Energy Vampires and How They Suck Your Vital Energy

Did you know that your success and happiness can be strongly affected by some special kind of people called Energy Vampires?

Unfortunately this is true.

People who are around you, including parents and other family members like siblings, in-laws, friends, classmates, colleagues, competitors, etc, can be very important in your life.

These people can help and support you a lot.

But they can also take you down and ruin your life and future.

There are usually some negative people who are also known as energy vampires around anybody.

They can have negative and horrible roles in your life.

They can easily ruin your life.

But the good news is they can do it only when you allow them to.

Why Did I Write About Energy Vampires?

Energy VampiresThe first reason is that like anybody in this world I have been suffering from energy vampires’ negative behaviors in different stages of my personal and business lives.

The good thing with me is that I learned in the early stages of my life that I had to welcome the supportive and positive people and ignore the negative ones.

This is what most people never learn.

Many people learn it when it is too late and they have already missed so many opportunities because of the energy they allowed the energy vampires to suck.

Therefore, I decided to write an article and awaken those who still don’t know what to do against these strange creatures.

Energy Vampires Victims

Greta GarboI was reading about some celebrities.

One of them attracted my attention more than the others.

The article was about an actress, Greta Garbo, who retired early and when she was only 36.

She could still be one of the top ones for several more years.

The reason she decided to retire early was just a “negative review” that she took to heart.

After reading about her, I decided to write an article on this topic as soon as possible.

In my article, I have tried to help you not to close the success doors on yourself just because some sick and jealous people cannot see you climbing the success ladder.

They usually don’t kick you down physically.

Through their negative words, they can make you stop climbing or even jump off, even when you have only a few steps to achieve your dreams.

You are always at the risk of being affected by these people.

Maybe you have already got hurt by them before.

I hope this post doesn’t reach you when it is too late.

Of course, any moment is the right time to start from scratch and recover what you have lost.

First, Know Yourself Properly

Negative people can hurt us only when we underestimate ourselves.

I am sure that most of you still don’t know how unique, outstanding, valuable, energetic, strong, amazing, creative and talented you are.

Most of us have learned to see our weaknesses only.

Maybe you…

– Are not good in math or literature and you have not been able to finish the school or go to college or university.
– Don’t look as good and handsome as the Hollywood celebrities, or you have got bankrupt a couple of times.
– Are not a good writer and you have problems even in writing a short email, or you are not articulate and cannot express what you have in your mind properly.
– Are not handy and you cannot even cut the backyard grass on your own…

Many of these can be true about you, but what you cannot do or you are not good at, is not all of you.

You are beyond these things.

The things you cannot do are not important, but you can learn how to do them if you want.

There are too many things that you can do, or you are potentially able to do.

Your mind is even bigger than everything we have in the universe, and just you alone is more valuable than all the stars and planets.

Do You Know Why?

Because you are a human and your abilities and capacities are literally “unlimited”, no matter if there are a few things that you cannot do properly for now.

So you are big and glorious, even if you have no money in your pocket, or you have filed bankruptcy for a few times so far.

These are not just some positive words to make you happy.

They are nothing but reality.

Many of those who underestimate themselves and found themselves broke, have become able to do great things and make the impossible possible the moment they decided to.

They changed their lives when they forgot about their weaknesses and focused on their powers.

I can give you so many examples.

If you know yourself, then no negative words from energy vampires can affect you.

Just Ignore…

If someone says “you cannot be a good actor, because you have accent”, you should ignore him, because you know that there are so many who had accent and became great actors at the same time.

On the other hand, when you are serious to become a good actor, your accent cannot stop you and cannot be known as an obstacle.

This is what you have to know and believe.

You have to learn to focus on your goals, and ignore the other things.

This is what Greta Garbo was not able to do, because although she had been doing great and she had so many fans, some rave reviews made her leave her job too early.

She paid lots of attention to some negative words by a few negative people and energy vampires.

But she ignored thousands or even millions of her fans, and the great things she had achieved.

This is insane…

She really didn’t have any problems.

Her only problem was that she didn’t know enough about herself.

She didn’t believe in her abilities and achievements.

Arnold Schwarzenegger

Arnold SchwarzeneggerUnlike Greta Garbo, Arnold Schwarzenegger was strong and smart enough to defeat all his opponents and achieve the things that most people cannot even imagine.

He was used to hear the negative words, maybe even thousands of times more than Greta Garbo.

Arnold started getting out of the crowd when there was a lot more competition compared to the time that Greta Garbo was working in Hollywood.

Greta Garbo was Swedish but many of her films were silent.

It means nobody heard her voice, and so her accent wasn’t a problem.

Some reviewers started nagging about her accent only when she started playing in talkie films.

Like Greta Garbo, Arnold Schwarzenegger also had the accent problem because he is Austrian.

But unlike Greta Garbo, he had this problem from the first time he played a role in a film.

In spite of this, he paid no attention to this problem at all.

These are the negative things Arnold has been used to hear from energy vampires:

  1. You are nothing but a mass of muscles.
  2. Your account is terrible.
  3. Schwarzenegger is such a strange and ridiculous last name.
  4. A stranger with so many problems cannot have a place anywhere in USA’s cinema, business or government.

Arnold #1 Rule of Success

These problems could not stop him from becoming a great actor, nor from becoming a governor which is something that even most Americans cannot achieve.

The reason is that his #1 rule of success is “Trust Yourself” according to himself.

Greta Garbo took the reviews and negative points to her heart.

She did it most probably because she didn’t trust herself and thought that the reviewers were right.

But Arnold Schwarzenegger paid no attention to the energy vampires, because he trusted himself, and so problems like accent looked negligible to him.

This was the difference of Greta Garbo and Arnold Schwarzenegger.

No Problem Is Big Enough to Stop Us

A problem can stop you only when you see it too big and you believe it as a problem and deficiency in yourself.

We are the ones who make our own problems big.

They are not big in reality.

No problem is big enough to stop you.

You are greater than what you can even imagine, no matter who you are, where you live, what you do, how much money you have, or how educated you are.

You can be great and do great things as soon as you want to.

So, if you believe in yourself and your values and you trust yourself as Arnold says, energy vampires cannot suck your energy and take you down.

You simply laugh at what they say and you keep on advancing.

You know that most of the things they say are not true.

Some of the things that can be true are not important at all.

Besides, you can always improve yourself and become a better person.

You can resolve many of the serious problems, or if you cannot, you can strengthen your other abilities to cover your weaknesses.

So there is no point to listen to them and take their words to your heart.

When You Trust Yourself

When you trust yourself and know your values, you don’t spend even one second to follow what negative people and energy vampires say.

Energy vampires are literally sick and there are so many important things missing in their lives, and that is why they talk negative.

So it doesn’t make sense for you to follow what these people say.

You should know that what they say comes from an inner problem.

So, it doesn’t make sense to listen to them.

When someone has a dangerous virus, he/she can transmit it to you.

You cannot get a bad virus from a healthy person.

Therefore, as a healthy person who wants to stay away from diseases, you have to stay away from someone who has a bad virus.

Or, at least be careful when you have to be in touch with him/her somehow.

Similarly, to stay away from negative words, you have to stay away from the energy vampires who tell you the negative words.

 Ignore Energy VampireYou are healthy and you have to maintain your health.

Energy vampires are sick and you have to stay away from them and not follow what they say.

If there is someone an energy vampire at the same place you live, be it your parents, siblings, or your spouse, and you have no option but living with him/her at least for now, just be nice and kind to him/her but don’t pay any attention to his/her negative words and behaviors.

I know it is not easy sometimes, but you can do it if you want.

You can laugh at him/her in your mind and have fun.

Be patient but keep thinking about leaving or moving to another place as soon as possible.

Who Are Energy Vampires And Why They Are Like That?

They are humans like you and me, but unfortunately they have problems.

Like someone who has an infectious disease caused by a dangerous germ, energy vampires have something harmful inside which has affected them badly.

They are hurt for some reason, and have not been able to handle and fix the damage.

They need help definitely but unfortunately in most cases they don’t receive it from the others, nor they think about helping themselves.

Someone who is full of positive energy cannot hide it from others.

He talks and acts positive.

He supports the others and gives positive energy to anybody he meets or talks to.

But someone who has lost his energy, has nothing positive to give the others.

There is something missing inside him that he tries to have it back, but he doesn’t know the right way of doing it.

He does it through hurting the others and sucking their positive energy mainly by saying negative words.

Things like you…

  • can’t do anything right.
  • are ugly.
  • don’t look good.
  • are not smart and qualified enough to do it.
  • are stupid and weak.
  • can’t achieve your dreams.


  • There are so many who are much better than you.
  • I hate you…

Hearing the above words makes you lose your energy, enthusiasm and creativity.

In most cases, people take them to heart, like what Greta Garbo did.

These negative words are even more harmful and fatal when heard from close relatives like parents.

Unfortunately so many close relatives does this to their beloved ones.

They are hurt; they hurt the others but they don’t know it.

You can easily leave the school or quit the job you love because of the negative words of these people.

This is the worst thing you can do to yourself.

How To Deal With Energy Vampires

Don’t ever try to change an energy vampire, because you cannot and chances are he hurts you more when you try to help him.

Just ignore, forgive and forget.

Keep the distance as much as possible.

If you can’t, just don’t take their words to heart.

Smile as if you are listening to a joke.

You are what you are.

Negative words cannot change the reality.

You are the one who can hurt yourself by listening to negative words and taking them to your heart.

Sometimes, thousands of people talk against you but you are not aware of it.

So you do your things normally and happily in this case.

But just something that one of them says against you, can easily hurt you when you hear about it.

Still nothing is changed in you.

You just heard some negative words that were used to be said against you while you didn’t know.

The difference is, you didn’t know it before; but you know it now.

You are still the same person anyways.

There was/is nothing wrong with you.

The problem is that you have got some negative words to your heart; the negative words that you knew nothing about them before.

Ignore and Let It Go

Instead of taking the negative words to your heart, you could choose a different way:

You could ignore them instantly as if you had never heard them, and then live the way you were used to.

But you choose the other option which is taking the negative words seriously.

So, indeed you are the one who is hurting yourself.

You are injecting the poison into your own vain.

Therefore, everything is under your control.

You are the one who can choose the good or the bad option.

Fight Negativity

You cannot shut peoples’ mouths, nor can you prevent their negative actions and behaviors.

There is no control on them from your side.

But you have full control on yourself.

You can spend your life listening and following what your enemies say against you.

But you will get hurt and feel broke if you do that.

There is another option which is much easier to follow: Don’t give them a damn as if they don’t exist at all.

The more successful you get, the more enemies you will have.

This is normal.

You will be stopped at the middle of the way of success and prosperity as soon as you spend your time following what your enemies say against you.

You can be more successful every day if you keep on focusing on your life and job and enjoying your moments.

So everything is under your control.

What Will Happen To Energy Vampires Finally?

They get worse every day.

As they spend their time and energy on negativity, they cannot do something positive and important for themselves.

So their lives will not be good.

They try to heal their wounds via wounding the others, but they get worse the more they do it.

They usually don’t have anything against you.

You should not take it personal.

You or someone else doesn’t make any difference for them.

They just want to hurt someone to soothe their own pains.

Just ignore and forget, and be focused on what you like and enjoy.

You are greater than getting hurt by a bunch of negative words.

You get hurt only when you want to.

Internet Trolls

Internet TrollsSome energy vampires make money through spreading negativity against the others.

This is very common on the internet.

It is very easy to gather some gadflies around a website through publishing gossip against those who are doing good (like celebrities).

Whereas it takes more time and energy to create a community of healthy and positive people.

The reason is that the smell of the crap that the energy vampires publish on their websites can only attract gadflies who enjoy negativity.

Their soul can only be fed by negativity.

They start following those websites as soon as they find them, because they need those websites to empty their inner pressure by reading and saying negative words against others.

This makes traffic and money for the energy vampires’ websites.

This is what they want and is the easiest way for such incompetent people to make money over the internet.

They get more encouraged to focus on negativity when they see that their negative posts and pages receive lots of attention and comments from people like themselves.

But nobody gives a damn to their other posts and articles because there is nothing invaluable in them.

So they prefer to stay focused on negativity.

Positive and Healthy People Never Follow the Internet Trolls’ Websites

Healthy and Positive PeopleYou have to work too hard to attract the trust of the healthy and positive people.

They don’t spend their valuable time on any website they stumble upon.

They have to see value and truth in your words, otherwise they won’t trust you.

Your expertise and professionalism makes them subscribe to your newsletter.

They leave your site and will never be back as soon as they see no value in your words

You can’t waste their time on negativity and gossip.

It is too hard to create a community of healthy and competent people.

But such a community is priceless, and it becomes more valuable over time.

One can make money faster and easier if he focuses on negativity and gossip against others.

But he is a losers in long term, because he can never go beyond a certain level.

All he will have is a herd of sick, jealous, depressed, broke, failed, torpid and useless people gathered around his website.

He goes lower every day while he is accompanied by his followers who are all like himself.

What to Do with the Internet Energy Vampires or Internet Trolls

In most cases, this is what you must do against the internet energy vampires too: Ignore and Forget!

Chances are you become famous somehow and you attract the attention of the Internet energy vampires and they publish negative words against you.

First of all, you should never spend even one second to read what they say.

Your time is more valuable than being spent on this.

However, if you accidentally got faced with their sites, you just ignore and leave immediately while you hold nothing in your mind and heart.

You must really ignore and forget otherwise you hurt yourself.

In case some of these people leave negative comments on your website or your FaceBook page, you just (1) delete, (2) block, and (3) forget.

You have to keep your site and pages clean for healthy people.

You cannot let infected people get in and transmit the germs to others.

It Is up to You Which Option to Choose:

You can be like Arnold Schwarzenegger and pay no attention to negativity and climb the ladder of success.

Or you can be like Greta Garbo who allowed sick people to hurt her.

What others say about you doesn’t change anything.

You get hurt only when you take their words to heart.

Keep in mind that internet trolls and other kinds of energy vampires are broke and miserable, otherwise they would spend their time on good and positive things.

Most of them are not even man enough to reveal their real name, identity and location on their websites and blogs.

Nobody knows who is behind their sites.

They either have no “About” page on their sites, or even if they do, there is nothing about the site owner(s) or admin(s) on it.


Because they know they are making money by spreading gossips against others.

This makes them feel scared and unsafe.

A healthy person must do nothing but ignoring them and getting more focused on positivity.

Energy vampires are always doomed.

The Billionaire Mindset That Everybody Must Have

It is the billionaire mindset that makes the billionaires different from others.

It is not just their “Money”.

Indeed, money is the last thing which is different between ordinary people and the billionaires.

When you think money is the only thing which is different, it means if you take a billionaire’s money and wealth, then he will be someone like you.



In order to become a billionaire, you will have to have so many characteristics.

The Billionaire MindsetMoney is the byproduct of the characteristics that a billionaire has.

So, when I say “billionaires”, I am not talking about their wealth.

I am talking about their mentality and characteristics, or I’d better to say their mindset.

Maybe you say you don’t want to become a billionaire, or even a millionaire, and you just want to have a happy life.

This is also good.

I don’t say that having lots of money makes you happy and prosperous.

It is not the money that makes a great life for you.

But it is the mentality and the mindset that makes you happy and prosperous.

Maybe money has never been your main goal in your life.

But having a billionaire mindset is what you should get at whatever it takes, even if you don’t want to become a billionaire.


Because it is something that makes you different from others.

It makes the world look different to you.

Even if you don’t want to become a millionaire or billionaire, it is great to have the personality and mentality of a millionaire or billionaire.

If so, you will enjoy your life more, even if you don’t make any money, or you give away all the money you make.

What Is the Billionaire Mindset?

Would you like to know how billionaires look at the world, and how they think and decide?

You will enjoy your life more, and you will have less problems, if you copy these people.

Money also comes if you learn how to think and act like a billionaire.

Here is the 14 important factors of the billionaire mindset:

  1. Thinking Deeply and Deciding Wisely
  2. Learning from Their Mistakes
  3. Associating with Successful and Positive People
  4. Being Aware That You Don’t Know Everything
  5. Saving Your Money and Making More Money from It
  6. Independency
  7. Being Super-Active
  8. Having Big Goals
  9. Dividing the Big Projects into Small Stages
  10. Programing Your Minds Toward Success
  11. Forecasting the Obstacles and Problems
  12. Looking at the Problems as Opportunities
  13. Having Faith on Themselves and Their Abilities
  14. Never Give Up

1. Billionaires Think Deeply and Decide Wisely

Billionaires Think Deeply and Decide WiselyMaking a proper decision is one of the most important part of having a billionaire mindset.

Maybe, many of the billionaires have learned this after making several mistakes.

The smartest ones learn this from the others’ experiences.

You can save lots of time, if you don’t experience yourself, and use the others experiences.

The wise learns from the others’ mistakes; the fool learns from his own… if he learns at all.

How do you make the important decisions?

Do you think enough?

Do you consult with those who have experiences in the same subject?

Or, you are among those who don’t pay any attention to the others’ knowledge and experience, and you do whatever you decide without thinking and analyzing properly?

It is very easy to have a billionaire mindset about this.

Do it and eliminate one of the differences you have with the billionaires.

Make wise decisions, and shorten the distance between yourself and the intelligent wealthy people.


It is very easy.

Don’t decide quickly.

Whenever you want to do something, think twice and ask for the others’ opinion, and then do it.

After a while, you will get used to making wise decisions.

It becomes a habit, and it takes you one step closer to the billionaire mindset.

Keep in mind that two groups are miserable: (1) those who don’t listen to anybody, and (2) those who listen to everybody.

2. Billionaires Learn from Their Mistakes

Everybody makes mistakes, but most people repeat the same mistakes over and over, and expect different results. This is insane.

Insanity: doing the same thing over and over again and expecting different results.” — Albert Einstein

Billionaires make mistakes too, but the difference is, whenever they make a mistake, they sit, analyze and learn the lessons.

Therefore, they not only won’t make the same mistake again, and so, they save lots of time and money, but also, in the other things they want to do, they use the lessons they have learned.

As a human-being, you also make mistakes.

But the question is whether you learn from your mistakes, and you don’t repeat them again, or you repeat the same mistakes every now and then.

Billionaires Learn from Their MistakesDon’t blame yourself when you make a mistake.

Instead, learn the lessons properly.

Mistakes are opportunities to become more knowledgeable and experienced.

They are not to blame yourself.

In each stage of your life and business, you make some mistakes, you learn the lessons, and you advance to a higher level.

Then you will make some mistakes again… and this process has to be continued to make you better and better gradually.

However, you should learn from your inevitable mistakes, otherwise you will remain the same person forever.

The way to success has so many ups and downs.

In every step, your mistakes show you the way.

They guide you toward the right way that ends to success.

So, learn the lessons each time you make a mistake.

This is an important part of having a  billionaire mindset.

3. Billionaires Associate with Successful and Positive People

Billionaires are always in touch with successful people who have positive minds and give positive energy to others.

Even if they are not in touch with these people directly, they read, hear, think and write about them a lot.

They read the success story of the successful people, and this causes them to attract the energy they need to move toward success.

It also helps them to build the same billionaire mindset that those successful people have in their minds.

“You are the average of the five people you spend the most time with.” — Jim Rohn

According to the above quote, if you spend your time with losers, then, the same problems, mistakes, bad events, and the same destiny they had, will show up in your life somehow.

This is so true.

If you walk toward sun, you will be in light.

If you take the opposite direction, you will head to the darkness.

Successful people deal with positive and successful people. Losers deal with losers.

Make your life and your mind busy with successful and positive people.

Avoid losers and those who focus on negativity.

If you like to help the poor, choose those who will use your money and support, to become successful and useful, not those who avoid working and efforting.

Spread the positive energy you take from the positive people, and you will have more positive energy every second.

Associate with positive and successful people, and get one more step closer to having a billionaire mindset.

4. Billionaires Are Aware That They Don’t Know Everything

Have you noted that the more stupid a person is, the more he thinks he knows more than the others?

He believes he knows everything, and anything he says is correct.

He talks more than everybody and claims he can manage the world.

But when you ask him why such a talented person is so poor and failed, he answers, “bad luck!” 😀

Billionaires have a different mentality.

While they think they can do everything they decide, and everything is possible for them, they believe they don’t know everything and they have to educate themselves and learn all the time, and ask for the experts’ opinions.

They believe in teamwork, because they know that they can’t do everything alone.

Unsuccessful people talk a lot, but they don’t take any actions, whereas, successful people spend their time on working and doing positive things.

Instead of talking, those who want to become successful, have to start learning, experiencing and taking proper actions toward their goals.

They have to learn to take risks when necessary.

This is the big difference of billionaires with losers.

Billionaires take actions and are not afraid of taking risks, whereas losers only talk, but they are afraid of taking actions and risks.

What is the result?

While billionaires take so many steps toward becoming more successful, losers keep talking and remain at the same level, if not going lower.

So, stop talking.

“Work hard in silence, let your success be your noise.” — Frank Ocean.

Start learning and acting.

If so, you will be one more step closer to the billionaires’ way of thinking, behavior and their billionaire mindset.

5. Billionaires Save Their Money and Make More Money from It

The Rich Get Richer.

The rich get richer.

Although they have to handle losses sometimes.

But they not only take care of their hard-earned money, they also hedge and secure it, and make more money from their money.

They also know how and when to take risks and make more money.

Unlike billionaires, mediocre and poor people are used to spend a lot.

They don’t spend their money to make more money and secure their wealth.

They waste it so easily.

You have to learn how to manage your wealth.

It doesn’t matter if you have a low income now.

Work toward increasing your income, and then save and secure your money to make more money.

You are not going to work forever.

You have to stop one day.

If you learn how to manage your money, you can retire while you are still young and you can enjoy the rest of your life.

This is all up to you and your ability to manage your life and wealth.

Become wiser in making and spending your money and learn how to increase the value of your wealth, and become one more step closer to billionaires who have mastered the money and wealth management.

Maybe your billionaire mindset won’t make you a billionaire.

But it can make a happier life for you and make your richer.

6. Billionaires Are Independent

Billionaires Are IndependentBillionaires associate with successful people.

They also consult with experts, and believe in teamwork.

But, they are 100% independent.

It means they don’t cling to people and things.

Their business isn’t dependent on any special person, or product.

They manage their business in the way that it keeps moving if a key person leaves or a product gets banned by the government or consumers.

When you are dependent on someone, you will fall down when he leaves.

It is like when you put all your eggs in one basket.

You lose all your eggs if you drop the basket.

Billionaires build and manage strong teams, but neither their business, nor themselves, are dependent on any special person.

That is not all.

They manage their business in a way that it works even without the them.

Can you believe that?

Are you like that, or you are dependent or codependent?

Did you know that when you are dependent on someone or something, he/she/it can manage you and your life very easily, and you will be down when you lose him/her/it?

Did you know that if you depend on someone, your happiness will be dependent on him or her too?

“If you want to live a happy life, tie it to a goal, not to people or things.” — Albert Einstein

Do you see what Einstein says?

That quote isn’t by an ordinary and mediocre person.

It is by Albert Einstein.

If you tie your life to a goal, it is always there waiting for you to achieve it.

It never leaves you alone.

Your goal never betrays you.

It always gives you energy and enthusiasm to live, work and be happy.

It motivates you and makes you a different and better person every day.

So, don’t be dependent, and tie your life to a goal, if you want to live a happy life.

When you have such a billionaire mindset, you will be one more step closer to billionaires.

7. Billionaires Are Super-Active

Billionaires Are Super-ActiveThey are brave enough to start.

They take risks.

At the same time, they work hard when necessary and believe nothing can be compared to hard-work.

If you like to achieve your dreams, you have to have such a billionaire mindset, and you have to work hard.

It doesn’t matter if you make a mistake and everything you have done, goes down the drain.

You learn lots of things and then you will start from scratch.

You repeat this until you succeed.

Be a too strong hard-working person, and get another step closer to having a billionaire mindset.

8. Billionaires Have Big Goals

Billionaires Have Big GoalsYou are what you think.

If your goals and dreams are small, or if you are happy with the least, then you will remain a small person for good.

It is free to have big dreams.

You don’t pay for your dreams.

Your dreams can be as big as possible.

Did you know that anything that we can dream is possible?

If we can dream something, then it is possible to achieve it in reality.

So, why are you afraid of having big dreams?

The bigger your goals are, the harder you will have to work to achieve them.

And, the harder you work, the luckier you get, and you will finally achieve your dreams.

When your goals are small, you don’t spend enough energy to achieve them.

So, it is possible that you never reach even your small goals.

But, when they are big, you spend lots of time and energy to reach them, and you achieve lots of small things while you are on your way toward your big dreams and goals.

“Shoot for the moon. Even if you miss, you’ll land among the stars.” — Norman Vincent Peale

Do you think it is impossible to become a billionaire?

That is a stupid mindset, because nobody comes to this world while he/she is already a billionaire.

They work and make it happen.

Why you think it is possible for them, but not for you?

They had nothing more when they started.

They just had big goals and dreams to follow.

This is what you can do too.

Nobody charges you for having big dreams.

So, start having big dreams.

Just have them in your mind.

Think about them.

And, take lots of actions.

This is exactly the billionaire mindset: Having big dreams and goals, and taking lots of actions…

9. Billionaires Divide the Big Projects into Small Stages

Billionaires Divide the Big Projects into Small StagesHaving a proper and well-organized plan and dividing big jobs into smaller stages, is what everybody who likes to succeed, must learn.

Billionaires are good project managers.

They know where to start and what stages they have to pass, to complete a job.

They start from the very first stage, and reach the last one.

I have seen so many who have big and good goals, but instead of preparing the foundation and starting from the first stage, they start from the middle or the last.

It is like building a big house, but instead of buying the land, first you buy the doors and windows.

Such a house will never be built.

So learn to program and plan and start from the first step.

What is the first step you have to pass, if you want to become a physician, pilot, engineer, and…?

What is the first step if you want to become a billionaire?

I tell you: first, you have to start dreaming it 🙂

10. Billionaires Program Their Minds Toward Success

Billionaires Program Their Minds Toward SuccessYour mind and your subconscious, rule your life.

If you learn how to program your subconscious to achieving big dreams, then you will reach them.

