The philosophy of the rich versus the poor is:
The rich invest their money and spend what is left;
The poor spend their money and invest what is left.
-Jim Rohn
Good investment habits are right up their with good eating habits, good business habits and good exercise habits. Knowing that you have it reduces stress and can ease the day to day grind.
Many who read this blog are thinking, "THAT'S BS!!, If you don't have money, you can't invest any money!". But it's all a matter of perspective.
I like to think of it as percentages. If you invest 1% of your income (before spending any of it), every 100 paychecks, you have one spent. If you only make $1,000 a month, that's only $10 that you have to put away. If you can invest a little bit more, say %5, then every 20 paychecks you have one month stashed away. It may not seem like much, but it will add up.
Save your change, save rebates, use coupons and save the difference. Just like any other improvement on yourself, work on it, practice and you will get better at it each time.
Have a Blessed Day,
Brandy Deming
CelticBlessings4U@Gmail.com
http://www.womenswealthandwellness.com/celticblessings
http://www.twitter.com/brandysbiz
Showing posts with label money. Show all posts
Showing posts with label money. Show all posts
April 20, 2010
April 19, 2010
Jim Rohn - All About The Plan
I had always mistakenly believed that if I had more money. I would have a better plan for creating wealth. The truth is that if I had a better plan, I would have more money.
You see, it's not the amount that counts; it's the plan that counts. It's not how much you allocate but how you allocate it.
-Jim Rohn
I have to say that of all the plans I have had to get more money, I had never really had a plan to build wealth. Nest eggs, college funds, retirement plans and rainy day funds I have, but never really put much though into a wealth plan. It is now on my 'To-Do' list.
Just in case you are wondering what the difference between having lots of money and having wealth is, here's a quick explanation. Money is simply the cash that you have coming in or stashed. You can have a ton of money and have no wealth (I know a person who has an income of over 2.7 million dollars a year and their net worth is -1.2 million, oi!), the money just goes as fast as it comes in. To have wealth you must have significant assets (cash reserves, property, investments, etc) over any debt you may have (also know someone who only made 37k a year, but has a net worth of approx. 800 thousand). So it's not how much you make, it's how it gets spent.
Ever know someone who is very successful, without having to spend 100 hours a week on work? Those people have a plan. If you know how to work smart and efficiently, then you get way more done in less time. It takes a plan. You must think out what you are doing for today, this week, this month and this year. You must see how actions you do during that 1 year plan affect your 5 year plan. What's that? You don't have a 5 year plan? Well then it is really time to sit down and think about what you want your life to look like in 5 years. Build a plan.
Life can either be what happens to you, or it can be what you make happen. Some people are happy with letting life happen to them, or they are just not unhappy enough to do something about it. It's their choice, and no one can change it but themselves. But if you are a person who wants to make life happen, you must have a plan. Without plans, who knows what you're going to end up with?
Have a Blessed Day,
Brandy Deming
CelticBlessings4U@Gmail.com
http://www.womenswealthandwellness.com/celticblessings
http://www.twitter.com/brandysbiz
You see, it's not the amount that counts; it's the plan that counts. It's not how much you allocate but how you allocate it.
-Jim Rohn
I have to say that of all the plans I have had to get more money, I had never really had a plan to build wealth. Nest eggs, college funds, retirement plans and rainy day funds I have, but never really put much though into a wealth plan. It is now on my 'To-Do' list.
Just in case you are wondering what the difference between having lots of money and having wealth is, here's a quick explanation. Money is simply the cash that you have coming in or stashed. You can have a ton of money and have no wealth (I know a person who has an income of over 2.7 million dollars a year and their net worth is -1.2 million, oi!), the money just goes as fast as it comes in. To have wealth you must have significant assets (cash reserves, property, investments, etc) over any debt you may have (also know someone who only made 37k a year, but has a net worth of approx. 800 thousand). So it's not how much you make, it's how it gets spent.
Ever know someone who is very successful, without having to spend 100 hours a week on work? Those people have a plan. If you know how to work smart and efficiently, then you get way more done in less time. It takes a plan. You must think out what you are doing for today, this week, this month and this year. You must see how actions you do during that 1 year plan affect your 5 year plan. What's that? You don't have a 5 year plan? Well then it is really time to sit down and think about what you want your life to look like in 5 years. Build a plan.
Life can either be what happens to you, or it can be what you make happen. Some people are happy with letting life happen to them, or they are just not unhappy enough to do something about it. It's their choice, and no one can change it but themselves. But if you are a person who wants to make life happen, you must have a plan. Without plans, who knows what you're going to end up with?
