Hope for your financial life and beyond

How to Make a New Year Resolution That Works For You

December 27, 2021 by 7 Comments

Once again we face the turn of the calendar to January which means you may be thinking about making a new year resolution. It’s quite normal to think about all you want to accomplish in the year ahead. Having targets to shoot for is important to move forward in life. Without direction, your life will grow stagnant and directionless. It will have no spark.

new year resolutionBut just thinking about a new year resolution isn’t enough. You have to develop a definitive plan of action. This plan becomes the step-by-step guide that will help you accomplish what you want.

In order to get your plans on the right track, you have to decide on the right type of goal. Goals are hard enough to reach. And I’m convinced that we ultimately frustrate ourselves in the goal-reaching process by not making the right type of goals in the first place. Consequently, we end up drifting aimlessly because we did not have the proper starting point.

So how do you set goals that will help your new year resolution become a reality? Above all they must contain a few basic elements.

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The Best Definition of Teamwork You’ll Ever Read

July 15, 2020 by 8 Comments

Like all other sports enthusiasts, I am starved for athletic competition right now. In recent months, the spread of COVID-19 has disrupted sports around the world. I’ve always enjoyed playing and watching sports, mostly because it consistently reminds me of what it means to work as a team. That reminder points me back to perhaps the best definition of teamwork I’ve ever heard.

definition of teamworkIronically, the quote is not from someone related to sports. Rather he was a successful businessman turned philanthropist after he generated an incredible fortune in the steel industry. He believed that great wealth was a sacred trust and that the possessor of such wealth was bound to use it for the good of the community.

If you’ve guessed Andrew Carnegie, you’d be correct.

Being a successful businessman, Carnegie must have known something about leading teams. So it’s no surprise he came up with this definition of teamwork:

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How to Push Through the Scary Questions at the Start

January 1, 2019 by 23 Comments

ID-10083769Do you want to finish what you start this year? Maybe you have made a New Year’s resolution and aren’t confident you can do it. Or maybe there are simply so many unanswered questions and doubts in front of you it’s becoming overwhelming.

Finishing is huge for our psyche. It gives us so much confidence that we think anything is possible. It releases pressure and tension when we finally reach our goal. Finishing creates momentum and catapults us forward to even greater things.

Related Content: Winning is More Valuable Than Losing

Unfortunately, we don’t start at the finish and get those great rewards. We start our journey at a more logical place – the start.

The start of anything can be a very confusing place to be. It’s exciting and scary all at the same time. And the start is always full of questions like…

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Want to Chase Your Dreams? This Is the Right Way to Win Big

February 20, 2017 by 48 Comments

I hope you have some big goals you are trying to reach. Setting the right type of goals is key for personal and professional growth. But have you adequately prepared for what is ahead as you chase your dreams?

Our family faced a situation several years ago when my wife was facing a professional identity crisis. She enjoyed teaching math to high school students and was quite good at it. Although she loved the students, teaching wasn’t leaving her personally and professionally fulfilled.

So we began to discuss a big goal for her – making a career change that would take her from classroom math teacher to CPA. Those initial discussions were exciting. But, they were also filled with some indecision, apprehension and a little fear about how to accomplish the task.

chase your dreamsThe point here isn’t to be a discouragement as you chase your dreams. By all means, find your passion and go for it. However, many people have a tendency to jump before they think. That’s a mistake. You have to plan for the drawbacks and unforeseen situations that will arise as you chase your dream. The better you can prepare for those ahead of time, the easier they will be to deal with when they come.

We faced our share of issues during my wife’s transition. The great thing is we dealt with them and she eventually reached her goal.

Could it have gone smoother? Absolutely! That’s why I’m sharing five hints today from our experience that I hope will help you chase your dreams and reach that goal. You have to think these things through ahead of time and know how to deal with them if you want to win big.

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SMART Goal Examples For Your Money This Coming Year

December 14, 2015 by 15 Comments

smart goal examplesThis year is rapidly drawing to a close so what better time than to think about some financial goals for 2016. I’ve set and achieved many goals over the years. The best tool I’ve used to help me set goals is the acronym SMART. Today I’m going to outline what that means and give you some SMART goal examples for your money so you can see how it works.

There really is no debate that setting clearly defined goals will help you reach a target. Without something to shoot for how will you know if you’ve achieved anything? And what goals could you possibly set for your money? This is where the SMART acronym is useful.

What Are SMART Goals?

We often make mistakes when creating goals. This leads to frustration when we can’t complete them. Ever say you are going to save money but then never save any money? There are many factors that contribute to why that happened. One reason is that it’s not a very good goal to start with.

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What Would You Sacrifice to Gain Something Valuable?

May 29, 2015 by 10 Comments

Hidden Nuggets Series #89 – “Again, the kingdom of heaven is like a treasure hidden in a field, which a man found and hid; and for joy over it he goes and sells all that he has and buys that field.” – Matthew 13:44

ladderThat valuable item you seek will cost you dearly. You’ll have to let go of something you already value in order to pursue it. We know this to be true because we’ve seen it play out in our lives.

