Everything I've Learned About Personal Finance in 10 Sentences

This post originally appeared on The Simple Dollar.

It's not really that complicated.

1. Spend less than you earn.

2. If you're facing a pile of debts, make minimum payments on all of the debts but the one with the highest interest rate, then make the biggest payment you can each month on that high one.1

3. Never expect that your "future self" or anyone else will bail you out of your dumb mistakes today and remember that only you can make better choices for yourself.

4. The quickest way to financial recovery is to get a grip on your spending impulses.

5. Life is going to hand you emergencies, so keep at least $1,000 in your savings account for those emergencies.2

6. Be completely open with your spouse about every single dime that comes in and every single dime that you spend.3

7. Buy items that will last for a very long time at the best possible price and you'll rarely be unhappy with them.

8. If your employer offers matching on your 401(k), take as much of it as you can get.4

9. When you're deciding how to invest, remember that past performance does not indicate future returns and focus instead on the fees and expenses.

10. If you have dependents who rely on you, you ought to have life insurance, but ignore any salesperson who tries to sell you anything other than a term policy.

A final "bonus" life and career tip: treat every single person in your life as you would like to be treated, regardless of whether you're in the workplace or in everyday life.

If you can handle all of these things, you're going to be just fine.

(Almost) Everything Useful I've Learned About Personal Finance in 10 Sentences | The Simple Dollar

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Quote from Ralph Waldo Emerson

"Nothing great was ever achieved without enthusiasm."

~Ralph Waldo Emerson

admin November 1, 2012

15 Ways to Fund Your Holidays without Wrecking Your Budget

Christmas is right around the corner and I’m sure more than a few people wouldn’t mind a few extra dollars in their pockets. If you’re like me than you would love to give your family and friends gifts they’re going to enjoy for Christmas. If you’re tight on funds though this extra expense can be a burden, so what I like to do is make a little extra money during the holiday months that I use specifically to fund my holiday festivities.
One great piece of news is a lot of us already have skills that could translate into extra income that we haven’t explored yet. Also with the rise in popularity of the internet just having a computer with internet access gives you a vast amount of extra money making opportunities.
Now let’s go onto the 15 Ways you can pay for your holidays.

1. Earn Free Gift Cards through Swagbucks

Swagbucks is an awesome little site I discovered a while back that allows you to earn free gift cards for doing things online. The gift cards are from major retailers like Wal-Mart, Target, and Amazon. I personally like the option to get Amazon gift cards as I make the majority of my online purchases on Amazon.

The way it works is Swagbucks rewards you with Swag Bucks for doing online tasks such as taking surveys, shopping online, watching videos, playing games, searching the web, etc.. The Swag Bucks can then be redeemed for gift cards or other rewards. If you’re online a lot (like myself) than it’s pretty easy to start earning rewards.   I have a few friends that have payed for their Christmas presents entirely with Swagbucks gift cards.  Swagbucks.com

2. Taking Surveys

If you have the time there are many online companies that give you cash in exchange for taking surveys. Now these surveys vary on length, topic, and payout and you will be pre-screened to make sure you qualify to take the surveys.  Surveys payout from $0.25 to $25 depending on the length.
Survey Sites:
Swagbucks.com    Also one of my favorite sites for surveys
OpinionOutpost.com  I like them because I get paid fast and surveys are easy
OnlyCashSurveys.com  They have a lot of short surveys that pay $2

3. Find Freelance Jobs on DoNanza

DoNanza is like the Google of freelance jobs.  It aggregates all the different sites you can find freelance jobs into one easy to search site allowing you to spend more time earning and less time searching for your next job.  Searching and posting your service is free.  I have already found a couple jobs on there.  Verify your email after registering to get full access. DoNanza.com

4. Sell Old Electronics on Gazelle

Gazelle allows you to turn your old cell phones, ipods, ipads or other electronics into cash.   Its pretty easy, you find your gadget, answer a few questions, ship it in (free if its over $1), get paid via check or PayPal.  I looked up my old iPhone 3Gs and found out that I can get $37.   Use this link and get an extra $10 any trade ins worth over $25.  Gazelle

5. Sell Your Stuff on Craigslist

One man’s trash is another man’s treasure.
Go through your home with a box and place items such as electronics, clothes, appliances, DVD’s, CD’s, and anything else you aren’t using and sell them on Craigslist.
You’re probably not going to get much money for your old belongings, but if you weren’t using them anyways they are just cluttering your home.
Every few months I go through my stuff and get rid of non-seasonal things I haven’t used in the past 6 months away. I’ve found that if I haven’t used the item in 6 months, I most likely will never use it again.

