What Albert Einstein Knew About Holiday Shopping, Overspending and Personal Finances
It’s that time of year again ….. Christmas lights and decorations are
beginning to pop up in your neighborhood, the only thing standing between you
and the mall entrance is the Salvation Army kettle and Adam Sandler’s “Hanukah
Song” can be heard blaring from car radio speakers across America.
It doesn’t matter what your beliefs or traditions are. The truth is the next
several weeks can wreak havoc on your personal finances. Why? Because many of us
don’t have a spending plan in place for the holidays. And many of us equate
saying ‘no’ to depriving ourselves or our families of something we want.
What do plans and boundaries have to do with buying presents?
Albert Einstein, one of the greatest thinkers in history, said that “a
problem cannot be solved at the level of consciousness in which it occurs …”
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How to Learn From my Mistakes and Own the Power of Your Personal Finances
Imagine what it would be like if you could take all the mistakes you’ve made
about personal finances and magically transform them into choices that produced
wealth …
Although we cannot change the past, periodically I take time to mentally
review some of the decisions I’ve made and use them as lessons for the future.
And if you’ve read my Keyboard-Culture bio you’ll realize that I’ve lived
through many of the same situations some of you are experiencing today.
Let me tell you about one of my personal finance choices that turned into a
no-win situation.
Sadly, my former wife and I didn’t communicate well about many things. Money
was just one of the items on the list. One Christmas she told me she wanted a
bicycle so she could pull our youngest child around the neighborhood in one of
those kiddie bike-seat attachments when the weather got warmer.
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How Identity Theft Can Ruin Your Drive Home
Just picture yourself driving home from a business trip on a cold December
day…
Your cell phone rings but you don’t recognize the number displayed on the
caller ID. You answer your phone and the caller exclaims that you’ve won his
online auction for a PlayStation 2™, and urges you to send him $450.00 that
afternoon so he can ship the item in time for Christmas.
You’re puzzled because you didn’t bid for any items on the popular auction
site. You tell the caller you don’t know what he’s talking about, dismiss it as
a random event and hang up.
An hour and a half later, your cell phone rings again. Same story –
unfamiliar number and a caller telling you that, as the successful high bidder,
you need to send him hundreds of dollars immediately so he can ship you the
PlayStation 2™ in time for Christmas.
By now your heart is starting to beat faster and your brain is working
overtime trying to figure out what’s going on. After five more calls just like
the previous two, you start to panic because you know what happened…
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Why Most of the So-Called Personal Finance "Gurus" Are Clueless About Helping You to Become a Millionaire
Yesterday I walked into a Barnes and Noble bookstore. I headed straight for
the personal finance section and started to count the different titles on the
shelves. I stopped counting after 73 because there were too many people in the
aisle and I couldn’t see the books clearly.
Many of these printed works feature terrific suggestions about paying
yourself first, spending less than you earn, investing, getting out of credit
card debt, building a millionaire retirement portfolio and more.
As I watched this human shopping frenzy grabbing personal finance books from
the shelf and leafing through the pages, several questions popped into my head.
Since eliminating credit card debt and building wealth for a millionaire
retirement can be taught as a process and a system, why do so many people
continue to choose stress and vulnerability over happiness and security?
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The First Financial Planning Step to Achieve Financial Freedom
In my previous blog post I promised to teach you the steps to help you
reprogram your Prosperity DNA™ so you can override the messages that will
keep you stuck in wealth-reducing habits.
Throughout history many great thinkers have written and spoken about the
mental maps, pictures and thoughts that ultimately determine the life we create
for ourselves.
Here are but a few examples:
• “The mind is everything; what you think, you become.” – Buddha
• “We become what we contemplate.” – Plato
• “Change your thoughts and you change your world.” – Norman Vincent Peale
So what does this have to do with helping us to achieve our financial
planning goals for financial freedom?
Continue reading "The
