Pay Yourself First.
By Brian Tracy
Resolve today that you are going to save an invest at least 10 percent of your income throughout your working life. Take 10 percent of your income off the top of your paycheck each time you receive one and put it into a special account for financial accumulation.
Save Throughout Your Career
The fact is that if you save just $100 a month throughout your working lifetime and you invest money in an average mutual fund that grows at 10 percent per annum, you will be worth more than one million dollars by the time you retire. This means that anyone, even a person earning minimum wage, if he or she starts early enough and saves long enough, can become a millionaire over the course of his or her working lifetime.
Lifelong Habits
Developing the lifelong habit of saving and investing your money is not easy. It requires tremendous determination and willpower. You have to set it as a goal, write it down, make a plan, and work on it all the time. But once this practice locks in and becomes automatic, your financial success is virtually assured.
Practice Frugality
Practice frugality, frugality, frugality in all things. Be very careful with every penny. Question every expenditure. Delay or defer important buying decisions for at least a week, if not a month. The longer you put off making a buying decision, the better your decision will be and the better price you will get at that time.
A major reason that people retire poor is because of impulsive buying. They see something they like they buy it with very little thought. They become victims of what is called "Parkinson’s Law," which says that "expenses rise to meet income." This means that no matter how much you earn, you tend to spend that much and a little bit more besides. You never get ahead and you never get out of debt. Don’t be a Victim
You don’t have to be a victim of Parkinson’s Law. If you cannot save 10 percent of your income, start today by saving 1 percent of your income in a special savings and investment account. Put it away at the beginning of each month, even before you begin paying down your debts. Live on the other 99 percent of your income. As you become comfortable living on 99 percent, raise your savings level to 2 percent of your income, then 3 percent and 4 percent, and so on. Grow Your Savings and Investments
Within one year, you will be saving 10 percent and maybe even 15 or 20 percent of your income and living comfortably off the balance. At the same time, your savings and investment account will start to grow. You will become more careful about your expenditures, and your debts will begin to be paid off. Change Your Financial Outlook in a Year
Within a year or two, your entire financial life will be under your control and you will be on your way to becoming a self-made millionaire. This process has worked for everyone who has ever tried it. Try and see for yourself.
Open a special account for financial accumulation today. Make a deposit in this account, no matter how small. Then, look for every opportunity to add to this account. Begin to study money so that you understand how to make it grow. Read books and magazines by experts on the subject. Never stop saving, learning, and growing until you become financially independent.
Results Determine Rewards
By Brian Tracy
People say that you are lucky when you achieve great success faster and easier than other people, but everything that happens is based on probabilities.
Successful people are always taking actions, large and small, to increase the likelihood that they will achieve their goals. They attribute their success to their own personal characteristics and especially to their willingness to work harder than other people.
Contribution is Key
The principle of contribution is closely connected to the principle of results. It says, "Your financial rewards in life will always be in direct proportion to the value of the contribution that you make to others, as they value it."
The Reason for Job Insecurity
Many people suffer from job insecurity and stagnant or declining levels of income because they have not continued to increase the value of their contribution to the employer.
Today, the most valuable component of any product or service is the amount of knowledge and skill that goes into it. You achieve job security and higher income by dedicating yourself to improving and increasing the results you get for others, and by increasing the contribution that you make to their lives and work.
Become Intensely Results Oriented
One of the fastest ways for you to come to the attention of the important people in your work is to become an intensely results-oriented person. Result orientation is a key quality of the highest paid and most respected people in every company and area of endeavour.
Whenever a company gets an excellent reputation for offering quality products and services, customers line up to buy from it. The habit of doing good work well moves you into a different category from those who only do as much as they need to do to avoid criticism. Be Prepared to Work Hard
In addition to quality work, you must be prepared to work hard. Hard work is essential for any kind of lasting success. Good work habits go hand in hand with what people continually refer to as good luck.
A person who works efficiently and well, and gets a lot of high-value work done, on or before schedule, seems to get a lot of lucky breaks. He or she gets even more opportunities to do more high-value work.