6. Sell Your Stuff on eBay

Even though I previously talked about selling your stuff on Craigslist, I’ve written this portion on selling your stuff on eBay because I’ve found that you can get more money selling items on eBay. It just takes a bit more patience.
People on Craigslist are mostly looking for really cheap deals. People on eBay are also looking for cheap deals, but you get a lot of normal consumers who use eBay like any other store. If you have some higher ticket items like laptops, computers, or cameras I actually suggest you sell them on eBay because you can make a little more money. If you want to sell items fast and willing to take a less money than Craigslist is a better option.

7. Sell Your Service on Fiverr

Fiverr is quickly becoming one of my favorite sites. The way it works is you can sell or purchase services for the lowly fee of $5. These services range from having a website banner designed to having someone act as your fake Facebook girlfriend for a week (YES you read that right!).
So if you have a skill like graphic design or can think of a creative service people will buy for $5 than Fiverr might be a great place for you to make money.

8. Become an Affiliate Marketer

As an affiliate marketer you can earn commissions by advertising for companies online. These companies will pay you a percentage of the sales you make or will pay a flat rate for a lead which is usually information such as a name and an email.
A great way to start with affiliate marketing is to create a blog or website on a subject that you are already interested in. By creating the website about something you enjoy it will make creating the content for your site much more enjoyable. Once you have your website up you should find offers that are relevant to your user base. For example if you create a website on Soccer, than you should promote offers such as selling soccer equipment or soccer posters.
Blogging platforms such as WordPress and Tumblr make it easy to quickly set up a nice looking website without any previous tech experience.

9. Have a Garage Sale

I’m a big proponent of selling things online on eBay and Craigslist, but if you have a lot of stuff than it might be a good idea to have a garage sale. This will allow you to sell those things that aren’t worth the effort to sell online for whatever reason such as being unshippable or low priced items.

10. Sell Stock Photos

For all you amateur photographers out there a great way to make some extra money is to sell your stock photos. A couple of stock photo websites you can sell to are iStockPhoto and 123RF. iStockPhoto has a review process that includes a quiz and requires you to show samples of your photography before they approve you as a partner. Once you are approved you will be given 15% of the sales they make on your photos.
If you are into photography I think this is a pretty awesome way to make extra money since you are already going to be taking pictures and doesn’t require any extra work.

11. Article Writing

If you are English speaking and have any type of writing skills there are thousands of people who are looking for someone to write content on sites such as Elance.com, Odesk.com, and GetaFreelancer.com. Depending on the quality of your work you can get paid anywhere from $7 per 500 word article to up to $50 per 500 word article.
Simply sign up to one of the sites mentioned and you will be allowed to view projects people have posted up that need to be done. You can bid how much you would do the project for and if your bid is accepted you will get that job.
Most contractors on these sites will ask for things such as samples of your work, so make sure to have them readily available.

12. Sell Your Used Books

Throughout the years you have probably amassed a nice collection of books. Even if you aren’t a reader you still have those old textbooks from college lying around along with those books you’ve received as gifts for Christmas, Graduations, Birthdays, and other special events. If you are an avid reader than you’ll have books that you just don’t read anymore or have lost interest in.
Here are some sites you can sell those books at:
www.cash4books.net
www.Amazon.com
www.half.com

13. Rent Your Home Out on AirBnB

If you are going to be gone from your home for any amount of time than put it for rent on AirBnB.com. Many people use AirBnB as a substitute for hotels and you can set the dates and price you are willing to rent your home out for.
If you are worried about strangers messing up your home you’ll be glad to know that AirBnB insures your home for up to $1,000,000 for anyone using your home through their site.
This is especially a great money making option if you are away from home often.