Have a Blessed Day,
Brandy Deming
CelticBlessings4U@Gmail.com
http://www.womenswealthandwellness.com/celticblessings
http://www.twitter.com/brandysbiz
February 24, 2010
The 1 Ton Phone
If we're growing, we're always going to be out of our comfort zone.
-John Maxwell
The fear of the phone is so very common amongst business owners. There is no shame in knowing that you KNOW you have to make calls to get business, yet you avoid the phone like it's got the plague. We all understand, we have all done it.
I was having a conversation with a friend of mine who was saying how they only had a couple of customers that month and didn't want to spend a lot of money on an advertising campaign. She then asked me what I would do. I said I'd get on the phone, start calling people, see what's going on. She said she hated doing that and was going to run the ad campaign... Oh well.
Referrals can be the life blood of your business, but how do you get one and from who?
The people who give you referrals are the ones who know and like you. Lots of business owners put their social lives on hold in order to advance their business. It is a huge mistake. How can you get to know new people and have those you know like you, if they never get to spend time with you? The solution is to call them. Don't call to talk shop, call to see what's going on in their lives, call to see if there is anything you can help them with. Do they have a fundraiser going on? Any special events for their kids? I'm telling you from both a parent and a business owner's point of view, buying a few chocolate bars or an $8 roll of wrapping paper goes a long, long way in developing relationships!
Want to call people but have no idea what to say? Try keeping a log. Just a few notes on what's going on with them. See if they are on Facebook or Twitter, it will give you a better idea of what to talk to them about. In the log try to keep track of kids, pets, spouses, any issues they may be having. If they mention in January that Jane is working on her final project for graduation in June, that gives you a great reason to call back in June!!
If you need to set appointments for presentations? This is BY FAR the hardest reason on why you need to call people. Calling someone out of the blue, or even someone you know well and putting yourself out there opens a huge door on our self-esteem. There's lots of outcomes and I think I've heard them all. From rude, to excited, to unwilling to can't wait, you never know what's going to happen on the other end of that phone. But it MUST, MUST, MUST be done. Try working out different approaches, some people wouldn't' listen for a second if they thought you were trying to sell them something, but if they thought they were listening as a favor to you or to see if they know someone, it can be a different story. Try and figure out what approach would work for them and if nothing else, just try, try, try again.
Using the phone to build your business is like any other tool or skill you need to be effective. I don't think any of us were born with a great ability to set appointments, get referrals or build relationships. We have to practice at it. Start small, try 5 phone calls a day. Just keep working at it. Like all other skills, it will grow with time, and soon you will be great at it!
Have a Blessed Day,
Brandy Deming
CelticBlessings4U@Gmail.com
http://www.womenswealthandwellness.com/celticblessings
http://www.twitter.com/brandysbiz
-John Maxwell
The fear of the phone is so very common amongst business owners. There is no shame in knowing that you KNOW you have to make calls to get business, yet you avoid the phone like it's got the plague. We all understand, we have all done it.
I was having a conversation with a friend of mine who was saying how they only had a couple of customers that month and didn't want to spend a lot of money on an advertising campaign. She then asked me what I would do. I said I'd get on the phone, start calling people, see what's going on. She said she hated doing that and was going to run the ad campaign... Oh well.
Referrals can be the life blood of your business, but how do you get one and from who?
The people who give you referrals are the ones who know and like you. Lots of business owners put their social lives on hold in order to advance their business. It is a huge mistake. How can you get to know new people and have those you know like you, if they never get to spend time with you? The solution is to call them. Don't call to talk shop, call to see what's going on in their lives, call to see if there is anything you can help them with. Do they have a fundraiser going on? Any special events for their kids? I'm telling you from both a parent and a business owner's point of view, buying a few chocolate bars or an $8 roll of wrapping paper goes a long, long way in developing relationships!
Want to call people but have no idea what to say? Try keeping a log. Just a few notes on what's going on with them. See if they are on Facebook or Twitter, it will give you a better idea of what to talk to them about. In the log try to keep track of kids, pets, spouses, any issues they may be having. If they mention in January that Jane is working on her final project for graduation in June, that gives you a great reason to call back in June!!
If you need to set appointments for presentations? This is BY FAR the hardest reason on why you need to call people. Calling someone out of the blue, or even someone you know well and putting yourself out there opens a huge door on our self-esteem. There's lots of outcomes and I think I've heard them all. From rude, to excited, to unwilling to can't wait, you never know what's going to happen on the other end of that phone. But it MUST, MUST, MUST be done. Try working out different approaches, some people wouldn't' listen for a second if they thought you were trying to sell them something, but if they thought they were listening as a favor to you or to see if they know someone, it can be a different story. Try and figure out what approach would work for them and if nothing else, just try, try, try again.
