Success In the Second Mile

Have you ever wanted to succeed at a high level?  To set yourself apart from others and achieve things most people don’t?  Would you like to be the one at your office that everyone else thinks of as the go-to person?  The path to becoming a high achiever is quite simple.  Easy never, but very simple.

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The Way to Live

In Matthew 5, Jesus is teaching the crowd how to live.  He cites a law of Israel, that when someone wrongs you and you lose sight in one eye, retribution was the law—the one who harmed you would lose that eye too.  Some for a tooth, or any other similar situation.  The point was, what harm comes to you from another individual, you may justly give the same harm back to them in retribution.

38 “You have heard that it was said, ‘An eye for an eye, and a tooth for a tooth.’ 39 But I say to you, do not resist an evil person; but whoever slaps you on your right cheek, turn the other to him also. 40 If anyone wants to sue you and take your shirt, let him have your coat also. 41 Whoever forces you to go one mile, go with him two. 42 Give to him who asks of you, and do not turn away from him who wants to borrow from you.

Fair is Fair

Jesus does not deny that you are justly able to take an eye for an eye.  That is the law and that is fair.  But Jesus teaches that you should forgo this right.  Instead, Jesus instructs us to respond to evil with love.  When we are wronged, instead of seeking to hurt our enemy, we are to seek after his good.

One Mile and Drop It

Now for the famous line in verse 41, go the extra mile.  If someone you didn’t like forced you to carry his stuff for him for one mile, what would you want to do at mile 1.1?  Drop it on the ground, right?  Well Jesus teaches us something profound: carry it another mile of your own accord.

Think now of the people in your life who you’re around in a typical week:  your family, your friends, your boss and coworkers.  Hopefully you don’t think of all these people as your enemies, hopefully you like them better than an enemy.  But how often do you go the extra mile for them?

What Did We Do Last Week?

When your wife asks you to help her with something, do you growl and complain, get it done quick and plop down on the couch?  Or do you go the extra mile?  When your boss gives you an assignment that you think is stupid, do you slowly trudge through it with a bad attitude?  Or do you go the extra mile? When your kids ask you to play with them, do you hurry up and get it over with so you can get to what you want to do?  Or do you dive in with enthusiasm and go the extra mile?

Set Yourself Apart

This behavior of willingly exceeding the expectations of those around you, regardless of whether you like them or find them awful people, will set you so far apart from the norm that you can’t believe it.  So few people live this way, and it is a guaranteed way to set yourself apart from and ahead of others.  People who live lives of mediocrity most likely won’t like to see you doing this because of the way it makes them look in comparison.  Don’t let them drag you down; the people who you want to surround yourself with are already extra-mile people, and it won’t take them long to notice you.  The rewards are great, the path is simple; do the hard work and we’ll see you at the top!

How We Program Ourselves

On your way into work tomorrow, what thoughts will run through your mind?  If you’re like most of us, your natural inclination will be something like, “here comes another day at the grind!  I hope I don’t see Jim today, he’s such a loudmouth!  I can’t wait till the weekend’s here!”  But do these thoughts help you? Or are they helping to create the very kind of day you dread?

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Want Control?  Take It!

Setting our expectations and our outlook for the day—or even for the next moment—is totally within our control.  Would your morning be better if you chose to speak something better to yourself while walking from your car to the office?

Let Wise Men Teach You

Zig Ziglar once said, “Positive thinking won’t let you do anything, but it will let you do everything better than negative thinking will.”  This is great advice from a great man!  When’s the last time you took control of your circumstances and made a decision to have a great morning?  Why let circumstances dictate our life to us? Do you really believe that telling yourself that your coworkers are rude and your work is boring does you any good? How about when you say things like, “it doesn’t matter how hard I work or what good things I do, no one notices anyway.”  Do these statements help you, or hurt you?

Attitude and Response

Simple as it sounds or silly as it sounds, you make the choice every day whether your day will be great or a dud.  Things outside your control will still happen.  Some may be pleasant, others not—but your attitude going in and your response coming out are both things you choose.  If you’re really interested in living a thriving life, right now’s a good time to start!  What kind of day will you make today?