14. Help Somebody Learn on BrainMass

This snippet from the BrainMass website explains how you can make money with them:
You’re already an expert in your field. Why not turn that expertise into cash? BrainMass allows you to publish your existing knowledge in eBooks, turn your teaching experience into video form and put those tutoring skills to great use. We’ll help you to monetize the knowledge you already possess by marketing your work to our base of student customers who need help!
Brainmass requires that you have or are working a graduate level degree (Masters or PhD) from an accredited university to sign up as an expert in your site.
Once you are signed on as an expert you can make money answering questions from students and publishing content.

15. Sticking To Your Regular Gym Schedule with Gympact

How would you like to become healthier AND make some extra spending money on the side? The folks at Gympact have you covered. Gympact is a mobile app that charges its users $5 every time they miss a gym workout, then that money is divided up between those Gympact users who did stick to their gym commitments.
You are obviously not going to become rich using this app, but it’s a fun little way to make sure you keep those holiday pounds off and make a few extra dollars.
Get the Gympact app for your mobile device over here: Gympact

 16.  What else?

If you have more ideas please leave them in the comments section below.  Thanks!

Related posts:

1. 11 Ways to Fund Your Holidays without Wrecking Your Budget

Using the Law of Success to gain Emotional Control

Using the Law of Success to gain Emotional Control

"Inaction breeds doubt and fear. Action breeds confidence and courage. If you want to conquer fear, do not sit home and think about it. Go out and get busy."
Dale Carnegie

Much of what we do is directed by our emotions. Our feelings can lift us up to great achievements or throw us down to failure, we owe it to ourselves to have a understanding of how our emotions work and how to control them. The first step of controlling our emotions is to identify the feelings that motivate us and the negative emotions that break us.

The Seven Negative Emotions
1. Fear
2. Hatred
3. Anger
4. Greed
5. Jealousy
6. Revenge
7. Superstition

The Seven Positive Emotions
1. Love
2. Sex
3. Hope
4. Faith
5. Sympathy
6. Optimism
7. Loyalty


These 14 emotions are the letters of the alphabet to your key to success. These emotions will either write your plan of success or your failure. Each of these emotions are related to mental attitude, which is key to obtaining a pleasing personality, integral to success. You must take control of your mind and what emotions are going on at certain times. If you feel yourself getting angry, stop, think it over and realize this is anger, a negative emotion. Realize anger for what it is, and then let it go. You must master this technique in order to create a positive mental attitude and a pleasing personality. Also make note of the situations that spark these emotions, and act to eliminate them or to seek them out and use them.

Building a desire for success into a obsession and working towards your definite major purpose are the cornerstones of your effort to gain emotional control. Each strengthens the other, and when you reach progress with one, progress will begin everywhere.

Napoleon Hill and Budgeting Your Time

Napoleon hill and Budgeting Your Time

"Every person who wins in any undertaking must be willing to cut all sources of retreat. Only by doing so can one be sure of maintaining that state of mind known as a burning desire to win - essential to success." Napoleon Hill

Your attitude towards life determines your attitude toward time. People pretty much fall into two camps on this subject.

Doers:

• Have a definite major purpose
• Manage circumstances and resources
• Examine every idea they encounter before they adopt or discard it
• Takes risks and assume responsibility
• Learn from their mistakes
• Go the Extra Mile
• Control their habits
• Have a positive Mental Attitude
• Apply their faith in their own success
• Create mastermind alliances to expan their knowledge and experience
• Recognize their weaknesses and take steps to correct them

Drifters:

• Have no Goal in life
• Are controlled by circumstances and the lack of resources 
• Flit from one idea about life to the other, depending on this week's fad or what the guy on TV said last night
• Run from opportunity and blame others for their lots in life
• Make the same mistakes again and again
• Do only what it takes to get by
• Let their habits control them
• Have a negative mental attitude
• Never do anything to improve their situation
• Learn all they want to know from that guy on TV
• Wouldn't know a weakness if it bit them

Napoleon Hill and the Benefits of Controlled Enthusiasm

Controlling your enthusiasm will have many positive effects.

