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Tuesday, January 26, 2010

How To Manage Your Personal Finances And Achieving Personal Growth

Many people in the quest for an affluent life style have lost direction and ended up miserable. Everyone desires to live in the biggest of mansions and drive posh cars with their children going to high cost schools. It is however important to evaluate yourself and know whether you really fall in this class. Otherwise you will mess up your personal finances.

Competing with your peers who seem to be making it big in their life, will only make you play a loosing battle. I am not saying that these things are not good, but what I mean is that you need to put your focus on personal financial planning and prioritize your needs.

The money you might be rushing to purchase a state of the art showroom for example can be invested in shares which will earn you dividends in future. And instead of taking your child to that high cost nursery you can save for her college and university in future.

Many people instead of living within their means end up renting houses which they pay through their teeth. You should never use more than twenty percent of your salary to pay rent and yet some people use fifty percent just so that they can fit with their peers.

The same people proceed to buy a car which they pack in someone else compound. Money you pay your landlord is bad investment if it is not a mortgage you are paying. It is better to pay now and play later. Invest wisely for you future by working hard, saving and living within your means.

No wonder we see people whom we hitherto assumed to be well to do calling for fundraising to take their children to college. No one is supposed to burden friends and relatives with fundraisings while all along you knew that one day your child would go to university.

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Achievement - Power And Ability Of A Positive Mind

“Attitude is everything!” This statement carries so much truth that if every one took time to think about it and make necessary adjustment in life, then our lives would change for the better. Many times in our quest for self improvement, we have concentrated on changing and improving many things but our attitude.

Attitude is a person’s frame of mind. It is the mindset that a person has that helps him to develop a world view. Attitude is expressed by how we respond to issues. One person once said, “Life is not what happens to you but how you respond to issues”. Two individuals may encounter a similar negative situation but how they will each respond will determine the outcome.

One of the main attitudes we need to embrace is cultivating a positive mindset or attitude. As you read through history you encounter ordinary individuals who did extra ordinary things. Moses in the Bible was known to stammer in his speech but he became the deliverer. Abraham Lincoln on the other hand educated himself; he had no formal education but became the most acclaimed president in the history of the United States.

Mother Teresa, a simple nun in Calcutta also became an icon through her acts of mercy and philanthropy. The list could go on and on. What characterized these people was a positive mindset, they all believed in possibilities and they responded decisively for the good of humanity.

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