Take a Step Back From the Edge

What would you do if your transmission went out tomorrow?  If your identity were stolen and your credit frozen, would you be taking the bus to work?  If your uncle offered to sell you his mint condition Ford Mustang for only $5,000, would you be able to come up with the cash?

We’re apt to take many of the great things in our life for granted, up to and including out income.  In our culture, it’s acceptable and a common practice to live right the edge of our income, spending 90, 100, or even 110 percent of our annual income each year.

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A Valuable Heritage

But for centuries (maybe longer), wise people have practiced the discipline of saving money for a rainy day.  Because we don’t know the future, it is necessary to save an emergency fund to have the options and choices we want.

In today’s article we’ll outline what the emergency fund is, why it’s important, and what it’s to be used for.  If you’ll make the decision to adopt this important discipline, you’ll reap the great rewards that wise men and women have been enjoying throughout history.

What’s It For?

The purpose of the emergency fund is to cover expenses that may come that you can’t predict.  Anything you can predict should be included in your monthly budget.  When I first began budgeting, I was tapping my emergency fund every other month, but as we get better at predicting what’s coming, there are fewer times when we need to use the emergency fund at all.  The goal is to have a full emergency fund that is never ever used, but just sits there “just in case!”

Can you estimate how much you spent on car repairs last year?  Take that estimate divided by 12 and this is how much you should allocate each month toward car repairs.  So maybe you’ll allocate $100 to car repairs in your February budget, even if you don’t take the car in.  But if your check engine light goes on in February, you have $200 sitting there, all ready to pay the bill.

If It Can Be Predicted, Figure It Out

Similarly, let’s say you know you want to upgrade your car by $4000, six months from now.  Just divide it out and you’ll find that you need to save $667 per month.  Again, it’s predictable so include it in your budget, not the emergency fund.

Overcome the Little Kid Inside

The tough part is saying no to all the things we’d like to do until the emergency fund is complete, totaling three to six months of your household expenses.  But it’s worth it to have the security; when you really need it and you have the money sitting there, it takes a lot of stress out of the equation.

Spend It All

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Good Advice

Here’s a statement you might not expect from a financial expert:   you should spend all your money!  In fact, you should spend the entire month’s income, even before the month begins.  You should spend it on purpose, by creating your cashflow plan before the first of the month.

Now, some of your money should be spent into your savings account.  Some should be spent paying down debts.  Some should be spent by investing into your retirement.  But it should all be spent.  Your income needs to exactly zero with all expenses, including savings and investments.  Why?  Because it isn’t until you lay out all income for January with all expenses in January that you  can make educated decisions about how much to allocate to the various competing uses your money can have.

You’re in Control

The beauty of using a cashflow planning tool like ThriveWealthy is that it puts you more in control of how your money is spent!  Since you are now making educated decisisons and prioritizing the things you value as most important, you are actually able to achieve more, and enjoy some of the better things in life.  Why not give this great free tool a try today?

ThriveWealthy Cashflow Software

New Habits for a New Life

Is there any area of your life that your wish was better?  Perhaps it’s a relationship that you would like to be strong and positive, but today is less than great.  Or maybe you are carrying a few more pounds of belly fat than you’d like.  Maybe your financial situation is a struggle, and you dream of days where you can go shopping for shoes and clothes without feeling guilty.  Whatever the area that you’d like to improve, there’s a simple and extremely effective recipe for attaining the thriving life you imagine.  It’s simple, not always easy, and requires faith and perseverance, which is why few people employ it.  Consequently, few people enjoy the harvest, and remain wishers.  But not you! Read on to hear how this timeless principle can work for you.

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WHO knows?

The first step toward developing success in your desired area is to find someone who already has success in that area.  If you want a strong and healthy marriage, think of people around who have great marriages.  Offer to take them out for a cup of coffee and ask them what they do to keep their marriage healthy.  If you want to live healthier and get in better shape, find someone who’s already doing it and ask what they do each week to get healthy and fit.  This person is your WHO.

WHAT habits?