As you develop it will:

1.  Increase the intensity of your imagination and thinking.
2.  You will acquire a pleasing and convincing tone of voice
3.  Reduce the drudgery in your work
4.  You will have a more attractive personality
5.  Gain self confidence
6.  Strengthen your mental and physical health
7.  Build positive personal initiative
8.  Overcome physical and mental fatigue more easlity
9.  Spread your enthusiasm to others.

How to develop controlled enthusiasm

1. Adopt a definite major purpose.
2. Write out a clear statement of that purpose and your plan for attaining it. Include a statement of what you intend to give in return for its realization. 
3. Back your purpose with a burning desire. Fan that desire; coax it, let it become the domination thought in your mind.
4. Set to work immediately in carrying out your plan.
5. Follow your plan accurately and persistently.
6. If you are overtake by defeat, study your plan carefully, and change it if necessary. Do not change it simply because you have met defeat. 
7. Ally yourself with others whose aid you need.
8. Keep away from joy-killers and naysayers. Stick with the optimists.
9. Never let a day pass without devoting some time furthering your plan. Habits require reinforcement.
10. Keep yourself sold on the idea that you will obtain your definite major purpose, no matter how far away that moment seems. Auto suggestion is a powerful force in developing enthusiasm.
11. Keep your mind positive at all times. Enthusiasm will not thrive in a field full of fear, envy, greed, jealousy, doubt revenge, hatred, intolerance, and procrastination. It needs a positive thought and action.

Enthusiasm is the natural outgrowth of all your efforts towards success.  You now know the tools in order to build your enthusiasm, begin to build your foundation at every possible moment.

I thank Napoleon Hills book The keys to Success for this inspiration and article.

Ten Commandments of Business Management

Ten Commandments of Business Management

"Outstanding leaders go out of their way to boost the self-esteem of their personnel. If people believe in themselves, it's amazing what they can accomplish."
Sam Walton

In 1962 Sam Walton opened the first Walmart in Rogers, Arkansas. By 1970 it became a chain of stores across the country.

From Walton's Biography, Made In America: My Story, he outlines what he believes to be the ten commandments of business management.

1. Commit to your goals
2. Share your rewards
3. Communicate all you know
5. Value your associates
6. Celebrate your success
7. Listen to everyone
8. Deliver more than you promise
9. Work smarter than others
10. Blaze your own path

Walton firmly believe that "individuals don't win, teams do." When Walton died in 1992 he was the richest man in the world.

Goal Contract

Goal Contract

Goal Contract
Binding Contract of Commitment


Name: ______________________________
Date: __________________________

It is the intention of the undersigned to move forward toward this goal in thought and action and to make all of the positive choices necessary to obtain it.
___________________________________________________________

___________________________________________________________

___________________________________________________________

___________________________________________________________

___________________________________________________________


I understand that this goal is what I want for me and that every positive choice I make, no matter how small, is a step toward the fulfillment of this goal. From this day forward I will not be denied any longer. This is the day in my life that I finally make the choices that I need to and quit taking the easy way out. I will pay the price that is necessary to reach my goal, because I know the pain of not fulfilling myself is greater than the pain of doing any job, no matter how difficult.


Signature of Intent

Intention Fulfilled

Congratulations, you created a vision in your mind and brought that vision into reality in your life by believing in that vision and moving relentlessly toward it through wise choices.


____________________________
Date Fulfilled

____________________________
Signature of Acceptance



*From Premeditated Success by Tom Murphy

Other Success Articles
Leadership
Smart Goals

Napoleon Hill Quotes

Napoleon Hill quotes 

Before success comes in any man's life, he's sure to meet with much temporary defeat and, perhaps some failures. When defeat overtakes a man, the easiest and the most logical thing to do is to quit. That's exactly what the majority of men do.

Create a definite plan for carrying out your desire and begin at once, whether you ready or not, to put this plan into action.

Edison failed 10, 000 times before he made the electric light. Do not be discouraged if you fail a few times.

