Such a simple quick thing you can do to destroy bad habits —
get rid of the tools that allow you to sustain them.
Stay Positive & A Gun Doesn’t Fire If There Is No Trigger
Garth E. Beyer
Change
Read This If You Feel That You Can’t Save Money
I have experience with a budget. I know various formats that can be used for a variety of people. I am 19 years old and have written at least 10 different budgets for myself alone and 20 with someone else. In addition I have reviewed others’ budgets and studied the art of budgeting intensely. When a person passes the point of giving themselves excuses to not write a budget, the next thing I hear is that they are not saving any money.
They write a budget and at the end it shows that they will be saving at least 200 dollars. Yet at the end of the month they are negative 20 dollars. Of course there were life changes during the month and as I always say about budgets, they are not constant, but they are a constant process. No budget will work two months in a row perfectly unless you do absolutely nothing with your life, make no income, and no expenses. Not the most sought after life.
After another attempt at adjusting the budget for the following month, the same results occur. They just can’t save any money.
As I corrected budgets, for a long time I would find ways to lower expenses and cut back. A little about my story, I moved to Madison WI with someone in Aug 2011. Being young and in love, you can guess that we did not have much money. We had saved enough to last seven months living at the lowest amount of expenses possible. We quickly got jobs. (Check my LinkedIn and you can know why, but don’t judge a book by its cover. I actually got the jobs I have because of what is NOT on my résumé) Now that we were set with employment, our goal was to keep saved what we had and save more from our paychecks. Hell no it’s not easy! Can you imagine spending 55 dollars a week on groceries for two people? We do it. We minimize every other expense as much as we can as well. Yet at the end of each month, we only save about 50-250 dollars a month.
Last month we sat down with the budget and tried to make more adjustments so we could save more. It just couldn’t be done unless we wanted to sacrifice all of our happiness. Then it hit me, kinda like a master craftsmen would slap his apprentice over his head once he figured out how to accomplish something he thought could not be done. It was almost as if the slap had a voice and said “You idiot, of course that’s the only way. Why are you spending all of your time on limiting yourself to save money!”
What I learned — If you can’t save money, EARN MORE
I and so many others are doing the right thing with creating a budget but were so focused on making the current monthly income we have work properly. If we could just take all that energy and focus on making more money… You can only imagine how much life would change and the money you would save.
We are a perfect example, we now save 300-450 a month and have only just began our approach at earning more since we couldn’t save more.
Stay Positive and Know Where Your Energy Is Going
Garth E. Beyer
Enlighten Others
Tribes: We Need YOU to Lead Us
Tribes, by Seth Godin. Bestselling author of Purple Cow and The Dip.
Here are some short snippets of his book that I wanted to share. Enjoy.
1. “We’re embracing a factory instead of a tribe. The irony is that all of this fear used to be useful. Fear of change is built into most organisms, because change is the first sign of risk. Fear of change in a huge factory is appropriate when efficiency is the order of the day. Today, though, the fear that used to protect us at work is now our enemy; it’s now the thing standing in the way.”
– Even knowing this, I still have fear throughout my work day. I fear bumping into other employees in an awkward moment, I fear discussing the idea of receiving a raise, I fear being turned down and frowned upon when I ask for more duties since I am getting my one task done too quickly. We are nothing without fear, but only if we use the fear. Imagining what you would do if you did not fear the result is the best first step. The next step is breaking it down so you do not overwhelm yourself. You are in control, find a way to use your fear. And let’s face it head on; you may lose out, you may get pushed back, you may get fired, but there will ALWAYS be another spot to be filled! Always. And the next spot you fill, might just be the perfect one. Remember, challenging fears involves other people, and other people have fears too. Persistence and Patience.
2. “‘How was your day?’ is a question that matters a lot more than it seems. It turns out that the people who like their jobs the most are also the ones who are doing the best work, making the greatest impact, and changing the most. Changing the way they see the world, sure, but also changing the world. By challenging the status quo, a cadre of heretics is discovering that one person, just one, can make a huge difference”
– This is why I want to open a College of Passions. (Will be explained in a later blog post)
3. “‘Good Enough’ stopped being good enough a long time ago. So why not be great?”
4. Life’s too short to fight the forces of change. Life’s too short to hate what you do all day. Life’s way too short to make mediocre stuff. And almost everything that’s standard is now viewed as mediocre.”
5. “What people are afraid of isn’t failure. It’s blame. Criticism. We choose not to be remarkable because we’re worried about criticism. We hesitate to create innovative movies, launch new human resource initiatives, design a menu that makes dinners take notice, or give an audacious sermon because we’re worried, deep down, that someone will hate it and call us on it”.
– I only have one thing I want to say; Just because you think no one else is acting does not mean you shouldn’t. The absolute best way to become a leader is to be the first to TRY SOMETHING. Because when it’s a success, you begin leading. You bring out the best in others and this is something our globe needs. People to toss away their fear and start acting on their ideas and passions. Be the ignition!
6. “A fundamentalist is a person who considers whether a fact is acceptable to his religion before he explores it. As opposed to a curious person who explores first then considers whether or not he wants to accept the ramifications. A curious person embraces the tension between his religion and something new, wrestles with it and through it, then decides whether to embrace the new idea or reject it. Curious is the key word. It has nothing to do with income, nothing to do with education, and certainly nothing to do with organized religion. It has to do with a desire to understand, a desire to try, a desire to push whatever envelope is interesting. Leaders are curious because they can’t wait to find out what the group is going to do next. The changes in the tribe are what are interesting, and curiosity drives them.”
– “If you don’t try, you fail.” is part of the tattoo I have on my back.. And it stands true for every “curious” person in the world. Can you recall a time that you tried something because you didn’t want to be the only one not trying it? (I don’t recommend falling your friends if they jump off a cliff) But, now all you need to do is take that same emotion and change the scenario where no one has tried it. Be the first, and be the best.
7. “Faith is critical to all innovation. Without faith, it’s suicidal to be a leader, to act like a heretic. Religion, on the other hand, represents a strict set of rules that our fellow humans have overlaid on top of our faith. Religion supports the status quo and encourages us to fit in, not to stand out.”
– What a new look at faith. LOVE it.
8. “A couple walks by, obviously on their way to bed, having pushed the idea of vacation a little too hard. The woman looks over to me , in a harsh whisper a little quieter than a yell, says to her friend, ‘Isn’t that sad? that guy comes here on vacation and he’s stuck checking his e-mail. He can’t even enjoy his two weeks off.’ I think the real question–the one they probably wouldn’t want to answer–was, ‘Isn’t it sad that we have a job where we spend two weeks avoiding the stuff we have to do fifty weeks a year?”
– What a remarkable view of the event. Overall, wonderful book. It is not something I would push to the top of your reading priorities, but it’s definitely near the top. I got my notes here so I will be sharing this book now with someone else. Exciting. Hope you enjoyed what I posted and check the book out. I’m always here to talk about it if you want.
Stay Positive and Embrace Fear
Garth E. Beyer