Most People are LazyUnfortunately, most people are lazy. They do just as much as they have to do to avoid getting fired. They sometimes act as if they are entitled to a job, whether they do it well or not. This fact gives hard working people an opportunity to excel far above the lazy people of the world. Create Your Own Reputation
Here’s a question for you. Do you have a reputation for being one of the hardest and most efficient workers in your company? Do people look up to you and respect you as one of the top people in your business? Are you continually being given more and bigger assignments, more important responsibilities, and more opportunities for promotion than anyone else?
If the answer is no, isn’t it time for you to make a decision to get serious about your future? Remember, this life is not a rehearsal for something else.
Action ExercisesAsk yourself continually, every minute of every day, "What results are expected of me?" Whatever your answer, concentrate on those results most of the time.
Create Your Daily Personal Growth and Development Activity Schedule…
By Brian Tracy
There are seven disciplines you must develop if you want to achieve all that is possible for you. You can learn these disciplines through practice and repetition until they become automatic.
Goal Setting
Every morning, take three to five minutes to write out your top goals in the present tense. Get a spiral notebook for this purpose. By writing out your ten goals at the beginning of each day, you will program them deep into your subconscious mind.
This daily goal writing will activate your mental powers. It will stimulate your mind and make you more alert. Throughout the day, you will see opportunities and possibilities to move more rapidly toward your goals.
Planning and Organizing
Take a few minutes, preferably the night before, to plan out every activity of the coming day. Always work from a list. Always think on paper. This is one of the most powerful and important disciplines of all for high performance.
Concentration on your Highest-Value Activities
Your ability to work single-mindedly on your most important task will contribute as much to your success as any other discipline you can develop.
Your health is more important than anything else. By disciplining yourself to exercise regularly and to eat carefully, you will promote the highest possible levels of health and fitness throughout your life. Learning and Growth
Your mind is like a muscle. If you don’t use it, you lose it. Continuous learning is the minimum requirement for success in any field. Time for Important People in Your Life
Relationships are everything. Be sure that in climbing the ladder of success, you do not find it leaning against the wrong building. Build time for your relationships into every day, no matter how busy you get. Action Exercise
These seven disciplines will ensure that you perform at the highest level and get the greatest satisfaction and results from everything you do. Study these seven disciplines and then make a plan for how you can incorporate each of them into your daily life.
The Key to Motivation…
Your Real Goal
Your goal is to become a transformational leader, the kind of person that motivates and inspires people to perform at levels far beyond anything that they had previously thought possible.
Keep People In the Know
Transformational leaders empower others by keeping them "in the know," by keeping them fully informed on everything that effects their jobs. People want and need to feel that they are "insiders," that they are aware of everything that is going on. There is nothing so demoralizing to a staff member than to be kept in the dark about their work and what is going on in the company.
Give Regular Feedback
One empowering behaviour practiced by transformational leaders is regular feedback on performance and results. People need to know how they’re doing so they can improve if performance is below standards and so that they can be proud of their successes. The more feedback you give to people, the better it is, as long as the feedback is objective and not critical. My friend, Ken Blanchard, says that, "Positive feedback is the breakfast of champions."
Be generous with your praise and encouragement. Remember, people are the only asset that can be made to appreciate in value by giving them warmth, respect, approval and by creating a climate of positive expectations. Create An Exciting Future
What companies and countries and institutions need today are courageous visionary leaders who are committed to creating an exciting future for themselves and others. You have within yourself the ability to evolve and grow as a leader and to make a real difference in the world around you. And the one thing you can know for sure about yourself is that, no matter what you’ve accomplished up to now, there is far more that you can do.
As you practice the behaviours of effective leaders, you will grow more and more toward the realization of your full potential. It’s completely up to you.
Action ExercisesHere are two things you can do immediately to put these ideas into action in your work.
First, hold regular meetings with your staff and tell them everything that is going on. Invite their comments, questions and concerns. Make everybody feel as if he or she was an insider in the organization.
Second, continually look for opportunities to give positive feedback, praise and encouragement. People need praise and encouragement like roses need rain and sunshine. Take every opportunity to make people feel better about themselves and their work.
