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3 Simple Tools To Change Your Financial Reality

Career

Have you ever made 2-minute noodles? You know, the noodles that come in a pack that you add to boiling water with a packet of spices, and viola! In two minutes, dinner is served. Well, when I was in college, I ate a lot of 2-minute noodles. They were cheap. Rather than feeling sorry for myself because 2-minute noodles were on the menu yet again, I got creative. It became a challenge. How many new recipes involving these boring noodles could I come up with? How creative could I be? What would make this fun?


Years later, when I found myself $187,000 in debt, I used the same approach to my finances as I did with those noodles. Rather than seeing my situation as a problem, rather than focusing on debt, I started looking at it from the question of, “What else is possible here?” And, “How can I change this?”

Today, you can often hear me say, “No one should have a money problem – especially not you,” and “if you would like to turn your money situation around, know that it is possible.”

The following tools can be used to help transition your financial situation from tumultuous to a sigh of relief.

1

Ask Questions Continuously

People make statements about money continuously, but very few ask questions. If you desire something greater with your finances, ask questions continuously. Many of us were told not to talk about money when we were growing up. Many of us were told we asked too many questions and urged to stop. Questions are actually the beginning of change. They open the door to new possibilities.

Start to ask questions like, “What else is possible here?” Or, “How many revenue streams could I create?” And, “If I knew I couldn’t fail, what would I choose?”

Consider sending out exciting mail to clients or prospects to grab their attention. Take a cue from fashion houses who often send elaborate invites to their guests. The idea here is to stand out and build anticipation for a great show. Often guests have so many shows to attend that they must choose some and forsake others. In order to pack the house, elaborate invites makes them stand out. Louis Vuitton is known for sending beautiful clutches with the invitation enclosed.

2

Ask Money to Show Up

What if you could ask for money, just because you know life might be more fun with it than without it? What if the purpose of your life is to have fun?

Maybe you’ve heard the saying, “Ask and you shall receive.” Most people don’t ask for money because they have so many beliefs about what it takes to have it, how hard you have to work for it, where it can and cannot come from, and more. These beliefs keep people from simply asking for money to show up.

Get clear on how much money it would take to live the way you want to every month and then ask, “What’s it going to take for this to show up?”

3

Acknowledge You

Are you waiting for others to acknowledge you so that you finally know what you have to offer is valuable? What if you were the one who recognizes you are valuable, no matter what anyone else thinks?

If you are going to change your money situation, you have to be willing to acknowledge you. When you do not acknowledge you, you diminish you. When you diminish you, you limit your creative abilities. A much easier way to go forward in life is to acknowledge what you have accomplished, to open your eyes to your greatness and not dismiss the things that you have created and changed.

There are three ways you can begin acknowledging you more effectively:

Acknowledge the value of you
Acknowledge what is easy for you to do
Acknowledge what you create

It might be difficult for you to see your value at first. Commit that you will do it anyway; no matter what. Get a notebook and write down what you are grateful for about you - add at least three different things every day.

The best way to change your financial reality is to simply start. Wherever you are. Whatever your current situation, just start. Ask questions. Acknowledge you and all that you have already accomplished. Never stop.

3 Min Read
Health

7 Must-have Tips to Keep You Healthy and Fit for the Unpredictable COVID Future

With a lack of certainty surrounding the future, being and feeling healthy may help bring the security that you need during these unpredictable times.

When it comes to your health, there is a direct relationship between nutrition and physical activity that play an enormous part in physical, mental, and social well-being. As COVID-19 continues to impact almost every aspect of our lives, the uncertainty of the future may seem looming. Sometimes improvisation is necessary, and understanding how to stay healthy and fit can significantly help you manage your well-being during these times.

Tip 1: Communicate with your current wellness providers and set a plan

Gyms, group fitness studios, trainers, and professionals can help you to lay out a plan that will either keep you on track through all of the changes and restrictions or help you to get back on the ball so that all of your health objectives are met.

Most facilities and providers are setting plans to provide for their clients and customers to accommodate the unpredictable future. The key to remaining consistent is to have solid plans in place. This means setting a plan A, plan B, and perhaps even a plan C. An enormous amount is on the table for this coming fall and winter; if your gym closes again, what is your plan? If outdoor exercising is not an option due to the weather, what is your plan? Leaving things to chance will significantly increase your chances of falling off of your regimen and will make consistency a big problem.

The key to remaining consistent is to have solid plans in place. This means setting a plan A, plan B, and perhaps even a plan C.