Using the phone to build your business is like any other tool or skill you need to be effective. I don't think any of us were born with a great ability to set appointments, get referrals or build relationships. We have to practice at it. Start small, try 5 phone calls a day. Just keep working at it. Like all other skills, it will grow with time, and soon you will be great at it!
Have a Blessed Day,
Brandy Deming
CelticBlessings4U@Gmail.com
http://www.womenswealthandwellness.com/celticblessings
http://www.twitter.com/brandysbiz
November 13, 2009
Does It Hurt Enough?
One day when traveling, I walk into an old General Store. You know the kind with wood flooring? There's a dog laying by the counter, groaning. Every few minutes he'd let out a little groan. When I put my items on the counter to pay for it I ask the man there what was wrong with the dog. He stated that the dog was laying on a nail. I asked why he didn't move. The man replied, "It doesn't hurt enough."
I heard this the other day on a Leadership Training CD. The man spoke of how many of us complain about different aspects of our lives, but never do anything about it. How it's because it doesn't hurt enough yet. It's shocking how true this is!
There are things about our lives that we all want to change. Everyone knows by now that I am a self-improvement junkie. It's amusing that there are a lot of people out there who think that only losers and those with low self esteem read self-improvement books. When, in reality, a lot of successful people have a huge library of self-improvement books. It's a matter of being the best you that you can be. Why wait until it hurts to do something about it?
Millions of people complain every day about how much they hate their job, their body, their living situations, etc. Day in and day out they do the same things and then scowl at the results. They never do anything to change it, because change is difficult. It's like voting. I hear tons of people that complain about our political situation, yet only 1/4 of us actually vote. One of the things I ask people when they are on a political rant is if they vote, 3/4 say 'No'. My response is 'If you're not going to participate in the system and try to do something to change it, don't complain.' Just like everything else in life, if you're not doing something to try to change what you dislike about your life, don't complain about it... you're the one making the choices.
Being that ideal vision you have of yourself takes hard work and lots of practice. You can't wake up one morning and decide you are going to run a marathon, 26.5 miles in a day is a LOT of running. You have to train, you have to practice, you have to come up with a fee for participating, you have to have the proper equipment. All this for one little marathon. Think about your personal goal. Break it down. Work on it a little every day. Practice the skills that you need to reach that goal.
Wealth, health and positive attitudes don't appear over night. It just doesn't. We have to step out of our comfort zone and reach for it. Sometimes we don't succeed the first time, but we must keep trying. Keep an open mind, don't listen to the nay-sayers. Don't sit there an let your life hurt you, get up and do something about it. We only have this one life, make it good.
Have a Blessed Day,
Brandy Deming
CelticBlessings4U@Gmail.com
http://www.womenswealthandwellness.com/celticblessings
http://www.twitter.com/brandysbiz
I heard this the other day on a Leadership Training CD. The man spoke of how many of us complain about different aspects of our lives, but never do anything about it. How it's because it doesn't hurt enough yet. It's shocking how true this is!
There are things about our lives that we all want to change. Everyone knows by now that I am a self-improvement junkie. It's amusing that there are a lot of people out there who think that only losers and those with low self esteem read self-improvement books. When, in reality, a lot of successful people have a huge library of self-improvement books. It's a matter of being the best you that you can be. Why wait until it hurts to do something about it?
Millions of people complain every day about how much they hate their job, their body, their living situations, etc. Day in and day out they do the same things and then scowl at the results. They never do anything to change it, because change is difficult. It's like voting. I hear tons of people that complain about our political situation, yet only 1/4 of us actually vote. One of the things I ask people when they are on a political rant is if they vote, 3/4 say 'No'. My response is 'If you're not going to participate in the system and try to do something to change it, don't complain.' Just like everything else in life, if you're not doing something to try to change what you dislike about your life, don't complain about it... you're the one making the choices.
Being that ideal vision you have of yourself takes hard work and lots of practice. You can't wake up one morning and decide you are going to run a marathon, 26.5 miles in a day is a LOT of running. You have to train, you have to practice, you have to come up with a fee for participating, you have to have the proper equipment. All this for one little marathon. Think about your personal goal. Break it down. Work on it a little every day. Practice the skills that you need to reach that goal.
Wealth, health and positive attitudes don't appear over night. It just doesn't. We have to step out of our comfort zone and reach for it. Sometimes we don't succeed the first time, but we must keep trying. Keep an open mind, don't listen to the nay-sayers. Don't sit there an let your life hurt you, get up and do something about it. We only have this one life, make it good.