Completing personal goals…achieving wealth…working through a career change…renewing your spiritual walk…healing relationships…none of it comes easy.

None of it happens without great sacrifice.

The question you need to ask yourself is, “Will I be willing to give up “X” to pursue “Y”?

Jesus put it this way when he explained to the people how aggressively they should pursue heaven. He said in Matthew 13:44-45,

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How to Pass the CPA Exam On the First Try

August 20, 2014 by 27 Comments

Earlier this year, I wrote a post about how to tackle a huge looming project. Back in the summer of 2012 I was dealing with the biggest professional project of my life – studying for the CPA Exam. I’m happy to say that I now have my CPA license because I learned how to pass the CPA exam on the first try. Today I’m going to show you what I did.

Learning How to Pass the CPA Exam

how to pass the cpa examI read a ton about the CPA Exam itself before I started and while I was in the middle of it (and not at all after I was done). You have got to learn everything you can about it in order to pass. It’s important to learn from both the official source, but also from blogs and forums where people who are also taking the exam are chatting.

You’ll find out great little tips but also you’ll get the motivation to carry on when you get tired. Some places I looked at included:

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7 Financial Hurdles to Becoming a Stay at Home Dad

August 4, 2014 by 12 Comments

Today I’m guest posting and commenting at the personal finance blog Reach Financial Independence. Click the link below to read about the financial challenges my wife and I decided to check off our list before I became a stay at home dad. 

sprinters jumping hurdles

Image at Wikimedia Commons

So, you want to be a stay at home dad? Great! I’ve recently become one after several long years of planning and deliberation. Needless to say, it’s a decision that cannot be taken lightly.

In order to reach this point, my wife and I desired for several things to happen. First of all, my wife needed to REALLY aspire – out of her own conviction – to work outside the home. I didn’t pressure her or twist her arm to make this happen. In fact, on many levels, she wanted it more than I.

Secondly, there were of course financial matters to consider. Going from two incomes to one is no picnic. We both had to focus on…

Click here to keep reading at Reach Financial Independence…

Next Post: Back to School Savings I Don’t Care About

Prior Post: Celebrating a Milestone With My Top 10 Favorite Proverbs About Money

 

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Tools of Motivation: Getting What You Need to Succeed

July 16, 2014 by 38 Comments

tools of motivationWhat do you need to stay motivated and succeed?

For my money, nothing beats a good tool. Those who have ever worked on a construction site or have completed a DIY home project know this to be true. The more specific the tool is to the need the better it is able to properly complete the task.

For example, you wouldn’t use a hammer to insert a screw. Well, maybe you could. However, that method is probably going to cause some damage and a ton of frustration. The right tool is needed for the right circumstances to help you achieve maximum results in the most efficient amount of time.

Interesting thing about tools is how they motivate me to succeed. There have been times when I was having difficulty with a particular challenge and a tool pushed me through a mental or physical barrier. In most cases, the tool cost me money to obtain but in the end it proved vital to my success.

So for that I’d say the right tools are worth purchasing to help you win.

My Tools of Motivation

Tools of motivation come in all shapes and sizes for all aspects of life. Here are a few areas where I’ve seen tools be effective in my life.

Electronics

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The Final Destination Is Worth the Pain of Starting Over

July 7, 2014 by Leave a Comment

Today I’m guest posting and commenting at the personal finance blog Budget and the Beach. Click the link below to read the rest of this post.

Piece of paper reading No Pain No Gain

Image at FreeDigitalPhotos.net

Tonya, the owner of this blog and I share an affinity for physical fitness. Her go-to activities are beach volleyball and more recently running, while mine are biking and running. Neither of us train for competition at a world-class level. Our efforts are solely designed to fulfill our enjoyment, keep us fit and produce energy to tackle our respective daily activities.

Accept when they don’t…because we get hurt.

Her injury bug was a bum shoulder that kept her from playing beach volleyball awhile back. My most recent ailment was the dreaded…

Continue reading at Budget and the Beach

Next Post: Happy Anniversary! Luke1428 Enters the Terrible Twos

Prior Post: Debunking a Few Home-Buying Misconceptions

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What’s More Valuable: Short or Long Term Goals?

September 30, 2013 by 26 Comments

long term goalsWe usher in October tomorrow which means that 2013 is rapidly coming to an end. Remember all those New Year’s resolutions you swore would be accomplished this year? How did those short and long term goals pan out?

Most likely you accomplished some and dropped some. That’s the norm for most of us. I’ve been able to finish two short term goals and two long term goals so far this year. I postponed one to be completed in 2014. The only long term goals I have left for this year concerns my running.

Goals give us targets to shoot for and assist us in moving forward in life areas that we feel need improvement. When they are written properly, they serve to keep us focused and motivated. When accomplished, they give us an incredible boost of confidence and spur us on to create greater ones. I love the feeling of winning with my goals.

Bringing my goals into the public eye this year via this blog has been an interesting experience. It’s helped me develop a clearer understanding of goals and their importance in my life. Most notably, I’ve realized the need to establish a balance between goals that can be accomplished quick and those that will take some more time. Both types have value, bringing unique things into my life.

The Value of Short Term Goals

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