Every person who wins in any undertaking must be willing to cut all sources of retreat. Only by doing so can one be sure of maintaining that state of mind known as a burning desire to win - essential to success.

Great achievement is usually born of great sacrifice, and is never the result of selfishness.

It is literally true that you can succeed best and quickest by helping others to succeed.

Quote by Nathaniel Branden on Enthusiasm

Enthusiasm

"What is a demanding pleasure? A pleasure that demands the use of one's mind; Not in the sense of problem solving, but in the sense of exercising discrimination, judgement, and awareness."
Nathaniel Branden


Enthusiasm does not know defeat! The sales manager who knows how to send out a army of enthusiastic sales people may set his or her own price on their services. By doing this they can increase the earning capacity of every person under their direction. Enthusiasm then benefits not only them self but possibly hundreds as well.

Enthusiasm Stimuli

1. Occupation in the work that one loves best

2. Environment where one comes into contact with others who are enthusiastic and optimistic.

3. Financial success

4. Complete mastery and application, in one's daily work, of the Laws of Success.

5. Good health

6. Knowledge that one has served others in some helpful way.

7. Good clothes, appropriate to the needs of one's occupation.

The importance of Pleasing Personality

Pleasing Personality

The seven main factors to use to create a Pleasing Personality:

1. Form the habit of interesting yourself in other people, and make it your business to find their good qualities and speak of them in terms of praise.

2. Develop the ability to speak with force and conviction, both in your ordinary conversational tones and before public gatherings, where you must use more volume.

3. Dress in a style that is becoming to you and appropriate to the work in which you are engaged.

4. Develop a positive character, through the aid of the methods outlined in this lesson.

5. Learn how to shake hands so that you will express warmth and enthusiasm through this form of greeting.

6. Attract other people to you by first "attracting yourself" to them.

7. Remember that your only limitation, within reason, is the one that you set up in your own mind.

Taken from Napoleon Hills book, The Law of Success.

Columbus Financial and Success coach is a transnational financial life coach which brings the power of energy work in my financial and success coaching. The 3 pillars of success model that combines the Body, Mind, and Soul as a very powerful as a tool for healing and to aid one to become successful in life.

By Derek P. Bliedung

Columbus Financial & Success Coach

Reiki Master & Teacher

Reiki Kabbalah Center

www.columbusfinancialcoach.com

Think and Grow Rich Review

Think and Grow Rich was first written more than 80 years ago, and today is still a widely read and respected book. Think and grow rich has sold millions of copy's and is considered the bible for people searching for financial freedom & success. The books main theme is based on Napoleon Hill's message "Everything your mind can conceive, you can achieve" and the title of the books says the same just in different words:

This book according to Napoleon Hill teaches the thirteen steps to riches. This book also offers many exercises and questionnaires to help you with your own self-analysis and progress. One of the main things I took from Napoleon Hills books and is restated often within Think and Grow Rich, Is that all mistakes are not failures, but are learning opportunities. This mistakes also create a seed for an
equal or greater achievement.

This book is as relevant today as it was 80 years ago, and has made scores of men & woman rich. Napoleon worked for 25 years to accomplish this theory, and it's proven and true. Never give up, and make your dreams become a reality.

I have developed my own business and system of financial freedom & success system based on the teachings of Napoleon Hill, Zig Ziglar, & Silver Ravenwolf. I have called it the 3 pillars of Success model.

Are you tired of working for a living? Making someone else rich, with your hard work?

Are you ready to learn a better way? Or you like many others?... still wanting to sit back and go to work every day? Or maybe you hope to win the lottery? That is OK, for most of us.

If your not like most of us! You want you to have a better way, don't you?

I want to let you into a little secret that the world's most wealthy already know, you can't work yourself to wealth.

This is in fact, a simple system to change your life! To start going from working for a living to let your money work for you. This is what is called passive income. You're money works for you and you don't work for your money. You don't need a $100,000.00 or $50,000.00 to start. Can you believe just $27 will start you on your way to a new life?

You, just need the desire and commitment to change your life today!