I don’t know how, but you will achieve them.

Your subconscious finds a way to do it.

It does what you want.

If you want to have a happy life, it makes a happy life for you.

If you focus your mind on negativity, it attracts negativity to you and your life.

Like so many other great things, it is free to program your subconscious.

Nobody charges you for it.

It is the best free thing you have in your life.

If you learn how to use it to attract the good things, you will have everything you want to have.

And, it is very easy to learn this.

Just think about the good things, beautiful dreams and wishes, big and brilliant goals.

They all come to your life somehow, and from the way you can never imagine.

Before you become a billionaire in reality, you have to have a billionaire mindset.

Are you mentally a billionaire?

If yes, then you will become a billionaire in reality very sooner than later 🙂

Keep in mind that while you focus on your dreams in your mind, you should take proper actions too.

Dreaming and wanting are not enough.

You have to take actions.

11. Billionaires Forecast the Obstacles and Problems

You don’t have a billionaire mindset as long as you are not strong enough to deal with problems properly.

Obstacles and problems are nothing to stop the billionaires.

Billionaires are always prepared to face them.

It is normal to be faced with problems along the way.

Problems are the important part of any game.

You should learn how to face and resolve them.

You should not run away from them.

Sometimes a problem can take lots of time to be resolved.

But, it is worth to do it and advance to the next stage.

Get used to deal with problems, and learn how to resolve them the easy way.

Don’t make the problems more complicated.

Just simplify and resolve them.

12. Billionaires Look at the Problems as Opportunities

Problems are opportunities to (1) learn new things, and (2) become stronger.

You need both to reach your destination.

You need to learn new things an know a lot more than what you know now.

At the same time, you need to be stronger to complete the next stages toward achieving your goals.

And, you can achieve this only when you face the problems and resolve them.

So, problems are not bad and disgusting.

They are good opportunities to gain lots of good things.

You will never be the same person after resolving a problem.

You will be stronger, wiser and more experienced.

Those who have a billionaire mindset, are good problem solvers.

13. Billionaires Have Faith on Themselves and Their Abilities

Billionaires know that they can achieve everything they want.

They know no limit for their abilities.

This is the result of the proper programming of their subconscious.

They believe they can do everything, and they really do everything they want to.

You are like them too.

You can do everything you want to.

The difference is that you think you can’t.

This is just an illusion.

It is not true, but it can prevent you from taking big steps.

When you believe you can’t, you can’t, and so, you don’t take any actions.

“Whether you think you can, or you think you can’t, you are right.” — Henry Ford

So, everything depends on your mentality.

It is your thoughts that make your life.

You are what you think.

You have to start from your mind.

That is the very first step.

Then you have to take actions accordingly.

14. Billionaires Never Give Up

Billionaires Never Give UpYou fail only when you give up.

“Our greatest weakness lies in giving up. The most certain way to succeed is always to try just one more time.” — Thomas A. Edison

Have you ever given up on something?

If yes, then never give up from now on.

You either find a way, or you build a way.

There is no point to stop.

You have to keep going.

The good results will come sooner than what you expect, if you keep on working, and if you don’t give up.

Billionaires never give up.

Giving up has no place and definition in the billionaire mindset.

They wouldn’t be billionaires if they were used to give up.

The worst kind of giving up is when you give up on yourself.

When you give up on yourself, you give up on your family, goals, purpose, future… you give up on your future success…

You cannot give up on yourself.

You have to fight…

Be strong and keep going.


Do you think you have the billionaire mindset?

It is not that hard to have all the above 14 characteristics.

Many of them depend on your mind and mentality.

They are free, but valuable and priceless.

Even if you don’t want to become rich, millionaire or billionaire, having a billionaire mindset will make a better life for you.

The Most Successful Small Business Ideas that Work

I am sure you must be on a look out for that ultimate idea or the most successful small business ideas, if you are a relatively new entrepreneur.

The reason I mention small business is because, for a relatively new industry player or an entrepreneur, it is much easier to start off a business at a relatively lower scale.

It helps them have better leeway and the relative pressure on them to work out resources is also much lesser.

Additionally, most times we see a small business has better potential to turn profitable in a short while.

This is important because, for small players, they do not have the tenacity to continue for a long haul without any reward.

Rather it is a tough ask for them.

This is exactly why I decided to create a list of most successful small business ideas.

They are not just easy to implement, need relatively a lot fewer resources.

They also have the capability to turn profitable in a short while.

My list will no doubt help you start a business that addresses your interest and passion.

It also yields a profitable source of sustenance too.

A small business is a business that has less than 500 employees.

Therefore, even if you have a factory or company with 400 employees, your business is categorized as a small business.

What Are the Most Successful Small Business Ideas?

Here is the list of the most successful small business ideas that work and make money:

  1. Career Coaching
  2. Handicrafts Using Waste Material
  3. Event Planning
  4. Home Based Catering
  5. Daycare Centers around Home
  6. Maintaining Yards
  7. Odd Job or Errand Service
  8. Computer Servicing
  9. Providing Cleaning and Facilitation Services
  10. Consultants For Energy Efficient Homes/Office
  11. Day Care Centre for Dogs
  12. Moving & Packing Business or Moving Company
  13. Content Writing
  14. Telephone Marketing
  15. Organizer
  16. Virtual Assistant
  17. Remote Bookkeeper
  18. Language Translator
  19. Social Media Consultant
  20. Health Insurance Consultant
  21. Create an Online Store

1. Career Coaching

Career CoachingThis is among the most successful small business ideas.

Career coaching has been a much sought after profession by many, especially for those who have the passion for teaching.

You are able to address a wide range and age group of people who could be looking as some kind of coaching for their career.

From fresher looking for guidance before starting a new career or choosing one to relatively older professionals looking for a career change, the possibilities are innumerable.

Additionally, you can help clients better prepare for interviews, improve the presentation in their resume and help them take on interviews with a lot more confidence.

You can always make money through career coaching as one of the most successful small business ideas.

But keep in mind that you have to work hard while it is very difficult to expand the business.

In other word, it is not a scalable business if you don’t use the power of the Internet and the Data Technology.

It can only be a small business that can have a constant amount of income if you succeed to take it off the ground.

2. Handicrafts Using Waste Material

Handicrafts Using Waste MaterialWhen we are looking for most successful small business ideas, the fact is they always do not have to be resource heavy.

Have you ever considered the trash that is lying around in your house like old CDs or perhaps wooden boxes or even worn out shoes?

The fact is all of these materials can very well turn into profitable business ideas.

If you look at sites like Etsy, you would notice that a significant number of people are making a successful career out of it.

Moreover, this type of business model is not very resource heavy either.

You can start it off quite simply using the available alternatives at home.

Given the low cost involved in starting the business, the relative returns are also significantly higher.

Entrepreneurs find it much easier to retail this kind of stuff as well.

Even a simple online presence through an FB page is more than sufficient to create a stir and rustle up the desired response from buyers locally as well as globally.

Please note that although such a business works and can make money, it is known as a survival business, not a job that you can rely on it for good.

It is hardly expandable and you can not easily scalable it.

Keep reading. I will refer you to the businesses that have everything you need to be successful and financially free.

3. Event Planning

Event PlanningThis is by far one of the most successful small business ideas to follow.

If you love throwing parties and organizing meetings, then this could be a very profitable alternative.

Whether someone is getting married or wants to throw a baby shower party or even undertake a corporate meeting, there is no dearth of opportunity to make a strong business proposition.

In fact, according to the US Statistics department, there is a whopping 44% growth in meetings, conventions and event planning.

This means that the business opportunity for those interested is relatively much higher and can yield a lot more promising profit.

The quest for churning out a unique presentation makes event planning an incredibly successful business option.

The challenge here is not how many resources you can generate but rather how interesting you can make the event in comparison to peers.

That is dependent more on the kind of concept you have and depth of your understanding on any issue.

Additionally, it also highlights your keen need to develop an understanding of the client’s exact need.

This is what differentiates the most successful event planners from the rest.

4. Home Based Catering

Home Based CateringAnother popular option that’s also one of the most successful small business ideas is home based catering.

If you have a knack for cooking and have a passion for great food, this is no doubt an interesting way to make it a profitable option.

Home based catering services are highly in demand and work as a very efficient formula for small events and particularly low scale or low budget gatherings.

They also need a relatively low scale of resources to start with and anyone with even a small amount of fund and passion and go ahead with it.

However, they are among the hardest business to maintain and promote, and are struggling business by nature.

You can hardly expand such a business to increase your income.

It also doesn’t leave you any free time to enjoy your life.

5. Day Care Centers around Home

Day Care Centers around HomeWhen you are looking around for ideas to start a small business, there are some obvious options that you often miss out on.

One such is the day care centers. If you think about it and look around, there is often a serious dearth of quality day care centers with a home-like touch.

Most daycare centers are either rather large organizations or inefficiently run alternatives.

In that comparison, the home based day cares can be a great option.

If you like kids and can gain basic professional training along with the necessary licenses required, you can easily start off a day care centre at home.

Often just the large drawing room in your house or one of the bedrooms can be easily converted into a daycare facility.

It can often become a great option for working parents looking out for a home like day care centers for their kids.

Also in terms of a business proposition, this is one of those high margin options that require rather small resources to start off operations initially.

Additionally, the day care centers can also be scaled up in terms of providing additional facilities and training for the kids attending.

However, you have to be too careful about the legal problems it can have.

You have to get the permits and be aware that you can always get sued by one of the parents.

I believe this is not the business that is worth the headache and stress.

It is also very limited because you can’t take care of an unlimited number of kids.

6. Maintaining Yards

Maintaining YardsIn our busy life, the possibilities for the most successful small businesses are huge.

The question is whether you have the vision to see it.

Think about it; have you thought about the chore that weeding, leaf raking, snow shoveling and such tasks.

Yes, indeed the whole task of maintaining your yard can be a major headache.

Now think about the many others like you who are also dealing with the same problem.

So all you need to do is simply work out an entire system of staff that can go around doing the same set of services for a price.

In this way, you are addressing a demand and meeting it with a unique service opportunity that can create huge profits for you.

This is a good temporary small business for the students or those who have started a new online business and still haven’t made any money through it.

I know a millionaire entrepreneur who has made over $150 million through his online business since 2011.

Before he starts making money through his online business and while he was working to take off the ground, he was used to cover his expenses through lawn moving and maintaining yards.

He collected about 10 clients in the area that he could take care of on his own.

Surely this is not what you can do for good, unless you expand it and hire some workers. But the problem is there is a lot of competition in all areas.

7. Odd Job or Errand Service

Errand ServiceIdentifying the right opportunity is the crux to creating a profitable business proposition.

This is exactly why running an errand service can be a great idea in your tryst towards identifying the most successful small businesses.

There are many small services by paying the electricity bill or taking mails to the post office or even clearing mails or buying grocery.

Sometimes getting someone to do the running around for you can be a great help.

Therefore, you can easily start running an errand service.

Not only is the profit margin relatively high, it is important that you are able to cater to a key demand profile.

Of course, you need to do some market research to identify the kind of service that will generate the right response in your area.

But the point is there are opportunities galore, all you need to do is identify them and go ahead with it.

8. Computer Servicing

Computer ServicingAll of us live in an era that is dominated by technology and computer usage.

But the point is not many ones of us are very well versed with it to properly do justice to the kind of service required.

There is a range of private computer service from the installation of firewall to desktop cleanups to basic device connectivity and adaptation.

All these can be easily addressed if you had a person designated to do computer servicing in your area and who could simply answer a phone call and come home to do the job.

Often most of us would not mind paying the price for getting some work done quickly.

Therefore opening up a computer servicing centre can become one of the most successful small businesses that you could think about.

As a person who has such a ability, you will be a lot more eligible for the data technology systems that enables you make a lot more money that what you can even imagine.

Keep reading.

9. Providing Cleaning and Facilitation Services

Cleaning and Facilitation ServicesCleaning is a popular alternative small business idea that can be so successful.

Not only are you bringing forward a solution to the cleaning needs of many, but also this is one service that does not require a huge amount resource mobility.

You can easily rake up a collection of related equipment, create a team of workers who can deal with floor cleaning, carpet vacuuming or window cleaning and do some local publicity.

You are then ready with your business model.

Many people choose these small cleaning facilities as opposed to bigger institutions as they can offer more competent service at a relatively attractive rate and with minimum hassle.

As a result of this, the opportunities for you, as a service provider, are significantly higher and thereby the relative returns and profit margins are a lot more promising.

You must understand that cleaning is one of the basic services that no one can wish away, and almost everybody would be glad to hire someone for a price if these issues can be handled.

10. Consultants For Energy Efficient Homes/Office

Consultants For Energy Efficient Homes/OfficeWe mentioned earlier that a business opportunity is all about identifying the right niche.

So in your tryst towards identifying the most successful small businesses, it is common knowledge that you have to look for gaps that you could help in filling up.

So, for example, we all look forward to energy efficient homes.

However, most times we are at a loss to identify the right alternative.

How cool would life be if someone could just come and help us with their suggestion and advice?

Well capitalize on it and create a team of consultants for energy efficient outlets.

This is the best way to create a great alternative for raking in profits.

However, compared to the other successful small business ideas like cleaning, it is something that needs knowledge, skill and experience.

I don’t think it is among the easy small businesses to start.

11. Daycare Centre for Dogs

Daycare Centre for DogsA daycare centre for dogs and other pets figure very prominently in the list of the most successful small business ideas.

Perhaps we do not realize it, but the fact is that most of who have pets find it a major challenge to find the appropriate care centre for them.

Be it when you are going to work or when you want to go for a vacation to a destination where you cannot take pets.

You don’t want the pet to be neglected and want a care center that can give them home like warmth.

The solution is quite simple; just turn your backyard into a care home for your pets and for all those who are on a look out for a similar alternative.

Of course, one crucial precondition is that it can be a physically exhausting profession and you must be ready to take up the challenges at all cost come whatever.

Your love for pets and a natural passion for animals is another important precondition.

12. Moving & Packing Business or Moving Company

Moving & Packing Business or Moving CompanyOpening up a movers and packers business also figures quite prominently in the list of most successful small business ideas.

People are moving all the time from city to city, from one locality to another and they are perpetually looking out professional movers and packers who would not charge the moon from them.

You can gently slip into that hole and cater to a key demand area at competitive rates.

When you are operating in your locality, it also means you do not have to invest a lot of money in marketing your services and can benefit a lot from your local network.

As I see, the number of moving companies is going up every day in big cities that attract a lot of immigrants.

So, it has become a too competitive business.

I know some moving companies closely.

Some of them who have been around for over 20 years, make good money, but they have two main problems.

First, they can’t expand the business and make more money.

The income is fixed.

The second problem is that to maintain that fixed income, they have to work 7 days a week.

And of course there is a third problem now which is the competition which is becoming a more serious problem every day.

Although moving as a good small business opportunity has helped thousands to make a living, it doesn’t give you money, time and financial freedom.

13. Content Writing

Content WritingContent writing is another option in the list of the most successful small business ideas.

You can start the business with some very basic resources like a laptop and an internet connection.

You can easily subscribe to some online sites that can help you with job postings and find potential clients who might need your service.

From creating content for websites to brochures to just about any type of literature, you can easily earn huge profit from this type of business.

Content writing these days have become a very popular professional alternative.

14. Telephone Marketing

Telephone MarketingHave you sometimes been annoyed by calls from telemarketers giving you information about various types of product launches and offers?

Well, the fact is while you might not need it, there are many who capitalize a lot from these and companies pay a lot to those willing to take up this job.

Therefore the pay structure of telemarketers can bring in big opportunities for you to clock in sustainable gains with basic resources.

The fact that you can pursue this type of small business from the comfort of your home is an added advantage.

15. Organizer

OrganizerIn your search for the most successful small businesses, you would realize that across the US, there is a huge lack of individuals who can help you organize your stuff.

The fact is it is a huge prospect in the making.

Think about it; if you were an organizer or run a business dealing with organizers to help others make their life clutter free, how great that would be.

Well, the fact is being an organizer is one of those small business ideas that can easily scale up the size and business opportunity that arises thereafter.

16. Virtual Assistant

Virtual AssistantBeing a virtual assistant is a huge rage in the current craze about looking out for most successful small businesses.

You work remotely and do all possible things that a business owner or a business manager does not have time to do.

From opening emails to answering voicemails, there are many specific services that a business manager is constantly trying to get organized.

The biggest advantage is most of these can be easily done from the comfort of your house and do not need a huge resource investment in any form, whether you talk of equipment or infrastructure or even time.

17. Remote Bookkeeper

Remote BookkeeperThe recession saw a severe slash in many erstwhile positions to rationalize cost.

Surprisingly these are cropping up as interesting alternatives in the list of the most successful small business ideas.

One such option is that of the role of a bookkeeper.

If you have a background in accounting or financing and have the required time to work from home, all you need to do is simply apply to offer your services remotely to organizations requiring it.

The fact is most organizations are badly in need of it and will do anything to get someone to do the job for them without incurring a huge cost.

18. Language Translator

Language TranslatorA very attractive alternative among the most successful small business ideas is the role of a language translator.

If you are well versed in a particular language and can identify the need for translators for that whether it is for corporates or publishing house, it can easily translate into a thriving business alternative.

Remember a small business is always about identifying a niche and making it big there.

The solution is about providing competent services at an extremely competent rate which will give you an edge over established players in the field.

19. Social Media Consultant

Social Media ConsultantIn your tryst towards identifying the most successful small businesses, the role of a social media consultant can be extremely lucrative.

In today’s world, most businesses are relying heavily on social media marketing and the social media consultant is one who advises the clients about the various possibilities and avenues of social media and how to capitalize on them.

Moreover, the social media consultant explains the client about how to promote their marketing initiatives through it.

As a consultant, your role is all about identifying the right solution for the target customer and the client.

20. Health Insurance Consultant

Health Insurance ConsultantThe consultant’s role is no doubt very lucrative and among the most successful small business ideas.

In this case, we are talking about health insurance consultants.

If you have the related knowhow in this field, you can easily make it big by offering your service to target clients.

You can advise them on the right solutions for them and help them to go about the entire task of getting the insurance smoothly.

A lot of times you would see many people avoid the hassle of insurance just to avoid all the paperwork involved.

As a health insurance consultant, you play the role of a facilitator.

21. Create an Online Store

Create an Online StoreCreating an online store is by far one of the most successful small business ideas to follow.

You can either select direct retailing or even drop shipping alternatives.

The core point is that you need a website to take forward your e-commerce aspirations.

Even in terms of the choice of product, you have a wide range.

It can be either selling something on your own or something you acquired from a seller or even creating a very special niche set of suppliers with a choice of some special and unique set of products.

The online store ensures that you can access it from any corner with the help of a laptop and internet connection.

It does not require too much of resources to start a website either.

However, having a website or online store doesn’t mean that you have created a business based on the Data Technology systems.

It doesn’t mean that your business is scalable and will have the capacity of expanding and growing.

It also doesn’t mean that your business will give you time, money and financial freedom.

Having a website and selling some products through it, is a great small business idea, but you have to know how to take it off the ground and promote it, so that it makes a lot of money.


We can conclude the most successful small business ideas are often the ones that can cater to the demand of the maximum number of people around you at the minimum cost and effort involved on your part.

You need to be simply proactive in getting the right type of business idea and go big on the whole initiative.

Profit and returns in a business is all about getting a significantly higher return without a huge dent in your resource base.

Inspirational Quotes That Will Trigger Action Almost Immediately

Inspirational quotes are embraced by everyone, it goes without saying.

The poor and the rich, the young and the old, and the mighty and the weak have all bowed down to inspirational quotes at some point in time.

We all have, right?

Of course, there are moments in our lives when we lack the motivation to get going, the strength to move on, and that’s where inspirational quotes come in.

They are like catalysts that help speed up action.

They help renew our strength when we feel like we’ve hit rock bottom.

Which is what you could be here for.

Inspirational QuotesYou might be here because you’ve already given up on something and are looking to start all over again.

You may be here because you are cynical of getting started on something new and just want to be motivated.

Or, maybe, you could be here because you’ve had a bad experience in the past and are yet to get over it.

Well, whatever it might be, rest assured that I’m here to offer you hope; I’m here to put a boost to your spirits, helping you get back to your feet again.

That’s what inspirational quotes can do.

A daily dose of these thought-provoking words are a sure way to start off the day on the right foot.

But before we dive right in…

What Are Inspirational Quotes?

Inspirational quotes are simply positive words meant to delight the soul: they help uplift the devastated soul, inspire the overwhelmed soul, and activate the soul that’s still buying time to act upon something.

Like water is to thirst, so are inspirational quotes to a hopeless individual.

They come in handy when there seems to be no hope left for you.

Inspirational quotes are the hope you can cling on when it seems like it’s the end of the road for you.

So, the fact that you’re here, cheer up!

You are at the right place.

The following hand-picked inspirational quotes are going to catapult you into action in no time.

Inspirational Quotes About Overcoming Fear

1. To see what is right and not do it is a lack of courage. – Confucius

In order to take action, you need to put fear behind you.


Ever been in a situation where you’re pretty sure something is right, but you’re holding yourself back, for no reason?


It could that you’re just afraid to get started.

What should you do, then?

It’s here; move this monster called fear out of your vocabulary and you’d be good to go.

2. Everything you’ve ever wanted is on the other side of fear. — George Addair

Life can never be a success if you’re traveling the journey with fear (yes, life is a journey).

Put fear behind you in any undertaking you do.

Fear could be the only reason you missed that great opportunity the other day.

Let go of fear and you are the “next big name” in your niche!

3. Too many of us are not living our dreams because we are living our fears. — Les Brown

I couldn’t agree with this more!

How many times have we missed opportunities just because we are afraid of the outcome?

Most of us are afraid of uncertainties, needless to stay.

We are afraid of what could happen along the way on our quest for success.

Yet, if only we embraced risk-taking, we would be singing a victorious song.

That’s food for thought!

4. People who are crazy enough to think they can change the world, are the ones who do. – Rob Siltanen

Self-confidence is the surest way to reach greater heights, it goes without saying.

If you believe you can’t do anything, that is it; you’re never going to do anything.

If you believe the sky is the limit, on the other hand, you well could be the next George Soros or Bill Gates.

Inspirational Quotes About Encouragement

1. Life is like riding a bicycle. To keep your balance, you must keep moving. – Albert Einstein

Never stop working at any point in life, even if you’re as wealthy as a king.

Wealth, when not replenished, vanishes when you’re least expecting it.

Which explains why most of the lottery winners have had their “wealth” disappear in no time.

It’s because they stopped moving once they “thought” they had had it all.

They stopped working to refill the source of the wealth.

Albert Einstein couldn’t have put it better; you must keep moving.

2. Our greatest weakness lies in giving up. The most certain way to succeed is always to try just one more time. – Thomas A. Edison

I always associate giving up with failure.

When you give up on something, you’ve already failed before you even realize it.

Success waits for the determined only – those who are ready to fight to the very end, even if it means trying just one more time.

3. It does not matter how slowly you go as long as you do not stop. – Confucius

If you’re looking for success, “giving up” should not exist in your vocabulary.

You need to keep moving until you reach the end.

It doesn’t matter the pace you’re moving at; just keep moving nonstop.

Eventually, you will reach your awaited destination and will harvest the fruits of your labor.

4. With the new day comes new strength and new thoughts. – Eleanor Roosevelt

Live today to the fullest, irrespective of what happened yesterday.

Each day comes with its own opportunities.

As a result, if you bring the failures of the past into a new day, you might as well miss out on the opportunities the day brings forth.

Inspirational Quotes About Success

1. There are no limits to what you can accomplish, except the limits you place on your own thinking. – Brian Tracy

Believe that you can.

Have confidence that you can live your life to the fullest, despite of what others may say or think about you.

Rise above your fears and turn those dreams into a reality.

Strive to make your goals a success, even though you might face challenges along the way.

2. The only way to do great work is to love what you do. —Steve Jobs

Loving what you do is the beginning of success.

If you aren’t successful in what you do, it’s likely you don’t fancy doing it.

A lack of passion gives birth to procrastination, which affects productivity.

Be on the lookout if you are producing haphazard results at your work place; it could only mean you’re yet to land a job you fancy.

3. You are never too old to set another goal or to dream a new dream. – C.S. Lewis

There’s no age limit for success.

What you didn’t accomplish decades ago can be achieved now – you only need to put in the energy.

That’s right, success is an ongoing thing; it doesn’t depend on your age.

4. Put your heart, mind, and soul into even your smallest acts. This is the secret of success. – Swami Sivananda

You don’t have to wait to be a millionaire/billionaire before you can launch that business.

Even the current millionaires started small; then, step by step, they climbed up the ladder to success.

Therefore, start with what you have, however meager it might be.

Don’t you ever forget that a journey of a thousand miles starts with a single step.

Inspirational Quotes About Taking Action

1. Do what you can with all you have, wherever you are. – Theodore Roosevelt

One of my favorite quotes, these words are a winner when it comes to beating procrastination.

They help drive you right into action without further ado.

Yes, no need to worry if you don’t have everything you need to get started.

Just get started anyhow.

And, it doesn’t matter the spot you are at; just get started wherever you are.

That’s a true entrepreneurial spirit!

2. Knowing is not enough; we must apply. Wishing is not enough; we must do. – Johann Wolfgang Von Goethe

If you are not applying your knowledge in real life, then your knowledge is as useless as a sedan chair on a railway.

First, you need to put your knowledge to use, then divulge it to the others so they can benefit, too.

In the same vein, wishes are useless if you aren’t acting on them.

No, you can’t just sit there and wish for manna to fall down from heaven.

You need to take action!

3. Life is 10% what happens to me and 90% of how I react to it. — Charles Swindoll

It doesn’t matter what skills you boast, but it’s all meaningless so long as you are not putting it to use.

In life, you need to apply whatever knowledge or skills you have in order to maximize their potential.

4. Build your own dreams, or someone else will hire you to build theirs. — Farrah Gray

If you have a goal in mind and are not working toward it, you’re likely to forget about it sooner or later.

Consequently, you’ll end up working for someone else.

I’m not against you getting a job out there, but if you can turn your dreams into a reality, you could be an employer; not an employee.

