Random thoughts on debt an happiness, part 2

“There are no victims only volunteers.” Lee Milteer

“Be debt free, have emergency fund, shove it money, and invest.” David Dassow

Most people speak in terms of lacking, inadequacy, doubt, or “what I don’t have”. The way you speak is a reflection of the way you think. If you say you don’t have enough that thought first comes from your mind. There is a direct correlation of how you speak to how you think and act.

Your behavior is a direct reflection of how you speak and how you think. The way you think about money is important. By focusing on what you don’t have you reinforce what you don’t have and never get what you want. Effectively you always want it and never have it.

In order to correct your behavior and your speaking, and your thinking you must first do some surgery on yourself. You must first make a huge change in the way you think about money.

One of the easiest exercises requiring almost NO work is to get a journal or notebook and write down all the things you are grateful for. I mentioned this earlier. See a previous post on Gratitude.

“Wealth won’t find you if you are at home slouched on – or hiding under – the couch.” Dan Kennedy

“If you want something you have to do something.” David Dassow

I’ve had more people tell me that they want to do something real bad, I’m guilty myself, and never do the something they want to do real bad. Dreaming about doing something, assuming the Universe will some how intercede for you will not get it done.

If you want something you must do something to get it.

You choose your own reality. If you are in a world of debt up to your eyeballs you have chosen that reality. Once you decide to change your reality you will then be debt free. You and only You make it happen.

“Motion beats meditation.” Gary Halbert

Read inspiring stories. Autobiographies’ or biographies is a good place to start. I’ve often said that you should read every day. Shut the stupid box off (tv) you won’t miss anything. Besides if you have TIVO you can watch it later minus the commercials. Just missing the commercials will give you plenty of time to read.

Get MAD! Get real mad about your present situation. It will force you to take ACTION. And ACTION is the first step toward financial freedom. Getting MAD is the motivation to ACTION.

Follow-up is key. Change your attitude through gratitude, get mad about your present situation (motivation), develop your plan (use my $15 dollar a day strategy to get started), reward yourself for each milestone (each debt that’s paid off reward yourself with candy, or Starbucks, or some other simple pleasure), and FOLLOW-UP!

Follow-up means to keep doing it. Don’t quit. Most people get started but never continue it. They just quit doing it. Read this post daily. It will help motivate you to do it. As you see your success it will motivate you. Your anger will disappear and you will find even more motivation to do it. Each bill you pay off, no matter how small, will encourage you. Remember you eat an elephant one bite at a time. You get debt free by eliminating one bill at a time.

Get my newsletter for encouragement and strategies to keep you on track. And most of all if you cannot plan out your game plan than get my DEBT FREE LIVING kit.

Whatever you do just do it (to steal a phrase from Nike)!

To success and gratitude and debt free living!

David…

P.S. As you find more and more success paying off your credit one bill at a time it will naturally and easily have a profound effect on your attitude, the thoughts in your mind, how you speak, and how you behave.