By Brian Tracy
The Power of Pausing…
All the top salespeople ask good questions and listen carefully to the answers. One of the most important skills of listening is simply to pause before replying. When the prospect finishes talking, rather than jumping in with the first thing that you can think of, take three to five seconds to pause quietly and wait.
Becoming a Master of the Pause
All excellent listeners are masters of the pause. They are comfortable with silences. When the other person finishes speaking, they take a breath, relax and smile before saying anything. They know that the pause is a key part of good communications.
Three Benefits of Pausing
Pausing before you speak has three specific benefits. The first is that you avoid the risk of interrupting the prospect if he or she has just stopped to gather his or her thoughts. Remember, your primary job in the sales conversation is to build and maintain a high level of trust, and listening builds trust. When you pause for a few seconds, you often find the prospect will continue speaking. He will give you more information and further opportunity to listen, enabling you to gather more of the information you need to make the sale.
The second benefit of pausing is that your silence tells the prospect that you are giving careful consideration to what he or she has just said. By carefully considering the other person’s words, you are paying him or her a compliment. You are implicitly saying that you consider what he or she has said to be important and worthy of quiet reflection. You make the prospect feel more valuable with your silence. You raise his self-esteem and make him feel better about himself. Understanding With Greater Efficiency
The third benefit of pausing before replying is that you will actually hear and understand the prospect better if you give his or her words a few seconds to soak into your mind. The more time you take to reflect upon what has just been said, the more conscious you will be of the their real meaning. You will be more alert to how his words can connect with other things you know about the prospect in relation to your product or service. The Message You Send
When you pause, not only do you become a more thoughtful person, but you convey this to the customer. By extension, you become a more valuable person to do business with. And you achieve this by simply pausing for a few seconds before you reply after your prospect or customer has spoken. Action Exercises
Here are two things you can do immediately to put these ideas into action.
First, take time to carefully consider what the customer just said and what he might mean by it. Pausing allows you to read between the lines.
Second, show the customer that you really value what he has said by reflecting for a few moments before you reply.
Seven Ways to Get More Done Each Day…
There are seven methods you can use to get more done each day. Each suggestion is simple, direct, and costs no money.
Work Harder
Work harder than you are working today. You can concentrate with greater intensity on your work. You can focus single-mindedly and discipline yourself to work without interruption, diversion, or distraction. You can work harder than anyone else, which is a secret to great success.
Work Faster
You can work faster than you do today. You can pick up the pace. You can develop a faster tempo. You can move more quickly from place to place and from job to job. When you combine working harder and working faster, you can get more done in a single day than most people get done in a week.
Batch your Tasks
You can batch your tasks. You can do a series of similar jobs together, taking advantage of the learning curve.
You can batch your tasks. You can do a series of similar jobs together, taking advantage of the learning curve. Do Things You’re Better At
Do things at which you excel. The better you are in a key skill area, the more you can get done, and at a higher level of quality. Because you are better at these tasks, they will be easier for you, so you will get them done with less effort, and you will have more energy as a result. Make Fewer Mistakes
To get more done, you can make fewer mistakes. You can take the time to do it right the first time. You’ve heard it said, "there is never enough time to do it right, but there is always enough time to do it over." One of the best time management techniques is to do it right the first time, even if it takes a little more effort and concentration. Simplify the World
You can simplify the work by reducing the number of steps necessary to complete the task. This makes the job simpler and easier to get done. Action Exercise
Focus on doing a quality job the first time you do the task so that you do not need to waste time to go back and fix that task.
Seven Keys to High-Energy Living…
Energy is a key luck factor. For you to be at the top of your form, to be action oriented, fast moving, and extremely productive, you have to have high levels of physical and mental energy.
For you to be able to take advantage of all the possibilities around you, and to have the continuous enthusiasm that keeps you and others motivated and moving ahead, you have to organize your life so that you feel terrific about yourself most of the time.
1. Eat the Right Foods
The first key to high energy is a proper diet. To perform at your best, you must eat the right foods, in the right balance, and in the right combination. Your diet has an inordinate impact on the amount of energy you have, how well you sleep, your levels of health and fitness, and your performance throughout the day and into the evening.
