Monday, November 30, 2009

32 Days Left in 2009- Getting Out of Debt Challenge

32 Days Left in 2009

Activity #32

Take the following quiz: What kind of spender are you?

Note: You need to scroll down the page to this quiz it is under the Spending Wisely category. I am sorry but it wouldn't let me paste the URL to the actual quiz here.

Best wishes,

Janie

Sunday, November 29, 2009

33 Days Left in 2009- Getting Out of Debt Challenge

33 Days Left in 2009

Activity #33

Read: 5 Ways to Make More Money

Best wishes,

Janie

Saturday, November 28, 2009

I have a hard time around holidays...

My holidays are complicated and difficult in my family. There are all sorts of unwritten rules and a lot of talking behind each other's back. No one is good enough in my family and there is a lot of judgemental and critical statements made.

For the most part I am able to stay out of this and live my own life. But each holiday I get sucked back in and I end up feeling really lonely within my own family.

Then I started to think about my debt and getting out of debt. While I was in debt I was very lonely. I didn't tell anyone and I kept a lot to myself. I feared getting judged.

Are you feeling lonely right now because of your financial situation?

If so, I want you to know that you aren't alone. You have this blog and you have me. I know what it is like to feel like an outcast within your own family.

So, I want you all to feel good and not lonely that is why I am here and write to you on this blog.

Best wishes,

Janie

34 Days Left in 2009- Getting Out of Debt Challenge

34 Days Left in 2009

Activity #34

Do you have a holiday gift giving budget?

Yes, I am not spending more than $500.00 on family gifts.

Best wishes,

Janie

Friday, November 27, 2009

35 Days Left in 2009- Getting Out of Debt Challenge

35 Days Left in 2009

Activity #35

I have decided to skip Day #36 because it was Thanksgiving. I hope you had a wonderful holiday.

Today's activity is to get your free credit report (as long as you haven't already asked for one this year). You are only allowed 1 free credit report each year.

This will be a great way to check to see if any errors/mistakes are on your credit report before the new year.

Best wishes,

Janie

Wednesday, November 25, 2009

37 Days Left in 2009- Getting Out of Debt Challenge

37 Days Left in 2009

Activity #37

This activity will take you about 30 minutes to complete.

What are you thankful for today?

I am thankful for my life- both the good and bad parts of it. I have learned to keep on going even when things got tough. Thank you to all of my followers and readers. I appreciate all of the support and emails that I receive on a daily/weekly basis.

Best wishes,

Janie

Tuesday, November 24, 2009

38 Days Left in 2009- Getting Out of Debt Challenge

38 Days Left in 2009

Activity #38

This activity will take you about 30 minutes to complete.

The following question is being asked to clarify your values. It is meant to determine what you really want out of life and your values right now.

If you got a 10 million dollar check in the mail today what you would you do? How would it change your life?

For me it would give me freedom and security. I would donate to my favorite charities, give money to family, invest the money for future generations, go on vacation, join a gym, on the possibilities are endless. You know what I wouldn't quit my job right away either. I would want to maintain a normal life for awhile too.

Best wishes,

Janie

Monday, November 23, 2009

39 Days Left in 2009- Getting Out of Debt Challenge

39 Days Left in 2009

Activity #39

This activity will take you about 30 minutes to complete.

Read: The Peak Age of Financial Reason.

Best wishes,

Janie

Sunday, November 22, 2009

40 Days Left in 2009- Getting Out of Debt Challenge

40 Days Left in 2009

Activity #40

This activity will take you about 30 minutes to complete.

Is there something on your mind that is bothering you right now? You can't seem to stop thinking about it. It keeps you up at night. You are distracted by those thoughts and you can't seem to function really well in your daily life.

This is what I do to clear my mind.

First, I write what is bothering me down on a sheet of paper.

Second, if this was the only thing in your life that you had to figure out what would you do next. What are your next steps? (Only focus on this one problem at the moment if you have a lot of things that are bothering you.)

Third, write the next steps down on that same sheet of paper.

This activity always gets it out of my head and on paper. This way I am not thinking about it anymore. I am not as distracted because I have a plan of action and I know what needs to be done next.

This could be something that I need to learn, do, read, etc.


Best wishes,

Janie

Saturday, November 21, 2009

41 Days Left in 2009- Getting Out of Debt Challenge

41 Days Left in 2009

Activity #41

This activity will take you about 30 minutes to complete.

Would you consider yourself to be a positive person?

I read this quote recently and had to share it here: "If you aspire to the higher planes of success in life, you should become better acquainted with that great, powerful, positive self who lives in your body."

Digging deep and finding that positive person within yourself will get you everything that you want out of this life. My life has transformed because I am always looking for something even if it is small to be thankful for and to enjoy in this life. Somedays when I am really struggling with being positive I just am so thankful for this blog and for you.

Best wishes,

Janie

Friday, November 20, 2009

42 Days Left in 2009- Getting Out of Debt Challenge

42 Days Left in 2009

Activity #42

This activity will take you about 30 minutes to complete.