Tip 2: Stay active for both mental and physical health benefits

The rise of stress and anxiety as a result of the uncertainty around COVID-19 has affected everyone in some way. Staying active by exercising helps alleviate stress by releasing chemicals like serotonin and endorphins in your brain. In turn, these released chemicals can help improve your mood and even reduce risk of depression and cognitive decline. Additionally, physical activity can help boost your immune system and provide long term health benefits.

With the new work-from-home norm, it can be easy to bypass how much time you are spending sedentary. Be aware of your sitting time and balance it with activity. Struggling to find ways to stay active? Start simple with activities like going for a walk outside, doing a few reps in exchange for extra Netflix time, or even setting an alarm to move during your workday.

Tip 3: Start slow and strong

If you, like many others during the pandemic shift, have taken some time off of your normal fitness routine, don't push yourself to dive in head first, as this may lead to burnout, injury, and soreness. Plan to start at 50 percent of the volume and intensity of prior workouts when you return to the gym. Inactivity eats away at muscle mass, so rather than focusing on cardio, head to the weights or resistance bands and work on rebuilding your strength.

Be aware of your sitting time and balance it with activity.

Tip 4: If your gym is open, prepare to sanitize

In a study published earlier this year, researchers found drug-resistant bacteria, the flu virus, and other pathogens on about 25 percent of the surfaces they tested in multiple athletic training facilities. Even with heightened gym cleaning procedures in place for many facilities, if you are returning to the gym, ensuring that you disinfect any surfaces before and after using them is key.

When spraying disinfectant, wait a few minutes to kill the germs before wiping down the equipment. Also, don't forget to wash your hands frequently. In an enclosed space where many people are breathing heavier than usual, this can allow for a possible increase in virus droplets, so make sure to wear a mask and practice social distancing. Staying in the know and preparing for new gym policies will make it easy to return to these types of facilities as protocols and mutual respect can be agreed upon.

Tip 5: Have a good routine that extends outside of just your fitness

From work to working out, many routines have faltered during the COVID pandemic. If getting back into the routine seems daunting, investing in a new exercise machine, trainer, or small gadget can help to motivate you. Whether it's a larger investment such as a Peloton, a smaller device such as a Fitbit, or simply a great trainer, something new and fresh is always a great stimulus and motivator.

Make sure that when you do wake up well-rested, you are getting out of your pajamas and starting your day with a morning routine.

Just because you are working from home with a computer available 24/7 doesn't mean you have to sacrifice your entire day to work. Setting work hours, just as you would in the office, can help you to stay focused and productive.

A good night's sleep is also integral to obtaining and maintaining a healthy and effective routine. Adults need seven or more hours of sleep per night for their best health and wellbeing, so prioritizing your sleep schedule can drastically improve your day and is an important factor to staying healthy. Make sure that when you do wake up well-rested, you are getting out of your pajamas and starting your day with a morning routine. This can help the rest of your day feel normal while the uncertainty of working from home continues.

Tip 6: Focus on food and nutrition

In addition to having a well-rounded daily routine, eating at scheduled times throughout the day can help decrease poor food choices and unhealthy cravings. Understanding the nutrients that your body needs to stay healthy can help you stay more alert, but they do vary from person to person. If you are unsure of your suggested nutritional intake, check out a nutrition calculator.

If you are someone that prefers smaller meals and more snacks throughout the day, make sure you have plenty of healthy options, like fruits, vegetables and lean proteins available (an apple a day keeps the hospital away). While you may spend most of your time from home, meal prepping and planning can make your day flow easier without having to take a break to make an entire meal in the middle of your work day. Most importantly, stay hydrated by drinking plenty of water.

Tip 7: Don't forget about your mental health

While focusing on daily habits and routines to improve your physical health is important, it is also a great time to turn inward and check in with yourself. Perhaps your anxiety has increased and it's impacting your work or day-to-day life. Determining the cause and taking proactive steps toward mitigating these occurrences are important.

For example, with the increase in handwashing, this can also be a great time to practice mini meditation sessions by focusing on taking deep breaths. This can reduce anxiety and even lower your blood pressure. Keeping a journal and writing out your daily thoughts or worries can also help manage stress during unpredictable times, too.

While the future of COVI9-19 and our lives may be unpredictable, you can manage your personal uncertainties by focusing on improving the lifestyle factors you can control—from staying active to having a routine and focusing on your mental health—to make sure that you emerge from this pandemic as your same old self or maybe even better.