Have a Blessed Day,
Brandy Deming
CelticBlessings4U@Gmail.com
http://www.womenswealthandwellness.com/celticblessings
http://www.twitter.com/brandysbiz
November 4, 2009
The Myth of Spare Time
We should use time as a tool, not a crutch.
How many times do we hear 'in your spare time' over the course of a month? Personally, I get sick of hearing it. 'You can build a business in your spare time.' 'Volunteer in your spare time.' 'What do you do in your spare time?' Spare time? When did we get 25 hours in a day? Did someone add in a Someday to the week? No, no they did not.
Trying to find that time you need to work out, spend time with your kids and/or build a business is a chore in and of itself. There is no way of 'creating' extra time. We only have 24 hours in a day and like most of our paychecks, it's spent before we even get there. So how do we make time?
You have to start by knowing how you spend your time. How much time do you spend doing your hair and putting on make-up in the morning? Picking out clothes? Checking email and following up with your friends on Facebook? There's a lot of little things we spend our time on. Try keeping a log of what you do. You can't really fix anything until you know what is wrong with it. Are there any repetitive tasks that you can group together, like checking your email at lunch so you don't have to spend 45 minutes on it when you get home? Are you waisting time looking at sales ads for things you don't need? Once you actually look at what you spend time on, you can start looking at where to find some. Here are a few tips on finding an extra hour or two in your week:
1. Books on Tape/MP3: Many of us have books to read for school, personal development or training. Many of these are available in audio format. Check the publisher's website or your school's library. It is often cheaper to record books onto audio then to have them printed in braille, so school's pay students to record the books. Listen to the recordings in the car or during your work out to save your reading time for other uses.
2. Many Hands Make Light Work: Is there anything that you can get help on? Give your kids a night that they have to cook, this can save you time and make them feel part of the family. See if your friends want to help on craft projects for the holidays. You can work on it together and get more done, plus you spend time together so there's some time back! Never be afraid to ask for help. Are you doing all the chores? Time to ask your partner to help with some, you shouldn't have to do it all yourself.
3. Hair, Make-Up and Clothes: Talk to a stylist. There are lots of ways to reconfigure your wardrobe so that everything goes together. A little bit of careful shopping at the beginning can save you that 20 minutes of "What am I going to wear today?!". A stylist can also help you simplify your make-up and hair-do. There is no need to go into a two hour hair and make-up session every day before work, do some research on different products and styles. Somewhere in the mix you can find one that can get you out the door in under 45 minutes.
4. Email and Social Networks: Set up filters for your not-quite-junk items. Everything from Facebook goes into it's own folder, Twitter another, Sale alerts in another. It is pretty simple to do, and then when you go to check your email, you don't have to sort through all that junk to see if someone really does need your attention. Same thing with your social networks. Almost all have lists that can be used to sort through which of your friends and family are sharing. By knowing where to go for the updates that you want to look at, you don't waste time on a lot of junk.
5. Games: I am a HUGE fan of games. I love them all. But I do get sucked into them. You start playing around and before you know it an hour and a half has gone by and you can't even remember why you booted up your computer to begin with. Try getting a timer next to your computer. Set a limit and stick to it. (30 min is usually pretty good)
I hope some or all of these can help you find an extra 5-10 hours in your week. We all get going at lighting speed, end up at the end of the day exhausted and not quite sure what we got done. A little bit of foresight, planning and some professional assistance can make the world of difference in how you spend your hours. Because unlike money, once time is spent, we really can't get it back.
Have a Blessed Day,
Brandy Deming
CelticBlessings4U@Gmail.com
http://www.womenswealthandwellness.com/celticblessings
http://www.twitter.com/brandysbiz
-John F. Kennedy
How many times do we hear 'in your spare time' over the course of a month? Personally, I get sick of hearing it. 'You can build a business in your spare time.' 'Volunteer in your spare time.' 'What do you do in your spare time?' Spare time? When did we get 25 hours in a day? Did someone add in a Someday to the week? No, no they did not.
Trying to find that time you need to work out, spend time with your kids and/or build a business is a chore in and of itself. There is no way of 'creating' extra time. We only have 24 hours in a day and like most of our paychecks, it's spent before we even get there. So how do we make time?
