreams allow you to release a positive force into the universe. The universe will then present you opportunities to get you closer to your dreams. To enhance success of your vision board you can meditate and state affirmative sentences.

Find a mentor.

To fast-track your goals, it will be extremely helpful to know the fastest route as well as the traps to avoid along the road. To gain access to this information you need someone who knows the route by heart. Someone who has been there and done that. In other words, a mentor may play a huge role in your success. Mentors can share their expertise and wisdom, and guide you every step of the way. Not everyone may need a mentor but having one definitely gives you an edge over others.

There is no magic trick to guarantee instant success. And true enough, most of the things you want to achieve in life take time and patience. The suggestions above are relatively easy to do but will work best if you combine it with the right attitude to work hard and excel.

Leslie Wolgamott3 Things You Can Do Today To Get Closer To Your Goals
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Gain Courage To Free Yourself From Bad Habits: Try These Simple Hacks

You are probably one of the many who starts the year by creating a list of resolutions. You wish and hope for a better year ahead by making a firm decision to break some of your bad habits. These are the habits that keep you from getting that much-needed promotion, from achieving your dream figure, or from getting that much-coveted position.

But we all are aware of the reality that resolutions are likely to be broken. Sometimes, no matter how many self-help books you read or motivational audios you listen, breaking a bad habit is simply hard. Many falls to the lure of succumbing to old toxic ways all too quickly. Sometimes quitting or abandoning your resolutions appear to be the sweeter and easier route to take. But remember the saying that ‘no pain, no gain.’ So before giving up, you may first want to try the simple hacks below:

Recognize the bad behaviors

Bad habits are likely things that you enjoy doing so it may be hard for you to realize how these behaviors are jeopardizing your life. However, the first step in changing a certain behavior is realizing and accepting that you need to let it go because they do more harm than good.

Take small but steady steps

Once you identified the bad habits that are stunting your growth as an individual, it is time to take action! To make the process easier, it is better to take small steps by making slow changes in your habits. For example, If you want to start eating healthier, you may start by reducing soda intake in your diet on your first week. Then for week 2, you may start limiting fatty foods as well. As you go on setting and sticking to small goals, you make the process a lot more doable. At the same time, your confidence to commit to a goal will increase. By taking small but consistent steps, you may one day realize that you have completely erased the bad habit from your lifestyle.

Make a room for failure

Breaking a bad habit is like hitting a high, hard wall so the worst thing you can do is to expect the transition from bad habits to good ones to be easy. You are likely to lose motivation or fail at some point and it is perfectly normal. When you notice your willpower to start a good habit waning, remind yourself that what matters is you do not give up. By making realistic goals, you increase chances of success.

Mind your choice of words

Research has proven that the power of self-affirmation and word-choice will help you say goodbye to old and harmful habits permanently. A 2011 study published by the Journal of Consumer Research reveals the difference of uttering “I don’t” and “I can’t” statements when conditioning good habits. In the said research, one group was asked to use “I don’t “statements while another group used “I can’t” statements to avoid temptations. The study concludes that 8 out of 10 people in the group that used “I don’t” manages to successfully stick to their goals.

Form a support team

Who says you have to do it all by yourself? You can seek the help of the people around you as you try to eliminate a bad habit out of your system. Their support and encouragement may just provide the boost you need to hold on to that resolution.

You probably heard the saying “man is a creature of habit”. The quote emphasizes the importance of fostering good habits in having a more rewarding existence. So do all you can to break free from bad habits to move forward in life and to achieve your full potential.

Leslie WolgamottGain Courage To Free Yourself From Bad Habits: Try These Simple Hacks
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Foolproof Your Way To Success By Breaking These Habits & Mindsets

The vision of triumph gives many of us the strength to go on even when difficulties arise. Sometimes though, your goals remain unreachable despite your best efforts and countless struggles. Failures should not be feared because mistakes offer many opportunities for growth and learning. However, if defeats and disappointments start to dominate your life, then it is probably time to start asking yourself why it keeps on happening.

One simple way to achieve your dreams is by emulating the behaviors of successful people that you admire. By observing their ways, you may see the commendable habits and mindsets that set them apart from the rest. Take time to stop a while and examine if your own actions and thinking differ from those of the achievers. Chances are, you may be guilty of the following:

Setting Unrealistic Expectations

The most successful people have a clear perception of what they want to achieve and how to do it; allowing them to set targets that are not too low or too ambitious. Achievers build a path to success and minimize the risk of failures by devoting time to planning and researching prior to goal-setting. On the contrary, those who often fail probably miscalculate the potential of reaching a goal because they ignore the need to invest time into studying their strategies before the actual venture.

Dwelling on Self-Pity and Self-Doubt

Mistakes are an essential part of any learning process so everyone will likely experience a downfall at some point. Strong people acknowledge their emotions by allowing themselves to feel bitter after a loss but they do not dwell on the negative emotions for too long. They do not allow failures to destroy their focus and crush their confidence as well. Instead, they see it as an opportunity to prove to everyone that they can rise above the challenges.

Expecting Things To Be Easy

Achievers know that all great things are worth the wait and effort so the moment they set their eyes on a dream, they also start to prepare for grueling and backbreaking work. If you want success, being hardworking and patient will surely help you reach your targets.

Keep On Making Excuses

Immature people choose to deal with failures by pointing the blame to various factors except themselves. Instead of owning up their wrong moves, they try to heal their wounded egos by making excuses to cover up their shortcomings. This practice is surely a no-no if you want to achieve anything great in life. Stop thinking that you are a victim of realities surrounding you. Instead, learn to be flexible and adjust to realities that are sometimes uncontrollable or unavoidable.