So, Call Columbus Financial & Success Coach Today, at 614 282 3162 or visit us on our site Click here to change your future

Napoleon Hill's Six Basic Fears

"People are always blaming their circumstances for what they are. I don't believe in circumstances. The people who get on in this world are the people who get up and look for the circumstances they want, and if they can't find them, they make them!"
~ George Bernard Shaw

The Six Basic Fears
~The fear of poverty
~The fear of old age
~The fear of criticism
~The fear of loss of the love of someone
~The fear of Ill health
~The fear of death

Study this list, and then take inventory of your own fears, then ascertain under which of these six fears they belong. Every person who has reached the age of understanding is bound down, to some extent, by one or more of these fears. Determine which ones you have and then begin working right away to eliminate them from your life. This is the first step to develop a business Self-Confidence.

When you conquer these fears you will no longer have to hear "You can't do it, you are afraid to try, you are afraid of public opinion, you are afraid that you will fail, you are afraid you do not have the ability." Instead, you will believe in yourself and get exactly what you want.

Having money issues? Need help finding your back to financial freedom? 

Are you in a deep hole of Financial Depression and nowhere to turn for help?

Made even worse by Constraint Harassment by collection agencies?

Get the Financial Freedom That you deserve!

Visit Columbus Financial & Success Coach today, for one of our financial success programs. Such as Financial planning, money or debt management, and credit counseling. Let one of our financial experts help you Today! Get your financial and personal life back in perfect alignment. Visit our website at www.columbusfinancialcoach.com

About Columbus Financial & Success Coach

We are helping family's in Ohio since 2011. Columbus Financial and Success Coach, bring the power of a customized and unique cost reduction plan and energy work into my financial and success coaching. I use the 3 pillars of success model that combines the physical, psychological, emotional and spiritual a very powerful for healing and to aid one in became successful in life. These methods will give you a competitive advantage you are seeking.

Visit our website at www.columbusfinancialcoach.com

Enthusiasm a Vital Force

"Put Vim, Force, Vitality into every movement of your body. Let your very atmosphere be that of [one] who is... Determined to stand for something and to be somebody.... Dare to step out of the crowd and blaze your own path."
-Orison Swett Marden

Enthusiasm is important; so important, that until you have it highly developed you cant even begin to imagine its potential in the work of your success. Enthusiasm is a state of mind that inspires one to put action into the task which is at hand. Not only does it do this but it is also contagious, and vitally affects not only the enthusiast, but all with whom they come in contact with.

Enthusiasm is the vital moving force that impels action and the greatest leaders are people who can inspire enthusiasm to their followers.

Enthusiasm is the most important factor entering into sales, and by far, the most important factor that enters into public speaking.




Learn more what Columbus Financial Coach can do for you! 

12 Types of Enduring Riches

"Make the most of yourself, for that is all there is of you."
Emerson

Everyone desires to be rich, but not everyone knows what constitutes true riches.


The 12 Types of Enduring Riches
1.Positive Mental Attitude
2.Sound physical health
3.Harmony in human relations
4.Freedom from fear
5.The hope of future achievement
6.The capacity of applied faith
7.Willingness to share the blessing
8.Labor of love
9.An open mind on all subjects
10.Self Discipline
11.Wisdom to understand people
12.Financial Security


Riches begin with a state of mind, with a definite purpose. Know what you want and you will generally be able to get it. Have faith in what you're doing and who you are. You can accomplish anything as long as you believe you can. Work on these 12 steps and enduring riches will be at your grasp. I have no doubt of that. I am only 20 years of age, am I successful?
I am.



I'm not trying to sell you anything nor am I trying to change your beliefs. I am simply offering you a proven guide to riches, a guide which I am a testimonial of. Read my blog, adopt the science of success, and make your dreams come true. This blog is my way to give back, and I hope you accept my generous offer.



"As long as a man stands in his own way, everything seems to be in his way."
Emerson

Do you have undiscovered success just waiting to be found? 

I have developed a new success system to bring the best out of you, and bring you the success you have failed to obtain before! I have studied the most successful people in the area of success, motivation, and spirituality and found out the missing link that they all teach but never placed in their own action plans.



