Tag Archives: Health

You Get What You Focus On: Your Appreciation Journal

Coat of arms of Haiti

Coat of arms of Haiti (Photo credit: Wikipedia)

Caught up in the day to day issues of life, it’s easy to forget our blessings. What do you appreciate in your life? Your health? Home? Family?

When you’re learning to budget, don’t get so caught up in the money issues that you forget the more important things motivating you to get your finances in order. An appreciation journal is a great way to remember those motivators. Take some time to reflect on the positives in your life. Write them down and look at them when you grow discouraged. Remember why you’re making these changes and how they line up with your goals.

You get what you focus on. Instead of dwelling on the negatives, look to the positives. You’ll be surprised at how easily you’ll note the good in situations, giving you strength to continue pressing on even during the tougher days.

The first 4-6 weeks of budgeting is often very difficult. Things break, unexpected bills show up, and it is easy to grow frustrated and to start focusing on your problems. I tell the folks I coach that when (not if) this happens, I want them to find $35 dollars or something they can sell for $35 and give it to an organization that will help a child in a country such as Haiti.

Why? The $35 you just sent can feed an impoverished child for about a month. Most likely, the setback you are currently dealing with isn’t anywhere near as difficult the issues the child in Haiti is dealing with on a daily basis. As you reflect on your situation and the situation of that child, you will begin to understand the benefit of using an appreciation journal to track and reflect on what is really important in your life.

You have a choice, and the choice is yours.

Bryan Cooper

My Financial Life Coach LLC

“Helping You Get Your Financial House In Order”

Delaware, OH 43015

http://www.MyFinancialLifeCoach.net

https://www.facebook.com/MyFinancialLifeCoach

http://www.linkedin.com/pub/bryan-cooper/26/199/722

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Filed under Attitude, Budget, Change, Family, Finance, Health, Money, Personal Finance, Priorities

Confession – My Financial Life Coach Lacks Discipline

I lack discipline

That’s right, I lack discipline. Did I go out and borrow money for a car? No, I have pretty good discipline with money; my challenge is with eating and exercise. I like to eat and I don’t like to exercise.

False advertisement?

The 20 ounce soda says it contains 2.5 servings. I find it only has one serving. The peanut butter flavored cereal says 12 servings; a new box is half gone when I finally push myself away from the table…so it only contains two servings for me.

No it isn’t false advertising, it is MY lack of discipline, MY inability to control the amount of consumption, and MY frequency of consumption. Bottom-line, MY eating habits and MY lack of exercise habits are similar to the money management habits of my clients.

Reflecting back

I was in great physical condition when I was in the military. That was 32 pounds ago or about a pound a year. I have rationalized that this rate of gain is acceptable until I realized last week I could live as long as my grandfather who lived to be 100 years old. If I live that long and keep up this current pace, I will have gained about 80 pounds. Totally unacceptable – I want to have good health and energy to do what I want to do.

Changes start today

It is time put my money discipline skills to work in the area of my health. Focus and discipline. That starts today. For those of you who have worked with me as a coach or have gone through the Balance Up program you know that is important to  1) Set goals; make them visible, 2) Put a plan together to achieve the goals, and 3) Hold yourself accountable to others. When clients do this they typically see significant progress in about 6 weeks.

I really like the 6 week time frame. 6 weeks is 42 days. It takes 21 days to form new habits so 42 days gives you twice as much time as you need to form new habits.

Next Steps

My goal – Shed 15 pounds in the next 6 weeks through exercise and eating discipline. How will I keep this goal visible?  I’m going back to the military haircut, the haircut of my prime. I will be reminded of my goal, my plan, every time I look in the mirror.

My plan – Eliminate the ice cream, soda, and PB cereal over the next 6 weeks. Drink more water and less coffee (ugh). Exercise no less than 4 times a week.

My accountability – I know that the My Financial Life Coach audience will hold me accountable and will cheer me on. I will update my situation twice a week on my blog and on Facebook.

Current Facts

Today’s weigh in – 180 lbs.

It’s not all about me.

Now a challenge for you. What are you going to do to in the next 42 days to improve your health or your financial health?  Feel free to join in the challenge by commenting on either the blog or on the Facebook page.

