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Tuesday, January 12, 2010

A Secret Of Attaining Your Financial Goals

To be able to manage your cash well you need to have financial character. According to psychologist it takes like 21 days for a behavior or habit to become a personal character. Therefore, the habits you form can easily end up control your thoughts in a positive or negative way. It is up to you to decide which habit is good or bad and thus adjust, especially when it comes to financial issues.

It is possible to make a conscious decision to adopt good financial habits just as it is possible to know how to behave when in public. The first thing to do is, have a financial plan. Just as someone once said, “If you are going nowhere, then any road can take you there.”

The best approach when drawing a financial plan is to split it into two; long term and short term goals. In case you want to purchase a house, it would be better to start saving like $ 1,000 every month for deposit rather than saying I will buy a house in 3 years time. In other words, this is called budgeting, and allocating some money towards a project helps you stick to the plan.

As for the short term goals which include things like coming up with an emergency fund or starting a small business to supplement your income, you can plan for them in a period of at least two years. When you budget, it helps you to save and avoid overspending on things that would necessarily be of less priority.

The secret to financial planning is being specific in terms of amount and what you want to achieve. In addition, it is having time lines of when you want to attain your financial goals.

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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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