Stone Press

Managing my monthly budget has constantly been a nightmare, juggling between regular monthly bills and unpredicted expenses. As soon as I received my paycheck, it was already spent. I get lots of bills every month and put them off to the last minute, then dealt with them all in a flush. As a solution I ended up taking over money from the next pay just to make it through. The problem was not related to how much money I made, it’s that I didn’t know how to manage mybudget. Worse yet, any emergency landed me even further in debt.

Most of us have been in this situation. We try to be cautious with our spending and be careful with our money, but long before the month is over, the money is spent. Paying Off bills is a juggling act that we don’t have the time or energy to comprehend. There’s always one bill that was unnoticed or delayed, one more expenditure we weren’t consenting for. With school supplies and fees for the kids, groceries, new tires for the car, and the rising cost of petrol, just making it from paycheck to paycheck is challenging enough; saving money is out of the question. Meantime, debt is quietly building up. How can I get my budget under control?

Fortunately for me, I found a service which will help me budget my money more sagely and take away the strain of paying monthly bills, allowing me to concentrate on the things that really matter to my family. No more concerning about where the money will come from; I can finally relax, knowing that my finances are in good hands.

How financial planning services work:
Usually during your first consultation, your budget specialist will evaluate all of your current debts and monthly payments and prepare a plan that works for you. They will set aside money for savings, emergencies, and long term investment, ensuring your family’s financial security. If you are planning a major purchase, this will be figured into your budget so that when you are ready to buy, the money will be there for you.

Your paychecks are generally deposited to your financial planner, and a seperate living expenses account is setup for you. Bills and repayments are diverted to your budgeting specialist for payment. Some budget services will even negotiate with your creditors to reduce your monthly payments and reduce your outstanding debt. A small monthly fee is assessed for all these services.

For me, the greatest monthly service mybudget specialist provides is peace of mind. No more fuss with bill payment; I know my bills will be paid on time, and that I’ll have money in reservation for life’s little emergencies. My budget is finally under control, thanks to my financial planning service.

I never minded when ladies stroked or even pulled my hair. I first observed the first telltale signs of hair loss while I was brushing my teeth one morning: hair was in the sink and noticed that the hair on top of my head was thinning out and less full than the sides of my head. I never thought that hair loss would occur to me: Most men in my family do not start losing hair until the age of 50. And yet, as I bent my head to look at the top of my head, I could soon see that hair loss was not just in my future but already occurring.

Once I noticed the thinning strands, I felt my confidence shake. I no longer wanted to brush my hair, wore caps as much as possible, and felt self conscious. My partner and I weren’t as intimate as we were because I was concerned about her noticing the thinning patch on top of my head. My anxiousness was through the roof and my work performance fell because of my accumulated stress levels and inability to focus.

Thankfully, I found Advanced Hair Studio. One of my friends told me about it in passing. He had been noticeably balding far earlier than I had. However, one day at the gym, I observed his hair looked full and fresh. He told me that Advanced Hair Studio was to thank.

That very night, I went online and purchased my first product and had them delivered overnight. The results were immediate: my hair felt stronger and thicker in just a few days. After a month the thinning patch that caused me to worry myself sick was full of hair. I’d never before thought anti-balding products worked. However, after my experience with Advanced Hair Studio, I now know that there are products out there that can save men a lot of stress, grief, and worrying.

How often do you hear a parental voice in your head that says things like, “You’ve got to lose weight,” or “You should get up earlier every morning and exercise,” or “Today I should get caught up on the bills,” or “I’ve got to get rid of this clutter.” Let’s explore what happens in response to this voice.

We have a very good reason for judging ourselves: the judgmental part of us believes that by judging, criticizing, “shoulding” ourselves, we will motivate ourselves to take action and therefore protect against failure or rejection. We may have been judging ourselves to get ourselves to do things “right” since we were kids, hoping to keep ourselves in line. And we keep on doing it because we believe it works.

Let’s take the example of Karl, who is a high-powered executive in a large accounting firm. Karl has had a heart attack and is supposed to watch his diet. Right after his heart attack, he did well avoiding sugar, fats, and overeating, but after six months or so, he found himself struggling with his food plan. In our counseling session, Karl told me he was upset with himself for having a big desert as well as a big meal the night before. I asked Karl to put himself back into the situation and recreate what he had been feeling.

“Well, I was out to dinner with one of our biggest clients. He asked me a question and I didn’t remember the facts, so I couldn’t answer him. As soon as this happened, that voice came into my head telling me that I’m stupid, that I should have remembered it and ‘What’s the matter with me anyway?’”