You have to start by knowing how you spend your time. How much time do you spend doing your hair and putting on make-up in the morning? Picking out clothes? Checking email and following up with your friends on Facebook? There's a lot of little things we spend our time on. Try keeping a log of what you do. You can't really fix anything until you know what is wrong with it. Are there any repetitive tasks that you can group together, like checking your email at lunch so you don't have to spend 45 minutes on it when you get home? Are you waisting time looking at sales ads for things you don't need? Once you actually look at what you spend time on, you can start looking at where to find some. Here are a few tips on finding an extra hour or two in your week:
1. Books on Tape/MP3: Many of us have books to read for school, personal development or training. Many of these are available in audio format. Check the publisher's website or your school's library. It is often cheaper to record books onto audio then to have them printed in braille, so school's pay students to record the books. Listen to the recordings in the car or during your work out to save your reading time for other uses.
2. Many Hands Make Light Work: Is there anything that you can get help on? Give your kids a night that they have to cook, this can save you time and make them feel part of the family. See if your friends want to help on craft projects for the holidays. You can work on it together and get more done, plus you spend time together so there's some time back! Never be afraid to ask for help. Are you doing all the chores? Time to ask your partner to help with some, you shouldn't have to do it all yourself.
3. Hair, Make-Up and Clothes: Talk to a stylist. There are lots of ways to reconfigure your wardrobe so that everything goes together. A little bit of careful shopping at the beginning can save you that 20 minutes of "What am I going to wear today?!". A stylist can also help you simplify your make-up and hair-do. There is no need to go into a two hour hair and make-up session every day before work, do some research on different products and styles. Somewhere in the mix you can find one that can get you out the door in under 45 minutes.
4. Email and Social Networks: Set up filters for your not-quite-junk items. Everything from Facebook goes into it's own folder, Twitter another, Sale alerts in another. It is pretty simple to do, and then when you go to check your email, you don't have to sort through all that junk to see if someone really does need your attention. Same thing with your social networks. Almost all have lists that can be used to sort through which of your friends and family are sharing. By knowing where to go for the updates that you want to look at, you don't waste time on a lot of junk.
5. Games: I am a HUGE fan of games. I love them all. But I do get sucked into them. You start playing around and before you know it an hour and a half has gone by and you can't even remember why you booted up your computer to begin with. Try getting a timer next to your computer. Set a limit and stick to it. (30 min is usually pretty good)
I hope some or all of these can help you find an extra 5-10 hours in your week. We all get going at lighting speed, end up at the end of the day exhausted and not quite sure what we got done. A little bit of foresight, planning and some professional assistance can make the world of difference in how you spend your hours. Because unlike money, once time is spent, we really can't get it back.
Have a Blessed Day,
Brandy Deming
CelticBlessings4U@Gmail.com
http://www.womenswealthandwellness.com/celticblessings
http://www.twitter.com/brandysbiz
October 28, 2009
Perfection is Not Required
Artists who seek perfection in everything are those who cannot attain it in anything.
A look into history you will find that our obsession with perfection is relatively new. Only in the last few centuries has the need for everything to be 'just right' really driven us. The only saying "cleanliness is next to Godliness" comes from centuries of not having running water, fire in the house and a complete void of disinfectants. And yet there were great successes.
Many times I have hesitated or even not completed a task because I thought that I wasn't doing it right or that the results weren't up to par. In sewing I have tossed entire projects because of faults that, looking back, I'm sure only I noticed. Hours of work and materials wasted, all for my need to make something look 'perfect'. Handiwork isn't the only area of our lives where our drive for perfection can distract us from progress.
I speak to a lot of people who are all or nothing. They refuse to make any forward progress because of a hundred different reasons why they can't do something. They are waiting until after the holidays to lose that weight. As soon as football seasons over they will put the time in to build that business. There is always a reason to delay, ways that the timing isn't perfect.
We discount trying. Just getting going and doing something is better then nothing at all. When trying to lose weight, small steps can lead to big results. I started by switching from regular coke to diet coke, then not ordering french fries with meals. Small bits that can be easily maintained and over time lead to a total overhaul of my lifestyle. The weight didn't fall off, but it stayed off. I'm not perfect, sometimes I have fried food, sometimes I have cake. I just consistently work on making good choices and in the end it pays off. It's not perfection, it's progress.
Same goes for a lot of our lives. No one does anything perfect the first time. In many philosophies there is no way to ever do anything perfectly. If there is anything you want to do, you should do it. Let nothing stand in your way. If you're doing it wrong, you'll learn. We learn more from doing something wrong then from doing it right the first time. Don't worry about perfection, keep your eye on success.
Have a Blessed Day,
Brandy Deming
CelticBlessings4U@Gmail.com
http://www.womenswealthandwellness.com/celticblessings
http://www.twitter.com/brandysbiz
-Eugene Delacroix
A look into history you will find that our obsession with perfection is relatively new. Only in the last few centuries has the need for everything to be 'just right' really driven us. The only saying "cleanliness is next to Godliness" comes from centuries of not having running water, fire in the house and a complete void of disinfectants. And yet there were great successes.
