“I never dreamed about success. I worked for it.” – Estee Lauder
We all like this word; we all use this word; and it’s pleasant to hear and read.
Did you also know that it’s one of the most googled words?
But what does it mean?
Success is the accomplishment of an aim or purpose, and it can also be considered the attainment of fame or wealth.
We all want to accomplish our goals, we all want to attain wealth and many of us dream of attaining fame. But what keeps us from it? What blocks our path to success? And most importantly, what is the secret key to success?
The Big Mistakes
“I definitely would never go back to my 20s. The best is yet to come.”- Celine Dion
Sometimes it happens that, after months or years of efforts and work, we give up- just because we can’t see results.
We feel discouraged, because we compare our present to our past and we make the common mistake of believing that we cannot achieve the same success that we previously achieved, maybe because then we were younger, smarter, or luckier. Not only is this a common mistake, but also a colossal and naive one.
Now, after years of work and achievements, we have more experience, and as a result, more tools to help us to successfully reach our goals. Because of this, thinking that the best has come already is a limiting belief, something we are convinced of that hampers our ability to seize opportunities to succeed again and again in life.
Another very common mistake is deciding to give up when success is right around the corner, because we are exhausted. In doing so, we lose all we were about to achieve. It’s like digging a hole for hours to find treasure, and giving up just two or three inches before reaching it, because we are impatient and believed we would not find it there.
Remember that real success takes time, and sometimes it includes feelings of failure as well.
This is why I want you to understand that the key to success is tenacity, because you can accomplish whatever you want, if you are committed to your goal.Advertising
“If you’re trying to achieve, there will be roadblocks. I’ve had them; everybody has had them. But obstacles don’t have to stop you. If you run into a wall, don’t turn around and give up. Figure out how to climb it, go through it, or work around it.” – Michael Jordan
If you believe that the best things in your life are in your past, and that happiness and success will never come back, you are sabotaging your present and unavoidably your future.
You have to be careful with this kind of mental behavior because it may prevent you from succeeding in many areas of your life, such as relationships and career- and it may be the cause of low self-esteem and poor life satisfaction.
Never give up just because you don’t see any immediate results; if you make this mistake, you will regret it in the future.
What Can I Do?
Some Practical Tips
To prevent such a mechanism impairing your life, you must convince yourself that the best has yet to come and that you can still accomplish a lot in your life.
In other words, in order to stop these self-sabotaging thought patterns, you have to follow some very simple steps.
First of all, what you need to do is take a piece of paper and divide it into two parts. Second, write down the negative beliefs that you think are obstructing your success in the first section.
Then, in the other section, identify the things that you want and can achieve- the things that would make you the happiest person on earth.
Then, use the power of the dreams that you want to realize, to prove to yourself that your limiting beliefs are affecting your life, and start working hard to reach your goals.
Believe that the best has yet to come, learn to be patient, and succeeding will be easier.
This way you will feel more satisfied, and the most interesting thing is that you will find yourself working even harder for your success.Advertising
“Man learns through experience, and the spiritual path is full of different kinds of experiences. He will encounter many difficulties and obstacles, and they are the very experiences he needs to encourage and complete the cleansing process.” – Sai Baba
Successful People You Should Emulate
“Let me tell you the secret that has led me to my goal. My strength lies solely in my tenacity.” – Louis Pasteur
Did you know that a man called Henry Ford failed five times before founding Ford Motor Company? Yes, you read correctly, he failed five times, but he was determined and believed that he could succeed, so he tried again.
Have you ever heard of an engineer who had an unsuccessful job interview with Toyota, and started his own business? His name was Soichiro Honda, and he was the creator of the billion-dollar business, Honda.
Did you know that before he became famous, Walt Disney was working for a newspaper and lost his job because “he lacked imagination and had no good ideas”?
Also, many years ago, a secret chicken recipe was rejected 1,009 times before a restaurant accepted it. The person who was trying to sell this recipe was Colonel Sanders, the creator of KFC.
“If you can dream it, you can do it.” – Walt Disney
What do those people have in common?
Well, the answer is very simple: they didn’t let anything discourage them, and they persisted in what they were doing.
They knew pretty well what the key to success was. They knew that real success needs time, and sacrifice, and it doesn’t come overnight.
Those people kept believing that the best was yet to come.
“I’m excited about what the future will bring and I think the best is yet to come.” – Alonzo Mourning
Image: Anthony QuintanoAdvertising
Featured photo credit: Paul Bica via flickr.com
Last Updated on June 22, 2018
How to Nix Your Credit Card Debt in Less Than 3 Years
Debt is never a fun thing to be in. But, there are many actions that you can take that will help you rid yourself of the burden of debt once and for all.
By coming up with a set plan, eliminating your debt can feel much easier than constantly thinking about it.
This post will provide some tips on how you can do this to help you nix your credit card debt in less than 3 years.