I have integrated these teachings with basic financial principles to bring you more cash flow, so you can pay down debt and start having a better future today! With our exclusive 3 pillars of success model, the next great advancement in success movement. We can transform you to a whole new level of success. Think of yourself as an iceberg what people can see is only a small amount. The truth is that what people don't see is your true potential.

I only help you unlock and bring that potential to the surface. Where all can see your true success and the true you! I have called his success system 3 pillars. My other program is Financial Planning, Credit Counseling, Money Management, Credit Repair, & Law of Attraction Coaching. I am live in person at your home in Columbus, Springfield, or Dayton Ohio or by live video chat or phone nationwide.

Call Columbus Financial Coach & Success Coach today at 614-282-3162 for an appoint or go to our website at www.ColumbusFinancialCoach.com now! Have a fantastic day! Thank you, for listening.

Imagination the tool to Salesmanship

"Dream, Dream Big Dreams!

Others may deprive you of your material wealth and cheat you in a thousand ways, but no man can deprive you of the control and use of your imagination. Men may deal with you unfairly, as men often do; they may deprive you of your liberty, but they cannot take from you the privilege of using your imagination.
In your imagination, you always win."
Jesse Jackson


Imagination is the most important factor when you are entering the art of selling. The master salesman is always the one who makes use of imagination. An outstanding merchant relies upon his imagination for the ideas that make their business sell.

If given that opportunity any customer will give the alert salesman a clue as to the particular merchandise that should be stressed in an effort to make a sale. Watch your customers and use your imagination! Depending on the products you sell, visualize your customer and what product suits them best.

Always be yourself, and always use your imagination. I believe your imagination at times is your self-conscious telling you what you want in life. When you dream about your imagining. When you imagine the opportunity for dreams to become a reality present themselves. Tell yourself you will be successful, picture yourself with success. Just like the master salesmen picks the right shirt for the right customer, Pick the right dreams for yourself and make the sale.

Law of Attraction – Five simple steps system that can change your life & your bank account - Are you tapping into the newest biggest thing out there to improve your life? If not? I would like to introduce you…

Yes, the law of attraction can be called by some a miracle. It is not a miracle or magic, what it is a natural law that you too can tap into to change your life. Only if you are ready!

Let me first test how ready you maybe? If I told you I can have the life of your dreams how ready are you for that today? Are you really ready to change your life and willing to put in the time and effort that it is needed? How much time? As little as the time a 10 minutes a day every day, 365 days per year? If you say you’re too busy right now or too much going on right now, in your life and not willing to change. Come back to me and my teaching when you’re ready! Even I had to be faced with great hardship before I was ready for this knowledge. I was ready for almost anything and extremely open-minded. I had nothing to lose but everything to gain.

This has been called the secret; in fact, this is no secret it has been within humankind for 5000 years! I have seen this quote in the Bible, and quoted by Jesus, Buddha, and many others! How does this law of attraction work? It is a belief that we all are able to transmit vibrations. Only, if you place your mind in harmony with what you want. That law of attraction states that 'like is attracted to like'. If you put your mind in vibration for money, the money will come. The same goes for success, love, health, luck. We want to take advantage of abundance and prosperity.

We all know about the power of prayer, what’s about the power of positive affirmations? In physiology, it is called cognitive therapy, that your thought will have a huge impact on your outcomes in life. You’re trying to reprogram your thinking through what is known as auto-suggestion. You will have your subconscious reprogrammed. So that you can become a millionaire, find the perfect love, and have great success in life, or something as simple as a new car.

At this point is where physiology and metaphysics depart. It is believed that you’re subconscious will communicate with the universe to obtain your desires. The universes will help bring your desires to reality. Now that doesn’t mean you don’t have to meet the universe halfway, or it will not work. The universe will send you a sign, to tell you when it is time to take action. It can come to you in any form or the idea just pops into your head, just out of thin air. You can see a sign of a name or numbers that seen to always come to you in your life. It can pop up on the internet, TV, radio on your way to work, etc.