2. Watch your Weight
The second key to high energy is proper weight. Proper weight is essential for health, happiness, and long life. Being slightly under your ideal weight is best. As they say, you can never be too rich or too thin. If you are not happy with your current level of physical health, you need to set specific goals for yourself for the weeks and months ahead.
3. Exercise is Essential
The third key to high energy is proper exercise. The best activity for high energy and physical fitness is aerobic exercise. This type of exercise requires that you get your heart rate up into what is called the training zone three times per week. This training zone is about 120 to 160 beats per minute, depending on your age. You then keep it there for at least 20 minutes or more each session.
The fourth key to high energy is proper rest. You need an average of seven to eight hours of sleep each night to be fully rested. You need to take off at least one full day each week during which you don’t work at all. You should take regular mini-holidays of two or three days each, every couple of months. You should take one and two week vacations each year when you relax completely and get your mind totally off your work. 5. Develop a Positive Mental Attitude
The sixth key to high energy is the elimination of negative emotions. This can be the most important thing you do to assure a long and happy life. Your ability to keep your mind on what you want and off of what you don’t want will determine your levels of health and happiness more than any other decision you make. 6. Start a Personal Mental Fitness Program
The seventh key to high energy is for you to go one a 21-day positive mental attitude diet, one day at a time. Resolve that, for the next 21 hours, you are going to keep your mind on what you want and keep it off the things you don’t want. You are going to think and talk positively and optimistically about your goals, other people, and everything that is going on in your life. 7. Become a Personal Powerhouse
The more you practice the health habits we have talked about, the more energy and vitality you will have. The more you keep your conversation focused on your goals and on the things you want, the greater the amount of strength and power you will feel. You will be more alert and aware. You will feel more positive and action oriented in every situation. Action Exercise
Resolve to become intensely action oriented from now on; whenever you get a good idea or something needs to be done, move quickly.
Using Stumbling Blocks as Stepping Stones…
Everyone makes mistakes and the busier you are, the more mistakes you will make. The only question is "How well and how effectively do you deal with the inevitable ups and downs of life?"
In this article, you learn the difference between a positive and negative worldview. You learn how to benefit from your mistakes and how to remain positive in the face of adversity.
Let the Light Shine In
This is achieved through the simple exercise of self-disclosure. For you to truly understand yourself, or to stop being troubled by things that may have happened in your past, you must be able to disclose yourself to at least one person. You have to be able to get those things off your chest. You must rid yourself of those thoughts and feelings by revealing them to someone who won’t make you feel guilty or ashamed for what has happened.
Using Stumbling Blocks as Stepping Stones
There are two ways to look at the world: the benevolent way or the malevolent way. People with a malevolent or negative worldview take a victim stance, seeing life as a continuous succession of problems and a process of unfairness and oppression. They don’t expect a lot and they don’t get much. When things go wrong, they shrug their shoulders and passively accept that this is the way life is and there isn’t anything they can do to make it better.
On the other hand, people with a benevolent or positive worldview see the world around them as filled with opportunities and possibilities. They believe that everything happens as part of a great process designed to make them successful and happy. They approach their lives, their work, and their relationships with optimism, cheerfulness, and a general attitude of positive expectations. They expect a lot and they are seldom disappointed.
When you develop the skill of learning from your mistakes, you become the kind of person who welcomes obstacles and setbacks as opportunities to flex your mental muscles and move ahead. You look at problems as rungs on the ladder of success that you grab onto as you pull your way higher.
Two of the most common ways to deal with mistakes are invariably fatal to high achievement. The first common but misguided way to handle a mistake is the failure to accept it when it occurs. According to statistics, 70 percent of all decisions we make will be wrong. That’s an average. This means that some people will fail more than 70 percent of the time, and some people will fail less. It is hard to believe that most of the decisions we make could turn out to be wrong in some way. In fact, if this is the case, how can our society continue to function at all?
Cut Your LossesThe fact is that our society, our families, our companies, and our relationships continue to survive and thrive because intelligent people tend to cut their losses and minimize their mistakes. It is only when people refuse to accept that they have made a bad choice or decision-and prolong the consequences by sticking to that bad choice or decision-that mistakes become extremely expensive and hurtful. Learn From Your Mistakes
The second common approach that people take with regard to their mistakes, one that hurts innumerable lives and careers, is the failure to use your mistakes to better yourself and to improve the quality of your mind and your thinking.
