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How to Stop Being an Over-Thinker

How to Stop Being an Over-Thinker

As a rule, thinking is a good thing and while some people don’t do it enough, some over-think everything. Both genders can fall into either category – today we’re going to chat about the one who does too much.

Some people think themselves into stagnation, frustration, exhaustion, anxiety and even illness. They have an aptitude for making the simple, complex, the easy, hard, the minor issue, a major drama and the pain-less, pain-full. They are adept at snatching defeat from the jaws of victory and also at wasting their time and talent through age-old art of over-analysing everything and everyone; analysis paralysis. They are experts at misinterpreting what people are saying and if there is a way to have their feelings hurt, they’ll find it. Even go looking for it. Not only do they have a history of almost doing things but more often than not they are obsessive, compulsive with perfectionistic tendencies. They worry too much. About nearly everything. They are people-pleasers who want change (different) but the change process scares them. They don’t need other people to sabotage their dreams or goals, they can do that all by themselves. They are highly skilled in the art of self-sabotage and if anyone will get in their way, it’s them. They are… the Over-Thinker.

So, if you identify with any of the above, then you probably inhabit the cerebral landscape somewhere between casual Over-Thinker and chronic Over-Thinker. Here’s a few tips to help you deal with your Over-Thinking-Ness (a word). (Now).

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1. Stop waiting for perfection (perfect timing, perfect conditions) before you do what you know you should have done long ago. Being ambitious is great but aiming for perfection is unrealistic, impractical and debilitating. Aim for constant improvement and consciously and methodically work towards positive change where you need it most.

2. Don’t assume. Don’t act on hunches, act on facts.

3. Be more proactive; do stuff! Get out of the theory and into the practical. Now! Do at least one thing each day every day that will get you closer to where you want to be. Even if it scares you. Especially if it scares you. To steal someone else’s book title, “Feel the Fear and Do it Anyway.” Don’t let fear hijack your potential or run your life (into the ground).

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4. Ask yourself the right type of questions; the ones which will put you (mentally) in a positive, practical, productive and solution-focused head space. Acknowledge the problem but be all about the solution. Consciously find the good.

5. Have a sounding board (coach, friend, mentor, relative); someone who will provide you with relevant, meaningful, specific, unemotional feedback – you can’t be objective about you. Make sure it’s someone who will tell you what you need to hear, not what you want to hear.

6. In order to consistently and consciously move from mediocre to amazing, create a plan and totally commit to it. Don’t give yourself an escape clause. Identify and commit to your non-negotiable behaviours.

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7. Stop rationalising, justifying and explaining what you’re not doing. Try honesty, it’s quite effective. And liberating.

8. Keep a Success Diary (wanky name but great concept). Journaling your thoughts, decisions, behaviours and results is a great way to keep perspective, stay focused and motivated and to de-emotionalise the change process. It’s also a good way for you to learn what works – for you.

9. Get out of your thoughts. Eckhart Tolle talks about finding that very quiet, relaxing and beautiful space beyond our thoughts. The place where peace, calm, joy and freedom live. This is something which needs to be worked on but with practice you’ll be able to do it almost anywhere at any time. We don’t know how hard it is to stop thinking until we try. And the irony is that moving beyond our thoughts is not really about trying but about letting go. Of the chaos. The mind can be an exhausting place and sometimes we need a holiday from it. If you struggle with this concept, start by losing yourself in some of your favourite music. Step out of your mind and into the music; away from the cerebral and into the creative. The spiritual. The non-thinker. If you’re interested in exploring and understanding this concept more, check out Eckhart Tolle’s book the Power of Now. It’s kind of heavy going (possibly weird depending on where you’re at) but well worth it if you can persevere and digest his words thoughtfully.

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10. With all the thoughts traveling around in your head, some of them should be evicted, others are stuck and are too scared to come out. See your brain’s thoughts as one massive Apartment Block. Let’s look at Level 2 of your Apartment Block … as you walk down the corridor, you hear the ol’ crazy woman behind Apt 22 “you should have done it this way stuuupid…”. Further down is the chatterbox in Apt 28 who always has her door open and jumps out and distracts you, just as you’re trying to get somewhere. At the end of the corridor is Mr Gotnothingbettertodo who without fail stops you dead in your tracks “if you only saw how silly you looked you’ve never do that again!”. These trouble-making tenants are in fact those thoughts that interupt your driving forces and freeze you with guilt, anxiety and reasons to keep us still. These tenants are really easy to spot, haven’t paid rent in years, are up to no good and are causing trouble to all the other (good) tenants. These tenants must be evicted – effective immediately!

Start right now – select the most disturbing tenant you know is doing you no good and hand deliver your notice NOW! Get in that elevator, press the button to the floor that you know you keep avoiding.. and march to their door with confidence and hand deliver that notice. If they don’t co-operate, grab them by the ankles and toss them out. These tenants have been settled for a long time and know how to persuade you – so don’t give in! Remember, you have other fantastic tenants there that will be right by your side to support you in this mass evacuation.

This will make room for new, inspirational tenants. Make this Apartment Block your own – bring it back to life, create activities for your community, put in groovy carpet, bring in leafy plants, put in a bar upstairs with 24/7 feel good music (next to the brain spa and indoor pool) – even renovate a complete level and turn it into a brain haven where your tenants can go to put their feet up and recuperate. It’s your Apartment Block – the possibilities are endless!

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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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