Inspirational Quotes About Getting Started

1. The secret of getting ahead is getting started. – Mark Twain

I won’t emphasize enough the importance of getting started immediately in whatever venture you’re looking to undertake.

If you don’t start right away, you might never make that first step – even if you have all the resources you need to get started.

Mark Twain is spot on here!

2. The way to get started is to quit talking and begin doing. – Walt Disney

These thought-provoking words are no friends with procrastination.

In a nut shell, if you don’t act now but keep postponing activities, chances are high you may never accomplish a thing.

The only way to get over procrastination is to start – and start now.

Time is precious; you don’t want to waste a second of it.

3. You don’t have to be great to start, but you have to start to be great. – Zig Ziglar

Don’t wait until you win the lottery before you can change the world.

Don’t wait until you have thousands of followers on Twitter before you can start tweeting.

But tackle whatever thing on your to-do list immediately – even if you’re sure it’s going to not bear fruit.

After all, we all need to start from somewhere.

And, if we don’t start now, we might never start, even in the future.

Inspirational Quotes About Time

1. Don’t wait. The time will never be just right. – Napoleon Hill

Napoleon’s words help remind us that time is money.

The thought-provoking quote helps boost action almost immediately.

It goes without saying it’s worth a read every morning for a good day’s start.

2. The bad news is time flies. The good news is you’re the pilot. – Michael Altshuler

Michael was no fool to do these words!

Time waits for no one, even the rich.

It’s either you take action when opportunity knocks or wait to take action when the opportunity becomes obsolete.

You choose!

You are in control of your life.

3. Sometimes you will never know the value of a moment, until it becomes a memory. – Dr. Seuss

When opportunity knocks, you don’t need to wait but grab it with both hands.

Some opportunities come only once in a lifetime.

Meaning, if you wait to jump in later on, you could miss the best position or miss the whole thing altogether.

Sometimes, it’s good to act when things are still fresh.

Inspirational Quotes About Handling Critics

1. Remember no one can make you feel inferior without your consent. —Eleanor Roosevelt

You are in control of your life.

Let nobody’s utterances make you any lesser.

You are the one in charge here: you can choose to bypass what critics say against you, or you can choose to let it affect you.

In order to rise above the world and be your own hero, you need to prove critics wrong, especially if they are so wrong.

2. One of the lessons that I grew up with was to always stay true to yourself and never let what somebody else says distract you from your goals. – Michelle Obama

Unless you rise above the criticism in your daily life, your goals are bound to be affected.

Accept the fact that critics are ever present – only that they have no authority over your life.

Never! Unless you let them to.

3. The pessimist sees difficulty in every opportunity. The optimist sees opportunity in every difficulty. – Winston Churchill

Life if full of hurdles, and only those who see beyond these emerge winners.

We should learn to accept challenges as they come, and also tackle them accordingly.

It’s only then that we should bypass the obstacles that sit along the path to our success.

Inspirational Quotes About Life

1. It isn’t where you came from. It’s where you’re going that counts. – Ella Fitzgerald

Your past, even if it was flawless, doesn’t determine your future.


Whether you were a success or a failure in the past, none of it is tied to your future.

That’s right; it doesn’t matter if your past was rosy or pale, but now is the time to open a new page for the future.

The thing is, act now.

Because I’m pretty sure there are opportunities knocking!

2. You get what you give. – Jennifer Lopez

Jennifer Lopez was no fool to craft these powerful words.

In life, you simply get what you give.

If you give in more, you get more; if you give in less, you get less.

I call it “the #1 rule of life.”

3. The most common way people give up their power is by thinking they don’t have any. — Alice Walker

While we all are good in different areas, each one of us is, at least, good at something – anything.

Which explains that it’s insane to think there’s nothing you’re good at.

Honestly, there’s nothing you can’t be good at.

Even toddlers are good at playing.

Inspirational Quotes About Withstanding

1. If you’re going through hell, keep going. – Winston Churchill

Success doesn’t come on a silver platter; you’ve got to work for it.

Even the most successful folks in the world have not had the rosiest of moments.

If you asked them, they’d tell you it took enough failures before they tasted success.

The thing is, do not give up.

Hold onto whatever challenges – however cruel they might be – you are facing on your quest to success.

You’ll eventually make it!

2. It’s not whether you get knocked down, it’s whether you get up. – Vince Lombardi

Setbacks are a part of life.

We all need to embrace these so we don’t despair when they surface.

Which is why it doesn’t matter if you’re encountering challenges up the ladder of success.

Yes, it’s not a thing if you’re always getting knocked down.

All you need to do is get up, erase the dust, and match on.

That’s the attitude you should nurture if you’re looking to become successful.

Financial Success and How to Achieve It in Life

Financial success is a mirage that we all look for.

Whether you are highly qualified or an average clerical worker, whether you come from a big town or a small one, almost everyone you will see is hankering for financial success in some ways or the other.

Of course, the manifestation and the goals that they strive to achieve would be different for different types of people, but the tryst for a better financial stability is omnipresent.

That brings us to the key question, why do you need financial success.

The fact is being financially successful helps you achieve some key targets.

These include:

Security: It kind of makes you feel empowered in taking up any challenge, after all, there is very little that money cannot buy.

It makes you feel more powerful in terms of taking care of your loved ones and preparing better for future comforts.

Money often also allows you to pamper your loved ones in terms of getting the best for them in every possible manner.

Stability: It would not be wrong to say that financial success also brings in a degree of stability in your life.

When you know that you have access to adequate resources to fulfill any type of need of your family, it surely puts you at ease.

Sufficient money also removes any type of uncertainty that you might have to worry for otherwise.

As somebody once said to me, ‘Money cannot be everything in your life, but it sure is something rather important.

Comfort: Access to greater financial resource means you can surely have a better life.

From a comfortable house to comfortable car to better lifestyle to enjoying more amenities, the possibilities are endless.

Better financial condition always ensures that you can have a more comfortable life than you imagined.

In terms of material happiness too, money can often mean a lot more of all of those.

More Time: Money no doubt helps you buying a lot more amenities, gadgets and help if needed.

This means that you do not have to spend your time dealing with the daily chores too much.

This frees up time for you to pursue a lot of personal work or to pursue a hobby and the like.

This means that you can use your time better and also use it for knowledge enhancement.

It would not be therefore wrong to say that financial success is as much about material joys as it for inner happiness.

When money gives you the resources, you can also indulge a lot more into various charitable opportunities that might come your way.

In many ways, this means that you can guarantee a lot more inner peace once you are able to pursue your dreams without any limitations.

It makes you become a better individual and often helps you create opportunities for many other deserving people who might not have access to the type of financial resource that you have.

Financial Success Means Financial Freedom

How To Achieve Financial Success?

The question that would next come to your mind is how you can achieve financial success?

Well, obviously you know why you need financial success now so it is imperative to understand how you can go about achieving it.

Well to put it very simply, you cannot achieve financial success overnight, and it is only a gradual process that enables you to achieve it.

A step by step procedure, as the saying goes, ‘many drops make the ocean, many pennies makes the pound’.

But the trick is not to lose the drive in between and go ahead with greater and better precision.

1. Need to Set Targets for Your Financial Success

This no doubt is the first step to any great mission in life.

Your journey to achieving financial success begins from here.

You need to establish clear and achievable goals.

This, no doubt, is the most crucial part of your financial plan.

In very basic terms it often is the exact amount of money that you must earn within a particular time period.

This goal then helps you undertake a real-time analysis of the time you need to achieve the goal.

You can then set and then you can tweak your overall investment and earnings plan in a way that offers you the maximum benefit.

When you talk about setting up targets, there are three types essentially:

  • Short-term targets
  • Mid-term targets
  • Long-term targets

While your short-term goals will be about the financial needs that you might have immediately, within a year or so, the mid-term ones are spread out over 5-10 year time range.

They can involve anything from higher studies for your children to a bigger house or even your personal vacation outlook.

The long-term ones inevitably involve your retirement plan and even a house perhaps where you want to settle down post retirement.

The reason you need the financial goals or targets is primarily.

Because this helps you understand how much money you need to set aside every month to reach your target.

It also guarantees your financial success despite your current earnings.

By communicating your goals and setting aside targets, you can work towards achieving them a lot more efficiently.

It gives you the leeway to provide for urgent emergencies without disturbing the overall savings plan that you might have outlined.

Setting Goals Toward Financial Success

2. Take Stock of Current Situation

This part of the financial plan goes hand in hand with the overall target setting and goal setting aspirations of an individual.

The moment you set your target, you need to understand how much you earn now and how you need to allocate it.

Often when you are making regular savings, there are times when you forget to value the savings thus far.

Most importantly what you save in comparison to how much you spend and the liabilities that you must fulfill.

This net worth assessment will put the overall financial situation in relative scale.

Then you can gauge how much you need to set aside in reality.

You must remember that you cannot look at your savings in isolation.

They need to be seen in relation to the overall mortgages and other loan liabilities that you might have.

When you calculate your net assets minus your liabilities, it gives you a true picture of the financial state you are in.

If this amount is positive, then you can look to add to it going forward.

However, if the net worth is 0 or in a negative zone, then you have to rework your finances in a way that you can address this aspect at the very beginning.

3. Cashflow

You are highly mistaken if you thought that cashflow is a condition that only entrepreneurs need to worry about.

Just like cash flow is indispensable for running a business smoothly it is equally important for running a family and your house smoothly.

Of course, in the context of your personal savings and household savings, cash flow denotes a detailed structure that determines where your money is spent every month.

First and foremost, you have to calculate the exact amount of money that you have to spend every month.

More often than not, it is seen that instead of a cash crunch problems, most who are undergoing financial distress is essentially symptoms of overspending on credit card and dealing with credit card debt.

As a result of this, your ability to save would also get crimped.

Therefore, once you put down your actual needs and resources on pen and paper, you can assess the relative inflow and outflow of money better.

While the income or inflow of cash would essentially be the salary that you earn but it can also comprise of

  • Alimony settle cash inflow
  • Child support
  • Earnings from investment
  • Rents from property that you might own
  • Gifts
  • Government benefits

The next step no doubt involves understanding your overall tax liability on the inflow and how you can reduce this in case it is too much.

Often the lack of proper financial planning not only impedes your financial success but also increases your tax burden.

Savings also in that context could often be considered as an expense in your cash flow condition.

While you might not be spending the money but by setting it apart, you no doubt also limit its ability to be spent on any other purpose going forward.

4. Create a Plan for Savings & Spending

So once you get a relative idea of the overall cash inflow and outflow accurately, you can draw up the plan for savings and spending quite effortlessly.

This plan needs to be broad and extremely comprehensive.

It should account for everything, from how much you want to save for old age to how much you spend on clothing, just about everything is covered in this Spending-Savings plan.

One aspect that you should not forget while making this plan is the golden rule of financial success.

Your expenses should in no way exceed your savings.

This even includes the overall savings that you might be having and the money you are setting aside for that.

For starters, you could begin with a cash flow worksheet.

In case there is a negative cash flow in the worksheet, you could make adjustments as per the need.

But when you are looking ways to close the gap in the negative cash flow, ways to increase your income is not just about reducing expenses or savings; it could mean something more than that too.

Sometimes it could be about increasing your income too by taking up a part time job or putting up a property for rent as well.

You could even look at managing expenses like looking for value for money phone connection services or buying various day to day articles at a cheaper rate from local deals at departmental stores.

But remember that your plan is as good as you follow it.

For making it work as effectively in real life as it looks on paper, you need to exercise strict financial prudence.

You also need to ensure that you follow the plan on paper very closely to the last T.

According to Robert Kiyosaki, financial success is not the matter of how much money you make.

It is the matter of how much money you keep which is income to expense ratio:

5. Emergency Savings Plan

Often you would have noticed that a sizeable chunk of your savings might be eroded away because of some sudden emergency.

You never plan for these, but the fact is that when they do come upon us, it can severely erode the overall savings plan for the long run.

In many ways, this could severely hamper the overall financial success that you might be looking for.

Therefore, apart from the regular savings that you might have planned for, it is very important to make an allocation for any sudden emergency that might come your way.

This emergency fund always comes handy for accounting for expenses that come up suddenly.

In fact, most financial experts say that this emergency fund should be sufficient to support at least 3-6 months of living expenses for an individual.

Another fact is as this expense is never planned for; you must always use a savings instrument that can be accessed without delay.

It is also important to choose the investment instrument that does not invite any penalty payment for early withdrawal.

Therefore, you don’t just need to plan an effective emergency plan but also the one where there is a minimum liability if you end up using it.

6. Direct Deduction

In the context of creating effective channels of savings, it has always been observed that savings is always more effective and efficient when it is done through direct deduction.

You could opt for an electronic transfer from your account or even the ones that have the facility to submit post-dated checks.

What this ensures is that you are forced to follow a certain degree of fiscal prudence at any cost.

Whatever your monthly outgo might be, your savings would not be crimped.

This is important to ensure that today’s problems do not hamper tomorrow’s plan as well.


The golden rule of financial success is therefore all about achieving financial discipline in our daily lives.

It often entails that you must follow a strict and disciplined approach that you have to ensure in a firm.

Remember while you might not have employees to pay to, you still have your house expenses to cater to.

Unlike entrepreneur, in your personal finance sphere, you never have any angel investors to bail you out crowd-funding alternatives to tide over emergencies.

You should be keen, alert agile and extremely flexible in making alterations and adjustments in your finances depending on the requirement and the demands of the time.

You must never be too rigid in your plans and the choice of the financial instrument for your savings is as crucial.

Do not just make a savings in some financial vehicle because someone suggested.

You must give it a deep thought, research well about the alternatives available for you and then only make a choice.

This will ensure that you are able to balance both your income and expenses in a way that you can provide adequately both for your future and present.

Your financial success is completely dependent on your skills in managing your funds effectively.

Time Management Strategies and Tools

Time management is one of the underrated skills that we all must learn.

Time is to man one of the most precious things in the universe, so one must dearly cherish it.

One of my favorite proverbs is “time and tide wait for no man.”

That is absolutely true because time keeps moving no matter what we do.

Time ManagementThere is no pause, rewind or fast forward buttons.

We have to work with what we got, 24 hours per day, 7 days a week and make the best out of it.

Wasted time cannot be regained.

Therefore, it is important to learn how to manage your time, to achieve your goals and meet your deadlines.

We value time simply because we feel we don’t have enough of it or control over it.

People always value what is in scarcity or what is in limited supply.

About Time We Paid attention to our Time

Many people underestimate the value of time.

You will find many teenagers wasting precious hours on video games rather placing stepping stones for their amazing future that awaits them.

Truth to be told, no set of individuals in all the world hold time in greater esteem than working professionals.

Working individuals can be laborers on an hourly wage payroll or CEO who each minute of their time is worth billions.

The outcome of how they spend those minutes determines how much they yield.

Working professionals are on a daily basis ladened with a gazillion of tasks they’re expected to complete in a short time.

Many fail to meet deadlines as a result of poor time management skills and they suffer its consequences.

Therefore, it is important to learn some time management tricks that you can deploy to make the best of your time.

In this article, you’ll learn effective time management tools and strategies you can employ to increase your productivity in the workplace.

Effective Time Management Tools

The following tools facilitate the process of time management for working professionals.

Project managers can also utilize any of these tools to create, supervise and regulate project schedules:

1. Schedule Network Analysis

This tool shows users a graphical representation of project schedules.

Studies show that graphical representations are easier to comprehend and remember.

Some people are under the impression that they have a lot of time.

However, when start and finish dates are laid out in front of them, it is easier to visualize how much time they actually have.

This tool is useful in determining early and late start dates of projects, as well as early and late finish dates.

That way, you can visualize all the possible options for start and finish dates.

It is also a great tool for prioritizing tasks as it helps arrange tasks in a chronological manner.

That way, you can focus on tasks that have an earlier deadline or shortest overall duration.

You can also get to monitor the progress of projects with this tool.

To sum it all up, this tool provides such functions as activity sequencing, project length, completion date and critical path.

It also provides Lead times, Graphical representation of the project, Possible slippage, Possible what-if analysis and Schedule crashing analysis.

That way, you can view a very practical analysis of how time should be spent and planned for each project.

2. Pert

PERT stands for Program Evaluation Review Technique and is appropriate for time management, project planning, and control.

It is basically a chart employed by firms to schedule projects and analyze the various tasks in a project.

PERT also functions as a tool to weigh and calculate the amount of time needed to execute a task within deadlines.

In order to get the best out of a PERT plan, it is imperative to keep to the following steps:

  • Identify tasks unique to a certain project.
  • Analyze tasks, placing each in a proper sequence.
  • Use a Network diagram illustrating project tasks and the sequence they are to be completed in.
  • Give each task within a project a time estimate.
  • Come up with a critical path estimate after ascertaining the total time required to execute a project.

3. Scoro

This is an effective time management software that lets you manage your work time and business from one place.

This is one tool that working professionals can utilize as it provides all that one needs for effective time management in a workplace.

One amazing feature of this tool is that it synthesizes project management, time tracking and CRM together.

What this implies is that you get so much done on a single platform instead of using multiple platforms.

Other functions and features of this tool are:

  • It allows you transfer into an invoice the hours gotten from tracking both billable time and non-billable time.
  • You can set priorities and fix deadlines.
  • It allows for the easy communication between members of a work team.
  • Tasks can easily be delegated.
  • It allows you manage time and work activities with an endless number of tasks and projects.

4. Trello

Has your team been failing to meet deadlines or effectively execute tasks?

If yes, then TRELLO is just what you need as it helps you make quick progress on projects.

This is another tool for time management that lets you track time and manage simple tasks on a cardboard-like interface.

Functions and Features of this tool include:

  • It helps you discover how much time you spend on each task.
  • It allows for easy communication between employer and employees in the course of executing a project.
  • Tasks can easily be delegated to the appropriate individuals or team
  • It lets project managers organize projects and set a due date for tasks.
  • As an employee, all new tasks enter your workflow through the TRELLO inbox.
  • It helps you plan the activities of your day, create to do lists and set priorities.
  • User Friendly interface

5. Action Priority Matrix

This is one of the most effective time management tools that working professionals can use to their advantage.

Action priority matrix is a strategy that has been developed into online tools that you can easily use.

We all have projects on our hands, but these tasks don’t all share the same level of importance.

With Action Priority Matrix, you get the chance to choose which activity to invest the most time and attention on.

This saves you from wasting precious time on low yield projects.

There are four categories of the tool namely: Quick Wins; Major Projects; Fill Ins and Thankless Tasks.

Quick Wins are the best projects to focus more on as they require low effort, but yet result in high impact.

They are considered important tasks, rather than urgent.

Major Projects are tasks that also yield high impact, but unlike Quick Wins require high effort.

Fill Ins and Thankless Tasks are the worst projects to invest your time on as they both result in low impact.

Action Priority Matrix Time Management

Getting the best out of this tool requires that you:

  • Put down the tasks you wish to undertake.
  • Score each of them based on their impact.
  • Arrange the tasks on the tool based on their scores under each category.
  • This is the point where you prioritize each of the tasks.

Effective Time Management Strategies

You can play a video game, facing things as they come up.

On the other hand, you can strategize your approach to make the best out of your time.

Time management is no different.

You need to plan a strategy in addition to using one of the above tools to help you manage your time.

Strategies for time management are directives that help you achieve better results in a workplace during a short space of time.

These strategies shouldn’t be taken lightly, as they have a capacity to increase your work productivity by 100%

1. Identify What Time Management Tool Works for You

In the sea of time management tools, not every tool therein is appropriate for you and your needs.

It is important to discover which of the many time management tools helps you achieve the most.

For most individuals, a simple “to do list” will work just fine, while for others more sophisticated tools are needed.

The magnitude of the project is another factor to consider when choosing an ideal tool to work with.

Such time management tools as Action Priority Matrix and Trello are appropriate for just anyone.

This is because they are based on the core concept of time management, prioritization.

It is important to lay out and divide your project into tasks then arrange them based on urgency and importance.

On the other hand, tools like PERT and Schedule Network Analysis are appropriate for project managers.

That is because they are oriented at supervising tasks and time invested in projects as well as tracking progress.

2. Endeavor to Kick off Your Day with the Most Vital Tasks

Mark Twain had an awesome principle that he called “Eat the frogs.”

He said, if you start your day by eating a frog, you will not face something worse in your day.

In other words, he urged people to start with the hardest task first.

That way, the remaining tasks spread out through the day would seem relatively easier.

Time management is basically about prioritizing your tasks and having the most important task receive the most attention.

In that vein, the most strenuous task in each day should be what you start your day with.

Doing otherwise would have you achieving less every day.

That is because your resistance increases as your day progress.

The more resistance you have, the harder it will be to overcome and tackle hard tasks.

People tend to feel refreshed and have clearer heads in the morning, so make the most of that moment.

However, that is not always the case.

Some people are night owls rather than early birds.

Find out your peak optimum brain activity and work at that time for stronger results.

You will achieve more if you work when you feel fresh.

However, don’t fall into the trap of waiting for the perfect conditions in order for you to be able to start working.

3. Invest More Time on High Rewarding Tasks

This is exactly what the time management tool, Action Priority Matrix helps you achieve.

Pure wisdom requires you to focus more on those tasks that lets you achieve more with very little effort.

The basic priority matrix categories were:

  • urgent and important (example: delayed assignment due tonight )
  • urgent and not important ( example: replying to alumni invitation emails)
  • non urgent but important ( example: cooking or assignment due next month )
  • non urgent and not important (example: browsing on social media)

From the above criteria, you can guess which category of tasks to focus on.

you should spend most of your time working on non urgent but important tasks.

if you keep ost of your tasks delayed, you will have a lot of urgent tasks.

it’s very stressful to have a lot of urgent tasks on your plate.

similarly, you should not spend most of your time on non urgent and no important tasks because they do not have any value to your personal goals

You should ask yourself the following questions in order to determine what task to focus on first.

  • What is most expected of me by my team or client?
  • Which task if done will make the most impact in the workplace?
  • What task if left undone will get me in the most trouble in the workplace?

4. Take Breaks

As much as you wish to do things in the short time available, it is important that you take regular breaks.

We function appropriately only when we couple our work with rest.

Overworking your body and mind while trying to be productive will only bring about the unfavorable.

Having a break down of the body system due to work overload will be detrimental to you and your project.

If you take on a lot of tasks, getting burnt is a common thing that you must experience.

When you get burnt you will not be able to focus your energy on more work due to depleting your energy.

So get rest in between work periods, to stay healthy enough to carry out and complete your projects.

5. Avoid Every Form of Distraction

Distraction is one of the top factors that bring about unproductivity in workplaces.

Your brain functions better in a focused flow state.

Interruptions are a huge enemy to your productivity.

That is because of switching between tasks breaks your focus and therefore, you take a little bit of time to orient yourself again.

Social media can easily distract you and suck you into its never-ending trends.

There are tons of notifications and trends to follow up.

Developers designed Social media websites to keep you hooked on for hours.

It has become an obsession, not for teens alone, but adults as well, as they are also a prey.

As a working professional, in order to make the most of your time, it is important to get rid of any such distractions.

You can do this by putting your phone device on silent until after work.

There are apps that can help lock your phone and reward you for not using it.

You can utilize such tools as FocusScheduler to impair the function of certain apps for a certain period of time.

Another app called “Forest: Stay focused” is a great app (click here).

It gives you a tree every time you stick away from your phone due to the allocated time.

Eventually, your forest would be as beautiful as how much dedicated you were.

Another thing is that you need to keep everything you need close by.

That includes water, snacks, pens and papers, calculators, etc.

Getting up to get what you need is a form of distraction and makes you liable to more distractions.

6. Learn to Say No

Some people feel it is wrong to say no.

But saying yes to everything can stretch you beyond your limits.

Taking on extra tasks burns you out.

Moreover, it takes from your own time to do tasks that serve you and your goals.

It is fine to offer to help others, but make sure you are not piling tasks on yourself.

Provided you use these time management strategies, people will understand when you have a lot on your plate.

I hope you enjoyed and benefited from this article.

If you have, feel free to check out my other articles here.

Some Important Rules to Have Better Life and Business

I am going to start the today’s market analysis with some important rules that help you not only have a better life, but also they make you better in everything, including business and trading.

Rule #1

If you think it is a mistake to do something, then never do it.

Don’t try to convince yourself to do something that you know it is wrong, or at least something in your mind says that you shouldn’t do it.

This can be applied to anything in your life, including in trading:

If you think a trade setup is not good and strong enough, then don’t try to convince yourself to take it.

Skip it.

It is possible that the price moves accordingly even after a weak trade setup that you’ve ignored.

But this is what you never know in advance.

So don’t blame yourself for skipping a weak trade setup that the price follows it strongly later.

Rule #2

Be clear when you talk.

Say exactly what you have in your mind.

Don’t say something different to make the listeners conclude what you have in your mind.

They can’t do it in most cases, and so you will be misunderstood.

Always be clear and straightforward.

Rule #3

Never try to make everybody happy.

You can’t.

Be yourself.

This makes some people happy, and some others unhappy.

This is not your problem at all.

Rule #4

Learn something new every day.

Never stop learning.

Rule #5

Never talk negatively about yourself and the others.

Always talk positive.

If there is nothing positive in something or someone from your point of view, then don’t talk about him/her at all.

If you are not happy with yourself, forgive yourself and talk positive.

This turns you into something that you like.

Rule #6

Never stop trying to make your dreams come true.

If you have a dream, even if it looks too big, do your best to fulfill it.

Even if you can’t make exactly the same dream come true, at least you learn so many things and you gain many smaller achievements while you have been working to achieve your biggest dream.

For example, if you like to make $1,000,000 per month, do your best and work day and night to achieve it.

Even if you reach half of this goal, it is still great and you make $500,000 per month 🙂

But don’t tell me that you had a big goal and you worked so hard toward achieving it, but you couldn’t do anything at all.

That simply means you haven’t worked enough.

Rule #7

Never have any problems to say “no” to the others’ requests.

That saves you a lot of time, energy and money most of the time.

If you are not strong enough to say “no” to people, then you have to give away a lot of valuable things including your time and money.

Rule #8

While you learn how to say “no” when you must say “no”, you have to learn to say “yes” to good opportunities, or to help someone when you see that you can do it.