Learning from your mistakes is an essential skill that enables you to develop the resilience to be a master of change rather than a victim of change. The person who recognizes that he has made a mistake and changes direction the fastest is the one who will win in an age of increasing information, technology and competition.
By remaining fast on your feet, you will be able to out-play and out-position your competition. You will become a creator of circumstances rather than a creature of circumstances.
Action ExercisesNow, here are three steps you can take immediately to put these ideas into action.
First, imagine that your biggest problem or challenge in life has been sent to you at this moment to help you, to teach you something valuable. What could it be?
Second, be willing to cut your losses and walk away if you have made a mistake or a bad choice. Accept that you are not perfect, you can’t be right all the time, and then get on with your life.
Third, learn from every mistake you make. Write down every lesson it contains. Use your mistakes in the present as stepping stones to great success in the future. By Brian Tracy
Think Like a Millionaire…By Brian Tracy.
Attitude is Everything
The most important attitude for financial success is long-term thinking. Successful people think a long way into the future and they adjust their daily behaviors to assure they achieve their long-term goals. In a longitudinal study done at Harvard University in the 50s and 60s, they studied the reasons for upward socio-economic mobility. They were looking for factors that would predict whether or not an individual or family was going to move upward and be wealthier in the future than in the present.
They studied factors like education, intelligence, being born into the right family, or having the right connections. In every case, they found individuals who had been born with every blessing in life who did poorly. They also found individuals who had been born or come to this country with no advantages at all who had been extremely successful. What was the distinguishing factor?
They finally determined that there was only one key attitude that mattered. They called it "Time Perspective." Time perspective refers to the amount of time that you take into consideration when planning your day to day activities and when making important decisions in your life.
People with long-time perspective invariably move up economically in the course of their lifetimes. When you spend weeks, months and years developing your skills and ability and expanding your experience in order to be successful, you have long-time perspective. The average professional person has a time perspective of 10, 15 and 20 years.
Begin to see that everything that you are doing today is part of a long-time continuum, at the end of which you are going to be financially independent or financially unfortunate. People with short-time perspective think only about fun and pleasure in the short term. They have what economists call "The inability to delay gratification." They have an irresistible tendency to spend every single penny they earn and everything that they can borrow.
When you develop long-time perspective, you develop the discipline to delay gratification and to save your money rather than spending it. The combination of long-time perspective and delayed gratification puts you onto the high road to financial independence.
Action ExercisesNow, here are two things you can do to develop the attitudes of financially successful people:
First, think long-term about your financial life. Decide exactly how much you want to be worth five years, ten years and twenty years from today. Write it down. Make a plan. Take action on your plan every single day.
Second, develop the ability to delay gratification. Instead of buying something on impulse, put off buying decisions for a day, a week or even a month. Decide in advance to "think it over" before you buy anything. This can change the way you spend money almost immediately.
Do You Have Everything You Want In Life?
If you’re like most people the answer is a resounding NO.
Sure, you’ve worked hard and achieved some of your goals…but ask yourself, is there more? Could you do better?
If you are still falling short of reaching your dreams, I can help.
Most successful people have a common trait. They are notorious goal setters. They realise that a dream without a goal is only commentary. And hope is not a business plan.
Are these people smarter than you? Do they come from wealthy families?
Many were in a worse position than you might ever be in. And yet they had a dream. They set goals. Goals they knew were achievable simply because others had done it before.
Setting goals can be a real challenge; especially if you’ve tried and failed before. But don’t worry; it’s not your fault. It’s just that people make goal setting seem difficult or even impossible.
I’ve got news for you. Nothing could be further from the truth. Sure, you’ll face the odd challenge, we all do. Remember, most challenges are really just opportunities to bring you closer to your goals.
What successful people know that you don’t is how to make their goals work for them. In my live ”Eat That Frog” 1 day training workshop, I take you by the hand to show you simple, proven strategies designed to help you achieve all of your goals.
I’ve helped lots of people reach for the stars and make their dreams a reality and I want to help you.
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To your success!
Mark Garbelotto
