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10 Ways to Ignore the Naysayers and Achieve Your Dreams

10 Ways to Ignore the Naysayers and Achieve Your Dreams

Whenever you step out from the norm, and declare (even if only to yourself) that you believe that you have a special purpose in life, and that you are going to do whatever it takes to achieve it, you will attract naysayers. Some of them may even be people who are close to you, but you can’t let that stop you from going after what you value. These tips will help you when the resistance from naysayers gets difficult:

1. Clearly Define the Dream

The more clearly you can articulate what you want, the better you’ll stick to it in the face of resistance. Get down to specifics. What does the dream specifically look like? How will you know when you have achieved it? Define this!

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2. Understand Why You’re Doing It

Why does this dream matter? There is no right answer to this question. The important thing is just that you can answer it, and that your answer excites you and moves you to action. The more compelling the reasons are that you want to achieve your dream, the stronger your resolve will be to continue.

3. Fight Your Inner Naysayer

You might be your own worst naysayer. Our ‘inner naysayer’ is that voice that tells us that we can’t do it: we aren’t smart enough, we aren’t rich enough, we aren’t lucky enough, we don’t know the right people, etc., to be able to pull off our unique vision. Don’t listen! Substitute your inner naysayer with an empowering voice.

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4. Surround Yourself with Positive People

You will largely become who you surround yourself with. If you only associate with negative people, you’ll likely be a negative person as well. If you surround yourself with people who are going after their dreams, overcoming their fears and developing their talents, you will do the same.

5. Take Risks

Nothing great can be gained if you aren’t willing to take risks. Risk isn’t something to avoid, in fact it can’t be avoided. Even a ‘safe’ job has risks. What is safe about it? There is more to life than just money. There is fulfillment and engagement. A lot of time the safe jobs don’t have fulfillment. Learn to embrace and enjoy taking risks.

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6. Be Willing to Fail

Failure doesn’t exist. There is no such thing as failure, there are only results. If you don’t get the result that you want from the actions that you take then take new action, it is that simple. Get over the fear of failure. Get out and fail quickly and often so that you can correct your mistakes and make progress.

7. Stop Talking About Your Plan

Excessive planning is a form of resistance. Action is far more important that plans. 99.9% of every plan ends up getting changed along the way, so don’t get hung up on having the perfect plan before you start. Take action. Start right away, and adjust your plans as you go. As long as you know what you want, you will move in the right direction.

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8. Take Daily Action Towards What You Want

Action shouldn’t be sporadic. There is power in habits. It is the “compounding effect” that Success Magazine editor Darren Hardy has written about. Daily action, sustained over time has a compounding effect.

9. Anticipate Resistance, It is Inevitable

You will not accomplish your dreams without a fight. Resistance and obstacles are inevitable, so don’t freak out when they happen. They will happen. Get over it and keep moving. One day at a time.

10. Be Spartan-like

Take a page from the Spartan handbook: self-discipline, austerity, courage. Expect more of yourself than anyone else could possibly expect from you, and then back it up with actions, every single day. That is the path to achieving your dreams.

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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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