You know that I always end my post with the following quote…

“You have a choice, and the choice is yours.” – Bryan Cooper, Financial Coach

I think it is appropriate to change it for today…

“I have a choice, and the choice is mine.” – Bryan Cooper, a middle aged out-of-shape guy who needs discipline to get back into good physical shape.

Thank you for reading the My Financial Life Coach blog where we talk about money, goals, family, life events, spending, and economic news. We do make every attempt to avoid the topic of politics but we will bring up economic policies that need communicated. Our job is to educate and motivate you to the debt-free life style.

Don’t forget to checkout our website (www.MyFinancialLifeCoach.net)  for 100’s of resources including tips, articles, spreadsheets, web-based training, and more.  Why not tell a friend? Looking for daily motivation? Checkout the My Financial Life Coach Facebook page too.


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April 2, 2012 · 10:45 am

Take Control of Your Own Life

Take Control

Do you feel like people take advantage of you? Do you allow others to control your time or your priorities? If you answered yes, let me tell you about a simple solution to your problem. By learning to say two phrases, you can regain control of your life. Learn to say no, or not now.

Doing What is Important

Saying no or not now to others will allow you to say yes to you, yes to those who are important to you, and yes to those things or activities that you care about. By saying no and not now to others, you will regain control of your time management, your goal setting, and your direction in life. When you say these words, mean them. Follow through so that you can do what is important to you. Establish your goals and prioritize them.

Your Compass

You should be using your goals as your compass in life since they reflect what you have predetermined to be important to you. Prioritization points you the direction you want to go and helps you to get there.

Apply to Other Areas

This applies to more than just your time. It applies to your finances as well. Saying no or not now (or “not so much right now‘) allows you to say yes to the important things later. Example: Saying no to spending $150 every month eating out but saying yes to $100 a month means a $50 per month savings. Let’s say you go through your entire budget doing this and you free up $200 a month. Let’s say to systematically invested this $200 a month over the next 15 years. Depending on your rate of return your $200 a month could become somewhere near $75,000 (did someone say college fund?).  So by saying no, not now, or not so much, you are able to say YES to the things that are important to you.

You have a choice, and the choice is yours.

Bryan Cooper

My Financial Life Coach, LLC

Delaware, Ohio  43015

http://www.MyFinancialLifeCoach.net

Check out our new, totally online program, yours today for just $29.99.

Balance Up: 42 Days to Maximize, Energize, and Organize Your Life

Balance Up is different than most other programs because it combines Goal Setting, Financial Management, Prioritization Management, Time Management, and Life Balance into a single program. In the mid 90′s Bryan developed and delivered corporate training in the areas of Goal Setting, Action Planning, and Time Management, so he understands adult learners. Bryan has combined that experience with his experience in financial coaching to create Balance Up.

So what are you waiting for? Take action today and start working on your dream, goals, or finances.  Let Balance Up walk you through the process.

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Filed under Balance, Change, Family, Finance, Life Balance, Personal Finance, Priorities, Stress, Time Management

Contentment

Not Settling For Less

Contrary to popular belief, contentment doesn’t mean settling for less. It does not mean that you ignore what you really want, insisting that what you have now is enough. In reality, contentment may actually mean settling for more. It is settling for more of what is important to you- settling for more time with your family and more time pursuing your goals and dreams.

Spend Less Time on the Unimportant

It may mean settling for less time spent on the unimportant- less time chasing material items that will mean nothing to you and have no value years from now.  Remember the saying, “The one with the most toys at the end of life wins?” Sounds like that person should have settled for spending more time and energy on the important rather than on accumulation.

At the end of your life, what will people say you settled for?

You have a choice, and the choice is yours.

