New Year – Now What?

Happy New Year! It’s 2019. Cheers! Here’s to the New Year and New Beginnings!

For some of us, we stayed up til midnight to see the New Year come in, and others stayed up to make sure that the old year went away! Each year we have the same amount of days. It’s 365 days no matter what year it is (unless of course it’s Leap Year). The only difference is what we decide to do with our days .

So, what resolutions did you make this year? Setting goals is a great way to gain clarity. However, while goals are good, it’s also important to have realistic expectations and acquire consistent habits that will help you to obtain your goal. If your goal is to make more money this year then you should start off by setting a specific and rational amount you want to achieve and work toward it. It doesn’t matter if your amount is $5,000 or $50,000. Be honest with yourself about what’s feasible and what consistent habits you will need to establish in order for your financial goals to come to fruition. Do you need to save more, work a second job or earn more money by getting a pay raise or applying for a different job that pays more? Basic questions like these are easy to ask yourself but sometimes more difficult to answer without a well thought out plan.

Remember, it’s a New Year! There is plenty of time to make mistakes and start anew! Don’t worry if things don’t go as planned right away. The key is to just set the goal. Be realistic and start the plan. 1)Remember, be honest with yourself and your expectations. 2) Work on starting out with one goal at a time. This will help keep you from getting too distracted or overwhelmed. 3) Track your progress (this will help you stay accountable). 4. Ask for help if you need it. Sometimes it just takes another voice to encourage you and keep you on track!

Happy New Year! Welcome to 2019. It’s Your Year! Make it a great one!

Work on Your Now in 2018!

Trust, Grow and Let Go, is Working on Your Now’s Mantra for 2018!  I wish I could take credit for putting these words together, but I can’t!  But, I do believe that when we allow ourselves to be still and open to possibilities, the direction that we’ve been seeking will eventually come!

Everyone needs words of encouragement.  Often, we know what we need to do to progress, but we resist.  However, when we hear it from someone else, it resonates and then we take action!  So that’s what I want you to do in 2018.  Trust in yourself, Grow with the life lessons you’ve encountered, and Let Go of any fear that may be preventing you from Working on Your Now in 2018.

Happy New Year!


Are you God?

Of course you are not.  But, some people act as if they are.  These are the people who act as if they are above reproach. They  always seem to find fault in everyone else. They love to connect themselves with people who may not be on their same socioeconomic level so they can be looked up to.  They like to appear smarter, wealthier and better.  Their egos are typically highly inflated  and they find it difficult to find any flaws within themselves.

The “god person”  gives the appearance that they have no worries and no trials. This person generally believes they are above the rules of society and should be given special consideration. They want you to believe  they are in control of everything because they truly believe it themselves. There is no one who is far greater, more superior, more perfect, more untouchable than they themselves.– or so they think.

For those of us who believe in God, we know that these people are a far cry from the omnipotent that we love and serve. Here are few tips on dealing with a human and fallible god.

Respect Yourself –  First and foremost, you have to lead by example.  It’s true. If you don’t respect yourself, then no one else will.  You have to be confident and remain confident when in the company of  these people.  (To thine own self be true -William Shakespeare) In other words, don’t get caught up in trying to fit in. All of us have a a gift that God has given us. Find your gift and use it.

Set Limits– You may live with this person. You may work with this person. Or, you may  have a relationship with this person. However you are connected, you will need to decide how you will keep your sanity. You have to set limits on what you will tolerate and what you won’t.  Make your own rules and have that person abide by them or else you need to move on and get out of the way. This goes back to being respectful of yourself first and not allowing others to disrespect you. It’s a choice. It may be a hard one. But, it is a decision that you will only be able to make.  What can you put up with and what is non-negotiable? Let the “god person” person know this and you make sure that they respect the boundaries you set forth and you make sure you follow through.

Assert yourself – There is a difference between being assertive and aggressive.   Assertive is to go after what you want without putting everything and everyone else at risk at any cost. What you want is to not to be demeaned, ridiculed or passed over. You have to be confident. You have to be pleasantly  persistent and thoughtful of others even when this person takes your patience to a whole other level.  You cannot allow their ways to rub off on you.    Aggressive means all bets are off. Anyone and anything that gets in an aggressive persons way can be viewed as collateral damage. Aggressive people don’t care how it gets done. They just want it done by any means necessary. And they want it done Now!  Be assertive. Be clever. Be smart. Get what you want on your terms  without intimidation or questionable tactics. After all, you are already dealing with someone who thinks they are god.  If you don’t feel as if you can deal with the “god person” on your own, consider seeking professional help.  More importantly,  seek  the real God to help you navigate through your ordeals.  God is the real deal. He knows it. Do you?



No One Will Ever Owe Me Money Again!

That’s right. I have vowed to no longer be the friendly ATM or the interim loan officer. I’m done. And here’s why: My experience has shown me that there are three types of borrowers.

Borrower #1 is the person who says they will pay you back and actually does.
Borrower #2 is the person who has the best intentions of paying you back, but runs into struggles along the way. However, they do pay…eventually.
Borrower #3 is the person who says they will pay you back, but they know they never will (and you learn a life lesson in the process).