Many times I have hesitated or even not completed a task because I thought that I wasn't doing it right or that the results weren't up to par. In sewing I have tossed entire projects because of faults that, looking back, I'm sure only I noticed. Hours of work and materials wasted, all for my need to make something look 'perfect'. Handiwork isn't the only area of our lives where our drive for perfection can distract us from progress.
I speak to a lot of people who are all or nothing. They refuse to make any forward progress because of a hundred different reasons why they can't do something. They are waiting until after the holidays to lose that weight. As soon as football seasons over they will put the time in to build that business. There is always a reason to delay, ways that the timing isn't perfect.
We discount trying. Just getting going and doing something is better then nothing at all. When trying to lose weight, small steps can lead to big results. I started by switching from regular coke to diet coke, then not ordering french fries with meals. Small bits that can be easily maintained and over time lead to a total overhaul of my lifestyle. The weight didn't fall off, but it stayed off. I'm not perfect, sometimes I have fried food, sometimes I have cake. I just consistently work on making good choices and in the end it pays off. It's not perfection, it's progress.
Same goes for a lot of our lives. No one does anything perfect the first time. In many philosophies there is no way to ever do anything perfectly. If there is anything you want to do, you should do it. Let nothing stand in your way. If you're doing it wrong, you'll learn. We learn more from doing something wrong then from doing it right the first time. Don't worry about perfection, keep your eye on success.
Have a Blessed Day,
Brandy Deming
CelticBlessings4U@Gmail.com
http://www.womenswealthandwellness.com/celticblessings
http://www.twitter.com/brandysbiz
July 15, 2009
ch-ch-ch-choices
The first step to getting the tings you want out of life is this: Decide what you want.
Everyday we make hundreds of decisions. Some we are so well trained to do, we don't really think about them. We choose to get out of bed, eat breakfast, go to work, what we wear, what route to take, etc., etc, etc.
Some will say, 'But you don't choose to eat, you have to eat.' not true. You don't have to eat, ask Ghandi. But if you don't eat, you die. So congratulations, you chose life! On a less dramatic scale you do get to choose what to eat. You can have a hamburger, or you can have a chicken burger. We have to rethink how we think to make changes and changes start with choices.
If you are one of the millions of people who have found themselves let-go from your place of work and are reading this. I know you are thinking that you didn't choose to get fired or laid off. Using our ability to choose is a way to react to other people's choices as well. You don't have a job, that is a fact, you cannot make your boss change their mind, so move on. You can choose to sit around and feel sorry for yourself. You can go out and apply for a few jobs a day and that's that. OR you can make active choices to regain employment. OR start your own business. We all have a skill set. Big or small. They can all be used to our advantage or disadvantage. You can clean? Send out and email and call around to see if anyone needs help cleaning their house or garage. It may not be much money, but money is money. Use your skills to earn extra $$$ while waiting for a job to come along. Doing something is better then doing nothing.
For those who are looking for a job, here are some tips:
*Keep a written record of where you have applied
*Make sure you keep track of who you've contacted at potential employers
*Follow up at least once a week, by phone, on those applications
*Make sure you know the name of who will make the decision to hire you
*Be well informed about the company going into your interview
*Try to get information on who is interviewing you (google them)
*Follow up with a Thank You Card or Handwritten Note
*Follow up by phone once a week until you get a yes or no answer
*Repeat as often as you can until you get a job.
For those who are sick of looking for a job and want long term security:
*Call or email me, I can help you find or build a business that will put YOU in charge.
Just remember today that life is all about choices. You can choose life, love, healthiness and happiness. We choose how to react to situations. We choose what to put into our bodies. We choose to spend time with our family. Use your choices wisely.
Have a Blessed Day,
Brandy Deming
CelticBlessings4U@Gmail.com
http://www.womenswealthandwellness.com/celticblessings
http://www.twitter.com/brandysbiz
-Ben Stein
Everyday we make hundreds of decisions. Some we are so well trained to do, we don't really think about them. We choose to get out of bed, eat breakfast, go to work, what we wear, what route to take, etc., etc, etc.
Some will say, 'But you don't choose to eat, you have to eat.' not true. You don't have to eat, ask Ghandi. But if you don't eat, you die. So congratulations, you chose life! On a less dramatic scale you do get to choose what to eat. You can have a hamburger, or you can have a chicken burger. We have to rethink how we think to make changes and changes start with choices.