“What did you feel as soon as you judged yourself?” I asked.

“Well, looking back, I think I felt that sad, sort of dark empty hollow feeling I often get inside. And you know what - that’s when I started to eat a lot of bread with tons of butter and ordered the desert! I didn’t realize it was in response to that empty feeling that I hate!”

“So the sad empty feeling is what you feel when you judge yourself. Judging yourself is an inner abandonment, so your Inner Child then feels alone, sad and empty. You are telling your Child that he is not good enough. I know that you don’t do this with your actual children, but you do it a lot with yourself, don’t you?”

“Yeah, I think it do it all the time. After I judged myself for not knowing the answer, then I judged myself for eating too much and having desert. And then I felt even worse.”

“So what did you hope for by judging yourself?

“I guess I hoped that I could control my eating and also get myself to work harder so I wouldn’t forget things.”

“It doesn’t seem to be working.”

“No, it just makes me feel terrible. In fact, I can see that judging myself for not knowing the answer made me feel so badly that then I wanted to eat more. Instead of giving me more control, it gave me less!”

“So you are trying to have control over yourself through your self-judgments, but what actually happens is that you feel awful and behave in addictive ways to avoid the pain. I think what also happens is that some part of you goes into resistance to being judged and told what to do, so you end up doing the opposite of what you tell yourself you should do.”

“Right. As soon as I tell myself not to eat so much and judge myself for eating, that’s when I really want to eat. So I’m eating to not be controlled and also because in judging myself I’m abandoning myself, which makes me feel sad and empty, and I’ve always used food to fill up that emptiness. Whew! How do I stop this cycle?”

“You can’t stop it until you are conscious of it. As long as you are doing it unconsciously - on automatic pilot - you have no choice over it. So the first thing you can do is not try to change it but just notice it. As you become very aware of this pattern, you will have the choice to change it. You will have the choice to be loving and caring toward yourself instead of judgmental once you become aware of what you are doing. You can start by noticing every time you feel that empty sad feeling, and then exploring what you were telling yourself that led to the painful feeling.”

Karl did start to notice and over time was able to stop judging himself. Not only did the sad empty feeling that he had experienced so often in his life go away, but he was able to keep to his medical nutrition plan for his heart. When his Inner Child felt loved instead of judged, he didn’t need to eat to take away the pain.

About The Author

Margaret Paul, Ph.D. is the best-selling author and co-author of eight books, including “Do I Have To Give Up Me To Be Loved By You?” She is the co-creator of the powerful Inner Bonding healing process. Learn Inner Bonding now! Visit her web site for a FREE Inner Bonding course: www.innerbonding.com or mailto:margaret@innerbonding.com. Phone sessions available.

My hair loss treatment journey begun the day I started to discover myself balding. I would always find ways to comb my hair in a certain way to hide my hair loss. I noticed myself wearing more caps on the weekends as I went out with my wife, friends or family. Walking in to work every morning without my hat was an unpleasant experience. You change the way you think when you are experiencing hair loss. It is so true that you never know what you have until you lose it. That can be accurate about your hair loss.

Having suffered from hair loss, I began to appreciate every strand of hair that I had left. It was as if with each individual hair I lost, so was a small percent of my self-confidence gone as well. A mate of mine had been suffering the same problem as me. I noticed recently that he seemed so much more relaxed and it looks as though his hair was growing back. I never wanted to bring it up but after a while I decided to ask. That is when he told me about Advanced Hair Studio. With just a few treatments my friend Jimmy had not only regained his hair, but his self-assurance as well. After seeing what Josh has attained from Advanced Hair, I decided to pay them a visit.

I have to admit that I was a little sceptical at first. Results were evident within a few weeks. Not only on my scalp, but in my behaviour. I started to lose the caps on the weekends and I quickly started to feel better about myself. My wife has also observed a change in my day to day behavior as well. It is amazing how just a few trips to the Advanced Hair Studio had begun to change my life as a whole. I have constantly been cynical about people noticing my bald spot. Now, I am not scared to look people in the eyes again as I have my full set of self esteem back.

Advance Hair Studio has not only given me back a full set of hair, but a big piece of my confidence as well. If you are experiencing hair loss I highly recommend them as it has done so much for me in just a few months of treatments. Don’t let baldness take your self-confidence away.