You should be able to reach to a balance in this.

Rule #9

Be kind to yourself.

Love yourself and support yourself with good and positive words and gifts and prizes, specially when you take one more step toward achieving your goals.

You are the best person to support yourself.

Don’t wait for the other to do it for you.

Rule #10

If you can’t control something, leave it alone.

This is an important rule for you Forex and stock traders, because you can’t control the markets to make money for you.

Therefore, you have to wait for them to give you an opportunity to make some money.

That means you don’t push yourself to enter the markets to make money.

You wait for the markets to form a trade setup to give you the chance to make some money.

This rule can also be applied to all the other parts of your life.

If you learn and apply this rule, you will enjoy your life more and you will have less stress.

For example, you can’t and you shouldn’t try to change people.

You should accept them as they are.

If you really can’t accept someone the way he/she is, just leave.

You can only change yourself and your thoughts if you want.

If so, the world around you will change.

So, instead of trying to change the others and the things, try to change yourself and become better and better every day.

Rule #11

Do your best to avoid negative and nasty events and news.

They can affect your life very badly.

They can ruin your inner energy.

As you can’t do anything to change those negative things into positive, hearing them and dealing with them is wasting of time and energy for you.

Those who always follow the negative news, will make their lives negative gradually.

Unfortunately, most of the media are focused on negativity because they know that it attracts more audience, so that they can make more money through the ads.

What you have to note is that you should not allow them to use you and your life as their source of income.

So always be focused on positivity not only to make your own life positive every day, but also to make the world positive.

Rule #12

Never do something that you don’t like, just because you want to make the others satisfied.

What is the point to do something that makes someone happy, but another one (you) unhappy?

It is good to help and support the others.

But you should always keep the balance.

You can’t burn yourself to warm up the others.

Rule #13

Try to forgive.

But don’t forget.

When you forgive, you set yourself free from the negativity that bothers you from inside.

When you let the negativity go, you take a breeze and smile.

It means you are free and you feel comfortable and happy again.

However, you can forgive someone, but you’d better not to forget what he/she has done to you.

They say everybody is worth giving the second chance.

That depends on many things.

Be careful not to be betrayed for the second time by the same person.

If someone cheats you once, it is his fault.

If someone cheats you twice, it is your fault.

Rule #14

Arguing with a stupid person, makes you look stupid too.

That is why we don’t publish the comments that look stupid.

We send them directly to the spam folder, because if we publish them, then we have to answer them.

And, usually good answers don’t satisfy the stupid.

Therefore, he/she keeps on bothering and we have to keep on answering.

Finally, we fail to take him to our level of understanding.

But he succeeds to lower our credit to his level.

So, you should never start an argument with a stupid.

It only lowers you.

“Never try to explain. Your friends don’t need it. Your enemies don’t believe it.”

Rule #15

Never testify something that you don’t believe.

Sometimes we do this to make the other person happy.

But it is stupid to make someone happy with something stupid that he/she believes but we don’t.

Rule #16

Be kind and nice to those that appreciate.

Some people expect you to be kind to them while they think it is your responsibility.

You don’t have such a responsibility at all.

It is your choice to be kind and nice to people and they have to appreciate.

If they don’t, you don’t have to keep on helping them.

Rule #17

Avoid someone that you don’t like or you hate.

Life is too short to be wasted on dealing with the people that you don’t like while you can easily deal with those whom you like or at least you don’t hate.

Rule #18

Teach what you know to others.

Teaching has two big advantages.

First, it helps you understand something that you know, better.

When you explain something to someone, you understand it better too.

Second, it helps you learn more and you find out about the things that you don’t know around that subject.

So that you go and learn them too.

Rule #19

If you are mad at someone or you are upset, you’d better to tell him/her and expect him/her to apologize, instead of not to telling him/her and keeping the problem inside.

That bothers you more and ruins your relationship with that person harder.

Rule #20

Be a good lover and live in the happiest possible way that you can.

Enjoy your life and be happy.

That is the least you can expect from your life.

Personal Mission Statement to Say What Your Mission Is

The term personal mission statement is self-explanatory.

It refers to a statement about your personal beliefs and values.

This is often a reflection of personal goals and provides a sense of purpose.

In many ways, it defines the person you are.

It gives you a clarity of purpose and identifies the most important aspects.

It helps develop leadership abilities and creates room for personal growth.

Also, it helps you retrospect on past achievements and inspires you to more success.

Well, that is often the key purpose of a personal mission statement.

It identifies and strengthens channels of success.

In fact, it is often one of the surest ways to achieve better success.

We all need the inspiration to move ahead in life.

Personal Mission StatementIt is often the central force that defines the course of our life.

This is because it reiterates the focus of our life.

It helps us narrow down our vision to what’s truly important.

More than anything, it gives you a better perspective on how you should move ahead.

Often at times when you are really confused or unsure, these goals provide direction.

It strengthens your belief in yourself and helps you move on.

Often this provides the necessary strength to overcome failure.

When the dark clouds of uncertainty cover you, this statement can clarify your perspective.

It will help you restore faith in your abilities and move ahead.

Most importantly, it brings a definitive goal to your life.

It stops the feeling of purposelessness or life without a mission.

Furthermore, it helps maintain your positivity.

Often the difference between success and failure is this perspective.

It can often help reiterate the fundamental goals of your life.

It helps overcome your inhibition and helps you reach new heights.

Purpose of a Mission Statement

So that brings us to the most important aspect.

Why do you need a personal mission statement in life?

This is often the best ways to identify the core value of your life.

The core values of your life are very important

The choices that you make, the direction that you take are all defined by this.

There is never anything like a perfect life.

Each one of us decides on the direction of our life on the basis of these choices.

The priorities and choices that are important to us define our core value.

Often the differences in our personality are the outcome of these values.

The surroundings and our environment play a crucial role.

They help us formulate our value system.

In many ways, they also form the foundation of our personality.

The core values embody a person’s essential value system.

These are also the typical characteristics that make one a great leader or a team player.

In many ways, this also highlights individual ability to overcome problems.

Your approach to facing challenges is determined by these values.

When you write these down as your mission statement, it helps you refocus.

It reminds you every time about the person you are.

It also reinforces your personal value system succinctly.

Be it in professional or personal life; this can come in handy.

It can help enhance your performance and push yourself further.

Even in times of stiff competition, often the personal mission statement can help you shine.

An earnest and well-defined mission statement creates a strong impression.

It helps you stand up tall against all odds.

If written properly, it also helps you chart out your success route better.

Identify Past Success

Our life is nothing short of a roller coaster ride.

There are many past experiences and future expectations.

Some cheer us up while there are some that make us unhappy.

Your personal mission statement is often about creating the necessary balance.

Remember that old saying that when life gives you a lemon, make a lemonade.

This is exactly what you have to learn to achieve through your personal statement.

So when you list out your future goals, you also mention your past experiences.

Sometimes these can be a huge source of motivation for you as well.

Your past success can often pave the road for your future goals.

You can draw motivation from these experiences.

So in short, your past becomes the foundation for your future success.

Let’s accept that no one can motivate us the way we can to ourselves.

But where do we draw our own motivation from?

Well, that is undeniably from our past success.

They inspire us to push forth and challenge our boundaries.

They also encourage us to break the barriers of inhibition.

In many ways, we learn to get past our fear and take up life head-on.

That can often be the most defining moment of our life.

So your personal mission statement is never just about improving your prospects.

It helps in making them happen.

The only challenge is you have to take out time and identify these opportunities.

Count Your Contribution

Writing your personal mission statement serves a distinct purpose.

It is never about just outlining your value system.

You suddenly sit back and get an opportunity to take stock.

When you write out your contribution, it serves many purposes.

The most important one is that this helps you take pride in your achievements.

We are all achievers in our own way.

You can never measure it with the same parameters.

This is because we all face different challenges and circumstances.

As a result, our achievements are tempered by that.

That helps us identify our true mettle.

Let me explain with an example.

Supposing Y belongs to an affluent and educated family.

Right from day one, his parents encouraged him to study.

He was able to make most of the available opportunity and shine.

As a result, he becomes an engineer, a doctor or joins a high paying corporate job.

Well at the same time, X can belong to a poor family with relatively limited means.

He may have grown up understanding the value of money more than education.

Despite that, he manages to get a reasonably good education and join a profession.

Now the parameters are different and as achievers both shine equally.

So when both sit to write out their achievement, it will provide them with means to be proud.

So, this will help you make a list of all that you can do to make a difference.

It also helps you outline how can make a difference in the world.

It can be related to your family, community, office or even country.

So by simply listing out your contribution, you can assess your abilities.

In many ways, that can make a huge difference in charting out the future path.

It creates a renewed consciousness.

Identify Your Goals

This is perhaps one of the most important purposes of writing a mission statement.

It helps you get in touch with your innermost self once again.

Time and again, it helps you set the priorities right in your life.

The direct impact is you can then also have a better outlook on your objectives.

We all have a series of short-term and long-term goals in life.

But the problem is quite often we lose track of these in trying to deal with challenges.

But the moment we sit to write our personal mission statement, we get a fresh perspective.

It is often like a clarion call.

As individuals, we all have some special moments.

But in the daily hustle and bustle, we often lose track of these.

When you chart out your goals in your personal mission statement, the math is set right.

It is almost like giving a wakeup call to yourself.

You remind yourself of how you had planned your life to be.

If something was left undone, this is your opportunity to recoup lost ground.

Most importantly if you feel purposeless or lost, this helps to reassign your life objectives.

Think about corporate establishments.

Why do they set targets for their employees?

This is not because employees are not working enough.

It is primarily because it keeps the focus intact.

Employees don’t just take pride in their existing achievements.

They learn to recalibrate their performance and create a new list of achievements.

Listing out your goals in a personal mission statement serves exactly this purpose.

You recalibrate and constructively reassess your achievements.

How Does a Personal Mission Statement Help You

So we now get a clear idea of the reasons why you need a mission statement.

But the point is how a personal mission statement helps your cause?

Well, the most important benefit is it helps to integrate who you are.

It brings in a common ground between what you plan to achieve and what you can.

Often we may have many plans but are unable to execute.

That can be for a variety of reasons.

One of the most important factors is lack of proper planning.

Well, this is where a mission statement helps you.

Often you don’t just outline your mission in life.

Most times as you are doing it, you also tend to work out a strategy for it.

You make a mental note of what you want to do in life.

In doing so, it brings a unique confluence of objectives and execution.

As a result, you get to know about yourselves better.

You discover latent abilities and get the strength to dream big.

Often that can be the biggest factor for individuals.

It gives them the appropriate motivation to excel and try new challenges.

So a mission statement undeniably creates a consciousness about your being.

It fills your life with a renewed sense of purpose.

Perhaps that is why you see most successful entrepreneurs penning down the mission statement.

They are already driven individuals, but starting a new enterprise is no child’s play.

In many ways, this mission statement then becomes the driving force.

It motivates them to continue even when the going seems to be touch.

Most importantly a personal mission statement keeps individuals grounded.

It helps them keep calm in failure as well as success.

This is because often this statement reminds them of their roots.

The Primary Requirements of a Mission Statement

That brings us to the next level in this discussion.

Every document has its own unique dos and don’ts.

There are some points you must keep in mind while writing these.

There are some aspects that you need to ignore.

1. Dos of writing a mission statement

– Complete honesty

Don’t write a personal mission statement just like that.

You need to think deep and be 100% committed and clear.

Don’t put in talents that you may not possess or skills you are not good with.

Remember a lot of time people form an opinion based on the mission statement.

In this case, if it is wrong, they may have wrong expectation from you.

– Be specific

Don’t make the mission statement vague

Be very specific about the talent and the qualities you list out.

In that way, you can also maintain a clear focus.

– Think out of the box

You must remember that your mission statement has to get eyeballs.

For that, you need to write in a manner that gets maximum attention.

For this reason, a bit of out of the box thinking is very important.

That will help you highlight the most impressive points in an attractive manner.

Needless to mention this will help give you an edge over others.

– Be focused

Focus is primary when you are writing a mission statement.

If you don’t have focus, there is 100% chance that your narrative will suffer.

The writing quality will be haphazard, and you may not attract as many readers.

Moreover, the reader may feel you lack focus.

– Make an original copy

This is the most important aspect.

Originality always gets an extra score.

If needed, write multiple copies.

 2. The Don’ts Of Writing a Personal Mission Statement

There are some factors that you should always avoid.

It will improve the readability.

It will also help you create a strong statement.

– Don’t copy

You may read hundreds of mission statement.

You find them interesting, attention-grabbing.

But remember that’s not you.

These are accounts of people very different from you.

Your personal mission statement has to be your story.

You may take inspiration or follow a certain style.

But don’t plagiarize.

That is always a big avoid.

It unnecessarily raises a question mark on your credibility.

This is highly avoidable.

– Don’t Harp on one point

Your mission statement is often a peek into who you are.

So imagine window shopping on a street.

Which are the stores that attract you most?

Undeniably, the ones that offer the maximum view or the most varied range.

Your mission statement serves exactly this purpose.

So you may want to stress on a specific achievement or quality.

But make sure to include all other points.

Otherwise, the mission statement will be repetitive and very boring.

As a result, people may lose interest in reading it.

So that will defeat the entire purpose of creating this mission statement.

– Don’t Oversell

This is another point to remember.

You must understand that the personal mission is like a marketing pitch.

Balance is the key aspect to remember.

Whenever there is a lack of this balance, it creates a biased perspective.

As a result, the narrative also suffers.

It becomes one sided and boring.

Also, the reader can understand that you are trying very hard to convince them.

That never makes for interesting reading.

As a result, they will either ignore or reject your application.

Then again your entire purpose of writing this mission statement is nullified.

So, Personal Mission Statement Is Extremely Important

It is not just a documentation of your personal goals.

It is also a reiteration of the personal objective.

In many ways, it also lists out your most important achievements.

So, it is a record of your successes and greatest moments too.

Sometimes in life, when you may be feeling very low, this statement can perk you up.

It can help you achieve even greater highs.

But writing it can be tricky.

You have to maintain a balanced perspective and offer a constructive narrative.

This is very important for maintaining the reader’s interest.

It will also help impress your potential employers and highlight your achievements.

All in all, a well-constructed personal mission statement is a reflection of your true self.

It provides credibility and enhances your efficiency.

Therefore, you need to focus on creating a gripping personal mission statement.

The Best Money Saving Apps to Save Money on Everything

The tryst to save money is omnipresent, whether you go for grocery shopping, garden supplies or designer outfits.

What if you had a money saving app that could guarantee your savings every time you buy.

Well if you thought it is only possible in your imagination, think again?!

Think about all those apps that promise your discounts and cash back.

Now isn’t that savings?

Well, quite a lot of it actually but it is only incremental and over a point of time.

So patience is a keyword here.

We decided to make the task a lot easier for you.

What Are the Best Money Saving Apps?

Money Saving AppsMoney saving apps are the apps that you can install on your phone to get discount or cash back when you shop.

Here is a list of the 10 best apps to save money that are also extremely convenient:

  1. Mint
  2. One Receipt
  3. Goodbudget
  4. DebtTracker Pro
  5. Amazon Local
  6. Expensify
  7. Ibotta
  8. Shopkick
  9. Compare Booking
  10. Best Parking

1) Mint:

Save Money with Mint AppIt is one of the most practical money saving apps.

It is this single app that enables you to keep track of all your financial activity in just one place.

Whether you are looking at your savings or checking your retirement details or want to check your cash flow, it has several security aspects.

It is password protected and you can even deactivate it from your phone from the website in case the phone is misplaced.

It is compatible with most smartphones.

Mint is almost the most popular money saving app.

But it is a lot more than just an app that helps you save money.

It helps you manage all of your financial activities.

Mint enables you have all of your bills and payments in one place.

It helps you not to miss any of the payments due.

You can pay your bill in one go without having to login to several different sites.

This saves you time and money.

It saves time because it makes the payments a lot easier.

It saves you money because you lose money on late fees.

For example, the credit card companies charge you when you don’t pay your credit card bills on time.

The good thing is that Mint is a free money saving app.

Although it is free, it does a lot of things for you that you never have time to do them on your own.

For example, sometimes you are paying a lot of money for the things like your credit cards, mortgage and loan.

Even you are paying more tax for some reason.

Mint finds the same services with a lower fee and enables you so save hundreds of dollars every year on the same services that you have been receiving.

Or, it helps you pay less tax and save a lot of money on your tax.

2) One Receipt:

Many times you want to keep track of all your receipts and control your costs, but invariably you seem to be misplacing them.

This is a very handy money saving app that helps you do exactly that.

It keeps track of all your paper and digital receipts.

In this way, you will ensure that all your receipts are in one place and there is no chance of misplacing them.

You could easily download this app.

However, it is sad to say that they have shut down the site, and so their money saving app is not available anymore for some reason.

3) Goodbudget:

Goodbudget Is One of the Best Money Saving AppsThis is often considered one of the best money saving apps.

This one allows you to sync all your budget and expense plans across devices.

So whether you are saving to buy a new couch in your living room or your husband is making the calculation for a trip to Europe, this one allows you to sync everything together and save the money as a group.

It is compatible with most Android and iOS devices.

As a strong money saving app, Goodbudget can be used for free.

However, by paying $5 per month or $45 per year, you can have unlimited accounts.

You can also have the app on 5 devices and have access to 5 years of history which is great.

4) DebtTracker Pro:

DebtTracker pro Is a Good Money Saving AppLosing control over your debt is often the reason for losing most of your savings.

Though available only for iOS enabled devices, this one is a cool application that can chart out both your savings and debt in a lot more constructive manner.

This money saving app can help you pay off your debt and also help you effectively overcome your financial problems.

You also have visual reminders that help you get a realistic picture of how far you are from your financial goals or how much you have covered in terms of overcoming your financial challenges.

We all know that getting over your debt can be a rather uphill task, but this one enables you to tackle the problem better and route your savings more effectively.

What I can’t get over is that why this app doesn’t have website and is only listed on App store.

The current version of this strong financial app that helps you save a lot of money on everything, has a 4-star rating which is great.

This money saving app is not free and you have to pay $1.99 to buy it.

5) Amazon Local:

Amazon Local Helps You Get a Lot of Discount Everywhere.Another popular and widely used money saving app is the Amazon Local.

This app enables you to look for various deals while you are on the go and search for deals real time.

When used effectively, you can save as much as 75%.

You also have the option to set up specific choices and preferences as per your needs.

You don’t need any specific coupon to take advantage of these deals.

Just buying it through this app will activate the deals for you.

This is equally effective on Android as well as iOS and even Kindle Fire.

Unlike the above 4 apps, Amazon Local is not a financial management app that manages your payments, debts, bills and… .

It is an app that helps you find the best deals and discounts around the area you live in.

This app can save you a lot of money because it helps you pay a lot less on the products and services you need.

Amazon Local even helps you get so many freebies.

It seems Amazon Local is also discontinued and Amazon doesn’t support the service anymore.

6) Expensify:

If you travel a lot for business or otherwise or you are perpetually on the go as in the case of sales persons, this is a very convenient application.

It keeps a record of any receipt that you would have got, records various travel expenses and many other related services.

Moreover, this app can read a paper receipt so do not have to feed in details manually, saving a lot of effort on your part.

7) Ibotta:

This too works both on IOS and Android and helps you get rebates or discount.

It simply takes a photo of your receipts and depending on what you signed up for, helps you take advantage of the various discounts and deals available.

You can also use the various promotional packages that could be available for consumers.

8) Shopkick:

Available on both Android and iOS phones; this application is a convenient money saving app.

Using this app, you can earn points, buy products, ask friends to join your circle and earn rewards by simply walking to a store as well.

This app is so popular that close to 6 million people are using it at the moment and the number is perpetually on the rise.

9) Compare Booking:

This one too is quite prominently placed on the list of best apps to save money.

It helps you compare your bookings across a range of websites and helps you take advantage of the most favorable deals available.

They are effective for searching some of the best bargains on hotels the world over.

The advantage is they compare some of the best known global websites like Expedia.

This, therefore, lends quite a bit of credibility to the entire app’s authenticity and therefore, more and more people are convinced about using it and saving money on every booking they make.

10) Best Parking:

This one works effectively on Blackberry along with Android and iOS.

The interesting bit about this money saving app is that it is very accurate and helps you clock in significant savings.

It gives you ideas about the cheapest and the closest parking options.

In the case of any inaccurate report, they even back up their services with a Starbucks gift card worth $5.

Therefore, people find it as an extremely credible option to look for parking especially on a crowded weekend when everyone is out and looking for parking options close to their destination.

These money saving apps, therefore, can help you get real time gains across a wide range of products from grocery to parking.

Most of these are very effective across operating software like Android and IOS and even Blackberry at times.

This enhances their user friendliness and the convenience associated with the applications.

11 Ways To Improve Your Financial Situation

Improving your financial situation has to be your main concern always. Why?

Because if you are not financially free now, you will be in trouble sooner than later. At least you will be in trouble when you get retired, or if you lose your job suddenly.

When you have no backup, you have not backup.

While I am showing you 15 ways to make some money and improve your financial situation, I want you to pay special attentions to this opportunity which is the fruit of the technology, computer and the Internet: What Is Data Technology and How It Can Make You a Millionaire?

So, here is the list the 15 ways that can help you have a better financial situation.

  1. Invest In Divided Paying Stocks
  2. Invest In Gold
  3. Trade in Stocks
  4. Start A Side Business
  5. Look At Improving Your Credit Score
  6. Don’t Ignore Coupons
  7. Liquidate Your Assets
  8. Cut Down On Utilities Cost
  9. CashBack
  10. Keep A Check On The Deductible Amount
  11. Rent Your Property on AirBNB

1. Invest in Dividend Paying Stocks

Some stocks pay dividends. It means you receive money when you are holding those shares or stocks. That is a good way to have some income through the stocks you buy and hold.

2. Invest in Gold

Some people buy and hold gold. Many of them do it online. They believe that investment in gold can be so profitable all the time, but experience shows that this is not true always. Look at the below chart and you will admit:

Gold Price Depreciation(s)

3. Trade in Stocks and Currencies

Although this is one of the ways that some people make money through, I don’t recommend you to focus on it as a job or as a source of income. You will lose more than what you can make.

Only when you have a reliable and strong source of income, you can increase your wealth through the currency and stock investments. Read one of my most recent posts on this: A Short-Term Investment Strategy That Makes You a Millionaire

4. Start a Side Business

You can make some money at the side with some side businesses: 22 Side Business Ideas That Make Money

In spite of this, if your really want to improve your life and your financial situation, then think about starting a business that can make you rich. Learn more here:

  1. Following a Proven Business Plan Is the Success Key
  2. Scalability: Do Not Start a Business that Is Not Scalable

5. Look at Improving Your Credit Score

That doesn’t generate any income for you. But it can help you have access to better financial services.

For example you can easily get mortgage for your real estate investments when you have a good credit score.

6. Don’t Ignore Coupons

While you take proper actions to generate new source of income, you can also limit your expenses. This helps you improve your financial situation in a better way.

Fortunately, sometimes you can buy the same things with a good discount and cheaper prices.

Visits this category to learn how to take the advantage of coupons and discount services.

7. Liquidate Your Assets

If you need money, you can sell some of your assets. Sometimes you have to do it.

Sometimes selling something that you don’t use, can help you have a better situation.

Many of the things you have, are nothing but expenses. If you can rent your properties, then do it to make some money. If you can’t, then get rid of them, specially if they are in a situation that their value doesn’t go higher.

8. Cut down on Utilities Cost

Some people think there is no efficient ways to cut down the utilities expenses. But there are some very easy and good ways to do it.

For example, you can easily save hundreds of dollars in your gas expenses if you use the programmable thermostats. Learn how to do it: How to Save Money

9. CashBack

Whether you pay your fuel bills, groceries or buy yourself some jewelry, most card payments today entail some amount of cashback for the customers. In fact, you have widespread SMS alerts and even announcements about the same across the board.

A smart shopper will never miss these opportunities to save some money.

You have to check the annual bank statement or the credit card statement to understand the prospect of gains that you can unlock by maximizing the cashback in your account. Of course, you would have to spend some time in looking out for the best deals and ones that suit your need best.

10. Keep a Check on the Deductible Amount

One simple way to save some money, is to increase the auto debit option for the various savings that you undertake.

Another reason that you can make money by raising the deductible is that the moment you raise the premium payment, you end up making significant gains by paying a lower interest rate on your loans.

Whether it is your home loan, car premium or whatever premium payment we might consider, a higher payment will make sire that the interest rate outgo gets moderated significantly. As a result, therefore, you make money in the form of the various savings that these type of transactions entail. In fact, for a more realistic understanding of how much money you can make this way, you must try depositing the savings every month in an account and take stock of the total amount annually. We can guarantee that you would be pleasantly surprised by the outcome.

11. Rent Your Property on Airbnb

A holiday home is something that most people love to have.

But the problem is when the kids grow up, you can hardly go there. It will be nothing but wasting of money.

However, thanks to the Internet and technology, you can rent your property through Airbnb like when you want to get a cab from Uber. You can do it just through your cell phone.

So… Choose the Best Way to Make Money

So if you are looking to have a better financial situation, you must remember the primary mantra is to think out of the box and concentrate on the exact extent of profit rather than the actual method you adopt to achieve it. You must remember the ways that you might opt for to make money should be able to yield a decent profit.

Another aspect to remember in this case is the long-term sustainability of the alternative and how much relative effort that you need to put in this. Because these factors together will contribute towards the actual money or profit that you garner from the proposition. If the cost and effort are more than your profit, it is not a worthwhile alternative.

I strongly recommend you to spend your time and energy on the ways that are easier and better. Here I have some important posts that you must read:

  1. The Easiest Way to Get Rich Fast
  2. Start Your Data Technology Million-Dollar Home Business Now

How to Save Money Fast and Easy

The question, how to save money, is a prime issue for almost all of us.

However, ways to save money is what keeps becoming elusive.

Increasingly, the tactics of saving money seem more difficult, and the extent of your savings never seems to meet your target.

So the question, therefore, is how to save money effectively?

The trick is not to save a lot more money but save it in a manner that can reflect the result in a more pronounced manner in your overall balance sheet.

