One Thing You Can’t Escape…

Folks… I’m hearing a lot of stories of people going through unhappy times. It’s rough – I know. Sometimes, life just kind of deals you a bad hand and you have to make difficult choices on how you respond. My prayer for you is that you respond in the best way possible…

But here’s the thing – the largest number of people that I’m hearing about who are having a hard time with a particular situation brought it on themselves with bad decisions. Now, nobody is going to make good decisions 100% of the time but here’s the inescapable truth – you have to live with the consequences of your decisions 100% of the time, whether they were good or bad. Take your time and really think about what you’re doing and why – especially when the decision involves your faith, health, family, career and money. These are the biggest categories that give us BIG trouble when we repeatedly make bad decisions. If you’re facing one of these challenges, I encourage you to get past your pride, get past your insecurity, get past the blaming,  quit running from the issue and get to work on fixing the real problem. It’s not always easy but it has to be done. What other choice do you have?

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Thinking for a Change…

The art of thinking about where you are and where you want to be is, I believe, the most important step in changing your life for the better. You have to take action on your plan once it’s made, but you have to work on designing it first. With that thought in mind, here are a few questions to help get you started…

The biggest factor to our happiness in life is the quality of our relationships. When our relationship with our God, spouse, friends and family are good, life tends to be good. When those same relationships suffer, we suffer. For instance, think about the last time you had a fight with your spouse. What kind of day did you have? I bet it wasn’t one of your better ones. What can you do right after reading this blog to make sure those who love you know how much you care? Just a few loving words, phone call or note may be all that’s needed to do this.

Something else that helps determine the quality of our lives is where we are in relation to where we want to be. The greater the distance between these two points, the higher the level of anxiety. That’s because what you’re actually experiencing doesn’t match your expectations. That’s can be very frustrating.  We have all experienced times during which life threw us a curve ball and in the end, it was for the better. But, many of us have the potential to do and be much more than we are but we’re not taking the time to nurture our growth. To have a great life, it starts with creative thought then followed by planning and action. Like anything, it takes time, effort and energy. Don’t be afraid of that – complacency will keep you right where you are. If you like the way your life is, that’s fine. But if you get up each day frustrated and stressed with the way things are, it’s time to think for a change…

Let me give you an example. Yesterday, I saw a report that stated that the amount of unsecured debt (mostly from credit cards) is skyrocketing. This is happening in part because with the downturn in the housing market, fewer people have the opportunity to take out equity in their homes to meet their expenses. So, people are turning again to credit cards. Some are running up thousands of dollars in debt. Like the housing market crash, this trend could lead to a credit crisis. It’s predictable. The more households that try to fill the gap between their expenses and income, the deeper the hole they dig and the closer to bankruptcy they are. If this continues, watch for the rate of personal bankruptcies to rise over the next few quarters as more people get in over their heads (Rising gas prices won’t help this situation).

If you are in this trap, you’re going to have to make a plan to get off that track. Think about how you can either make more money or reduce your expenses, write down your plan and then take massive action on it. But again, you first have to think about what’s wrong and how you want to fix it. That’s step one. Start here and you’re well on your way. Don’t put it off. You can begin to change your life just by thinking. Pretty cool, huh?

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