Handling my household budget can often be very tough, not managing it properly can put me in to further debt before I realise it. The gains from looking after my budget correctly not only saves me money but also helps relieve tension from debt.

There are numerous things in life that regulate me financially, but nothing impacts my finances more than my household budget. There are not too many people nowadays who have learned how to budget and this can lead to many financial issues, including debt. One main reason why so many of us do not create a budget is because we think it is just too complicated. But in essence, creating a budget is not difficult at all; it can be as easy as recording down what we spend and keeping up with it each month. By practicing this habit, we do not spend more than we have.

It is essential for me to keep in mind that my budget is merely my programme for my monthly expenditure. Just like any programme, my budget does require me to supervise it to keep it running correctly. Preparing information was the first step in devising my budget. I monitor my expenses like car payments, utilities, car insurance policy, groceries, etc. If I do not coordinate my budget, I can easy find myself in debt. It is very important for me to know how much I need on expenditures every month.

I see two benefits with keeping abreast with my finances through my budget. Firstly, it eliminates superfluous expenditure. Secondly, I can keep myself from going into unnecessary debt. When I spend my money wisely, I buy only things that are necessary and I free up money that I can use on something that I want or can save it. With the extra cash I am able to save, I have the option of putting it aside and investing.

Hardly do we notice youths & young adults at their early 20’s with areas of hair missing from their scalps. The majority of hair loss in men happens in their thirties & 40’s, however it isn’t unusual from men in their late 20’s to lose hair as well. The thought of aging is feared throughout today’s society. Where aging was once upon a time a symbol of enlightenment and judiciousness, it is presently mostly looked upon as if the elder you are, the more boring you turn out. All that is absolutely not TRUE in most cases. However, since this is how the media & modern society depict middle aged men & women, and losing hair is a symbol of getting elder, it is no ponder that hair loss might well affect one’s confidence.

Television shows repeatedly portray middle aged men with hair loss as the folks most unlikely to succeed with getting dates, or being happy in general. The character George Costanza in NBC’s hit TV show, Seinfeld, is one perfect instance of this. Costanza was in his late thirties & endured classic male pattern hair loss. He quite often referred to his hair loss as one of his biggest reasons for never before succeeding at just about everything in life. Men and women alike both have a tendency to feel self conscious, exceptionally when it comes to the opposite sex. In our culture, a dense, luscious, head of hair is acknowledged to be attractive, and make someone emerge more youthful and healthy.

Current technology is most helpful in curing hair loss. Advanced hair restoration treatments are attainable to restore one’s hair & make it look effectively natural as if you had not lost any hair to begin with. It isn’t essential in this day and age to have to deal with hair restoration. A person’s quality of life doesn’t have to be changed with low confidence when there are so lots of advanced hair treatments to choose from. Whether a medicinal drug, topical remedy, follicle transplants, or laser therapy, there are abounding options that may suit any budgets.

Hair loss treatments are presently greatly popular and used by both men and women. Folks have lost their hair due to cancer & have found it is never to grow back can occasionally be advantageous from advanced hair therapeutics. Even if one are not completely losing hair, but experiencing from a receding hair line or your hair is thinning, you may benefit from an array of hair loss remedy. The days of entrusting on fake looking wigs and spray on hair are bygone. With so much choices of various hair loss treatments, you no longer have to live life feeling any less confident than they did in their early twenties.

I’m not a mass-produced laid back guy, traditionally occupied by watching junk tv missing the fun like a spoil sport. It’s unlikely you guys have never seen me post on great dating and companionship. No surprise.

Boredom is a fixable quality and intentionally neglected in my playbook. But, Here’s the situation, I definitely needed to end a special fling and I felt a great deal for but essentially carried on to nowhere. So one might go on record saying it may have been a few years since I dated. I don’t have the great expectations I held years ago.

Single life has had its perks so far. I know one thing, I can’t lounge about, peacefully devowering Star Trek Enterprise on my big screen. The real reason for this spell of occasional dating boredom? The people I know are settling down, and there are fewer available women.

My take-no-holds golf buddy, Josh, who has never had dating lameness, informed me he’s now somewhere he can relate. He introduced me to this Dallas dating serviceI joined. Of course, I like mingling among fun chicas who share my passions. Surprise, I decided to make a change and paid the membership fee to get started.

Keep it real, there ain’t room to be disappointed by being alone if you haven’t called anyone. As my old basketball coach Jason Jennings often said grinning, “Fools lose before they try, sonny.”

