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5 Ways To Bring Out The Best In You

5 Ways To Bring Out The Best In You

Success for many people may be high performance, making a good and steady income or becoming wealthy, consistently doing the greater good for others, or simply just having inner peace within oneself. With life’s ebbs and flows, it can be challenging to become successful, no matter what your definition of success may be. Many people tend to become stuck in confusion of how to even begin to get to the level of success in which they want to be. However, there are some tips you can apply to help you get started.

1. Inventory Your Talents

In order to be successful at something, you need to perform well. Every person has something they are good at doing, whether it is taking care of others, performing specific duties that require certain skills, or remaining calm while being under pressure. You can also inventory your talent by asking people who are close to you to reveal what it is that they think you are good at doing. You can also ask those you care for what they think makes you unique and special. Finding perspective from others is a great tool to try!

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2. Think of Your Childhood

Take some time to relax, close your eyes, and think back to your younger days. Reflect on the times you were the happiest, think about the things you loved doing, and contemplate about how you felt when you were doing them. In addition to this, think about when you were younger (or even now), what you didn’t want to stop doing when you were told to switch to a new task. Ask yourself, “Why do I want to keep doing this? What precisely makes me enjoy it so much?”

3. Be a Dreamer

Surely, you have spent time just thinking about how you wish your life could be. We all do, even when we are seemingly in a good place in our lives. Successful people want more; they want to reach even higher. Using meditation each morning as you awaken, or at night before you go to sleep, will help clear your mind and open it up for accepting new thoughts. Dreaming big gives hope to anyone who wants to achieve more, and eventually those dreams will enable you to find a way to make good things happen!

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4. Be Daring

It is imperative to take risks in order to achieve your goals and to become what you want to be. You may have to be proactive in your search for a better life and reach out to others. You may have to apply for a new job, decide to go back to school, or start a business and step out of your comfort zone. This may make you anxious and uncomfortable, but, with all risks, it is necessary. Take that leap of faith and a deep breath, and go for it.

Unleashing and holding tight to something you love to do, either as a means of income or for sheer enjoyment, can be done with a little persistence towards yourself. It may take time to find what makes your excitement grow as you do something productive, but it is most definitely a realistic goal to set for yourself. Living your life, day to day, should bring you satisfaction and joy. After all, you deserve nothing less!

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5. Realize That Victory Is Near

Many people think that success for them is so far away and they get overwhelmed easily by thinking about it. When you have worked on your goals for a while but things don’t seem to be working for you, you might feel like giving up or at least frustrated. Usually ,when this happens, you are just two millimeters away from victory. This is one of the beautiful lessons I learned from Tony Robbins at his UPW event in Australia. Tony called this the “2-millimeter shift“. He explained that all you need is a little shift in your strategy or mindset in order to maintain the momentum to achieve the outcome that you are after. So when things are not working and you are stuck, just remember that victory is near and all you need is to find that tiny shift.

When you realize that the success you want is within your reach, you will keep going and utilizing more of your potential and resources to help you achieve your goals.

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Liem Nguyen

Entrepreneur

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Last Updated on June 22, 2018

How to Nix Your Credit Card Debt in Less Than 3 Years

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.

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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.

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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.

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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.

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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

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