How to Save Money Fast and Easy

Here is 12 ways to save money fast:

  1. Keep Your Savings in the Bank
  2. Do Your Research
  3. Clear the Clutter
  4. Don’t Spend Your Bonus
  5. Discount Coupons
  6. Look at Making Gift Rather Than Buying It
  7. Stick to Your Shopping List
  8. Save Money on Utility Bills
  9. The Savings Instrument
  10. Start Paying off Debt
  11. Time Your Shopping Sprees
  12. Pay Attention to Your Health

How to Save Money Fast and EasyOne of the best ways to save money is to set a target first and then ensure you stick to it.

The problem is often not in setting a goal but rather a goal that is realistic.

It often happens that we randomly fix a savings goal without giving a lot of thought to it.

As a result, it is either a very small amount or a rather large amount.

It either falls short of your savings goal, or your savings goal is rather inadequate.

So the answer to, how to save money fast is often about how to save money effectively.

There are some key steps that you must follow to realize this:

  1. You must be careful about setting a savings goal.
  2. Now your savings goal should not be any random figure.
  3. You must make a careful calculation about your future expenses, current savings and arrive at a reasonable number.
  4. Once you decide on the savings target, it is important to stick to it.
  5. Decide on how to meet your savings goal. It is always a good idea to keep aside small sums of money every day or every week.
  6. If you keep postponing savings till the last moment, invariably you will fall short of your target.

Saving Money with the a Realistic Vision of the Future and Also the Present Possibilities

Therefore, the easy ways to save money is always about systematic savings made with a realistic vision of the future and also the present possibilities.

This is how effective goal setting can go a long way in enhancing your savings in a constructive manner.

This method of savings ensures that saving money never becomes a burden on you and you are able to always add to your savings little by little.

The smallest of money that you keep aside can often yield great results, thanks to the laws of computing.

Additionally, it is very important to maintain disciplined savings record.

It is not sufficient to just calculate how much money you need to save; you have to work towards ensuring that you actually do that.

One of the best and most sustainable ways of savings is being strict with yourself and not allowing any leeway for potential slip ups and any kind of shortcuts.

Discipline is really a cardinal word in both creating a savings target and also sticking to it.

Once that is done, we guide you on some simple ways of how to save money.

1. Keep Your Savings in the Bank

Keep Your Savings in the BankWe all have a different approach to savings. Some prefer a piggy bank, and some could be comfortable in stashing them aside in their safe. But keeping your money in the bank is one of the easiest ways to save money.

Not only is your savings more secure there and not prone to theft, but a bank also allows you to enjoy several perks and helps your money grow.

Even the basic type of savings account will yield you a certain minimum interest.

So the smallest penny that is added to your account is your gain.

Moreover keeping your money in your bank account would mean that this savings is accounted for and you can also use a part or whole of it to claim tax benefits and many other facilities like bonus for new customers and the like.

You can easily compare all the available alternatives that you might be having and go ahead with the option that is best suited to address your needs.

Also in case, you have an account, it always helps to look out for other bank accounts that might offer a more attractive interest rate or better terms of operation if you save your money with them.

The trick is to keep your eyes and ears open all the time.

2. Do Your Research

One of the best and fastest ways to save money is to do the research on your own.

Do not just go by the herd mentality.

Do not go and invest in a particular savings instrument because your neighbor suggested so or perhaps your brother earned a lot.

It is always important to do a thorough research on your own and decide the most effective channel of savings your money on your own.

Think hard about all the possible savings tools that are available to you and then take a call on the kind of returns that each one offers.

It is always wise to go for an option that offers the best possible returns from your perspective.

Do not just choose a savings tool that others might have used.

Remember that one man’s poison could be another man’s cure.

That is the advantage of doing your own research.

Not only you are more in control of how much return you can earn, but also this gives you a better idea of the kind of instrument that you need to choose to get the kind of returns that you require to save money in a better and more efficient way.

3. Clear the Clutter

Save Money on Garage SaleSome of the best ways to save money are not always about keeping money aside.

You can also save money by clearing away unwanted things and clutter around you.

Sometimes you would realize that you might have 3-4 old mobile phone sets that you do not use any longer but are in good shape.

So stop stacking them any further.

It is always a great idea to go sell them to people who might need it and are looking for some.

Thankfully, you have many websites now where you can sell used products.

Not only does it help you in clearing clutter but using the money to save more.

Another list of products that fall in this list is the collectibles.

I am sure, over a point of time you might have accumulated many such collector’s items too that you do not require any longer.

It is a very good idea to take stock and get rid of these at the earliest.

It helps you in clearing the mess and also earns some money from investments in past that hold no value anymore for you.

Often this whole exercise also helps you take better stock of your needs and expenses.

One of the other ways to make and then save some free cash is selling the relatives’ and friends’ things that they don’t need.

You can ask them to give you the things they don’t need, from the gardening tools and machines to toys and shoes and clothes.

You don’t have to tell them what you want them for.

Just tell them that you need the stuff for some reason.

They don’t need those stuff, so they don’t care.

Then you can sell them online through the sites like Kijiji and Craigslist.

It becomes a lot of money.

You can then save it in your bank account.

4. Don’t Spend Your Bonus

Save Your BonusOne of the biggest ways to save money would be to save all sudden lump-sums you get.

What do you do when your company pays you a bonus?

How do you spend a big amount that you got as an inheritance or may be a savings maturity?

Well, the guide to all those sudden windfalls that you get is quite simple.

You should just go ahead and save it.

Look at the most effective means of saving this money and invest it there.

Do not use this amount for spending.

Remember your spending and expenses were being taken care of even without this additional amount.

Moreover, it never helps if you think you will spend now and save later.

Just imagine how much return the money that you spent now could have yielded in future.

There is no limit to spending, but savings almost always get side-stepped.

This is exactly why when you get a windfall or sudden inheritance, the best approach is to re-invest and enjoy the returns that the principal yields.

It is never wise to use up your entire principal and save nothing for the future.

5. Discount Coupons

Save Money with CouponsIf you are planning to save money, keeping money aside every month is not the only way to save it.

Let’s get one fact straight.

Savings is a lot about cutting down expenses also.

Keep a note of the various discount coupons that you can avail of and the many reward programs that you would qualify for.

While you might not realize it on per spend, but the fact is all these small savings that you make on every set of purchase will eventually add up to your net savings in the long run.

Moreover, the benefit of your reward programs is that this is not just a one-time savings.

For every purchase that you make, you earn loyalty points, and these can mean significant savings over a point of time when the time comes to redeem these points and cash in on your savings.

It can often surprise you about the amount that can add up when you keep saving little by little.

Look for deals which allow your cash back too.

Probably you do not realize, but even $1 cash back and 100 such transactions would mean $100 gain.

Think how much time and effort is required to save the same amount of money.

This will enable you to then value these savings and profits a lot more than you would have done otherwise.

Additionally, the interesting aspect of these cashback deals is the fact that they mean dual savings.

First, you save by buying a discounted product and next you earn cash back.

Therefore, this always helps you to maximize your net savings.

However, it does not happen overnight.

You have to undertake research, keep note and remember to execute the deals at the right place in the right manner and most effectively as well.

6. Look at Making Gift Rather Than Buying It

Save Money by Making GiftsWhen you are making your monthly expense sheet, have you ever wondered the kind of money that you spend every month in buying gifts every month?

Perhaps you do not realize it, but the expense is quite a significant bit of your entire monthly budget.

Now imagine if you could make these gifts instead of buying, you would be able to do it all in perhaps one-third of the total cost and also better customize it as per the person’s preference you are gifting to.

You serve a dual purpose with this exercise.

Not only are you able to cut down on the expense part but also your gifts become a lot more personal and can make a better and bigger impact.

People would be so thrilled that you took the effort to make them a gift instead of buying just about anything over the counter.

Additionally, making a gift will cut down costs so drastically that for the same amount that you spent to buy one person’s gift will now be sufficient to buy gift materials for 3-4 individuals.

Now add the extra amount to your monthly savings and look at the difference.

You will be surprised by the outcome of this tactic to save money.

7. Stick to Your Shopping List

Of the many ways to save money is about having a disciplined approach in your overall spending.

Have you ever realized how you often end up spending a lot more than you budgeted for?

One simple way to solve your overspending trend is to create a shopping list.

Always ensure that you make a shopping list and stick to it.

Not only will it cut down wastage but also ensure that your expenses stay within budget.

Perhaps you do not realize, but the wastage associated could also be the best ways to save money.

Let’s face it; it happens with all of us.

When we see a particular thing in the shopping mall, we feel that it could be of great utility but when the thing ultimately lands on to our kitchen counter, it remains to lie there for the longest possible time, serving no purpose at all and finally often it get thrown.

So the best way to cut down this additional expense, as well as the resultant wastage, is undoubtedly sticking to a plan and buying strictly according to your shopping list.

8. Save Money on Utility Bills

Using Programmable Thermostats to Save Money on Utility BillsIf you are wondering about how to save money fast, let me reiterate again, saving money is a lot about cutting down cost and in this regard, the utility bills that we get every month play a very crucial role.

Closely analyze your utility bills, be in the electric bill, the heating charges, the phone bill or any other miscellaneous services.

Think about what all expenses you have incurred and make a point by point note of how much money you can save by being careful with your usage.

Simple acts like switching off fans and lights when not in use, using energy efficient appliances and light bulbs, using the dishwasher and washing machine on full load and many such related services can help you make a significantly large saving over a point of time.

It is possible that initially, you might not even take note of the kind of savings that you are making but patience is a key.

Over a longer period, say 6-8 months, you will be able to get a much clearer and distinctly lower utilities bills by observing simple conservation policies.

The added benefit is you are also doing your bit towards reducing carbon footprints in the environment.

One of the best ways to save money on gas is using the programmable thermostats that can save you as high as $200 per month in winter.

You can program it to lower the temperature at morning when everybody leaves until an hour before you return.

It doesn’t make sense to keep the house warm for several hours during the day when nobody is home.

It is the same with your office.

You can program it in summer to turn off the cooler when nobody is home.

Believe or not, but if you do it properly, it can save you several hundreds of dollars every year.

9. The Savings Instrument

The savings instrument that you choose can play a crucial role in your quest towards saving money fast.

While we all know that systematic savings will yield steady returns, I am sure none of you mind a few thousand extra in your savings kitty.

The good news is achieving it is not that difficult.

The only problem is you have to be careful in terms of the instruments that you choose, do a full-fledged research and undertake the complete analysis of the risk associated.

Well, you must have heard that to save money fast, you need to have a higher risk exposure.

The more money you make, the higher the risk exposure goes.

While that is not entirely wrong, even conventional and low risk investment instrument can also yield significant returns.

The trick is tapping them in the right manner and investing in a disciplined way.

You must remember that you need to take a comprehensive view of the returns vs risk ratio.

Only that will be able to justify the exact wisdom in choosing a particular instrument over another one in the long run.

For example, if you choose stocks to save money, look for the dividend paying counters.

In that way, you earn both ways, when the stock price goes up and also the regular dividend that the company might be offering you.

When you choose mutual funds, go for the ones that have given higher returns over 10-15 years period. Do not just choose an instrument because someone suggested it to you.

It is very important that you closely calculate the average returns and also choose an instrument that gives you the option to save systematically in a phased manner.

10. Start Paying off Debt

I am sure that you already understand by now but let me reiterate, the best way to save money is most importantly saving your unnecessary expenses.

Debt in this regard plays a big role.

Think of the amount that you pay off every month as just interest on your debt.

While the principal that you used as loan or credit card expense could serve as instant gratification, think of the amount, you could have saved by not paying the small installments due every year for the past ten years.

Often the amount that you get is huge, and it can be often shocking.

So start the practice right now.

Start paying off all your debt in a systematic fashion, avoid the use of credit card as much as possible.

It is a huge temptation no doubt, but over the longer term, you will only lose more money in that process.

If you can afford expenses of $500 only every month, so be it.

Do not get into the trap of credit cards and incur unnecessary debt.

They are almost the easiest ways to get into a bad debt and questionable financial quagmire in years to come.

11. Time Your Shopping Sprees

An interesting way to save money could no doubt be taking advantage of the sales and buying when you have discount offers.

But the problem is many times, you have to do with improper quality, unsatisfactory designs and as a result, spend a lot more in buying from non-discounted items.

One simple option could easily be choosing to buy just after the holiday season is over.

Demand is unusually low, and often you get great options at a significantly large bargain.

This is often because the season just went past and people would not need any of these holiday supplies right then.

Shopkeepers, on the other hand, have to make do with additional inventory, and they do not mind parting with as many as they can, even on a slight discount.

So while your Easter egg decoration kits could cost the moon, the day before Easter, a day after it is only good for next year and is available at a rather huge bargain.

Therefore, all you need to do is plan ahead and shop in a manner that can help you earn the maximum returns or take advantage of as many offers as you can.

12. Pay Attention to Your Health

In the list of best ways to save money, are you wondering why I am mentioning health?

Well, I am sure you have heard the old saying that talks about ‘health is wealth’.

Well indeed think about the amount of money you can save every month by cutting down your health expenses every month.

You can help save a lot more by paying more attention to your health, conducting regular health check-ups and living a disciplined life.

This ensures that your expenses towards your health are much lesser and savings a lot higher.

Therefore, the best answer to how to save money would be undoubtedly maintaining a disciplined and prudent approach in not just the way you save money but also in the way you handle your expenses.

An analysis would reveal that you can save a lot more money by cutting down expenses rather than trying to invest more than you can afford to.

Moreover, trying to save money in an unrealistic fashion could also result in compromising your current expenses.

So, one of the best ways to save money would be to balance your expenses and investments in a well structured manner with a comprehensive view of the future needs.

How to Get Free Money to Save $1,950

If you thought the concept of free money was just mere imagination, think again.

Around us, there are millions of deals offering us cash back, savings, discounts and what not.

In fact, studies indicate almost every business house gives away some money for free at some point of time.

Predominantly the money is given away for free in the form of certain promotional initiatives to increase awareness about the product or boost the overall sales.

Just to drive home the point, here is a quick look at how you could save as much as $1950 using these promotional offers.

Maybe you say it is not worth spending time to get these free offers and cash.

But you don’t have to spend any extra time on them.

These are the things sometimes you pay thousands of dollars every year while you could save a lot on them.

The only thing that prevents you from getting these free moneys is that you don’t know about these offers.

The related companies will even appreciate you if you get the free money from them.

So, don’t say no to something that is offered to you for free while it will have no problem for you.

Why Should You Get Free Money?

Why Should You Get Free Money?I know you are wondering why I am helping you save money or even get free money.

It is because every day I see so many who have good ideas and want to start something new, but unfortunately they don’t have the startup money.

Saving some money or getting some free money helps them a lot.

Additionally, I see so many others who work hard to make a living, but still their income is not enough to cover all their expenses.

I help them create some new sources of income and even start a new business.

But while the new ideas and approaches haven’t made any money, they can save some money and get some free money to lower their financial pressures.

There are so many ways you can get free money or save a lot of money:

  1. Amazon gift card
  2. Free money on car usage
  3. Stash app
  4. Cutting down on your utilities bill
  5. Creating an account on netspend
  6. Cut down lunch expenses
  7. Survey sites like swagbucks
  8. Bonus from banks
  9. Cashback credit cards
  10. Gobaby
  11. Selling your unused clothes

1) Free Money from Amazon

Free Money from Amazon Gift Card

Amazon gift card is worth $10.

I am sure you have heard of many cash back sites that have potential to offer free money.

My points is one such site.

The benefit is that once you sign up on this site, you can get connected with many major shopping brands like Amazon, WalMart and Target.

All you have to do is buy anything worth $10 from any of these brands and instantly get a reward of 1750 points from the site.

Now the icing on the cake is you can easily redeem these points to buy $10 Amazon gift card.

Well, you would agree then this money is absolutely for free.

2) Free Money on Car Usage

Get Free Money on Car Usage

If you are wondering how using your bike or avoiding your car can help you earn free money, let the numbers do the talking for you.

If you cut down on the car usage or totally eliminate it, you could save anywhere around $200-300 every month.

Even if you do not want to ride a bike and opt for a car pool instead, you would still spend only one-third of the money you need to maintain a car on a monthly basis.

So, on an average, let’s say this helps you earn $200 a month or $5-6 a day every month.

There is another good way of getting free money on your car or even get a free car:

There are some companies that pay you to wrap up your car with their ads.

Some of the other companies even give you a free car which is wrapped up with their ads.

They just give you the car to drive on your city’s streets and let people see the ads.

Of course, you have to apply and be qualified to get a free car or get paid to drive a wrapped up car.

One of the most important conditions you have to have is having a good driving record and also driving a certain number of kilometers every day.

Just imagine… you save $200-300 per month or $2,400-3,600 per year or even more.

3) Download Stash

Stash Is a Money Saving App

It is essentially a money saving app that helps you with your investment strategies and the best bets to save money or rather earn free money.

Just by downloading this app on your smart phone, you make a cool $5, and that’s not just a mere promise.

You will see this amount being added to your account in just a few days after you have downloaded the app.

This app works equally effectively on both Android and iOS phones.

4) Cut Down On Your Utilities Bill

Save Money on Your Utilities Bill

Have you ever wondered the kind of money you are wasting or misusing by not moderating or adjusting your power/water usages appropriately?

The study shows that turning off the electric light when not in use, repairing taps and avoiding leakages, rationalizing washing machine/dishwasher usages and installing shorter faucets can cut down your bills by as much as $30-50 a month and over $600 every year.

Even the heating systems that you use can be set to more moderate temperature settings, and your bills could come down by nearly 5% with this small tweaking.

5) Creating an Account on netSpend

Get Free Money with NetSpend

These are promotional strategies used by companies to further their products but why would you complain?

It helps you earn some money absolutely free and without making any effort.

All you need to do is log on to this site and request for a prepaid card from netSpend.

It is a perfectly credible claim, and till date, over 200 known users have cashed in on this opportunity and pocketed the cool $20 that comes absolutely free.

The added advantage the Netspend Visa card will be at your doorstep in less than 10 days without any hassle.

You can then easily load your card with the bare minimum required to claim the free $20.

6) Cut down Lunch Expenses

Cut down Lunch Expenses

You thought carrying your lunch was cumbersome and it was easier to buy instead.

But did you realize the amount of money that you had to spend and how much you would save if you carried yours?

Just by carrying home prepared lunch, your weekly savings could be close to $50.

Now you don’t have to be a mathematical genius to compute the kind of savings that this would entail on a monthly or yearly basis.

So why part with this free money when you have the option to buy.

7) Survey Sites Like Swagbucks

Well, we all know responding and filling up surveys could help you earn some free money but did you know that simply by signing up on some of these sites like Swagbucks, you could earn as much as $5.

Now add the additional $25-30 you could make every week by filling up some simple surveys every day.

What’s interesting is these surveys are so basic; you can even fill them while watching television of something that engrossing.

The idea is to remember to log in and do the needful.

8) Bonus from Banks

Have you heard about banks doling out free money?

Well, that is true.

There are many banks that could add as much as $250-300 to your account for simply agreeing to bank with them and opening and account in their bank.

Multiple bank accounts are never a problem and why would you mind it if you are earning an additional $200 plus from such an act.

9) Cash Back Credit Cards

Get Free Money with Cash Back Credit Cards

What you get from the cash back credit cards is the real meaning of free money.

Personally, I haven’t tried many of the above methods.

For example, I have never driven a wrapped up card.

Or I don’t use the Stash money saving app.

But I am a big fan of cash back credit cards and I have been using them for so many years.

There is a big competition among the credit cards companies.

Therefore, they do their best to offer the best benefits to attract more customers.

Many of them have no monthly fee and as high as 8% cash back.

It means (1) you use the credit card for free; and (2) 8% of the money you spend with the card, will be back to you.

It can be paid to you as a free cash, or be added to your credit card balance.

Having just one cash back credit card and doing all of your payments through it, can save you thousands of dollars every month.

Let’s say you spend $3,000 per month on groceries, gas, car, cloths and everything you buy.

You get $240 back every months which is $2,880 per year which is really free money.

I am used to collect my points and then redeem them once every year.

I spend my points to buy Esso gift cards.

Therefore, my gas and car wash is free at least for 10 months of each year. Can you imagine?

10) Gobaby

This app is a unique union of convenience and business sense.

This enables parents with kids to rent space consuming and heavy baby gears like prams, strollers, etc. from local parents.

The local parents only have to get the logistics organized to earn a pre-decided rent amount for leasing out something which they might not even have any use any longer.

It is conducted pretty much the way we rent out apartments on a trip.

11) Sell Your Unused Clothes

You keep changing your wardrobe and introducing new clothes but have you wondered what happens to the old ones.

Most times, they just keep lying in some corner of the closet.

One simple solution could be sell them on a second-hand site and make some free money out of it.

If you can negotiate well, you can earn more than $1000 a year from this initiative.

Free Money… Free Life

The point is free money is pretty much floating all around you in this consumer driven economy.

The trick is to identify the opportunity and cash in on it appropriately.

How to Get out of Credit Card Debt Before Getting into Trouble

The credit card debt is one of the most illusive transactions.

You keep getting deeper into a sea of debt without realizing it.

You feel empowered and you feel you can suddenly afford more.

But all that happening is you sinking into a bigger debt hole.

What’s even more worrying is ways to get out of credit card debt is very tricky.

The truth is you need the discipline to get out of credit card debt.

Ways to Get out of Credit Card Debt Fast

Ways to Get out of Credit Card Debt FastHere is the main 6 ways to get out of your credit card debt:

  1. Take Stock of Your Credit Card Debt
  2. Stop Using Your Credit Card
  3. Organized Approach Is Important
  4. Create a Strategy to Pay-Off Debt
  5. Keep a Track of Your Progress
  6. Transfer Balance

We will help you understand how to get out of credit card debt.

Statics indicate that an average household has over $15000 of credit card debt.

If you calculate carefully, you pay back almost double the amount.

So, it is never simple to get out of credit card debt.

The more you try to extricate yourself, the deeper the problem grows.

By using some simple principles of fiscal prudence, you can be debt free.

But it is an uphill task.

You cannot expect a quick or easy solution.

You have to give time and wait for the result.

Remember if you want to know how to get out of credit card debt fast, you need patience.

1. Take Stock of Your Credit Card Debt

Let us assume you have 5 credit cards.

You cannot pay off all your credit cards all at once.

Remember it is a gradual process.

Prioritize the amount and interest you owe on each card.

This will help you identify the specific card or amount where you are paying higher interest.

Try tackling one card at a time.

You can keep paying the minimum amount in other cards.

But for this one, try utilizing every additional cent.

Every time, you pay off the debt in one card, you have additional cash.

So, you can then use this additional cash in repaying the debt in another card.

This is undeniably one of the most systematic ways to get out of credit card debt.

It will also help you make more savings.

This is because it also reduces the monthly interest charges fast.

However, if you are looking at improving the score, the strategy is bit different.

In this case, you have to reduce debt faster from the card with higher utilization.

This is because you have different parameters for creating the credit score.

The lower your utilization rate is, the better the credit score.

Moreover, it will also fill you with a sense of accomplishment.

When you pay off the debt in one card successfully, you will be more optimistic.

You will have greater confidence about becoming debt free fast.

This feeling can go a long way in motivating you to get out of credit card debt.

So, it is very important that you make a realistic assessment.

This will help you strategize effectively.

Additionally, when you go ahead with a plan, the outcome is well defined.

It helps you set the tone for your future transactions as well.

2. Stop Using Your Credit Card

If you want to know how to get out of credit card debt fast, it is important to stop using it.

Remember credit card debt keeps increasing every time you use the card.

Your outstanding amount always takes into consideration every additional penny you spend.

As a result, this also affects the overall interest amount.

Your interest is always calculated on the latest balance.

So your monthly interest outgo also keeps increasing.

By paying the minimum, you will take a really long time to pay the credit card debt.

Compared to the cash payment, consumers spend more on card payment.

Many research studies indicate that consumers are sometimes ready to pay double on the card.

If you want to get out of credit card debt and still using it, you are nullifying your own effort.

It is pretty much like sitting on a branch and trying to chop it off.

You pay on one hand and spend on the other.

This is an extremely vicious circle that tends to grow larger.

So if you want to get out of credit card debt, stop making any more payments via card.

This way, you will completely stop any addition to balance.

So the outstanding balance does not keep ballooning every month.

You now have a set amount that you need to repay.

You can calculate and create a repayment plan for this.

By completely stopping credit card usage, you also adopt a different habit.

This is also a very important step.

You have to remember credit card spending can be very addictive.

It is not that simple to withdraw.

So a complete stop creates the force necessary to prevent it from growing further.

3. Organized Approach Is Important

If you want to know how to get out of credit card debt fast, an organized approach is necessary.

Most times, debt is an outcome of unorganized finances.

So when you want to get back on track, it is vital to organize the spends.

You need to document carefully to be organized.

So, the first step is about creating an excel sheet.

Fill in details of all the credit cards one by one.

Put down the total amount of debt and your plan of action.

Also, note the amount of interest on each one of them.

In this way, you can prioritize a lot effectively.

Essentially it gives you a clear picture of the exact extent of the problem.

After all, if you don’t know what the problem is, how can you deal with it?

The next step is scheduling the payment plan.

Update this excel sheet every month and put the new figure.

This will help you get a proper insight into the exact debt liability.

It is needless to mention that this type of perspective enhances the overall understanding.

It helps you to work out a proper schedule.

Moreover, you can understand the kind of expenses that you need to curb as well.

But all this is possible only when you organize your finances.

So you need to be organized to be debt free.

– Consolidate Debt

Sometimes, consolidating your credit card debt can also be beneficial.

Let’s say you have $50,000 debt spread across 5 cards.

What you can do is borrow money and pay off all of these.

What you need to repay is this single payment avenue.

This means your average interest rate also comes down.

Moreover, you make big savings on processing charges.

Each bank levies its own individual rate.

But when you have borrowed from one source, you only need to pay the charges there.

There are many avenues now like Lending Club and Prosper.

These are essentially online lending opportunities.

They encourage this kind of debt consolidation initiatives.

– A Budget Is Necessary

The next step in trying to be debt free is creating a comprehensive budget.