Do Not Take Risks

Successful men and women avoid failures by exercising caution. Nevertheless, it does not mean that they do not have the courage to explore uncharted territories. If you do not have the courage to take risks, you will find it hard to stay competitive and will likely succumb to mediocrity.

Stops After Achieving Success

Success is a continuous journey so it is wrong to stop aiming for more excellence after meeting targets. Highly-successful individuals take care of their accomplishments by consistently finding ways to further improve in their field. Overconfidence may encourage lax behavior that may lead to failure in the end.

There are many other possible reasons that explain why others fail while others succeed. But a quick look at the reasons above reveals the importance of having the right attitude. So work on improving your character and success may chase you everywhere you go.

Leslie WolgamottFoolproof Your Way To Success By Breaking These Habits & Mindsets
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3 Small Joys Every Parent Knows Well

There’s no doubt about it: being a parent is one of the hardest jobs on the planet. Conversely, it’s also one of the most rewarding jobs in the world. When you’re a parent, you’re basically a superhero (even if your cape is actually just your kid draping himself around your neck). So, what are the rewards for all of the extraordinary feats that parents accomplish?

They’re simple and beautiful: they’re the small joys every parent knows well.

When You See Glimpses of Your Parents in Your Kids

It’s easy to see all the ways that your kids look just like you and your spouse. From the moment they’re born, you begin to marvel at the way they have your husband’s nose or your own eyes.

But one of the most wonderful small joys in life comes when you see glimpses of your parents in your kids. It’s not just in the way they look, the way their smile reminds you of your father, or the way their curls fall just like your mother’s. It’s in the way they exhibit the same kindness of spirit that your parents showed you when you were little. It’s in the way that they’re thoughtful and patient just like their grandmother.

There are thousands of glimpses like this over a lifetime. Don’t miss out on them. Pay attention to all of the little things about your kids, and you’ll be rewarded by the incredible continuing nature and beauty of humanity.

When Your Kids Seem to Know You Better Than You Know Yourself

Kids are some of the most observant people you’ll ever encounter. They’re always listening, always looking, always taking the world in. Bit by bit, they begin to paint a vivid picture for themselves of who you are as a parent to them. The picture is fuzzy at first, but in time, it becomes as clear as day.

You’ll know that they have you figured out in the most jaw-dropping ways. One day, you’ll slip up and forget what you were saying or doing—and your kids will step in and fill in the blanks for you. Take that small joy for what it is: a tiny miracle.

Your kids are always looking up to you, and in those moments, they’re truly looking out for you.

When You Realize that Your Kids Don’t Need Help Doing [Insert Here]

This realization is a mixed blessing. If we all could, we’d keep our kids young, free, and safe forever. But, sadly, that’s not how time—or life—works. Time marches on, and life opens all kids up to less-than-pleasant possibilities.

If you’ve done your job as a parent well, though, this won’t matter quite so much. Your kids will be prepared to face any of the challenges life throws at them. That’s why it’s so important to recognize all of the moments when your kids don’t need help doing [insert task here, whatever that task may be: cutting their meat, riding a bike, writing a letter, getting a job; the list goes on].

That list doesn’t go on forever, unfortunately. There will come a day when you witness the last small joy of parenthood: when your kids become parents themselves. Luckily, all that means is that you get to start reliving those joys as a grandparent.

That’s the beauty of life: the small joys are endless.

Leslie Wolgamott3 Small Joys Every Parent Knows Well
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Surprising Keys to Being a Successful Mentor

No one is a successful mentor right out of the gate. Like anything else worth doing, being a successful mentor takes time, dedication, and sticktoitiveness. It also takes a little know-how, which is why it’s important to read up on all of the keys to being a successful mentor.

Some of the keys might surprise you. If you’ve never mentored anyone before (and even if you have), they might even go against your natural instincts as a leader. Regardless, these keys to success are tried and true methods for fostering and growing a deeply impactful mentor-mentee relationship.

Share Your Failures as Much as Your Successes

It’s always uncomfortable to talk about failure, and it’s especially counterintuitive when you’re a mentor. But, if you want to be the best mentor you can possibly be, you have to push past that awkwardness.

Think about all of the most influential people in your life. Were they perfect? Probably not by any stretch of the imagination. Even still, they were great mentors—not because they were flawless, but because they did amazing things in spite of their fallibility.

Letting your mentor in on your failures will help them to better see themselves in your successes.

Understand Where Your Mentee is Coming From

…And where they want to go.

One of the most important tasks that mentors take on is meeting their mentees where they are. If you can’t understand their perspective, then you won’t be able to help them shift it to see new possibilities.

To be the best mentor, you have to understand where your mentee is coming from—as well as where they see themselves heading over the next two to five years. You wouldn’t plan a road trip without knowing what Point A and Point B are, so then why would you enter into a mentorship situation without having a similar plan and understanding?

Listen to Learn

In order to get to that point of understanding, though, you need to listen. Unfortunately, most people listen to respond, instead of listening to learn.

As a mentor, you have to be willing and able to listen to your mentee and really hear them. Try as hard as you can not to filter their words through your own experience—and who knows? Maybe you’ll learn a thing or two from them about life.

Again, the most successful mentors are those that aren’t afraid to expose their failures, understand where their mentees are coming from, and listen to gain that understanding.

Leslie WolgamottSurprising Keys to Being a Successful Mentor
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