If you are one of the millions of people who have found themselves let-go from your place of work and are reading this. I know you are thinking that you didn't choose to get fired or laid off. Using our ability to choose is a way to react to other people's choices as well. You don't have a job, that is a fact, you cannot make your boss change their mind, so move on. You can choose to sit around and feel sorry for yourself. You can go out and apply for a few jobs a day and that's that. OR you can make active choices to regain employment. OR start your own business. We all have a skill set. Big or small. They can all be used to our advantage or disadvantage. You can clean? Send out and email and call around to see if anyone needs help cleaning their house or garage. It may not be much money, but money is money. Use your skills to earn extra $$$ while waiting for a job to come along. Doing something is better then doing nothing.
For those who are looking for a job, here are some tips:
*Keep a written record of where you have applied
*Make sure you keep track of who you've contacted at potential employers
*Follow up at least once a week, by phone, on those applications
*Make sure you know the name of who will make the decision to hire you
*Be well informed about the company going into your interview
*Try to get information on who is interviewing you (google them)
*Follow up with a Thank You Card or Handwritten Note
*Follow up by phone once a week until you get a yes or no answer
*Repeat as often as you can until you get a job.
For those who are sick of looking for a job and want long term security:
*Call or email me, I can help you find or build a business that will put YOU in charge.
Just remember today that life is all about choices. You can choose life, love, healthiness and happiness. We choose how to react to situations. We choose what to put into our bodies. We choose to spend time with our family. Use your choices wisely.
Have a Blessed Day,
Brandy Deming
CelticBlessings4U@Gmail.com
http://www.womenswealthandwellness.com/celticblessings
http://www.twitter.com/brandysbiz
July 12, 2009
Network Marketing and MLMs
I am working full time on my income and part time on my fortune.
Have a Blessed Day,
Brandy Deming
CelticBlessings4U@Gmail.com
http://www.womenswealthandwellness.com/celticblessings
http://www.twitter.com/brandysbiz
-Jim Rohn
My deepest apologies for missing Friday's blog. I was so very busy I don't think I slowed down until 3pm on Sunday. I thought to make up for it, I'd give you a bonus business round.
Above is one of my favorite quotes for Network Marketers. Multi-Level Network Marketing businesses has opened up the door to financial success to anyone who puts forth the effort to work for it. We can work part time on a residual, secure income without giving up the day job (or night job) that pays the bills. But many of these businesses are often scoffed at by many. I'm here today to reconcile a few misconceptions of MLMs.
The pay structure often takes the form of a pyramid, but it is not, not, NOT a pyramid scheme. A pyramid scheme is defined as " a non-sustainable business model that involves the exchange of money primarily for enrolling other people into the scheme, often without any product or service being delivered" Pyramid schemes are illegal and are usually busted within the first few months of being started. MLMs are legitimate companies offering legitimate products.
Having cleared that up the next issue I hear a lot about is that Network Marketers have to constantly hound their friends and family to join their company. Not true. If you like a product or service you sometimes will tell your friends and family about it. Ever recommend a shampoo, restaurant or household cleaner? That is exactly what they are trying to do, only they get paid if you act on their recommendation. They have found a product that they really enjoy and believe in. They primarily want to share a product with you and secondly want to share a way for you to make money, too. All that they ask is for you to give them a little bit of your time to listen and then if you are interested to let them know. How would you like it if your best friend found a way to make an extra $500 a month by working 5 hours a week, and didn't share it with you? How about if they ended up making $1000 or $5000? You would be upset. All I ask of you is to listen, you never know what opportunity may pop up!
Now onto the fun parts. We all know how a regular job works. You get paid X amount of work for X amount of hours. Period. You work, you get paid, you don't work, you don't get paid. Jobs are a secure source of income. You could own a traditional business and offer a goods or services. You make X amount of money for X goods or X amount of service. Once an item or service is sold, you get paid and that's the end. With MLM's you usually get paid X amount for selling goods or services that are needed on a regular basis, then you get paid Y amount for items or services that are used throughout the year. Amount Y will grow and grow as you sell more of the initial item or service.
It's like if I asked you to work 10 hours a week for $1 and hour. Then for each week you work I will pay you $1 a week forever, and I'll compound it (1st month $1, 2nd month $2, etc). I'll even give you a raise, after the first year I'll give you $2 each week, $3 for your third year. and so forth. At the end of the first year you would be making $92, 2nd year would be $144, 5 years $768, 10 years $3316. You are still only working 10 hours a week, but now you are earning $3316 a month, best of all, when you stop working you will still get a check each month for $3276. That is the wonder of residual income and building income levels. You may have to work for next to nothing for the first few years, but when you apply yourself consistently over time, you can yield great, long term results.
