2 Highly Effective Financial Abundance Principles

By Matt Zavadil -

The average person never receives a proper financial education when it comes to succeeding with personal finance. Understanding that, how in the world will you find success when it comes to your own financial abundance when you've never been taught all the correct financial principles?

Whenever you see someone struggling to keep their personal finances together, it's because they haven't followed the steps that lead to success. Don't feel bad if this has just described you and your life to this point. You can turn all this around by simply following the next couple of keys that lead to prosperity. It really isn't all that hard. It just takes a little dedication to your future happiness.

The very first strategy you must understand is the importance of paying yourself first. Don't you always find a way to get your rent or mortgage paid each month? You put food on the table and make sure your kids have clothes to wear, right? But you don't pay yourself first. You must start doing this. Don't make the mistake of counting on your job or the government to help you retire. In this new day and age, most of us are on our own.

So, pay yourself first. Every single month, set aside a part of your income toward your future. Don't use the excuse that you have nothing left to work with. You don't tell your mortgage company this excuse, so why are you telling your future self this?

If things are really tight at the moment, there are companies that will allow you to start investing into an IRA for as little as $25 a month. If things are so tight that even $25 is too much, then you have some serious life choices ahead of you, such as discovering ways to increase your income stream.

You'll also want to put a little away into an emergency account so you can eventually lay off the credit cards. Which leads into the second personal finance rule. Right away, make sure you make getting out of debt a huge priority for yourself. Debt is financial cancer. There's no other way to say it. You must make it a priority to pay off all debts and then stay out of debt.

If you want financial abundance, you need to change your mindset when it comes to debt. Our society has become one that accepts debt without question. This must change for you and fast. It's not all right to go buy that big screen TV on credit just because you don't have the discipline to save for it first.

Think of debt as the way that you rob your future self of life, liberty and happiness. Yes, it's that important. Unless you want to never retire, work until your dying day and become a bitter person looking back, develop a plan to get out of debt today.

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Matt Zavadil: Take the two keys to financial success you've just learned and make getting out of debt your top priority at this time in your life. Once you finally get out of debt, then use those old payments to pay yourself first and fund your retirement.

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The Real Reasons Why People Are Always Late

By Gian Fiero

I know them. You know them too: People who are always late. It seems like no matter what the situation or event, they just can't seem to be on time. Some use a litany of excuses to justify their chronic tardiness, but the worse offenders are not only comfortable with being consistently late, but expect you to be accepting of their impunctuality as well.

Not only is their behavior selfish, it's also disrespectful.

People who are always late rob us of the most precious and valuable commodity that we own: our time. The time you spend waiting for someone to arrive is time that can be better spent doing a myriad of things; productive things in fact. When you are sitting idle it's because your time is being viewed as less valuable than the time of the person you are waiting for. After all, you are going to be honored with their company, so waiting is a small price (and inconvenience) to pay for such an enormous pleasure, right?

The truth of the matter is, no one - no matter how punctual - is always punctual. This is due to circumstances that can not be controlled such as a massive car pile-up on the freeway, being held hostage during a bank robbery, being stuck on an electric light rail vehicle while commuting during a power outage. Tardiness does happen rarely, not occasionally, to the most punctual of people.

When punctual people are tardy, they have reasons for why they are late; not excuses for why they are never on time. There's a difference. The person who is always late can realistically attribute their irritating impunctuality to one of several causes:

1.) Arriving anywhere on time requires preparation (the process of actually leaving point A), departure (from point A), and travel time, (from point A to point B). It's all geared toward a timely arrival at point B.

The vast majority of people who suffer from chronic tardiness arrive at their destinations late because they fail to properly plan (which also means taking driving /commuting conditions under consideration when estimating travel time), which delays their time of departure; thus making them late.

Not being properly prepared, or experiencing a disruption in the preparation process, results in tardiness as well. Though planning is the solution for many, it gets up-ended when people lack organizational skills.

Just the process of getting ready-to-go requires organization. (People with small children should take heed.) It should be done the night before. Selecting wardrobe and items needed for the following day puts you closer to departure when you wake-up. Failure to do so prolongs the preparation process, and can delay your departure. The end result? You are late - despite driving excessively fast in an attempt to make up for time lost during travel time.

2.) Then there's tardy offender number two. The worst kind. They just don't give a damn about being on time. Many (narcissistic) people like how it feels to have others anxiously awaiting their arrival. It makes them feel special, and in fact, empowered. Some even believe (though most won't admit) that the party (or whatever it is) doesn't start until they arrive.

When others are waiting on them it feeds their ego (or arrogance). This is why many celebrities like to arrive "fashionably late." It's proof positive (for them) that they operate under different guidelines and are not held to the same social standards; therefore, they don't have to extend the same social courtesy.