The next part is visualizations: you think, feel, and see yourself as a millionaire, or have your dream job, or find the love of your life all in your imagination. Adding emotions to your immigration is a very powerful tool to manifest your dreams.

So what do you need to get started the first step is easy. You need to have belief and an extremely strong desire to make your dreams a reality. You need to want something so badly that you can taste it, feel it and in your mind already have it! How do you believe in something so strongly? You have to soul search to figure that on your own. If you still need help you can use numerology or astrology to help you find your path in life. So follow your dreams not someone else’s dreams. If I tell you can become a millionaire what are you willing to do to reach that goal? Everything has a price and you are going to be able to pay that price? What are 10 minutes a day? In a year that is 60.83 hours! You can pay a little bit every day.

You start with the power of pray, next power of positive affirmations; such as “I am healthy, wealthy, successful, and wise” or “I love money and money love me” two times daily”. Add your own positive affirmation for your personal goals. Remember they need to be in the present tense. The third part of this exercise is to have imagination, to think as if you’re healthy, successful, wealthy and wise, or the money has already come to you.

The second step: is to have a positive outlook on life. I don’t care how bad your life looks it can only get better, right? If you ever been down or feeling blue think of things that make you positive. Listen to music you enjoy, do activities that you enjoy. You have the power to change your mood and your thinking.

The third step: is to be generous to others meaning giving your time to help others. You can give money to help others as well, or you can give more time to work with your employer. This does come from the idea that we can be a reward for helping others by tenfold. So you have to pay the price. Even if it takes years or months to get your repayment back, the universe pays you back with compounded interest. longer it takes the more interest you will earn.

The fourth step is to be thankful for everything in your life and your families life, your job, your home, car, pets, I mean everything in your life! Even when you have manifested that you wanted, keep being thankful so more will come to you.

The fifth step: treat and heal your body, mind, and soul. I recommend mediation find one that is right for you such as yoga, transmittal mediation, and the simple mediation to just clearing your mind. This will stop you from stressing, and if you heal your mind you will, in turn, heal your body and soul. It’s also part of your total transformation is to start eating healthy and make sure you do some type of exercise at least 3 times a week. All right this part will take more than 10 minutes, but take this part slowly and over time you will grow and see why I recommend this to you. We have blockages in our body that can prevent us from sending out vibrations to the universe. The use of this step is to clear your body of these blockages and will even increase your vibration and can manifest what you want even faster. You can check out my Reiki Kabbalah blog about ways to heal the body, mind, and soul, and yes increase our vibration.

Who am I to teach you about the law of attraction? years ago, I had made some hard financial decisions. I was not able to buy a new car and I was struggling to pay bills. But today I have my life has been realigned. I am working on a job that I like and the money follows. And I know that since I do what I like, the money will come later for the job. I am driving in a luxury car and now have too many cars. I don’t have to worry about money any longer; I am going on exotic vacations. Many years ago this life would be the impossible dream today it is the reality. It is part of my soul mission in life to help others and to become a teacher, counselor, and healer. How do I know this? I have study Numerology it teaches what is my life purpose in life. I also paid hundreds of dollars for group seasons and personal session to learn the same information in about 10 minutes. I also have studied the law of attraction, developing physic abilities, crystals, Reiki master (other forms of Energy healing) and Kabbalists. When started this journey I was blind, and now over time and pratice and further development. I can finally see the true light of the God. One time this seemed like an imposable dream. Today, I have communications with the spiritual universe, I am a psychic and energy healer. I can finally say I am truly blessed.

Change your thinking and you too can have a better life. You can enjoy and live the impossible dream. You have to start with these steps I have outlined and live the life the universe intended you to live.

If you need help getting started with the law of attraction or walking in the light. I am willing and able to aid you in your request. Since writing the original article I have developed 3 pillars of success model to get yourself in a better place both financially, emotionally and spiritually. I have a network of light works with unique and powerful gifts. I offer to coach in the areas financial and spiritual.

Check out my website for more information and to setup appointments.

Columbus Finacial & Success Coach: financial and Success coaching, 3 pillars of success coaching

Reiki Kabbalah Center: for reiki and energy healing and spiritual development