If you want to get out of credit card debt, bid adieu to unnecessary expenses.

The name of the game is to develop a realistic perspective on the entire deal.

This will help you understand the expenses that you need to sacrifice and ones you can’t.

I agree that you can’t make changes overnight.

You can’t change your lifestyle frugal from lavish overnight.

But at the same time, it is important to make an effort.

You can start making changes bit by bit.

This will help you create long-term benefits.

Remember the popular saying, many a penny make a pound.

Well, that’s exactly how you have to control your expenses.

But now your budget allows you to eat out just once a week.

So the amount you save is close to 4 dinners outside.

Rather you were stretching yourself for four additional dinners outside.

Your resources allow you only one.

But you can understand these clearly only with a budget.

In the absence of a budget, you will not be able to make the proper assessment.

So you have to immediately cut out some of the expenses.

Reduce some others and make compulsory weekly allotments.

But making a budget is not sufficient.

You have to make sure that you follow it closely.

Make sure you stick to the budget as much as possible.

That’s how you can get out credit card debt fast.

4. Create a Strategy to Pay-Off Debt

Another advantage of a budget is you know the amount of money available.

That means you can then create a well-constructed payoff strategy.

Let’s say you have been able to generate an additional $500.

You can then divide this amount accordingly among your dues.

Broadly there are two main strategies to follow.

One common strategy is choosing the highest-interest rate one and paying it off.

That is undeniably one of the best ways to reduce the outstanding balance.

In this, you use the extra cash generated to start paying off other cards.

The next strategy is diametrically opposite.

This does not make a whole lot of monetary sense.

But at the same time, it is helping you cut out some amount of debt.

In this, you target the credit card with the lowest outstanding balance.

So, at the same time instead of paying off one card, you can look at paying two.

It is undeniably a huge psychological boost for an individual.

If you are trying to get out of credit card debt, this is alternative.

Also by the end of a certain period, you have paid off some amount of money.

Depending on your financial abilities, you can choose a specific strategy.

Your strategy needs to address your priority appropriately.

Remember the fundamental idea is to be debt free.

That needs to be addressed at all cost.

Calculate your outstanding and choose a plan of action.

– Avoid Plastic at All Cost

There are innumerable studies that indicate people tend to spend more on cards.

In fact, there are instances where people are even ready to pay double the cash amount.

Plastic lends a unique mental comfort.

You are paying without worrying about who foots the bill now.

Of course, it is a different matter that you are sinking deep into credit card debt.

But the fact is the moment you need to count hard cash and pay, you stop to think.

You inadvertently get more contemplative when you have to part with cash.

That can often help you save a significant amount of money.

Plastic, on the other hand, makes you irreverent.

You don’t worry about how you are going to pay the money back.

The fact that you can pay now without worrying is a major ego boost.

It often makes you forget about the long-term implications.

As a result, one tends to incur unnecessary expenses.

So, if you want to rein in your spending, avoid plastic.

Keep it as out of reach as possible.

This will at least ensure that your current balance does not increase.

Once you get a handle on that, you can easily work to get out of credit card debt.

– Create Goals

Setting a target or a goal is immensely important.

This alone helps you get out of credit card debt fast.

Create comprehensive and realistic goals and stick to it.

It is equally important to be convinced about the goals you have created.

That will help build your focus and motivate you to repay the amount.

Think of all the things that you can do once you have repaid the debt.

Maybe you can go for your dream vacation.

You can even plan to buy your own house or a fancy car.

The trick is to maintain focus.

That will help you motivate yourself and pay off the debt.

Whenever you get tempted to spend beyond your means, remind yourself.

This will, help you maintain the focus, work towards repaying the debt.

Often this focus is the core foundation of your repayment exercise.

One interesting option is to write your goals.

In that way, you can keep reading it and reminding yourself.

This will undeniably help you become debt free a lot faster.

It maintains a steadfast focus and helps you work tirelessly towards that end.

5. Keep a Track of Your Progress

Documentation is very important while dealing with debt.

Earlier we highlighted the importance of budgeting your income.

Now it is also important to track your progress.

Take stock of your financial position at regular intervals.

This will help you track how much debt you have repaid and what remains.

Let’s assume that your current income has increased.

That means for the same amount of debt; you have more money available.

But all of these are crucial details that are floating around.

Only when you track it down point by point, you can get a clear picture.

In many tracking your progress also helps boost your self-esteem.

It fills you with confidence and makes you believe in your abilities.

The bottom line is you can achieve your goals if you set out for it.

You can also put reminders and regularly check the calendar.

Basically, there is no pre-determined rule for checking your progress.

You can pretty much adopt any means that helps you to compare with previous data.

The regular tracking also helps you deploy the additional money generated in a proper way.

Whether you invest in repaying fresh debt or create an emergency fund, is your call.

6. Transfer Balance

A balance transfer is also a convenient way to repay debt fast.

You can use this to pay off the balance on one card at 0% interest rate.

Once that is taken care of, you can easily focus on other high-interest loans.

As a result, the average interest fee on your credit card debt also reduces.

It is needless to mention that this opens up a considerable amount of additional fund.

As a result, your financial situation is not as stretched as it used to be earlier.

So slowly and steadily, you will start seeing the light at the end of the tunnel.

It Is as Much About Diligence as It Is About Discipline

When you explore how to get out of credit card debt, remember it is multi-pronged.

Clearing the credit card debt is as much about diligence as it is about discipline.

In fact, every strategy has its own set of advantages.

The choice is ultimately yours.

How quickly you can get out of credit card debt depends on the strategy you adopt.

It all depends on your exact position, fund availability and commitment.

Moreover, you can have an aggressive approach or a passive laid back one.

In most cases, it is the approach that makes the difference.

It helps you prioritize and plan how to get out of credit card debt fast.

How to Get out of Debt Fast Before Becoming a Heavy Debtor

You can get into debt very fast, but the trick is to get out of debt.

Debt is often like a deep and dark trap.

It is never easy to get out of debt.

Often the ways to get out of debt is like dieting.

You have to be diligent and dedicated.

You need to observe fiscal prudence over an extended period.

Also, you have to pare down your exposure gradually.

Most importantly there has to be a proper game plan.

You need to start getting a handle on your debt situation.

Ways to Get out of Debt Fast

Here is the list of 12 of the best ways to get out of debt:

  1. Credit Card Concerns
  2. Calculate Your Exact Debt Liability
  3. Stop Using the Credit Card
  4. Decide Not to Borrow
  5. Negotiate the Interest Rate on Your Credit Card
  6. Liquidate Your Liabilities
  7. Make a Budget
  8. Create an Emergency Fund
  9. Look for Additional Funding
  10. Try a Balance Transfer
  11. How Do You Spend Your Sudden Windfall?
  12. Don’t Step Away From Discipline

You have to identify the key triggers for debt.

This will help you become debt free fast.

This will help you create comprehensive repayment target.

How to Get out of DebtBut remember this is an uphill task.

It is easy to get into it but getting out of debt is complicated.

Many times, people give up in between.

But that’s also because they tend to approach the problem haphazardly.

It is very important to introduce a systematic approach.

That is important when you are exploring how to get out of debt fast.

1. Credit Card Concerns

One of the biggest problems while dealing with debt is the credit card.

Even before you realize, your credit card debt can snowball to your proportion.

You may be using it for genuine reasons, but the exact amount keeps growing.

Soon a good chunk of your monthly salary goes in repaying this amount.

This also has a domino effect on your other savings.

This is because you do not have sufficient money to save elsewhere.

All your extra funds are directed towards repaying debt.

Additionally, this is a long drawn out process.

So, you tend to keep using the credit card even more than normal.

As a result, the overall debt grows even wider.

2. Calculate Your Exact Debt Liability

Often this is the first step in to get out of debt fast.

There are still innumerable people who randomly pay outstanding dues every month.

They have no idea about their exact debt liability.

They just keep paying.

The result is you get trapped in a vicious cycle with no sight of any light.

This is exactly why you must first calculate how much debt you owe.

Remember the minimum payment is a mere trap.

Most times, customers fail to do the mathematics.

They don’t realize how much interest cost they are paying.

So once you have the exact debt amount in mind, you can calculate better.

You can segregate your various outstanding and draw up a plan to repay debt.

This is a systematic approach that can help you steadily get your debt under control.

Remember you cannot get out of the debt with a magic wand.

You have to make constant effort to get over the problem.

One of the first steps is this calculation.

This will give you a realistic picture of the interest cost.

That alone will help you make effective plans to rein in your debt.

3. Stop Using the Credit Card

This is the reason; one of the easiest ways to get out of debt fast is to stop using the credit card.

At least for the time till your debt is repaid, try not to use the credit card.

Remember the more you use it, the higher the outstanding balance is.

So the first step is always about putting a number on it.

This will help in limiting the exact debt liability.

By not using the card, you ensure that it does not increase any further.

You can then plan a repayment strategy.

If you want to get out of debt, this is also a crucial point.

Carefully consider your finances.

Make a realistic assumption of how much money you can spare.

Based on that, you can then create a payment schedule.

It is essential that you pay more than the minimum amount.

This alone can make you debt free faster.

If you continue paying only the minimum amount, it will take a really long time.

The cost of debt also increases significantly in this period.

So, the overall debt liability and the cost of debt increases significantly.

It brings down the interest liability over the longer term.

4. Decide Not to Borrow

One of the biggest achievements of not using the card is limiting your borrowing.

When you stop using the card, you are making a conscious decision.

You are deciding to limit your debt exposure.

This decidedly means you have to pare down your spending.

Consider the reason why your credit card debt rises.

Often we use the credit card to fund spending that our income does not support.

Now you have to work towards reducing exactly this trend.

Remember, the ultimate repayment is going from your salary.

So, you have to decide not to borrow.

You have to decide to limit your spending.

Your monthly expenses should be in sync with your income.

That means you have to decide to forego certain expenses consciously.

So, for the time being, you may have to do with your old car.

You may have to begin compromising on the brand of clothes you wear.

Remember to get out of debt fast, you need to focus better.

You have to single-mindedly track your own spending trend.

That alone will help you limit the liabilities every month.

The efficiency of your repayment strategy also depends on that most times.

5. Negotiate the Interest Rate on Your Credit Card

If you ask me, a thorough understanding of your finances is crucial.

This will help you address your debt liabilities way more effectively.

One of the key constituents is the huge interest rate on your debt.

So, it is always advisable to call up the credit card company and get details.

Find out how much interest you are paying every year.

This will help you understand the exact loan amount, the interest part and other charges.

Most credit card companies levy a truckload of charges.

Most times customers tend to ignore it

When you feel that your interest rate is too high, it makes sense to call the card company.

Try and negotiate a lower rate with them.

In this way, you can save some amount of money every month.

Also, it will create better opportunities to improve the credit score.

You can also look to negotiate the various other bills that are levied.

In fact, you can even look to cut down the annual fees.

Remember every dollar saved will help in making you debt free.

Therefore, there is no harm in taking that chance.

6. Liquidate Your Liabilities

When you are looking at how to get out of debt fast, think of Larry Crowne.

One of the first steps that the protagonist takes is to sell everything he does not need.

He traded his big house for a smaller one.

Then, he sold his car and bought a scooter.

He started shopping at a thrift store.

Well, that is exactly what you need to do to manage your debt.

You have to reduce your spending.

But at the same time, you will need to identify trouble spots.

So if your house mortgage is making a big hole in your overall spending, cut it down.

Simply look for a smaller house.

You can target a bigger house once you can afford it.

In case you feel public transport is cheaper, sell your car.

Remember a car entails significant maintenance cost and also fuel expenses.

If you think that your overall spending can reduce this way, simply go for it.

The idea is to limit your spending within a budget.

Essentially whatever money is left after paying the debt is your monthly spending.

So you have to do everything to limit the expenses.

That’s the best way to be debt free fast.

7. Make a Budget

When you are looking at ways to get out of debt, a budget is very important.

Effectively that is your account statement every month.

It carefully calibrates how much income is generated and how much you spend.

This is extremely important.

That alone helps you keep a tab on your plan to repay debt fast.

In fact, a budget can help you in many ways.

It does not just help in repaying the debt but also prevents future liabilities.

  • Spend in Limit

Once the numbers are staring at your face, it limits extra spending.

The budget reminds you of your monthly liabilities.

So every month you become more conscious of the money in hand.

This will make you be more stringent in paring down your expenses.

You have a fixed amount in mind and you need to spend only that much.

That can go a long way in limiting future debt.

  • Realistic Account of Liabilities

When you create a budget, you take stock of finances.

You, have your monthly inflow and expense account right in front of you.

So you can make a far more realistic estimate of your liabilities.

When you see the debt amount reducing every month, it gives a different high.

It motivates you to save more and pay off your debt fast.

  • Plan Expenses

Most times, you incur debt due to unplanned expenses.

But with a budget, you can easily take care of this problem.

You can include this in your expense plan in your budget.

This will help you make allocations on a monthly basis.

As a result, you will have a much better handle on the future expenses.

Most importantly, it helps you create a leeway even within limited means.

That can go a long way in addressing the problem.

8. Create an Emergency Fund

This, therefore, brings to the next most important step.

Well, we know a budget helps you to plan your expenses

But to be debt free, you also need to address unplanned expenses.

A sudden sickness or accident can completely derail your finances.

The question is how you can get around this problem.

Well, you need to create an emergency fund to get out of debt fast.

This emergency fund helps you create a kitty to meet sudden expenses.

But the point is you cannot create an emergency fund overnight.

You need to start making small allocation every month.

Take a hard look at your budget and decide how much you can spare.

Now create a recurring deposit or simply a piggy bank at home.

But you have to have a disciplined approach.

Make sure you save this money every month.

Also once you have used this, remember to pay back.

An emergency fund will be of no help if it is not available at your convenience.

So fiscal discipline and fiscal prudence are very important.

You must remember to control your purse strings very tightly.

Most importantly always pay back whatever money you use from this fund.

9. Look for Additional Funding

Your income amount is fixed, but the debt keeps increasing.

Often this is because the income amount is fixed.

So your ability to meet sudden expenses becomes relatively limited.

As a result, you resort to debt to address all the sudden expenses.

So, an additional source of funding becomes a necessity.

You can use it to create a steady emergency fund or pay your sudden expenses

Well, you can generate this income in many ways.

A part-time job is the most common approach.

This helps you augment your existing salary to a large extent.

But that apart, you can look at many different ways to generate income.

You can undertake online marketing initiatives or start capitalizing your hobby.

You can even put a part of your property on lease to generate the additional capital.

Remember these are all potential ways to get out of debt.

You can use the ones that suit your convenience most.

Primarily it depends on your aptitude and the kind of money you want to earn.

On an average, this is primarily a temporary arrangement.

Most times there is no long-term commitment in these.

It is created principally to pay the debt fast.

10. Try a Balance Transfer

When you are looking at ways to get out of debt, this is also an option.

You can look at getting a balance transfer.

Many credit card companies don’t even charge anything for it.

Additionally, you can get 0% APR for 12-15 months.

This means you completely save the interest expense in this period.

As a result, it helps you save money and pay the debt fast.

So that becomes like a double advantage for you.

Also, this helps you create a more effective repayment schedule.

Needless to mention that helps you to pare down the debt effectively.

11. How Do You Spend Your Sudden Windfall?

Through the year, you get many different types of sudden payment.

It can be a large cashback or even an inheritance.

It can even be a regular bonus or an inheritance from your grandparents.

The question is how you spend this amount?

Often, the money gets spent even before you realize it.

But that’s also because your monetary dealings have been haphazard.

But when you create a budge, start making clear allocations.

Use all of this extra money to pay off your outstanding.

You will soon realize how every penny can make a difference.

As the principal outstanding starts reducing, it also lowers the interest outgo.

So, it clearly becomes a very effective solution to get out of debt.

12. Don’t Step Away from Discipline

Financial discipline is the foundation to becoming debt free.

You have to understand that you can make a plan quite easily.

But the challenge is in following it properly.

So in this context, you have to genuinely learn not to yield to temptation.

You have to follow your budget allocations clearly.

If your budget allows you to watch only one movie a month, you have to follow it.

Don’t just yield to temptation and buy expensive jewelry.

First of all, calculate if you can afford it this month.

Or else, it is better to wait and buy when your budget allows.

Fiscal Prudence Is Primary

If you are looking at ways to get out of debt, you need to have a disciplined approach.

This will allow you to make better headway.

It will free up the money required to pay off your debt easily.

The most important fact is to follow a game plan to be debt free.

Also, implementation of your financial plan is as important as creating it.

You cannot plan life, but you can plan your expenses.

Also, don’t live beyond our means.

Frugal living and calculated spending is the key.

Create a repayment plan and stick to it.

Often this is the best way to get out of debt fast.

Learn How to Stop Procrastinating to Have a Great Life

We all struggle with ways to stop procrastinating from time to time.

Joseph Ferrari, a renowned psychology professor in Chicago, aptly puts it:

“Everyone procrastinates, but not everyone is a procrastinator.”

Sometimes it’s the unexciting things that get most affected.

Like cleaning out the garage, reconciling accounts, or finally unclogging the gutters.

But generally, it’s the bigger, more serious, stuff that calls for more of your time and commitment.

And it’s the serious stuff that will put you at risk of looking thoughtless or getting drained emotionally.

Looking back, my “aha” moment with procrastinating was during my final year in college.

I had this huge project that was due before the Christmas holiday and my subsequent graduation in January.

“Easy peasy”, I thought when it first got assigned, “the deadline is months away!”

Initially, it was all smooth sailing.

I quickly settled on a topic and completed my research early enough – well before November rolled in.

Then along came procrastination.

Boy, that was one of my longest and most taxing holiday seasons ever. Period.

Rather than spend quality time with family, I had to commit all my time and energy to polishing up my project.

I’m sure many of you have a similar story, where if it wasn’t for procrastination you wouldn’t have ended up facing a big problem.

Before we cover some of the actual remedies to stop procrastinating, knowing its root cause is winning half the battle.

So, Why Do You Procrastinate?

It’s easy to get hung up on slaying this procrastination “monster” and averting your focus from why you actually do it in the first place.

But having an idea of why you procrastinate, will help in defining the approach you’ll use to overcome procrastination.

I’ve analyzed some of the common reasons people give for procrastinating below:

  1. It’s Too Overwhelming for Me
  2. I Procrastinate Because of the Task at Hand
  3. The Fear of Failure

1. It’s Too Overwhelming for Me

One sure way of stifling your productivity is taking on too many demanding tasks at a time.

When there’s too much going on, prioritizing becomes a nightmare.

Sometimes we find ourselves with a lot of pressing things to do, that it feels impossible to handle them all.

So instead of rolling up our sleeves and getting to work, which would seem more logical, we go off on a tangent and put off these urgent tasks hoping for clarity to appear down the road.

For example, you might have an urgent report to write with a tight deadline.

Additionally, you have a presentation that needs to be finalized, and a backpacking trip to prepare for.

Then, you unexpectedly receive an email from someone asking for advice on a non-urgent matter.

Responding to it will take a good amount of your time (say, 15 minutes), but it’s a straightforward task and you won’t have to think too hard about it.

So instead of a courteous “no” or “not now”, you reply to the email – because it’s easier- at the expense of your overwhelming and urgent mountain of tasks.

When you’re done here, check out this piece on Top 10 ways to say no and save time – it’s also a goldmine of information on how to stop procrastinating.

Feeling overwhelmed can be a sign that you’re uncertain about where to begin on a task.

This usually results from:

  • Sub-par directions from a superior, for example.
  • Trying out something that disrupts your comfort zone.
  • Working on a task that needs to be well organized at every stage of the process.

Whatever the cause, being unable to find a starting point often leads to you procrastinating more and compounds the feeling of being swamped.

2. I Procrastinate Because of the Task at Hand

We rarely need any form of encouragement when doing something we find exciting or enjoyable.

It’s no surprise then that a sure trigger for procrastinating is coming face-to-face with a job you have zero interest in.

If you find yourself putting something off repeatedly, ask yourself whether you’re really up for it at all.

When faced with an unappealing task, the majority will come up with enough excuses and ways to put it off – sometimes indefinitely.

What if it’s too difficult? Or too boring and easy?

If a task is too easy, it can negatively affect our productivity the same way a difficult task can.

You might be surprised to discover that your procrastination stems from being bored by super-easy tasks.

If that’s the case, it might be time to move on to more challenging tasks with bigger responsibilities.

On the flip side, if a job is too difficult, we tend to procrastinate because our brains are naturally wired to “abandon ship” at the first sign of distress.

This is particularly true because difficult tasks demand more of our input – like learning new skills, brainstorming, and asking tough questions.

3. The Fear of Failure

To stop procrastinating, we have to overcome our fear of failure as scary as it may sound.

This fear usually manifests itself as countless revisions, endless tweaking of your work, and the urge to present a “perfect” sample of your work.

While it’s okay to want to give your very best on an assigned task, obsessing over the outcome is counterproductive.

In reality, an incomplete task will not get reviewed and criticized by others – which is a good avenue for personal growth.

A missed deadline is bad for business and a late project submission will not go down well with a client.

What’s even scarier sometimes is our fear of success.

What if everything goes according to plan?

What if I get propelled to new heights? will I be ready for that?

In all these instances, we need to acknowledge and boldly face our fears.

Only then can you stop procrastinating and live a more productive life.

Now, a lot has been analyzed and written about how to stop procrastinating.

But my main focus today is on three proven techniques that, when used together, will help you get things done without procrastination creeping in.

How to Stop Procrastinating

How to Stop ProcrastinatingIn this section, I’ll cover these 3 techniques in more detail so try to stick around to the very end.

  1. Distinguishing between what’s urgent and what’s important
  2. How to better manage your time
  3. Leveraging your energy levels

Let’s get down to it!

1. Distinguishing Between What’s Urgent and What’s Important

Procrastinating is often misinterpreted as being in a perpetual state of laziness.

But nothing could be further from the truth.

When you procrastinate, you still manage to get things done but at the expense of your “important” list of things.

Keep in mind that it’s very easy to find an urgent task to do when procrastination is lingering – but remember, being urgent doesn’t necessarily make it important.

Which begs the question: what’s your definition of important?

And does the time you spend on a task honor its importance to you?

If these two don’t align, then you need to make a few small changes to keep your productivity levels in check.

One way you can do this is to always ask, “how does doing this serve my future purpose?”

And try to answer it as honestly as you can every time.

Asking this simple question when you’re about to do (or put off a task) is more powerful than it appears on the surface.

For example, before starting on any project, I always find myself asking this ‘why ‘ question.

If my answer positively serves my future self, I’ll keep going.

Sometimes it means not committing too much time on a task, and other times it means closing it down because it’s just not worth the time and effort.

Food for Thought: When asking this question, try to be as honest with your future self as possible.

And remember, there’s no right or wrong answer here.

The ultimate goal is not perfection but moving forward and becoming a better version of yourself.

2. How to Better Manage Your Time

Okay, now that we have a framework for defining what’s really important to us; how can this information be useful and help you to stop procrastinating?

I’ve found that concentrating your efforts on time management makes one feel more in control of a project and reduces any urge to procrastinate.

There’s an endless list of time management systems out there with varying degrees of success to the problem of procrastinating.

But these 2 are sure winners if applied consistently.

a) The GTD Approach

The GTD or Getting Things Done system is well suited for people with busy lifestyles and you can definitely find a way to make it work for your own unique situation.

It helps you get and stay organized while boosting your productivity using these 5 “pillars”:

  • First, Identify everything that’ll require your attention and pen it down somewhere.

And don’t leave out anything on your to-do list, even the smallest task.

  • Be clear on what needs to get done on each task.

Don’t just write it down, plan a course of action.

If you need to delegate, for example, this is the time to do it.

This way, there won’t be any barriers or surprises when you get down to do the actual work.

  • Organize and prioritize to stop procrastinating.

This is the stage where you assign due dates, set reminders, and prioritize all your tasks beforehand.

You’re not getting anything done just yet but creating a workable plan for your to-do list.

  • Review your progress from time to time and adjust your list accordingly.
  • Engage and take action.

This system is designed in a way that makes this final step easy to figure out since we already have a ready-made list to follow. (refer to “pillar” #1).

At its core, the GTD methodology allows your thoughts and ideas on upcoming tasks to flow freely without interrupting what you’re working on at the time.

b) Stop Procrastinating Using the Pomodoro Technique

While GTD is great for setting up a framework to get things done, the Pomodoro technique is all about taking action.

The idea behind this technique is to break down your tasks into smaller 25-minute intervals called Pomodoros.

Each Pomodoro is a chance to work on a specified task for at least 25 minutes without any interruptions and without admitting defeat.

After the 25 minutes are up, you break for a while before starting on the next Pomodoro.

Then, after you’ve completed four Pomodoros, it’s standard practice to take a longer break this time.

This gives your brain time to process what you’ve been working on and readies you for the next task.

Depending on the kind of work you’re doing, you can adjust the 25-minute interval accordingly for a better fit.

When I’m writing for, example, I’ve found that 1-hour intervals with slightly longer rest in between Pomodoros makes me more productive.

3. Leveraging Your Energy Levels

Sometimes, how enthusiastic we are about a task largely depends on how high our energy levels are.

I’ve observed that energy levels tend to vary depending on the time of day you pick to complete a task.

Certain times have a more energetic kick to them and other times it just feels draining trying to get anything done.

With that in mind, it’s advisable to schedule tasks that require less energy (both physical and mental) for low-energy time.

Save your more demanding projects for those times your energy level is at its peak.

For example, I respond to emails, do some light research, and analyze charts when I’m feeling less energetic.

Day trading and other high-focus projects come when I’m sure I’ll be more energetic.

First Things First

Another technique that will help you leverage how energetic you’re feeling is doing the most important thing, first thing.

Sounds simple enough, right?

But not many people actually apply it to their routine.

Productive people understand that productivity is not all about getting many things done each day.

It’s about maintaining a steady speed on a couple of things, not going full throttle on everything at once.

Productivity is nurtured and involves consistently getting the most important things on your “to-do” list done first.

If you start applying this strategy, it’ll gradually develop into a habit and you’ll always get an important task done every day.