After experiencing Borrower #2 and #3 once too many times, I have made some new rules:
Rule #1 When I have the money, and someone needs to borrow some, I will give what I can.
Rule #2 The money I give may not be the total sum the person is asking for. However, the amount will be more than what they have, and they can find someone else to borrow the remainder.
Rule #3 When I do give the money, I won’t expect it in return.

Why do I have these rules?

Because I have set the same expectations of others that I have placed on myself and it has driven me crazy. I’ve learned from my experiences that it is not fair to me, nor is it fair to others when I place the same set of standards on them, as I do on myself. I’ve learned that their values are not mine. The same high bar that I set for myself is just that — my bar. No one owes me anything. But, I owe myself everything. Whatever it takes for me to adjust my own attitude and my thoughts is what I will do to avoid getting myself annoyed at people who do not follow through on their word.

I have the power. I will not release it to someone else again, especially over money. They say money is power, but I say people are more powerful. What we tell ourselves about ourselves is power. How we choose to view things can give us power. How we choose to react to situations that annoy us gives us the power, as well. So here is the power I have given myself when it comes to someone borrowing from me. I choose to give and not to lend.
So, no more rants. No more complaints. No more aggravations. It’s simple. I expect nothing in return. And no one will ever owe me money again. I can live with that!

All Talk and No Action

This is probably one of my personal biggest pet peeves. I’m a big believer in doing what you say you are going to do. I know that life happens and we are not always able to do things as planned. But, that’s not what I get peeved about. I’m talking about the doers vs. the do-nothings. The action-takers vs. the excuse-makers. These are the women who talk about what all they plan to do and never have a plan to actually execute on it. They talk, talk, talk and talk to the point where you just want to say, “I hear ya, but WHEN are you going to actually DO IT?”

They say:
“I’m gonna quit my job and work somewhere else.”
“I’m gonna start paying down that debt I owe.”
“I’m gonna start that business I always wanted.”
I’m gonna set aside enough money to retire early.
“I’m gonna take that vacation I’ve always wanted. ”
“I’m gonna buy that new car.”
“I’m gonna ask for a raise.”
“I’m gonna start my New Year’s Resolution.”

It’s all SOUNDS good, but Really? When are you GONNA make this happen?

There’s the rub. It’s like a 24-7 mantra.I’m gonna, I’m gonna…This typically ends with One day when I _____ (You Fill in the blank).

Okay, so now that I’ve gotten my rant out of the way. Let’s talk about our mindset. It has to change. It’s a simple two-word process. Just take the word GONNA out of your sentence and replace it with I AM. So, now the sentence reads: I AM quitting my job. I AM paying down that debt I owe. Do you see the difference? You are living in the NOW! And the more you have this type of thinking, the more you will get things accomplished. It’s like a switch going off in your brain. You are telling yourself that you are ALREADY doing it and day by day, you will. It may not be completed in a short time frame, but with the right attitude –and a plan, it will happen.

Anything can sound good, but what really counts is when it goes from just talking about making something happen to actually making it happen.

Join Working on your Now on Saturday, April 23 as we delve more into topics just like this one. Check out the details on the site.

When A Whisper Becomes a Roar!

Recently,  I was speaking to  aspiring group of college students.  The topic was finding your IT or what I like to call your intuitive talent.  You know what that is, don’t you? It’s that voice you hear, the tug in your stomach or the tingling feeling you get whenever you do what feels right. That is probaby your IT-calling.  Your inner voice is telling you what you already know, but fear to start. It is the voice of reason that can help navigate us through our daily paths if we follow its leading.

So when that whisper in our heads becomes an actual roar, why do so many of us ignore or second-guess what we hear? If you are someone who has done this  then remember this: Trust yourself.   You are smarter than you give yourself credit for, and that’s is why it is important not to ignore our gut instincts.

For some, they have not experienced a gut feeling or inner voice. Not everyone is in tune with their inner voice and may need a little coachinng to bring out his or her IT.  If this describes you then start by making a list of what brings you happiness.  What experiences have you had that bring you a sense of joy? What activities have you done that leave you feeling happy ? It doesn’t matter how long or how short it is, only that you have take time to identify them.

Work on Your Now by taking time to think if the things that bring you joy are really a part of who you are, or are they a part your purpose and where you really want to go in and with your life.

Are You Busy with Things that Matter?

Everyone seems to always be busy. The universal saying is “There never seems to be enough time in the day.” Well, believe it or not twenty-four hours is a very long time. If someone asked you to be still for twenty-four hours then your first response would probably be this:  “That’s too long!”  How about twenty-four hours of driving, walking, running, standing, sitting or lying in bed? Twenty-four hours doesn’t seem too short now, does it?

Twenty-four hours is the same amount of time in everyone’s day. The difference is  what you choose to do with your twenty-four hours. Do you whittle it away by wasting your time on things that really don’t matter? Or do you  use each hour of every day purposefully for doing the things that are important in your life?

So the next time you start your day, think about all of the things that can be accomplished in twenty-four hours.  When it really comes down to it, how much time per day do you really need to do  the things that really matter?

WOYN Tip: When we prioritize the things that matter, we can make the time for what is really important. The other stuff can be put off until the next twenty-four hours.


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