Ask questions of your WHO in order to discover the WHAT that will get the results you want.  Many great books are available as well, which contain excellent information on the things you need to get from where you are to success in any given area.  Again, make sure the author has credibility in the subject at hand (the author should have success himself in the area he’s giving you advice in), and study to identify exactly what you will need to do to succeed.  Hint:  this will involve doing something different than what you’ve been doing.

Now the key

Ok, we’ve done the two easy parts, now all that’s left is the hard one.  Finding credibile sources is relatively straightforward.  Reading and asking questions of your experts to determine what to do is pretty simple too.  And many many people do these two things, and yet do not achive the results they want.  In many cases, it is for the simple reason that they did not stay the course.  You see, there must be consistant right action for period of time, a period during which the results of the new habit are not visible.  Take a new workout regimen for example.  How much different do you look after your first workout?  Sweaty, I know, but I mean after your shower!  Not much different.  What about after three workouts? Four?  Fifteen?

Right action, repeat, right action, repeat

You see, you may have a great workout program that will move you exactly in the direction you want to go.  If you sought advise from a credible expert to obtain the program (e.g. you have been following the ThriveFit regimen), your program is perfect for you.  But if you look back during week two to check your results, you’ll likely find little but disappointment.  You’ve been working hard, you’re supposedly doing the right things, but you still weigh ten pounds too much!  What gives?!  You think, “All this hard work, all this study and dedication, and I’m not getting any closer to my goal!  I should just give up and stay where I am.  At least then I’d have more time to relax and watch TV or something….”

Don’t Give Up!

And here is where we separate those who succeed from those who only dream and wish that things were better.  I’m all for dreaming of a better life, and I encourage you to do so.  But I would further challenge you to take your dreams and find a WHO, who will tell you the WHAT that you need to reach your dreams.  And finally, I challenge you to commit to doing that WHAT cosistantly, persistently, for a long period of time.  Do not be disuded by the non-winners and non-experts who try to take you off course.  Understand that your results will come in time, and have faith in the process.  Two paths are before you today:  right action toward your desired result, or life as usual.  Which will you choose?

Are You Safe?

You probably have a job.  Jobs are good, at least many of them are.  If you have a job, you get paid to come to the office or job site, spend your hours working on tasks, and at 5:00 you get to go home.  If you’re really blessed, you get to work with people you like and do tasks that are interesting and challenging.  Your job is a blessing, even if it doesn’t feel like a blessing at times, as it brings income into your household.  But for many, and perhaps for you, the one source of income creates a dangerous and precarious position.

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It Wouldn’t Happen to Me

How many people have to decide they don’t like you in order for you to lose your job?  Even worse than that, how many people have to decide that your department is overstaffed, and you are the most logical person to eliminate?  Unfortunately, in most cases, as few one may decide to give you your pink slip.

Companies who lay people off aren’t bad or evil—in fact, if they refuse to take such measures they run the risk of running the business out of business and causing all the employees to lose their jobs.  The answer to the tough reality of being an employee is not to get mad at companies.  Instead, why not protect yourself by diversifying?

Employee, Self-Employed

Working as an employee is only one of several major ways to create income.  It has the advantages of typically stable income (your paycheck is the same each week) and fringe benefits like insurance.  Disadvantages can include a cap on your income and a disconnect between productivity and compensation.  Some people create income through being self-employed.  They are still an employee, trading their time for money, but they have the added benefit of a larger income potential, as the money they earn is theirs, and the more productive they are, the more they make!  This can be a good option, but is tough to pursue without making a big change, quitting your job, and giving it a go.

Using Money to Make Money

Since our purpose is to diversify income, we’ll focus on the following two ways of creating passive income:  investments and business systems.  First, investiments.  You’re probably familiar with things like stocks, bonds, and real estate.  These assets are a great way to diversify your income, because instead of having to trade more time to get more money, as you do with a job or a self-employed opportunity, you use money to create money.  As you save and invest, your portfolio grows and grows, so that each year a larger and larger percentage of your total income is capital appreciation.  This is a great way to protect yourself from having your entire financial life being in the hands of one person.  You could still be laid off from your job, but now you lose only a percentage of your income, rather that the whole thing.