The man didn’t know my name. Regardles, the old man was on the money in a good old fashioned way. He meant well to everyone. The crazy series of Dallas singles events I just went to could have done a number on coach’s shiny bald head.

Last night at a Great Expectations happy hour I mingled with a few quality and desirable women that catch my expectations. I actually had a good time with a few indisputably incredible people. The evening ended following a promising exchange of numbers, and even grew some professional connections for my job. Right on!

Take action. You won’t be happy if you sit the bench. Listen to me and believe in your own great expectations for dating.

Cheers!

Josiah

Have you ever had a terrific idea which you didn’t act on? Of course you have. I don’t mean anything fancy either. Nothing earth-shattering. Just a plain old-fashioned good idea which would have made you more money. But you didn’t get moving on it.

Oh well.

I have a friend I’ll call James. James is an independent management consultant and a deep, creative thinker. I have great respect for his abilities to understand his clients and develop unique solutions for them. But he isn’t very successful. His business is ok, but hardly booming–and certainly not where he says he’d like it to be. He works with interesting people–just never enough of them. And aside from soliciting referrals, he does nothing to increase his overall practice.

The funny thing is, this guy has more brilliant ideas about how to build his business than anyone I know. The problem is he doesn’t implement any of them. James is just one of those people who stops before he ever gets started.

So much for James. What about you?

Do you have more ideas than action steps? Why don’t you just get going?

I encounter this issue often with people who have tons of great ideas about what to do next, that never get implemented. And they want to know why.

Have you thought about what stops you from acting on ideas or programs which could bring rich rewards?

I have, and I think there are several simple reasons.

1. Lack of an inspiring, motivating purpose

Why should we do anything? Why indeed! That missing why is called purpose. Without a strong purpose the urgent things take over. The ringing telephone takes over. “You’ve Got Mail” takes over. The knock at the door takes over. Inertia takes over.

In physics we learn that it takes additional energy to break free of inertia. A powerful purpose adds that energy. Energy that organizes your actions, and brings the important things to the fore. To break free of the inertia of your current routine, you need an inspiring purpose.

2. No clear vision

Imagine yourself at a six-way intersection in a fog so thick you can’t see a single landmark. You can’t even read the road signs. Which way will you go? If you do pick a direction, will you be confident about setting out, or will you proceed slowly, hoping for the fog to clear a bit before you pick up the pace?

Everybody wants to go somewhere–at least everybody in business does. But without a clear vision you can’t see where you want to go. And if you don’t see it, you won’t proceed aggressively and confidently on a course toward it– whatever it is–will you? So even if you craft a plan–to take you…somewhere, you aren’t likely to execute it. At least not anytime soon.

3. Not willing to make sacrifices or do the work

You already have more than enough to do, and whatever else you take on means something has to be set aside. Sacrifice means giving up something of value for something of even greater value. Which means there is something more valuable to sacrifice for. And you haven’t clarified what that ’something’ is. Or maybe you aren’t sure that it is worth it.

In this same category I put: giving up free time, relaxation time, play time, or whatever. But it always comes down to sacrifice, and the big question is, is it worth it. (By the way, I plead guilty to this one. There are times when I feel I have something important to accomplish, I just don’t feel it’s important enough to get off the couch for. What gets me moving is reciting the litany of purpose: “Why did I feel it was important? And what will happen because of that? And why is THAT important? And so on.)

If you are certain something will work, there is no risk and you will likely take action. On the other hand, if you are uncertain–and most things are uncertain to some degree–you wonder if it the risk is worth it.

So what do you believe? Do you believe your actions will pay off or not? If you aren’t sure, how much effort will you put into it? Will you hesitate? Postpone? Procrastinate? Go at half-speed?

Or maybe ‘it’ will work, in someone’s hands, but you don’t believe it will work in yours. In other words, you lack of confidence that you can get it done, and the risk is too great.

Each of these issues can be addressed by having a powerful purpose–and an inspiring set goals to achieve. When these are strong enough, they make the potential reward that much bigger and alter the risk-reward ratio in favor of action.

5. Fear

Sometimes it comes down to fear. You have a vision and a purpose, and you think the risks are acceptable. But what if it doesn’t work out. Then what? That’s fear. It won’t work out the way you want it to. What will you be left with then? Or even worse, not only will it not work out, but something bad will come as a result of it.

6. Everything else

You just have other things to do. Like what? Like the day- to-day stuff of running your business or doing your job. You can’t just keep piling it on, can you? No, you can’t. The question is, are the things you are already doing all worth while? Should some of it be delegated? Should some of it be dumped, or put on the back burner?