Hint: there are ways that are easier than you think.
1. Consider consolidating multiple credit cards if possible
This may not be applicable to you, but if you have multiple cards – it is something to consider. Keeping up with multiple bills is time consuming.
It will depend on the balance you have on each. Consolidate ones you can but do not do it to the point that you get too close to the maximum limit. Also, it is ideal to pick the card with the lower interest rate.
Consider if there are any fees or alternatively, rewards, with transferring a balance to another card. Watch out for fees. Note that some cards offer rewards for transferring a balance to them. This is extra cash that can help go towards paying off your debt.
Having one or two cards can make nixing your debt much simpler than keeping up with the balance of a bunch of cards. Keeping track of paying the minimum towards a bunch of cards is time consuming. Spend the time to consolidate instead to make the overall process simpler going forward.
My tip: Have one main credit card. Have a second one that you use for necessities – such as groceries or gas – that offers rewards for those purchases (a lot of cards do) and set the second one on auto-pay. You should be able to pay off a smaller amount on auto-pay if it is a necessity. If you think you cannot, then you may need to cut down a lot on expenses.
Why do I suggest doing this? Having one thing set to auto-pay is one less thing to think about. One less thing to waste time on. Same idea with consolidating to one main card. Tracking down too many is a hassle.
2. Try to pay the full balance you spent each month at the very least
You need to pay off the amount you are spending each month when that bill comes in. This is the amount you spent THAT month.
Do not let the debt keep accruing while you work on paying any unpaid debt that has accrued. It will become a never-ending battle. Try as best as you can to be current on paying for each month’s expenses when that month’s bill comes out.
If this is a strain, consider why. You may need to cut expenses. Or you may need to consider other cards. Or look at where this money is going.
3. Pay extra when you can – every small amount counts
This cannot be emphasized enough. If you are looking at a lot of credit card debt, it can look daunting, but each extra amount that you can put towards the debt will really add up – no matter how small it is.
It does not just reduce the principal amount that you have left to pay off, but it reduces the amount that is collecting interest. You will always save money with that reduced interest.
4. Create a plan on how to pay extra
Back to the main point, having this plan is giving you one less thing to think about.
This plan should be a plan that works for you. If it does not work for you, your spending habits, and your views on debt, then it will not be an effective plan.
For instance, if a set plan of an extra $50 (or another amount that you know you can afford) works for you, then do that. Set that aside every month and pay that extra amount. Treat it like a bill. Choose an amount that works for you and pay it like clockwork as though it was a bill you had to pay each month.
Little amounts will not nix it entirely, but they will help tackle it and having a set plan can make it less of a chore. Creating a new plan of how much to put towards it each month is an unnecessary added stress.
5. Cut out costs for services you do not use
If you are signed up for subscriptions that you do not use because of some free trial or for some other reason, cut it out. Your overall financial position will look better.
In turn, that will make cutting your credit card debt easier. Look at your statements to find these expenses. If you do not use them, you may forget you are paying some unnecessary amount each month. Cutting it out can really add up in savings that you can put towards other needed expenses.
6. Get aggressive about it
Consider these points:
Depending on the interest and the level of debt, you may need to give up a few indulgences. For example, instead of ordering delivery or going out to eat, cook at home. Everything adds up.
Other things may be more of a sacrifice. It may be a trip you wanted to go on, or a daily latte habit you’ve picked up. In these instances, consider how important it is to you and if it’s worth the sacrifice. And if it is a costly expense, think whether you can wait to indulge.
Cutting an extravagant expense can really help make a dent in your overall debt. Try not to add to debt when you are trying to pay it off. It will be a never-ending battle. Make it less of a battle with these tips and it will feel easier.
Bottom line: Do what you can to make this process easier for you. Implement steps that do this. It takes time now, but will help overall. Also, keep track of your spending and paying down of your debts. Which is the next point.
7. Reevaluate your progress at set intervals
Doing a regular check-in can help you see your efforts pay off or maybe indicate that you need to give this a bit more effort. If you check every 3-6 months, it will not feel so much like a chore or feel so daunting.
By doing this, you will be able to better understand your progress and perhaps readjust your plan. Bonus: if you see it pay off, it will feel great to do this check-in. You will get there.
Finally (and most importantly)…
8. Keep trying
Do not get discouraged. Pushing it off will make it worse. Just keep trying.
Once your debt becomes lower, each monthly payment will reduce the balance more. Why? You are paying less towards interest. It will be a snowball effect eventually and it will become much easier to manage. Just get to that point. And know once you do, it will feel easier and motivating.
Start knocking out your debt today
The best way to eliminate debt is to get started right away. Begin by implementing the above steps and watch your debt just melt away. Try out some of the above strategies and see what works best for you. Soon you’ll be on your way to a debt free life.
Featured photo credit: Pexels via pexels.com