Creating a Business System

Another great way to create income is to build a business system.  You may not think you know about this concept, but if you’ve eaten at McDonalds you actually do!  The history of McDonalds, as the history of any fast food chain, began with one man’s good idea.  Ray Crock opened a hamburger stand, serving burgers and fries for 10 hours a day.  He figured out how to run the business well and made some money.  He wanted to make more, but didn’t want to stay open longer.  So, he created a business system.  He showed a friend how to open a burger stand just like his on the opposite side of town.  Then he did it again with another friend. And another, and another.  After a while, the new stands spawned more locations, and the franchise began to multiply.  Each new person who wants to own a McDonalds location is trained in the right way to run the place, and the system grows and grows.  Everyone wins here, from Ray Crock, to each business owner, down to each and every customer.

So What?

So how does this knowledge help you?  Is it only relevant if you want to open and run a McDonalds?  No—you can use this same model to diversify your income and lower your dependence on your employee income.  At TotalThriver.com, we not only help people thrive in the areas of fitness, finances, and faith, but we also show budding entrepreneurs how to start a business of their own.  Like other franchises, we have a proven system for getting a new person profitable in a business moving high-quality products that people in your network use every day.  Sound like something you’d like to check out?  Send a message to our Facebook group (ThriveMart) and get some info diversifying your income today.  Your tomorrow can be better than today; are you willing to put in the work to make the dream a reality?

The Well-Kept Secret

Those who are financially free are those who know, and have applied, something that the rest of us don’t.  In fact, not only wealthy people, but every person who has success in any area of life has learned and applied a secret principle.  Although these people are not shy about sharing their secret formula with others, the principle remains elusive for most people.  And of those who know this principle which guarantees success, a great many people refuse to employ it to affect the result they desire.

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The Action Component

It’s been said that knowledge is power.  This is almost correct:  applied knowledge is power.  The difference between knowledge and applied knowledge is this well-kept secret known by all who possess success–be it financial, physical, or in any other realm.  You must know what you want.  You must know what actions are required to obtain what you want.  But with these two pieces only you cannot succeed.  You need the third piece: consistent daily action.

Discover Your Dream

Imagine your dream life.  If you could have anything, anything at all, what would it be?  Whatever it is, let’s represent it as a large tree.  You have an axe and must chop down this large tree.  Each swing of your axe gets you a little closer to your goal.  Find a mentor who has a life closer to your dream life than you do.  Ask him what actions he took to achieve the level of success he has attained.  These actions are your axe swings.

Five a Day, Every Day

Now for the application of the secret principle:  Take these actions; every day.  Not some days, not for a short period, but every day.  Here’s what I know:  if you swing your axe five times per day, every day, every day, every day, eventually the tree will fall.  No matter how big the tree, no matter how great or terrible you are at swinging, the tree will fall.  You must know what you want, you must know the right activities, but many people who have these things right still do not succeed.  Too often, we give up to early, or fail to take daily consistent action.

Persist Until Victorious

Do not let failure beat you in this way.  Discover your dreams, find what your axe swings are.  Then commit to doing them every day without fail for the next 2, 5, 10 or how ever many years are required to get there.  Success is never comfortable or easy; it is, however, worth it!

Worth the Hassle

Today’s topic most certainly falls under the category of “things I know I should do, but I never feel like getting around to.”  Although this simple practice will help protect you from excessive damage from identity theft and is a habit of the financially responsible, all too often we’re apt to neglect checking our credit report.  But, with the information you’ll get below, you’ll find that this financial discipline is actually very easy, free, and will give you confidence in your financial health.

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Big Brother’s Watching

If you’ve never seen your credit report before, get ready to be surprised at all the information about you that’s floating out there in cyberspace! It addition to every credit account you’ve ever opened (many you’ve probably forgotten about), your credit report will show you previous addresses, phone numbers, and lots of other data that other parties collect about you.

Free is Good

There are three credit reporting agencies:  Equifax, Experian, and TransUnion.  You can access your credit report once per year from each agency for free by visiting www.annualcreditreport.com.  I checked mine earlier today, and from the moment I arrived at the site to the moment I printed my report was less than five minutes.