Two of the reasons this technique works so well:

  • When you wake up, your mind isn’t cluttered by the trivial details of the day: the first email you open, that first story on your news feed, or that first conversation you have.

All these can make your thoughts spiral in a different direction instead of putting in some work.

Instead, take advantage of this ‘clean’ state we usually wake up in and set the agenda for that first hour.

I’ve often found that after doing this, the rest of my day normally goes smoothly.

  • Secondly, being close to a sleeping state is good for creativity.

When we’ve just woken up, our conscious minds tend to be a bit sluggish for a while.

But our subconscious mind – which is responsible for creativity – is more strongly activated at this time.

Sometimes when I can’t get myself to focus at all, a relaxed outdoor stroll is enough to clear my mind and restore my energy.

Other times, I’ll go check on my garden for a couple of minutes in between my pomodoro breaks.

Final Thoughts

We’re about to wrap it up guys…just a few more pointers…if you didn’t put off reading this article that is! (:

Well, I can’t guarantee you’ll stop procrastinating cold turkey.

But once you’re able to pin point why you do it, you’ll be able to better manage this energy-draining behavior.

Procrastination slows us down and frustrates us once it starts creeping in.

And the irony of procrastinating is its ability to feed on itself.

When you’re procrastinating, new tasks coming in also tend to suffer.

The end result?

A compounded feeling of being overwhelmed which results in more procrastination.

While some of us procrastinate more frequently than others, becoming more productive is a matter of consistently implementing the right tactics in your daily routine.

You’ll probably need to experiment a bit to find what works best for you and your own unique situation.

So don’t be surprised if some of these ideas don’t work as well for you.

Overcoming procrastination is an effective time management technique that can help you live a healthy, wealthy, and prosperous life.

And because I learn just as much from you as you do from me, please share in the comment section below your favorite strategies on how to stop procrastinating.

Frugal Living to Save up to $25,000 per Year

We all have heard about the benefits of frugal living and how it can help you to save money.

But the point that we often miss out is that a frugal life is not necessarily about living on the cheap.

At times, it can also be a matter of choice and choosing to live in a way that allows you to save money on the go and creating a savings deposit based on that.

The question is why frugal living even when you make enough money and your income is good.

This is mainly for those have financial problems for now and need to save some money.

However, when you get used to saving money through frugal living, then you will keep on doing it even when your income has become OK.

I have seen so many rich people who are still frugal living.

The enjoy it.

Frugal living, as long as it doesn’t affect your life, and doesn’t prevent you from enjoying your life, is not bad.

For example, while you can buy $1.95 tissue papers with a high quality, why you should pay %5 for it?

Or when you can drive a good car with $500 per month, why should you pay $3000?

The money you are overspending now, can be needed somehow in future.

Unfortunately, most people start overspending when they income becomes good.

Then, they stop improving their business and keep the same income.

This turns a good business, to a struggling business after a while.

Finally, the business collapses and they feel sorry for their ignorance and wasting so much time and money.

Taking a business off the ground is important.

But maintaining it and make it make more money every month is even more important.

So, you have to learn to manage your money and save money every month.

According to Robert Kiyosaki, it is not the matter of the money you make; it is the matter of the money you keep.

Frugal living is a skill; it is a management method that you have to learn and master.

What Are the Best Frugal Living Tips?

Here are some handy frugal living tips that will surely help you save as much as $25,000 every year:

  1. Explore the Option to Live With Parents
  2. Stop Needing to Look Rich
  3. Consider Driving an Old Car
  4. Resist the Temptation of Eating Out
  5. Limit Salon Visits/Wardrobe Change
  6. Savings Strategy

1) Explore the Option to Live with Parents

Explore the Option to Live with Parents

If your parents have a floor to lease out and you are exploring how to live frugally, a simple option can be living with them.

Remember renting an apartment on your own can be cool but the expenses involved do not just begin and end with the monthly rent.

That apart, there are many other related expenses.

A realistic analysis will make you realize that this decision can help you save as much as $10,000-15,000 a year.

In case you are not married/have a partner, you can also explore the option of sharing with a friend.

2) Stop Needing to Look Rich

Stop Needing to Look Rich

You have to understand that living frugal is surely living only on necessities.

Moreover, it is not a crime to live within your means.

If needed, even scale down your lifestyle to fit into your budget.

If you have to, do not shy away from getting an additional job and also, there is no need to compete with anyone.

3) Consider Driving an Old Car

Consider Driving an Old Car

I already mentioned frugal living is just meeting your necessities.

In this context, one key concern area is about the kind of lifestyle accessories that you prefer.

For example, would you consider driving an old car?

Just because it is squeaky or makes a lot of noise is not a reason for you to replace your car.

If your car is in a good condition and you have already paid off your car loan, there is no reason why you should discard it.

In fact, you even save on the car insurance bit.

A rough base of the hand calculation would reveal savings close to $5000 a year but driving a rather rundown looking vehicle.

You can extend the savings even further by opting for a car pool or even choosing to use your bike over the car.

The additional savings this would entail is close to $600 a month and imagine how much that can add up to your yearly savings.

Often saving money is not about earning more.

But it is looking for avenues that can help you save from the existing pool of funds.

4) Resist the Temptation of Eating Out

Resist the Temptation of Eating Out

One of the most common frugal living tips is about limiting eating out.

Perhaps it never registers but even small amounts like $20-30 that you might spend each time you eat out can well become a huge sum eventually when you look back on your savings.

When you are meeting your friends, look to assemble at someone’s house or a park.

Instead of a fancy meal at a swanky restaurant, choose the option to participate in a potluck.

You will be surprised that you could save as much as $1000 a year by this simple act.

Not just meals, even a cup of coffee counts when you are trying to save money.

Learn to make coffee at home, if needed even buy a coffee maker, even then your incremental cost of sitting or picking up coffee from Starbucks will be much higher than this.

In fact, a proper analysis of the numbers would reveal that avoiding the Starbucks and choosing to have homemade coffee could lead to savings of as much as $1200-1500 annually.

I am sure now that this number makes sense and drives home the necessity of incorporating.

This key element of frugal living in your day to day life.

5) Limit Salon Visits/Wardrobe Change

Limit Salon Visits and Wardrobe Change

There are many times when we pick a dress on a whim, or we even look at going to the beauty parlor to simply feel better.

Maybe your local beauty salon was good enough, but you choose to go to a more upscale joint to simply do the same things your neighbor does.

This is a big no in the school of frugal living.

You must ensure that you go to a reasonably priced salon at times that you need.

See the beauty services you can even look at achieving at home.

Secondly, add to your wardrobe depending on necessity.

Do not buy just for the heck of it or on an impulse.

The good news is this could translate to savings close to $2000-2500 every year.

Now imagine what all you can use these additional savings for?

6) Savings Strategy

Savings Strategy

Frugal living is not sufficient.

If you cannot invest the money that you are saving effectively, all your hard work will be a huge waste.

Therefore, do not just target to save $25,000 a year.

It is very important to invest this sum in a way that these savings get translated to bigger savings in the future.

Explore the various investment options that you have and see how you can effectively use them for bigger and better gains.

At the same time ensure these instruments of investment are in sync with your overall investment strategy.

Do You Prefer a Frugal Living Now?

Do You Prefer a Frugal Living Now?

As you can see, managing to have a frugal living doesn’t affect the quality of your life.

It only saves you a lot of money.

Adopting a frugal life is one of the easiest ways to ensure assured savings.

The trick here is not how much you save.

It is often the kind of money you can save by simply altering some basic daily practices, something as simple as picking your coffee from Starbucks.

The advantage is if you are able to continue it on a sustained basis, the biggest gainer would be you again.

Think of Warren Buffett, the Oracle of Omaha.

He is one of the greatest investment gurus and among the top 3 richest men in the world.

He is also a living champion of frugal living.

His wealth stands testimony of how efficient the strategy is.

Group Dynamics: Positive Group Interactions in Your Workplace

Did you know that mastering group dynamics can change your group work forever?

Teamwork and group discussions are now an important part of many jobs.

Failing to understand group dynamics will deprive you of realizing the power of teamwork.

Many people find it time-consuming to work and brainstorm as a group to achieve a common goal or task.

However, having positive group dynamics can cause a huge shift towards the success of your business.

If you are an employee, it can boost your performance and raise you along the career success ladder.

I believe that many people hate working in groups, in fact, I was one of those people one day.

Group Dynamics As the Positive Group Interactions in Your WorkplaceHowever, I changed my idea of teamwork when  I realized the magic of mastering group dynamics.

Mastering positive group dynamics can help you to combine the efforts, brainpower, and creativity of many people.

Moreover, you will enjoy working in a peaceful atmosphere to achieve a great task in a short time.

Working in groups is beneficial for large projects as the work can be divided among several members.

Teamwork allows splitting of large projects among several groups so that each group within the business can focus on a specialized task.

It is common knowledge that task specialization leads to excellence.

Proper group dynamics can lead to a very successful group brainstorming sessions.

Groups that have a positive group dynamics are more harmonious and productive than groups that have negative or poor group dynamics.

What Is a Group Exactly?


Before we discuss group dynamics, let us first define a group.

Merriam Webster dictionary defines a group as:

1- “Two or more figures forming a complete unit in a composition.
2- A number of people gathered or having some unifying relationship such as a study group.”

On a deeper level, we can follow scientific definitions such as that of Bales (1953).

Bales defines a group as:

“Any number of persons engaged in interaction with one another in a single face-to-face meeting or a series of such meetings, in which each member receives some impression or perception of each other member distinct enough so that he can  give some reaction to each of the others as an individual person, even though it be only to recall that the other was present.”

Therefore, from the above definitions, we can deduce some of the features of a group.

For example:

  • It should consist of two or more people.
  • Members are often tied together by a common goal and their fates are bound as they are all held responsible for the consequences of achieving (or not achieving) that goal.
  • The group has to meet and interact face to face (can also be online meetings.)

Groups and Interdependence

It is important to note that there should be interdependence between the group members on each other.

It would be a waste of time and resources if each member can successfully perform the whole project alone.

This idea of interdependence is important because a group is like an electrical circuit.

Any break in any link of the group will definitely affect the entire circuit.

Barriers to success can be communication issues, unclear objectives or lack of commitment.

This idea of Interdependence means we should tune our group dynamics to get good results.

Interdependence of teams occurs in any group regardless of the kind of group we are in.

Group dynamics is a model that works on both formal and informal groups.

Understanding the different Types of Groups

Examples of group types include:

A common type of groups is groups of friends and groups of interest who unite upon a common interest.

Examples of the groups of interest include book club groups and gaming teams.

Functional groups: These are groups that work towards achieving a specific task, goal or target.

They can be formal or informal.

Tasks within functional groups can be with or without a deadline.

As for informal functional groups, the members will often be the ones to create themselves.

Self-created groups have the freedom to assign deadlines or not

Examples of self-made groups include volunteers who are organizing a  charity event.

In formal functional groups, the managers of the organization will be the one to create the group.

The company assigns the common goals and targets of the group as per the big picture of the goals of the organization’s.

Examples include the PR team working on a marketing plan while other groups are work on product design or finance.

Another important type of groups is managerial groups or groups of command.

These groups include staff at the authority positions in the workplace such as the board of directors.

Defining Group Dynamics

We have discussed what are groups and their types, therefore, it is now time to define group dynamics.

“Group dynamics is the behavior and interactions of each member with the other members and their attitude towards the objectives of the group.”

It is the model groups use to communicate and work together.

The model also includes the structure of the group such as the formation of dyads and triads within the group.

Each functional group members must take on a certain role.

Sometimes the group leader assigns these roles while other times the members take on certain roles by themselves.

Not all of these roles are positive or productive and some roles can be negative  to the group.

The frequency of each role also determines the balance between the group dynamics.

For example, too many narrators or leaders can be harmful to the productivity of the group.

Therefore, it is important to identify the required roles and assign those roles with suitable frequency.

Understanding Roles Within the Group

Let us have a look at the possible roles that exist within a group.

1. The Initiator

It is someone who always takes initiative and proposes tasks, solutions, and ideas.

Many people are reluctant by nature and wait for others to take initiative before they take action.

2. The Informer

He informs the group members of announcements, updates or findings.

This member helps everyone to stay on the same wavelength as all the other members.

3. The Summarizer

It is the person who concludes the discussion of the meetings, recommendations or decisions.

This is helpful for recapping long discussions into shorter segments that can be easily memorized.

4. The Realist

He can be called the executor and is often someone who tests the ideas proposed in the real life.

5. The Peacemaker

This person likes to create peace and harmony between the group, therefore, relieves tension.

The result of this role is a positive and peaceful atmosphere that harbors productivity.

6. The Facilitator

This is someone who encourages communications and active participation among the members.

This positive role increases members engagement and cooperation which leads to faster and better results.

This role is closely related to the role of the Encourager who provides positive feedback to the members’ ideas, encouraging them to participate more.

The above examples were all positive roles.

The more the group has members with these roles, the more productive the group will be.

The next set of roles are examples of negative roles that disturb the balance of group dynamics.

Negative Roles

1. The Alarm:

This is someone who constantly reminds people of the deadline and hurries them.

While this is a good role, it can turn negative if speed was favored on quality.

This role, can cause the compromiser to agree to speed up even if it is not the best decision.

Too many compromises lead to negative group dynamics.

2. The Comedian:

It is someone who jokes and disrupts the focused working mood of the group.

His jokes are often irrelevant and excessive.

The comedian results in breaking the productive atmosphere and shifting the attention of the group to irrelevant matters.

3. The Aggressor:

This is a person who criticizes other group members and makes fun of their ideas or belittles their efforts.

This behavior discourages members to share their ideas and prevents people from doing their best.

4. The Resistor:

While the aggressor believes the idea, the resistor resists the idea and calls it irrelevant or wrong which is discouraging.

5. The Dictator:

The dictator likes to control the situation and believes his ideas should be followed regardless.

Having a leader is important but a dominating leader is discouraging to the other members.

Having more than one member of the group as a dictator will lead to strong conflicts.

It will also make it hard to reach conclusions or make decisions.

6. The Free Riders

Most groups must have at least one member who avoids working and leaves during group discussions.

Free riders cause other members to carry on an extra load which can cause them to be annoyed.

This act is called free riding and is considered  immoral.

How Can Knowing the Roles Help Me?

The balance between these roles is important.

Too much or too little of one type can negatively affect the group dynamics.

It is better for the group to have more positive roles than negative roles.

Look at any group you know and observe the roles they have.

You will find most of these roles existing in one group.

However, a strong and an effective group will have more positive roles than negative.

The roles are meant to complement each other and there is no one role better than the other.

It is important that members get roles that fits their personality.

An introvert who doesn’t enjoy talking much would not enjoy being the facilitator.

The group leader must understand and be aware of all the roles in his group.

Identifying the negative roles will help the leader and the group deal with problems.

Conflicts In the Group

It is natural for any group to have disagreements.

However, these problems should be dealt with and not left to pile up.

There is a big difference between compromising and ignoring problems.

Compromising is suitable when the conflict is in personal desires and there is no absolute best option.

For example, choosing to conduct interviews on Wednesday rather than Tuesday.

However, when Tuesday is obviously better than Wednesday for some reason but some members are disagreeing out of laziness is an example of a problem.

In the above case, this problem needs tackling rather than compromise because the objection is illogical.

The leader needs to see why such members are lazy and obstructing the course of productivity.

Dealing with Under Performing Members

The way the leader deals with under performing members can strongly affect the group dynamics.

The leader has the potential to increase tension between the group members or diffuse the situation appropriately.

The leader has to be fair and not take sides during conflicts.

Being biased will make the team members feel that this is an unfair environment.

Feeling safe and being in a fair environment helps members to express themselves freely and perform better.

However, if the leader takes sides, this will create tension between the two sides in conflict.

The leader should observe and react objectively and fairly.

The group should develop a code of ethics and a warning system.

For examples, members who fail to complete the tasks should first be warned verbally.

The leader can discuss with the member the reasons that led to such under performance.

The leader plus the other members should help that member tackle overcome the problem.

Being supportive rather than critical helps groups to have positive dynamics.

If that member continues this behavior without showing improvements, written warnings should be issued.

Finally, after several warnings had been given, the group must inform higher managers of the situation.

Therefore, members should not ignore negative behavior but they should also avoid criticism.

Instead, they should show moral support and help other members become better: Procrastinating Meaning and Why It Will Make You Die Poor

Other Strategies to Improve Group Dynamics

1. Goal Setting

Groups should have clear objectives.

Clarity of the goals will help the team decide what tasks need to be done.

Without clear goals, progress is impossible.

Therefore, every group should start with setting smart goals.

2. Assigning Tasks and Responsibilities

After the team decides on what tasks they need to do, they should divide them fairly.

I say fairly and not equally because not all tasks will be equal in intensity and effort required.

Each member needs to clearly understand his or her task.

Members need to assign deadline for the tasks

The deadlines need to be reasonable, not too tight and not too lax.

Members can choose which tasks they are more comfortable with, provided that they divided the tasks fairly.

Freedom of choice will help the members choose tasks they are well equipped for, skills wise or otherwise.

3. Respecting Each Other and Interpersonal Skills

Members need to respect each other.

If you disagree with a member, you can disagree politely.

There is o need to prove someone wrong to state that you are right.

Don’t undermine any member’s efforts or abilities.

Lack of respect among members is one of the major causes of conflicts in the group.

If one person is presenting an idea, don’t interrupt your team member.

Don’t make fun of their idea or say it won’t work.

Give the person a chance to complete his or her idea in a welcoming atmosphere.

let the team brainstorm the idea and evaluate it objectively.

Objective evaluation and studying the feasibility of ideas will help eliminate sensitivity when rejecting unsuitable ideas.

4. Resource Allocation

An effective group understands that resources are limited.

These resources include money time, effort and manpower.

A group with good dynamics knows how to allocate its resources effectively.

Good allocation of resources means prioritizing tasks that are relevant to the goals and objectives of the team.

Wasting resources is a symptom and result of poor group dynamics.

Failure to set clear goals results in not appreciating resources.

Stay committed to the goals of the group and help others to commit as well.

5. Communication Is Key

Finally, effective communication is a key factor in the success of groups.

Groups that communicate well perform better.

Summary and Key Points to Remember

  • You can harness the power of teamwork by having positive group dynamics
  • Pay attention to the different roles within your group.
  • Groups with more positive roles perform better
  • Set goals, deadlines and assign tasks
  • Deal with problems objectively in a healthy manner and don’t ignore them
  • Respect and support your team members
  • Practice good communication

Pareto Principle and the Way It Improves Your Productivity

In this world, you will come across different kind of principles.

One of the most interesting ones is the Pareto Principle.

At the core of the Pareto Principle is the 80/20 rule.

It’s simple.

This means that 80% of the results are created by 20% of the actions.

Interesting, isn’t it?

This also means that you can make the most out of anything you do.

You simply have to identify the 20% which consists of important things that you do.

This sounds easy.

In reality, it’s far from that.

Hence, this article will give you actionable tips on how you apply Pareto Principle in your life.

Here are a few areas in your life that you can apply the Pareto Principle.

Key Areas in Your Life to Apply the Pareto Principle

  1. Making money
  2. Building relationships
  3. Taking care of your health
  4. Lifelong self-learning
  5. Building self-confidence
  6. Progressing in your career
  7. Breaking free of addictions
  8. Taking care of your mental health
  9. Moving out of your comfort zone

1. Making Money

Making Money

It is nearly impossible to deny the importance of money.

This piece of paper controls different things in our life.

In fact, most of the things we do today are to make more money.

In your pursuit to make more money, you can apply the Pareto Principle.

At the moment, identify the main things that make the most money for you.

For example, you make the most money from blogging.

Now, think about how you increase your income from that area.

To know more money-making opportunities, you should reach out to other bloggers and companies.

From here, you can identify more ideas on how to make more money by blogging.

Does this mean that you should abandon your day job?

Not really.

In fact, you should always have something to hold you down to pay the bills.

If things go south, you know that you will always have your day job.

For some people, residual incomes are very helpful.

Residual income helps you make money even when you are sleeping.

When it comes to making money, you must always keep track of your time.

Here, Pareto Principle ensures that you keep track of the 20% most important things to accomplish.

This helps ensure that you are making the most out of your time.

Tools such as Google Calendar and Todoist are excellent at helping you manage your schedule.

Remember that keeping track of your time means increasing the chances of you making money.

2. Building Relationships

Building Relationships

Have you assessed your overall relationships so far?

As humans, we go through different phases of life.

This also means that we build relationships with different people.

In general, relationships consists of these four.

Friendships, family, romantic partners and professional ones.

Over time, some relationships will grow sour.

More importantly, some relationships will become toxic to our well-being.

You can use the Pareto Principle here.

Identify the relationships which you believe maximize your well-being.

Then, eliminate toxic relationships.

There is a simple way to identify if a relationship is good for you.

Ask yourself, does this relationship help you become a better person?

Not doing an inventory check on relationships can be dangerous.

Research shows that we are a reflection of the people we surround ourselves with.

If you surround yourself with negative people, you will slowly turn into one.

However, you become more positive if you surround yourself with optimistic people.

Using the Pareto Principle, you need to identify relationships that are good for your self-development.

Of course, this is easier said than done.

If you are in a toxic office environment, you can’t exactly resign immediately.

Instead, you should learn about group dynamics in the workplace to know how you can work better in a negative environment.

As a whole, knowing good relationships from the bad will help you be more positive in life.

3. Taking Care of Your Health

Taking Care of Your Health

Would you want to be a millionaire but you’re too sick even to spend your money?

Our health is life’s gift to us.

It is up to us how we take care of it.

Now, let’s look at this from the Pareto Principle’s point of view.

Are you spending 20% of your time to take care of your health?

This can be anything you do to live an active life.

It can either be exercising 30 minutes a day or taking the stairs at work.

When it comes to your health, you should be intentional in your efforts.

Hence, identify the healthy habits in your life.

What are the main habits which are improving your health?

If you’ve never thought of this, there’s no better time than now.

Also, you must be aware of what you eat.

Healthy eating habits go a long way to keep you away from diseases.

Did you also know that stress leads to poor eating habits?

Stay in control of your stress levels by using Headspace, a simple meditation app.

Before it is too late for you, get in control of your health.

Pareto Principle is crucial as it helps you highlight the importance of your healthy habits.

Starting your healthy lifestyle is easy.

Websites such as Pinterest helps you discover a lot of healthy eating recipes and tips for an active lifestyle.

You have all you need to start living a healthier life.

Take your first step today.

4. Lifelong Self-Learning

Lifelong Self-Learning

At any age, there is always something new to discover.

Hence, the process of learning never ends.

Formal education may have ended when you graduated from university.

However, you continue to learn in your workplace and even after you retire.

Hence, use the Pareto Principle to understand more about your self-learning habits.

Does 20% of your habits encourage you to learn something new?

One of the most unproductive habits people do is procrastinating.

This leads to high level of unproductivity.

It can affect your personal and work life significantly.

So, you must learn how to overcome procrastination effectively today before it is too late.

As we go through life, it is always good to have something to look forward to.

You may feel like your work routine is too dull.

So, you want to try something new.

With the Internet, there are no excuses for you not to pick up a new interest.

Websites such as YouTube are excellent at teaching you new skills.

There are also plenty of other platforms which provide online courses for a variety of skills.

So, you can try platforms such as Lynda, Udemy and Khan Academy that go a step further in encouraging self-development.

Learn how to code, improve your photography skills and e-commerce skills today.

All these resources are available at the tip of your fingers.

They are also highly affordable.

Start living a life worth telling a story about.

5. Building Self-Confidence

Building Self-Confidence

Low self-esteem issues can cause you not to live your life to the fullest.

This also causes you to always feel inferior to others.

As a result, you may always appear sad, depressed and unmotivated.

The negative effects of this can spread to different areas of your life.

Use the Pareto Principle to help you improve your self-esteem.

Identify the 20% in your life that boosts your confidence.

For some, it may be their physical appearance and having money.

However, research shows that having emotional support plays a huge role.

More often than not, there is always a reason for lack of self-confidence.

Pareto Principle can also be used to identify negative habits.

If you are overweight, identify 20% of your habits which are leading to it.

Also, if you have anxiety, identify 20% of the situations which triggers it.

Additionally, if you are always broke, identify 20% of your habits which causes you to spend too much.

Also, you can read our guide on frugal living which will help you save up to $25,000 a year.

Once you have identified the negative habits in your life, do something about it.

When you start taking actions, take small steps forward.

Also, make sure that your goals are realistic.

Having big goals can cause you to feel demotivated when you can’t achieve it.

Working on your self-esteem can be seen as a road always under construction.

However, working on it continuously is a great investment in yourself.

6. Progressing in Your Career

Progressing in Your Career

For most people, career progress plays a huge role in job satisfaction.

In fact, most millennials today are interested in jobs that provide promotions and other benefits.

Depending on the employer you’re working for, career progress may mean different things.

However, most companies will outline how an employee can experience career progress.

This is usually available through a written document.

From here, we can apply the Pareto Principle.

First and foremost, you must understand the requirements for career progress in your company.

Then, spend some time to create an actionable plan to achieve these requirements.

Of course, this won’t happen overnight.

This can take anywhere from a few months to a few years.

Hence, keeping track of your actionable goals will be important towards your progress.

Using the Pareto Principle, identify a few key things that will contribute towards your career success.

Then, execute your plan.

Over time, there may be changes in the requirements.

Keep track of those as well and change your plan accordingly.

Pareto Principle helps you to get down to the important details on getting things done.

Hence, you won’t spend too much time doing unnecessary tasks.

Also, you can identify the things that you should avoid that can jeopardize your career progress.

As a whole, career progress can be achieved by establishing realistic goals and working towards them diligently.

7. Breaking Free of Addictions

Breaking Free of Addictions

If you think drugs are the only addiction that ruins people’s lives, think twice.

Today, there are different types of addictions people have that they may not be aware of.

If you constantly feel that you need to check your phone, you may be addicted to it.

Social media addiction is also increasingly prevalent today.

Do you know how much time you spend on Facebook, Twitter and Instagram?

If not controlled, this can cause you to lead an unproductive life.

If necessary, take a social media break.

So, we can use Pareto Principle to identify if you have been unproductive.