Bryan Cooper

Financial Life Coach @ My Financial Life Coach

Visit us at:

http://www.MyFinancialLifeCoach.net

https://www.facebook.com/MyFinancialLifeCoach

Keywords: Budget, Change, Economics, Economy, Family, Goals, Goal Setting, Life, Life Balance, Money, Miscellaneous, Personal, Personal Finance, Relationships, Relationships & Money, Saving, Uncategorized

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Filed under Budget, Change, Dave Ramsey, Economy, Family, Goals, Health, Inspiration, Life, Life Balance, Miscellaneous, Money, Personal Finance, Priorities, Relationships & Money, Thoughts

Slow Down, to Go Faster

Slow down so you can go faster. So many times, we go ninety miles an hour all day long only to find we either didn’t really get anything done or we worked on the wrong things.  Slow down, get rested, and prioritize what you need to do. An important part of prioritization is removing things from your list. Learn to say no. You may have items on your list that are unimportant, put there by someone else, or will take you in a completely different direction then you want to go.

So how do you change this?

Step One

Stop. Take a look at what all you have going on.

Step Two

Determine what is important to you.

Step Three

Get rested. You will not be efficient or effective if you are worn out.

Step Four

Prioritize. Take what you determined is important to you and make it a priority.

Step Five

Eliminate. Take another look at everything you are doing. Eliminate anything that is unimportant or distracting.

Now you can start back up and take action on the most important items that will lead you in the direction you want to go.

You have a choice, and the choice is yours.

Bryan Cooper

Financial Life Coach

My Financial Life Coach, LLC

Visit us at:

http://www.MyFinancialLifeCoach.net

https://www.facebook.com/MyFinancialLifeCoach

Keywords: Balance, Change, Culture, Education, Family, Goals, Goal Setting, Health, Home, Inspiration, Life, Life Balance, Miscellaneous, Personal, Priorities, Stress, Thoughts, Time, Time Management, Work, Uncategorized

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Body Rhythms

When thinking about time management, many people often overlook a simple area that can save you time and increase your efficiency with relatively no additional work or effort from you. Are you a morning person or a night owl? It is important to understand your body rhythms and to work with them. I am personally a morning person. If I’m working on something that requires a lot of thought, I need to do it earlier in the day because that is when I do my best work. If I attempt to do it in the late afternoon or evening, the quality of my work is not as good nor am I as efficient in completing the work. So, determine when you are at your peak and only work on tasks that require your best work during that time. Work with your body rhythms, not against them.

You have a choice, and the choice is yours.

Bryan Cooper

Financial Life Coach

Visit us at http://www.MyFinancialLifeCoach.net

Keywords: Balance, Change, Family, Goals, Goal Setting, Health, Home, Life, Life Balance, Miscellaneous, Priorities, Relationships, Stress, Thoughts, Time, Time Management, Work, Uncategorized

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Filed under Balance, Change, Family, Goal Setting, Goals, Health, Home, Life, Life Balance, Miscellaneous, Priorities, Relationships, Stress, Thoughts, Time, Time Management, Uncategorized, Work

Don’t Multitask

Multi-tasking is so over-rated. In fact, its effectiveness is a primarily a myth. There is a reason why heart surgeons and bank tellers do not multi-task, just as there is a reason why you shouldn’t text and drive. People who talk with their hands shouldn’t talk and drive, but that’s a story for another day. Many important tasks cannot be done with true multi-tasking. While there are a few exceptions, the majority of work should receive all of your focus. Don’t distract yourself by attempting to do multiple things simultaneously. It usually doesn’t work. Oftentimes, folks are not truly multi-tasking. Rather, they are continually switching back and forth between two or more tasks, not fully focusing on any of them.  Experts say that when someone is interrupted, it takes that person an average of six minutes to get fully back up to speed on the original task. So with multi-tasking, you never hit your full productivity stride or focus. You are intentionally interrupting yourself and lessening how much you can accomplish in your day. Instead of attempting to multi-task, develop better time management skills by placing your full effort and focus on a single task at a time, moving on once you finish each job.

You have a choice, and the choice is yours.

Bryan Cooper

Financial Life Coach

Visit us at http://www.MyFinancialLifeCoach.net

Keywords: Balance, Change, Goals, Goal Setting, Life, Life Balance, Miscellaneous, Personal, Priorities, Stress, Thoughts, Time, Time Management, Work, Uncategorized

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Filed under Balance, Change, Goals, Life Balance, Personal, Stress, Thoughts, Time, Time Management, Uncategorized, Work