Going back to my favorite quote, there are many, many reasons for dedicating some of your time each week to building a solid residual income, taxes, security, independence. Everyone has their own reasons. There is hardly anything that you currently use and enjoy that you can't build a business with coffee (http://www.markethealthycoffee.com/), non-toxic home products (http://www.wealthandwellnessteam.com/celticblessings ), personal fitness (http://www.teambeachbody.com/healthymoms) , scrap booking, make-up, etc. You should find something that you really believe in and enjoy, then go for it! Nothing beats having the money and freedom to pursue your dreams.
You can always contact me and we can talk about what your strengths and interests are, if I can't help you, I can point you in the right direction.
Thanks for listening and....
Brandy Deming
CelticBlessings4U@Gmail.com
http://www.womenswealthandwellness.com/celticblessings
http://www.twitter.com/brandysbiz
June 25, 2009
Give it away!
You can make more friends in two months by becoming interested in other people than you can in two years by trying to get other people interested in you.
-Dale Carnegie
Ever needed that shoulder to cry on or just a good hug? Someone to give you an uplifting word? I have. Every body has. Sometimes we get it, sometimes we don't. There is a secret for it always to be there for you.... give it to someone.
In friendships, relationships and business, it is often easier to accomplish what you want done by helping someone else do what they need to do. Letting friends know they can call you at any time if they need to talk, giving that extra little bit to let them know that you appreciate them, all comes back to you eventually. When you need them, they will be there, as long as what you are doing for them is out of kindness, not because you have a big move coming up and you need help.
Go that extra mile in relationships too. Stop and pick some flowers (or buy them) for no reason at all. Surprise her (or him) with night out. Right them a poem. Plan a picnic in the park. And let them know how much you care.
In business, always try to improve your customer service and your service to the community. People love shopping someplace when they know it does someone else good. The lovely woman who owns the BBQ Pit in Mt. Vernon feeds hungry and homeless people once a week. Do you think I eat there? Every chance I get, the food is great and I know that by supporting this business I support our community. You can designate a certain percentage of sales to a charity, or open your place up for fundraisers, offer your services at a discount to non-profits. And let everyone know that you are doing this. You'll see people more often coming in to support you and your cause.
There is lots of good you can do in the world as a friend, spouse and business owner, do it. Do as much good as you possibly can. Get interested in other peoples causes and other peoples lives. By taking the focus off of your woes and your current issues, focus on someone else or a charity. You'll meet tons of new people that way and know that at the end of the day, you've made a difference in someones life.
Have a Blessed Day,
Brandy Deming
CelticBlessings4U@Gmail.com
http://www.womenswealthandwellness.com/celticblessings
http://www.twitter.com/brandysbiz
-Dale Carnegie
Ever needed that shoulder to cry on or just a good hug? Someone to give you an uplifting word? I have. Every body has. Sometimes we get it, sometimes we don't. There is a secret for it always to be there for you.... give it to someone.
In friendships, relationships and business, it is often easier to accomplish what you want done by helping someone else do what they need to do. Letting friends know they can call you at any time if they need to talk, giving that extra little bit to let them know that you appreciate them, all comes back to you eventually. When you need them, they will be there, as long as what you are doing for them is out of kindness, not because you have a big move coming up and you need help.
Go that extra mile in relationships too. Stop and pick some flowers (or buy them) for no reason at all. Surprise her (or him) with night out. Right them a poem. Plan a picnic in the park. And let them know how much you care.
In business, always try to improve your customer service and your service to the community. People love shopping someplace when they know it does someone else good. The lovely woman who owns the BBQ Pit in Mt. Vernon feeds hungry and homeless people once a week. Do you think I eat there? Every chance I get, the food is great and I know that by supporting this business I support our community. You can designate a certain percentage of sales to a charity, or open your place up for fundraisers, offer your services at a discount to non-profits. And let everyone know that you are doing this. You'll see people more often coming in to support you and your cause.
There is lots of good you can do in the world as a friend, spouse and business owner, do it. Do as much good as you possibly can. Get interested in other peoples causes and other peoples lives. By taking the focus off of your woes and your current issues, focus on someone else or a charity. You'll meet tons of new people that way and know that at the end of the day, you've made a difference in someones life.
Have a Blessed Day,
Brandy Deming
CelticBlessings4U@Gmail.com
http://www.womenswealthandwellness.com/celticblessings
http://www.twitter.com/brandysbiz
Subscribe to:
Posts (Atom)