Once again, you must weight what you are already doing against your purpose and goals. If your existing action set is effectively driving you towards your goals, there’s no need to do more. But if you aren’t moving sure-footedly in that direction, then you need to shift things around and make room for what will.

You may have to realign your priorities, and reevaluate your options so that your available time and energy is dedicated to moving you in the right direction.

What about you?

What stops you? Any one of these six things can hold you back, or it may be a combination of things. Once you identify what stops you, it is much easier to address and get moving. Now you can transform your ideas into an action plan.

Paul Lemberg is the president of Quantum Growth Coaching, the world’s only fully systemized business coaching program guaranteed to help entrepreneurs rapidly create More Profits and More Life. To get your copy of our free special report with detailed steps on how to grow your business at least 40% faster, even when you aren’t sure what to do next, go to Paul’s business coaching website.

Click here if you are interested in Quantum’s Business Coaching Franchise opportunities.

As I sit to write this we are literally only days away from the 20th Winter Olympic Games in Torino, Italy. At a recent speaking engagement someone asked me if I would be competing and I pointed out that I had retired from the sport due to a knee injury I had sustained years ago.

As I later contemplated my answer I realize that that was only part of the truth. In Nagano, Japan I hobbled around on a knee swollen one and half times its size and thought nothing of it. Having competed in three Winter Olympic Games, I knew only too well the enormous price exacted in order to compete at that level, and this time I was simply unwilling to pay it. I was not willing to pay the price of being on the bobsled circuit for months at a time and missing my children growing up. I was not willing to pay the price of not pursuing my new love - a career as a motivational speaker and author. I was not willing to spend the time to hone my skills as a bobsled driver; choosing instead to invest that time learning and developing my skills as an entrepreneur. I was willing to pay the price, but not to get back to the Olympics.

I am reminded of the story of the hostess at a cocktail party. She approached the world famous concert pianist who had just given a wonderful recital and declared that she would give anything to play like him. He looked at her thoughtfully trying to find the kindest way to coach his response. “No you wouldn’t.” He finally said. An embarrassed smile creased her face as she exclaimed, “Yes, I really would!” “No Madame” he asserted, “you would love to play the way I play now, but I promise you, you would not be willing to practice 8 hours a day for the next 20 years to learn to play the way I do.” The silence in the room was deafening. Everyone present knew the pianist was right and that the hostess was only deluding herself.

There is no free lunch. Everything has a price and whether you are competing at the Winter or Summer Olympic Games or, like all of us, in the Olympics of life, you must pay it. You can have anything you want as long as you are willing to pay the price. The cost is exacted in different ways. Sometimes it is in dollars and cents. Perhaps you need to use your life savings and borrow from everyone you know to pursue a business opportunity. Maybe the cost is in time - the hours, weeks and months you need to invest to get that college degree. It could be the sacrifices you need to make. What must you give up to have what you want? The cost could also be in the form of personal growth. Not just in terms of developing your skills and talents, but also in terms of developing your self-esteem and confidence - your ability to elevate your level of thinking.

You don’t get an exciting career, a thriving business or live the life of your dreams without paying the price. The price must be paid in full. It cannot be bartered. Neither can you put it on credit or layaway. Your willingness to pay the price gives you the power to make your dreams come true. A refusal or hesitation to do so ensures that you don’t get to march in the opening ceremonies of life. Instead you are left outside the stadium listening to everyone else enjoying the fruits of their labor and living their dreams.

Chuck Swindoll had this to say about paying the price:

“A piano sits in a room, gathering dust. It is full of the music of the masters, but in order for such strains to flow from it, fingers must strike the keys…trained fingers, representing endless hours of disciplined dedication. You do not have to practice. The piano neither requires it nor demands it. If, however, you want to draw beautiful music from the piano, that discipline is required…

Light won’t automatically shine upon you nor will truth silently seep into your head by means of rocking-chair osmosis. It’s up to you. It’s your move.”

If you are unwilling to pay the price for your dreams, you’ll discover as others have, that the cost of regret will be far more taxing. Your willingness to pay it will allow you to discover, as I have, that achieving your goals will be different and more difficult than you imagined.

You will discover strengths and abilities that you didn’t know you had. You will be amazed by how much your horizons have broadened and by how far you can take yourself. In short, if you are willing to pay the price, it will be better and more beautiful than you could ever have imagined.

Keep On Pushing!