Do you have enthusiasm? Are you enthusiastic about your future life and attaining all of your goals?

Ralph Waldo Emerson once said, "Nothing great is ever achieved without enthusiasm."

I think the ability to stay enthusiastic about something is incredibly important especially when you are getting out of debt. By being enthusiastic you are able to tackle anything that comes your way because of your mindset. This helps when life throws adversity your way.

Are you ready for the weekend? You are doing so well with the challenge! Can you believe the year is coming to an end?

Best wishes,

Janie

Thursday, November 19, 2009

43 Days Left in 2009

43 Days Left in 2009

Activity #43

This activity will take you about 30 minutes to complete.

You have 43 days left in this year. What is the one thing you want to learn before the end of the year?

Best wishes,

Janie

Wednesday, November 18, 2009

44 Days Left in 2009- Getting Out of Debt Challenge

44 Days Left in 2009

Activity #44

This activity will take you about 30 minutes to complete.

Read this article: 10 Things The IRS Won't Tell You.

Best wishes,

Janie

Tuesday, November 17, 2009

45 Dayse Left in 2009- Getting Out of Debt Challenge

45 Days Left in 2009



Activity #45



This activity will take you about 30 minutes to complete.


Do you have hope?

According to Napoleon Hill, "Hope is the raw material with which you build success. It crystallizes into faith, faith into determination, and determination into action. It springs principally from your imagination, from your dreams of a better world, a better life, a better tomorrow."

Best wishes,

Janie

Monday, November 16, 2009

46 Days Left in 2009- Getting Out of Debt Challenge

46 Days Left in 2009

Activity #46

This activity will take you about 30 minutes to complete.

Are you a sincere person? Do you help others?

According to Napoleon Hill, "You can achieve your own goals in life by proving to others that you have a sincere desire to help them. If you do, you won't need to worry about lean times. You will have more clients or customers than you can handle."

Best wishes,

Janie

Sunday, November 15, 2009

Lovely Blog Award



Guess what?! I got my first blog award. I am so excited and so happy. Thank you very much Thena. Please go over and check out her blog it is fabulous: http://nanathena.blogspot.com/.



Now it is my turn to pass the award onto 15 blogs.



As it has been passed along to me, here are the rules of the "One Lovely Blog" award:

1. Accept the award


2. Post it on your blog together with the name of the person who has granted the award, and his or her blog link.


3. Pass the award to 15 other blogs that you’ve newly discovered. Remember to contact the bloggers to let them know they have been chosen for this award.


My 15 blogs are:































Thanks again to all of my blog readers. You all make this blog what it is.


Best wishes,


Janie



47 Days Left in 2009- Getting Out of Debt Challenge

47 Days Left in 2009

Activity #47

This activity will take you about 30 minutes to complete.

Do you have patience?

Patience is, the courage to change the things you can, the willingness to accept the things you cannot and the wisdom to know the difference.

Best wishes,

Janie

48 Days Left in 2009- Getting Out of Debt Challenge

48 Days Left in 2009

Activity #48

This activity will take you about 30 minutes to complete.

Do you have hope and faith that your dreams will come true?

As Thoreau said, "If you have built castles in the air, your work need not be lost; there is where they should be. Now put foundations under them."

Best wishes,

Janie

Friday, November 13, 2009

49 Days Left in 2009- Getting Out of Debt Challenge

49 Days Left in 2009

Activity #49

This activity will take you about 30 minutes to complete.

Do you believe that strength is built from struggle? Do you think because you are financially struggling right now that you will be stronger for it in the years to come? Do you think this debt experience will make you stronger or make you bitter?

These are important questions to ask yourself. Recently, I came across two quotes that I thought would be perfect with our questions today.

1. "Life, from birth to death, is literally an unbroken chain of ever-increasing, unavoidable struggle. The education we receive from the struggles we face is cumulative- we get it little at a time from every experience we encounter."

2. "The strongest trees in the forest aren't those most protected; they are those that must struggle against the elements and other trees- and surmount them- to survive."

I think this is great food for thought. Especially, since I personally have been struggling for weeks. I need to read these quotes often.

Best wishes,

Janie

Thursday, November 12, 2009

50 Days Left in 2009- Getting Out of Debt Challenge

50 Days Left in 2009

Activity #50

This activity will take you about 30 minutes to complete.

We have made it halfway! Yes. This is great.

Why do some people succeed and others fail?

According to Napoleon Hill, "The successful person knows precisely what he/she desires, has a plan for getting it, believes in his/her ability to get it, and devotes a major portion of his/her time to acquiring it. The failure has no definite purpose in life, believes that all success is the result of "luck," and moves on his/her own initiative only when forced to do so."

Best wishes,

Janie

Wednesday, November 11, 2009

51 Days Left in 2009- Getting Out of Debt 2009

51 Days Left in 2009

Activity #51

This activity will take you about 30 minutes to complete.

Do you have self-satisfaction in the work you are doing? How can you motivate yourself to succeed?

True success and motivation is marked by doing a good job and knowing that you have attained the goal that you set out for yourself.