Ironically, the worst offenders (even celebrities) can, and frequently do, show up to certain appointments on time such as court hearings or airplane flights when required. This suggests that punctuality and priority go hand-in-hand.

Curing the impunctuality of the worst offender is obviously a more daunting task. The thing to remember about people who are always late is that they are well aware of their problem; and their problem is not for you to solve.

What do you do when you find yourself in the undesirable position of repeatedly waiting for someone? Leave. That's right. Set a grace period of say 7-15 minutes, and go back home, to work, or wherever you need to go.

Once you've made it clear that you value your own time - and will not have it wasted - you can restore the balance of respect in your relationship with your impunctual friend, and hopefully, send a clear and loud signal to them that always being late is not cool, and it's not acceptable.

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Gian Fiero is a seasoned educator, speaker, and consultant. His clientele spans multiple industries and professional genres. He has also taught at the high school and college levels, and is recognized as a growth expert in his field. Gian has been helping minds and businesses grow for over 20 years.



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Daily Inspiration - September 16, 2010 (Anthony Robbins Week)

By Terry Minion -

"What we can or cannot do, what we consider possible or impossible, rarely a function of our true capability. It is more likely a function of our beliefs about who we are."


"You see, it's never the environment; it's never the events of our lives, but the meaning we attach to the events--how we interpret them--that shapes who we are today and who we'll become tomorrow."

-- Anthony Robbins

The more I study and experience, the more it comes back to me that everything we experience and draw to ourselves comes from thought and what we believe, which is just a thought we keep thinking.

People can do the most amazing things when they believe they can--even if it is only an imagined belief or a temporary belief. I didn't really believe that I could walk on hot coals bare footed and not get burned, but I had a imagined belief and a temporary belief through suggestion and training. Now, I don't need the temporary any more, I believe, because I experienced it.

It is absolutely amazing what can be done with thinking it can be done and focusing on the imagination of having already achieved it. The greatest golfers and other athletes visualize their success prior to participating in the event itself. We can do the same, yet most of us rarely, if ever, make deliberate use of it. Many of us, instead, seek answers in the environment, events, authority; you know--reality. Yet it is the imagination that will help the most in making a change.

We do this all the time now. It's just that the imagination is used too often to imagine the worst, to build on the problem by focusing on it and continuing to speak of it or them. If we want to turn this around, we just use the same tools, but with a different perspective.

Are You Walking Funny?

By Craig DeLuz

"If you are going to talk the talk, you should walk the walk."

How often do we question those who's deeds are inconsistent with the values they proclaim to hold? Here we will help you answer this key question, "Are you walking funny?

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Daily Inspirations August 23, 2010

By Terry Minion

"If you always live with those who are lame,
you will yourself learn to limp."

-- Latin Proverb

You must constantly ask yourself these questions:
Who am I around? What are they doing to me?
What have they got me reading?
What have they got me saying?
Where do they have me going?
What do they have me thinking?
And most important,
What do they have me becoming?
Then ask yourself the big question:
Is that okay?

-- Jim Rohn

Who we hang with is extremely important in who we are, or who we become. It is natural and so easy to pick up habits of speech, posture, styles, mannerisms when we are around other people regularly. Many times the changes in us are subtle, but they are unmistakable.

Here's the truth: Since it is natural to have others influence us, our choices of who they are is extremely important. At the same time, it is natural for us to influence others, and our choices as to how we do that are extremely important.

Are they a positive or negative influence on us? Are we a positive or negative influence on them? Are we growing as a result of the relationship, or are we standing still? The choice is 100% our own and the results of it are also 100% our own.

Man Enough To Stand Alone

ByCraig DeLuz

It's easy to do the popular thing. It's not always so easy to do the right ting. And it really becomes a challenge when the right ting and the popular thing are not the same thing.

When confronted with situations like this are you man enough to stand alone?

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Will Smith's Wisdom

By Craig DeLuz

To sum this video up: Will Smith believes that hard work, commitment, focus and faith are the keys to his success. 

Integrity: What is your word worth?

By Craig DeLuz

There was once a time when a man's word was his bond; when business deals needed only be consummated with a handshake. While integrity like this may no longer be the norm, it is still valued...Greatly!!!

So, are you a man of integrity? What is your word worth?

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How Failure Can Make You a Winner

By Craig DeLuz

One of the big differences between being a winner and a loser is how one looks a things. In this lesson we will learn how winners look at and use failures to become successful.

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Willing and Able: Success Through Faith

By Craig DeLuz

The key to success is understanding that if we are willing, God is able. In this lesson we will discuss how our will to succeed can impact our ability succeed.

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