Are you spending time on the 20% of things that matter or are you too busy scrolling through Facebook?

It’s easy to lose sight of the tasks that matter.

Therefore, learn about how you can write a personal mission statement.

This will help you be more clear about what you want to achieve in life.

There are also other addictions that people commonly have.

It can be towards work, playing video games, shopping and self-harm.

Pareto Principle shows that addictions can be overcomed when you know your priorities.

What are the things that you can do to move away from your addictions?

If anything, Pareto Principle shows that these things do not have to be major steps.

If you are a workaholic, take time off and go on road trip.

This will help you gain a new perspective on life.

Keep in mind that you must achieve a good work-life balance to live a healthy life.

Most importantly, breaking free of addictions needs to be taken one step at a time.

It will be difficult to break free but the first step is always the hardest.

Keep pushing through.

8. Taking Care of Your Mental Health

Taking Care of Your Mental Health

In this article, we’ve discussed the importance of taking care of your health.

Did you know that your mental health also plays an important role towards your well-being?

Today, there are different types of common mental health issues.

This can be anxiety and depression.

Also, someone can feel constant changes in their mood.

Ultimately, this can lead to social dysfunction.

Many people with mental health issues are uncomfortable in a social setting.

If this is you, seek professional help to diagnose your issue.

Understanding the nature of your mental issue can help get to the bottom of the issue.

You can also focus doing 20% of the things that matter to improve your mental health.

If you are too shy to seek professional help, there are helplines that make sure you have someone to talk to.

In general, it is vital that you take care of your mental health.

Even if you don’t have mental health issues, it is always good to be in a positive and healthy environment.

For example, search for jobs that has a healthy work culture.

Minimize the time you spend with negative people.

At times, reward yourself for achieving your goals.

Also, get enough sleep.

Getting at least 8 hours of sleep is important.

It helps you wake up feeling refreshed and ready to face the day.

Inherently, engage in activities that will maximize your mental health.

9. Moving out of Your Comfort Zone

Moving out of Your Comfort Zone

Have you ever had the impulse to buy a plane ticket and hop on a plane today?

Maybe, you should.

As humans, we must constantly push the boundaries of life.

This makes life more interesting.

Also, it helps us discover new things.

Hopefully, this will inspire us to see life in a different perspective.

Based on the Pareto Principle, 20% of your actions create 80% of the results.

More often than not, the actions which comprise of the 20% are those that push your limits.

Once in a while, try to do something that you’ve never done before.

Besides your commitment to work and family, what else do you want to do in life?

Perhaps you want to travel solo.

Also, you may want to bungee jump from the tallest building in the world.

Or, you want to learn how to make money from cryptocurrency.

You can also learn how to set up your own business with a low budget.

Inherently, all of us have ideas that we want to try.

They don’t have to remain as ideas forever.

You can act on them and start making them happen today.

When you finally act on it, you will realize one very important thing.

You are capable of working on your dreams.

Also, you can rely on your capabilities to follow through with your ideas.

Most importantly, you will live a very interesting life!

What Can We Learn from the Pareto Principle?

The Pareto Principle teaches us one important truth.

We must know our priorities in life.

Without it, we will become unsuccessful and miserable.

Hence, apply the Pareto Principle to these nine areas of your life.

Ultimately, it teaches you how to live a full life.

Work-Life Balance Tips For Employees and Everybody Who Works

Achieving a work-life balance doesn’t always have to be a struggle.

But how can a busy employee like you achieve this balance?

Well, I hope you’ve got your coffee ready because, in this article, I’m going to show you how.

So, let’s get started.

Firstly, what is work-life balance?

Towards the end of the 1970s, the term “work-life balance” was first used in the United Kingdom.

Work-life balance refers to the method which individuals (employees or workers) adopt to help achieve a balance between their professional and private lives.

It encourages employees to create time for their families, health, friends, spirituality, other personal activities as well as the demands of the workplace.

Unfortunately, the introduction of technology, cloud-based software, and the internet has made it very easy for employees to work around the clock.

This makes it difficult to distinguish between private and professional life.

Usually, many victims of work-life Imbalance think the problem is caused by lack or shortage of time.

They often wished they had more than 24 hours in a day.

However, while we cannot add more hours to our day, we can control what we do with the time that we have.

Some of the causes of work-life imbalance include:

  • Long working hours.
  • Excessive workload.
  • The desire to complete a task before the deadline.
  • Poor time management habits.
  • Excessive multi-tasking.

Without a work-life balance, here’s what you’re likely to go through:

1) Poor health:

Long working hours can cause distress which will negatively affect your health.

Some of the physical symptoms of distress include:

  • Increased blood pressure
  • Chest pain
  • Headache
  • Stomach upset etc.

Now tell me, If you don’t have your health, then what do you have?

Your health gives you the ability to work, play and enjoy the good things of life.

2) Fatigue:

This could lead to decreased productivity because when you’re very tired, your ability to think clearly is reduced.

It may surprise you to know that fatigue reduces your concentration by 23% and also reduces memory function by 18%.

In summary, fatigue can cause you to make errors in your job which could tarnish your reputation.

These errors can also negatively affect the performance of your organization.

3) No time for family:

When you work overtime, your fellowship with your family will definitely take a hit.

This can sever the bonds between you and your family.

Also, it can leave both you and your family emotionally distressed.

4) Overall dissatisfaction with your job and family.

5) Little or no motivation.

6) Decreased relationship with your boss, co-workers and the company as a whole.

7) Emotional Imbalance.

You can prevent all these negative effects by having a healthy work-life balance.

So I don’t know about you but sometimes I find it really hard to keep my life balanced.

Sometimes, It seems that anytime one part of my life is doing really well, another part suffers.

It’s kind of like a seesaw.

Good news is, it isn’t impossible to maintain a work-life balance.

So, fret not!

As a worker, there are some tips and strategies that I use to help maintain a healthy work-life balance.

And I’m going to share those tips with you right away so stick with me here.

Work-Life Balance Tips:

1) Limit Time Wasting Activities

It’s amazing that while in the office or workplace, many employees and workers waste about half of their time doing activities that are not related to their work.

They engage in activities like social media, gossiping, checking emails, talking on the cell phone, etc.

Did you know that 39% of employees waste about thirty minutes of their time on non-work activities?

In addition, 4% of employees waste about half of their working hours on non-work related activities.

All these time wasting activities make it hard for you to get work done so that you can manage other areas of your life.

But here’s the solution:

a) Get rid of distractions

If you actually want to use your time effectively while at work, then you need to turn off social media.

Put your phone on silent and leave it in your bag or pocket.

This will prevent you from getting distracted by notifications and alerts such as text messages and unnecessary phone calls.

A survey has shown that employees waste 8-10 hours a week on their mobile phones while at work.

When you get rid of this distraction, it can go a long way to help you quickly get some work done.

This will, in turn, create more time for you to manage other aspects of your life such as family, health, etc.

b) Check your emails only when necessary

Indeed, checking your emails constantly can be a big distraction in your workplace.

Did you know that 23% of people who waste time at work spend their time on emails?

Do not attend to emails the moment they arrive, except it is necessary for you to do so.

Otherwise, you should attend to emails at specific times each day.

c) Work in a quiet area of the office

There are times in our work when we discuss politics, gossip, crack jokes, and even comment on each other’s outfit.

I’m sure you’ll agree with me that all these activities do not help you get any work done.

They rather drain your valuable time.

This is why you need to work in a quiet area where you can focus

No wonder 58% percent of high-performance employees say a quiet workspace is critical to their success.

d) Follow a strict schedule

Create a list of the things you want to accomplish at work and when you want to accomplish them.

If you don’t have this list, then it will be easy for you to be disorganized and waste time.

Following a strict schedule will keep you organized and focused.

In addition, a strict schedule will help you meet deadlines, avoid mistakes and work in a stress-free condition.

e) Beat procrastination

The truth is, sometimes its really difficult to begin something( even when it’s something that you’re passionate about).

So, the only solution is to jump right in, regardless of how you feel.

Just jump right in, you’ll discover that it feels a lot easier to keep on going.

This will help you to complete the task.

2) Work Smarter Not Harder

You work really hard for long hours to the point where you become fatigued and stressed out.

Well, there’s is a better way to work more efficiently and more productively.

Work smart!

Here’s how:

Ask for help when necessary: to work more effectively, seek help from those people who can perform a task better than you can.

In order to do this, you should closely examine your strengths and weaknesses.

Also, you can delegate projects to subordinates at work.

This will help you have more time to work on other important tasks.

Make a “to don’t” list: make a list that includes all the things you shouldn’t waste your time on.

You may include social media messages, worthless phone calls, unimportant messages, etc.

This will help you focus only on the important tasks.

Ask the right questions: communication is an important skill that you need to develop as an employee.

For you to get the right answers, you need to ask the right questions and at the right time.

This will enable get the right information you need to make proper decisions.

Learn as much as you can: As a worker or an employee, you should never be tired of learning.

Hone your skills to improve the quality and value of your work.

Associate with those who are successful in your niche.

Keep up with current trends in your niche so that you don’t become outdated.

Work in chunks: You may become stressed out when you force yourself to complete a huge task at once.

The best practice is to break the task into smaller and manageable parts.

Complete these smaller task one after the order.

This will help reduce anxiety and keep your mind fresh when working on these tasks.

3) Take Breaks and Refresh Your Mind During Work

As an employee, breaks can keep you from getting bored and also help you stay focused.

So if your focus is lagging, then you may need to take a break that is really restorative.

There are a number of ways you can take breaks to increase your focus and productivity.

Disconnect completely

You may decide to take breaks by sitting on your desk, scrolling through Twitter or attending to emails.

This is a bad form of a break because your mind is still occupied.

You should disconnect entirely from every technological and communication device you may have connected to during your workday.

Move around

A very important part of part of your work is stepping away from work, allowing your mind to relax.

Leave your desk and move around to get your blood flowing.

You don’t need to run a marathon to achieve this, just do some stretches or go for a walk.

This can boost your mood and also relieve tension.

Socialize with your colleagues

Research has shown that strong social connection emotional and social support which will promote better health.

This can make you become more passionate about your job and also feel less likely to quit.

Maximize your nap

Improve learning and memory by taking a nap – one that last for 45 to 90 minutes.

Also, this can boost your energy level so that you can complete your task swiftly.

If your workplace has no room designed for napping, you can make use of the conference room or the library where you will not be distracted by others.

4) Leave The Office Behind

Even for employees that are passionate about their jobs, it’s possible for work to still be stressful and very tiring.

There is a tendency for you to take your job home with you.

When this happens, it interferes with your supposed relaxation.

Sometimes, we try to suppress fatigue by taking coffee or by just ignoring the signals that our bodies are giving.

This is a bad practice!

When you try to trick your body, there is a tendency that you will suffer from burnout.

The truth is, your body needs time to relax and regenerate if it must function optionally.

I’m sure you’ll agree with me that one of the best ways to relax after work is to spend some quality time with family and loved ones.

When you spend time with your family, it makes them happy and will also re-energize you.

You will be able to work more effectively and productively.

So, how can you actually leave the office behind?

Procedure at work

Before the end of your workday, take out 15 minutes to get your workplace ready for the next day.

If you work in an office, use this time to:

  • save your files on the computer.
  • Keep your desk clean.
  • Write a to-do list for the next day.
  • Turn off lights and unplug all the appliances in your office.

Finally, drop your list and worries about the next day at work.

If you work at home, be sure to shut down your computer so that you won’t be tempted to attend to emails.

Procedure for the commute

It’s possible to have a very stressful commute from your workplace to your home when you drive in heavy traffic.

In order to avoid this, try a carpool with someone or take a public transport so that you can free up some time for yourself.

You could spend your transit time doing what you love such as reading, listening to music etc.

Make your commute a positive experience.

At home

When you get home, you can say that you’re ready to ease off by performing a number of rituals.

Firstly, take a shower to wash the workplace from your body.

Secondly, change your clothes.

If you work in a uniform, change into a pair of jeans and a t-shirt.

This will notify your brain and your family that you’re ready to relax and have fun.

You could also consider going for walk or heading out to the gym.

5) The 7 pillars

I believe that everybody has 7 core pillars in their lives.

These pillars include:

  • Health
  • Love
  • Hobbies
  • Friends
  • Mission
  • Spirituality
  • Finance

Evaluate your life weekly based on these core pillars and ask yourself questions like:

On the scale of 1-10 for my health, how am I doing?

Did I go to the gym as much as I wanted to?

Am I eating healthy?

Here’s the cool part – if you do this on a weekly basis and you score yourself 4 or 5, your brain is an amazing guilt machine.

It will automatically say “ hey! you’re 5, you really need to go to the gym tomorrow”.

Also, you may feel like you’ve not been spending time with friends or you’re in a financial mess.

All these can happen when you do not pay attention to these 7 pillars of your life.

Reviewing these 7 pillars of your life is very important if you want to achieve a work-life balance.

6) Leverage N.E.T

N.E.T stands for No Extra Time.

Let’s face it.

We all want to do more, we want to progress, we want to achieve.

But we need to find time to do these things.

You can use the time you spend exercising, driving, or even cleaning the house to feed your mind with relevant information that will help you become more productive in your niche.

As a worker, here’s how I leverage N.E.T:

I listen to audio books when I work out and when I’m driving in a car.

I use this opportunity to consume and feed my mind the relevant information in my niche.

This helps me not to take any extra time out of my day.

7) Communicate Your Needs with Your Employer

Do you need to leave your work earlier than usual to attend your child’s birthday party?

Must you take a nap while working on a task?

Whatever your needs are, tell it to your employer.

This will help you get the work-life balance that you need.

Also, it will improve the relationship between you and your employer.

8) Take a Vacation

Did you know that the average U.S employee that takes only half of their apportioned vacation time suffer burn out?

So as an employee, you shouldn’t take a vacation for granted.

It is a very effective way to ease off stress recuperate.

Take out at least two weeks off from your work each year to go on vacation.

You don’t need to break the bank when going on a vacation.

But you do need to recharge your batteries and have fun.

Also, leave every work-related device like your laptop at home.

Use this opportunity to spend some quality time with your partner or family.

9) Hire a coach

You may need a personal coach to track your current progress on the road to achieving a work-life balance.

Also, this coach can push you to achieve this balance quickly.

10) Find a mentor

Do you know someone who has a successful career and an amazing personal life?

Seek advice from that person on how to manage your time, develop your career, and how to set priorities.


One thing I’ve learned over time is that life is precious and life is short.

So you need to strive to put yourself in a situation where the balance is right for you.

And if you’re in an unhappy situation, I’d advise you look for an opportunity where you can find a culture and an environment that enables you to do an appropriate work-life balance.

Procrastinating Meaning and Why It Will Make You Die Poor

Procrastinating is no strange thing.

It’s an almost everyday occurrence.

Ever delayed doing something for “some reason”?

Or for no reason at all?

That’s called procrastinating.

Procrastinating is postponing doing something until when you think you are good to go, a moment that may never seem to come, unfortunately.

And, let’s face it; we’ve all been there!

We’ve all at some point in time put off doing something, and thought twice about starting a business, investing money, blogging, etc.

Sadly, we’ve even experienced the deadly consequences that come with procrastinating.

We’ve witnessed our very own dreams slip through our fingers while we watched helplessly.

Then we were left with an empty feeling; a gap that could never be filled.

The thing is, when an opportunity is gone, sometimes it may be gone for good.

But before I dive into details, I have to explain the procrastinating meaning.

What Exactly Is the Procrastinating Meaning?

Simply put, procrastinating is shelving doing things.

It’s a delay in getting something done, especially things that require immediate attention.

Oftentimes, procrastinating is chronic.

It becomes a habit with time.

No wonder, procrastinators are so used to procrastinating that they don’t seem to realize they are doing it.

They are comfortable procrastinating.

Which is why, in order to quit procrastinating, you need to exercise self-discipline.

Otherwise, you risk being trapped in a never-ending cycle of tabling tasks whenever.

Procrastinating means you should do it later, not now.

Why Procrastinating Will Make You Die Poor

Believe it or not, procrastinating is one of the reasons you’re going to die poor.

Here’s why:

  • You’re Going to Miss Out On Opportunities

Think of the chances that have slipped through your fingers while you watched helplessly.

They are countless, right?

Yet, some of these opportunities could have been life-changing.

They could have meant a huge turnaround in your life.

They could have made you rich.

Sadly, these opportunities may never come knocking again.

That’s the bitter truth!

Most opportunities show up only once in a lifetime.

When they are gone, they are gone for good.

There’s nothing you can do about it.

  • Your Health Could Be Vulnerable

If you are a chronic procrastinator, anxiety and stress are the order of the day

It’s not uncommon for depression to ensue sooner or later, either.

Depression, if left untreated, is likely to affect other areas of your life.

Which cripples productivity.

This is dangerous!

When you’re not productive, you become a liability.

Before you realize it, you have a mountain of debts following you left, right, and center.

That’s what procrastinating can do.

It can mean more harm than good.

  • Your Self-Esteem Could Weaken

The moment you start procrastinating, your self-esteem could be affected negatively.

It may start to weaken.

Why is that?

While procrastinating, you are prone to spend loads of time wallowing in self-pity, wondering why you can’t make it, despite having all it takes.

Sooner or later, you start thinking you are the problem, perhaps.

Eventually, the “why me?” questions show up (these never miss!).

It’s these unanswered questions that are the source of a weakening self-esteem.

Especially because when you look around you, everyone else seems to be doing just fine (working on their tasks without having to postpone them), except you.

Note that the more your self-esteem deteriorates, the more you are likely to procrastinate.

As a result, as time goes by, chances are high you are unlikely to accomplish a considerable task in life.

Then you end up dying poor.

  • Your Goals May Not Be Realized

Maybe you really want to change or achieve something in life (we all do).

Perhaps, you have your goal set and are good to go.

But, somehow, you just can’t seem to get started.

There’s just this overwhelming resistance that shows up suddenly, from the blues.

Eventually, you end up not taking that first step.

And, your dream dies from within, unborn.

Your goal is left undone.

That’s how procrastinating is sure to make you die poor.

It’s through achieving our goals that we better our lives, isn’t it?

  • Your Performance Is Likely to Diminish

Oftentimes, procrastinators will tend to rush through jobs during the last minute.

Call it “working under pressure” if you like.

Yet, the truth remains: it is dashing through tasks.

Moreover, it has a price to pay: a poor performance.

Picture the following scenario:

You have an entire week to work on a task.

But procrastination gets in your way almost immediately.

You start thinking to yourself that you don’t need to get started right away.

Before you realize it, you are left with just a day to go.


You are forced to rush through the task in order to beat the looming deadline.

The result?

A haphazard performance.

You know what this is going to do to you?

Cost you similar projects in the future.

  • You May Not Recover the Time Lost

It goes without saying procrastinating is a time waster.

While you’re busy procrastinating, time is busy moving.

How many times have you wondered where all the time has gone once there’s a looming deadline?

Yes, time flies people.

And, because time is money, when it’s gone, it’s gone with the money.

This is yet another way procrastinating can make you live from hand to mouth.

  • Your Reputation Could Be Ruined

If you’re always procrastinating, you could be putting your reputation at risk.

In no time, people will know you for who you really are: always shelving tasks to work on them at a later date.

Consequently, if you are a freelancer especially, people will start thinking twice when it comes to assigning you tasks.

Which well is enough to send you begging for money.

You don’t want to get here, do you?

  • Your Career Might Be Jeopardized

So you are seated at your work desk.

And, you’re staring into the mountain of targets that you haven’t met for weeks (or even months).

And, you’re probably wrestling with your mind for an explanation to give to your boss.

Clearly, you are trapped.

And here’s why you may be doomed, too:

Chances of you getting promoted are almost nil.

Or, worse still, you risk being shown the door.

No boss wants employees sleeping on their job, right?

That’s how the sharp thorns of procrastinating will find their way into your flesh, piercing into the tenderest meat, deeply and mercilessly.

What Causes Procrastinating?

Procrastination doesn’t just happen.

It is triggered.

Yet, it’s not surprising that most procrastinators are ignorant of the causes of procrastination.

They find themselves entrapped without knowing exactly how they got there.

However, did you know some of the reasons you’re procrastinating are related to everyday experiences.

For example…

1. Wanting to Be a Perfectionist

While there may be nothing wrong with exercising perfectionism, it may well cost you that goal you are so dying to achieve.

It might cause you to procrastinate.

Oftentimes, in your endeavors to becoming a perfectionist prior to embarking on a task, you may find you’re putting off doing the task for a considerable period of time.

Yes, ages: perfectionism doesn’t come in a day, does it?

Eventually, when you feel your perfectionism is at its best and you’re good to go, you suddenly become reluctant, again.

What could be holding you back this time?

The answer is simple.

It’s the feeling that your perfectionism isn’t refined just yet.

That you need one more skill, or two, in order to spruce up things, again.

Sooner or later, you end up not doing the entire task altogether.


This why you want to be wary of perfectionism, especially when your task requires immediate attention.

2. The Fear to Fail

Some people procrastinate because they question their competency.

They are in doubt if they are ever going to make it.

They think they just don’t have what it takes.

The “what are people going to say” mentality is written right in their forehead.

The humiliation that is sure to ensue afterwards can’t seem to escape their mind either.

It’s pretty clear their mind is made up, for the worst!

If you fall in this category, chances are high you’re never going to attempt doing anything.

Yes, anything.

A Predisposition Against Specific Tasks

Procrastination is borne when you have an inclination against certain tasks.

This is when you already have a fixed mind-set that certain tasks can never be a success.

No matter what!

It could be because other people have had a difficult time handling these tasks in the past.

Or, the outcome has never been really fruitful.

You know what you’re doing?

You are merely moving with the masses.

Which is dangerous!

It could turn you into a chronic procrastinator, if you aren’t one already.

The Focus Isn’t Just There

Maybe you are trying to get a task done.

You have everything you need to get started, even.

You are good to go.

But the focus isn’t just there.

Note that a lack of focus alone is enough for you to procrastinate.

But why exactly can’t you focus?

Chances are high you are not getting a good night’s sleep.

Or, your diet is lacking.

Or, worse yet, your workout regimen is wanting.

A healthy lifestyle is key if you want to keep your focus.

How to Stop Procrastinating

Maybe you are here because you want to stop procrastinating.

Rest assured you can do it.

It doesn’t matter if you are a chronic procrastinator or not.

You only need to know one thing: the reason you’re procrastinating.

Then work your way around it to limit the distractions it might have on your productivity.

Whether it’s perfectionism, fear of failure, an inclination against certain tasks, or a lack of focus, it doesn’t need to cripple your productivity.

Here’s how you can stop procrastinating:

Consider the Time Factor That’s Tied Around Perfectionism

Perfectionism comes with a price tag attached: the precious time it steals from you.

Learn from my story:

Until of late, perfectionism has always stood in the way of my activities.

But, the major blow came when I couldn’t get started on my writer website.


All I wanted was nothing short of flawlessness.

So my journey to perfectionism began.

I started reading e-books upon e-books, attended countless webinars and I even enrolled for multiple online lessons.

But, I couldn’t make that first step, even, irrespective of the nagging persistence that stayed on.

I felt I was still that novice who needed to pull up their socks and felt I needed to do a lot more.

I also felt I needed to master a few more skills, in addition to what I’d already grasped.

Before I realized it, it was almost two years since.

Yet, I was still holding tight onto my “perfectionism”.

It was disturbing!

Then I decided to give perfectionism a second thought.

Sooner or later, I discovered that I have to start first before perfectionism comes in.

Perfectionism has to get me on the way.

And yes, you guessed it right, I got started.

How I did it?

I’m not sure.

I just got started.

The rest, like they say, is history.

The thing is, unless you take that first step, perfectionism could stand in your way.

Sometimes, for good!

Is Fear of Failure Really Worth It?

If fear of failure is the reason behind you procrastinating, you need to rethink it.

Remind yourself that all the successful people out there were once but a bunch of failures.

Then they knew only too well that they’d to start from somewhere.

They also understood that it didn’t matter whether they succeeded or failed.

All they cared about was putting their best forward.

And that, my friend, is the mentality you should cultivate if you’re looking to overcome this ugly monster called “fear of failure”.

Look at fear straight in the eye and think about all the pain it has caused you.

Think about all the opportunities it has made you lose.

Then put this fear behind you in order to take that first step.

And, guess what?

You should get started on that task you’ve been postponing for ages.

If this is not enough to stop you from procrastinating, you need to see the doctor!

Recoil from Preconceived Notions Against Certain Tasks

While you may be pretty sure that specific tasks have had little success in the past, it is no enough reason to turn your back against them.

Even if there is considerable history to back you up.

Whatever that went wrong in the past isn’t guaranteed to go wrong in the present.

Times are different.

People are different too.

It could be that you just don’t know you boast a greater potential to succeed than your former competitors.

Maybe you have no idea the world is waiting for you to change history.

You are the one who has to open the new page.

So, come on!

Bypass the pitfalls that have made others fail in the past.

Grab your opportunity with both hands and be the change the globe has been longing for.

Yes, you can!

Spot Distractions and Handle Them Beforehand

Distractions are the things that can shift your focus from working on your goals.

And, because you know yourself better, you can spot easily these distractions.

No one can do it better than you.

So, start now.

If it’s your diet that’s lacking, making you lose your focus, consider visiting a nutritionist for some advice.

If it’s insufficient sleep that’s the devil, please ensure you are getting a good night’s sleep.

Or, if your muscles are pretty stiff you can hardly lift your limbs, then you need to recheck your workout.

Walk Away from Undesirable Friends

Maybe your friends are cynics of all time.

They keep on spitting venom whenever you are just about to embark on a task.

You, probably, have fallen prey to their negativity a couple of times.

And, now, you can barely focus on key jobs.

What should you do?

Walk away!

Simply show your “friends” your back.

It is wise to not have friends than surround yourself with brooding vipers.

Friends should be there to lift you up when you are down.

They should revitalize your spirits and urge you to carry on, even when it’s clear you’re not going to make it.

On  a side note…

It’s possible I may not have mentioned other things that could be detrimental to your focus.

Think of anything that may be shifting your attention elsewhere other than the intended job. And, be sure to solve the underlying problem.

You can use the services of a professional if you like.