Watch for Posers

When looking over your report, note any activity that looks unfamiliar or suspicious.  If someone took out a loan or opened a credit card fraudulently in your name, it should show up on your report.  Take action to resolve these issues right away if they exist, as they’ll only get worse with time.  You may also want to close any inactive accounts that show a zero balance, as these can be easy openings for future identity theft.

Take a moment to download your report from one of the three bureaus today, and then set a calendar reminder four months from now to remind yourself to check another bureau then.  With this rotation you’ll get a copy of your report three times per year for free—and at a time cost of less than five minutes, we are all without excuse for knowing our financial health!

Your Surroundings

Imagine I had a very valuable and powerful computer, capable of extraordinary things and able to make me healthy, happy, and wealthy.  What should I do with this incredible machine?  If I asked you who I should have program it for me, who would you recommend?  Should I allow random coworkers, family members, or friends to load whatever content they want into my computer?

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Your Incredible Mind

Guess what—you do have a very powerful computer that can get you anything you want in life.  It’s called your brain!  Scientists are continually amazed at the incredible complexity and capability of the human mind.  And, just like a computer, your brain can be programmed.  In fact, your brain is being programmed whether you realize it or not!

The problem with most of us is that we are simply not intentional about what we allow to program our brains.  We often let the foolish words of well-meaning people invade our minds and keep us from growing to the heights we’re capable of.  One may try something great, fail, and accept failure as part of his life.  He then spreads his bile to those around him, discouraging others from pursuing their dreams, simply because he has failed, given up, and accepted defeat.

Filtering What Goes In

You have a choice.  You can spend time around the failure of a man described in the previous paragraph, letting his rotten ideas and programming spoil your mind.  Or, you can intentionally limit your time around such people and develop a filter for the junk ideas they spew.  Turning positively, you can seek out successful people, people who have achieved what you want and are seeking to improve themselves further still, and allow them to speak positive ideas into your mind.

Choose Your Associations Wisely

Success always requires hard work and sacrifice.  You can decide to accept your status quo as it is now and fill your life with distraction and entertainment.  Or, you can get around people who challenge, inspire, and motivate you.  The company you keep and the advice you follow will create the path and future of your life.  Will the path you’re on today lead to a thriving life?

Are You Busy?

We are busy people.  If you’re like most of us these days, you fill your plate to overflowing with activities, work, fun, family, church, sports, and many many other things.  Often, these things bring benefits to our lives, although they can sometimes make us feel overwhelmed.  Worse still, we’re not always too accurate in our estimation of how many hours a new commitment will require, and this can lead to a schedule packed full of activities that might not quite line up with our dreams, desires, and priorities.  Is there any way to gain control of our schedules?

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Money and Time

Just as it is with money, time often gets away with us.  Without intentional planning, the loudest cries for our attention get our time and money first, leaving other, more important priorities lacking.  A telltale sign of this is when we fine ourselves saying, “Oh, I’d love to do something like that, but I just don’t have the time!”  It doesn’t take too much reflection to realize how preposterous this statement is.  As if any person is given any more or less than 24 hours each day!  We all make choices each day how we will spend our hours.  It’s ok if you don’t want to prioritize a fitness regimen in your life, but don’t fool yourself by saying you don’t have time to go to the gym.

Be Real with Yourself

Think of it this way:  you, just like the rest of us, have 168 hours each week.  Typically, work will consume something like 45 of them and if you sleep 8 hours a night, that’s another 56.  So, how will you spend the other 67 hours?

Just as with budgeting money, budgeting our time will help us elevate our highest priorities first, and let the things that matter least fill in the gaps.  Instead of spending 24 hours watching TV this week, why not reduce it to 20 and invest those 4 hours into growing your marriage or relationship with another important person in your life?

You Can Have It; Are You Willing to Pay the Price?

It’s pretty easy to fall into the trap of wistfully wishing for things we’d like in our life, but failing to take any action in pursuit of those things.  What do you really want?  Can you make a decision today to spend three hours next week pursuing it?  Maybe all you can do during those three hours is some research.  But guess what?  The following week, you’ll be armed with the info you need to take the next step, then the next one, on and on until you reach the place you want to be.  The journey to success may be long, but what’s that to you—you’ve got time!  😀