For me I am a proud that I write daily entries on this blog and that I have been doing it for 5 months now. I get a lot of satisfaction knowing that I am helping a lot of people in the blog world. I want YOU to succeed.

This is why I have this blog and I give you these activities to do. To make you think about your life and money differently.

This is the way to success because getting out of debt isn't just about paying your bills it is about changing your relationship and mindset around money. We need to get to the root of the problem first.

Best wishes,

Janie

Tuesday, November 10, 2009

52 Days Left in 2009- Getting Out of Debt Challenge

52 Days Left in 2009

Activity #52

This activity will take you about 30 minutes to complete.

Are you in control of your own thoughts? Or do you let friends, family, society, etc. control you?

This is especially important with our spending habits. Why do you live a certain way? Why do we want certain material things?

You will never find peace unless you have control over your own mind and thoughts. The most profound fact concerning humanity according to Napoleon Hill is this: "The Creator gave us the complete, unchallengeable right of prerogative over one thing, and only one thing- our own mind."

I struggle with this because I want to always please others. What others think of me is so important?! Until recently, I have let others control me and my thoughts. It is something to think about because once you identify this trait in yourself you can start to change it or at least be aware of it. I believe this is one of the main reasons I got into all of my debt.

Best wishes,

Janie

Monday, November 9, 2009

53 Days Left in 2009- Getting Out of Debt Challenge

53 Days Left in 2009

Activity #53

This activity will take you about 30 minutes to complete.

Are you currently a drifter in life? Do you know what you want out of this life?

This is a very important and difficult question that needs to be answered and answered again throughout your life. Because there are no drifters to success. The ones who are successful knew what they wanted, made a plan, and stuck with it even when the difficulties arise. There will always be challenges in this life. Life is hard at times but that hard work makes us appreciate the good that much more.

Today make a commitment to yourself to end being a drifter. According to Lee Maranz a successful businessman, "If you have a strong belief in yourself, in what you are doing, and what you want to do, no adversity is too difficult to overcome."

Best wishes,

Janie

Sunday, November 8, 2009

54 Days Left in 2009- Getting Out of Debt Challenge

54 Days Left in 2009

Activity #54

This activity will take you about 30 minutes to complete.

What field do you want to become an expert in? What do you need to learn to become an expert in your field of choice?

Any person with a large knowledge base has spent hours and hours and hours building this knowledge (reading, studying, making mistakes and learning from them). As a result they become an expert in their field. Which in turn makes them a valuable asset in the marketplace.

We all want to keep our jobs so it is important to become an expert.

Happy Learning!

Best wishes,

Janie

Saturday, November 7, 2009

55 Days Left in 2009- Getting Out of Debt Challenge

55 Days Left in 2009

Activity #55

This activity will take you about 30 minutes to complete.

Read this article: 7 Women 5 Years Of Conquering Debt

Best wishes,

Janie

Friday, November 6, 2009

56 Days Left in 2009- Getting Out of Debt Challenge

56 Days Left in 2009

Activity #56

This activity will take you about 30 minutes to complete.

Has your relationship with money, debt, savings changed since you started this challenge?

Best wishes,

Janie

Thursday, November 5, 2009

57 Days Left in 2009- Getting Out of Debt Challenge

57 Days Left in 2009

Activity #57

This activity will take you about 30 minutes to complete.

Yesterday I asked you if you feared poverty. Why did I ask such a question? Well, I was reading a section in book about poverty and this is what it said,

"In tens of thousands of homes, the general topic of conversation is poverty and want, and that is just what they are getting. They think of poverty, they talk of poverty, they accept poverty as their lot in life. They reason that because their ancestors had all been poor, they too must remain poor. The poverty consciousness is the result of the habit of thinking of and fearing poverty." - Napoleon Hill

So, today focus on the positive and the accumulation of wealth. I have seen my life change by focusing on the positive. I am a very negative thinker and at times it takes my whole body and soul to make me think positive. I tell myself that everything in life is horrible and I suck and I am poor. But really everything in my life isn't horrible it is just my mind playing tricks on me.

Do you have the same negative self defeating thoughts? I am going to think happy and wealth accumulation thoughts today.

Best wishes,

Janie

Wednesday, November 4, 2009

58 Days In 2009- Getting Out of Debt Challenge

58 Days Left in 2009

Activity #58

This activity will take you about 30 minutes to complete.

Do you fear poverty?

Best wishes,

Janie

Tuesday, November 3, 2009

59 Days Left in 2009- Getting Out of Debt Challenge

59 Days Left in 2009

Activity #59

This activity will take you about 30 minutes to complete.

Read this passage and reflect on it today.

If you think you are beaten, you are.
If you think you dare not, you don't.
If you like to win, but you think you can't,
It is almost certain you won't.

If you think you'll lose, you're lost,
For out of the world we find,
Success begins with a fellow's will
It's all in the state of mind.

If you think you are outclassed, you are,
You've got to think high to rise,
You've got to be sure of yourself before
You can ever win a prize.

Life's battles don't always go
To the stronger or faster man,
But soon or late the man who wins
Is the man WHO THINKS HE CAN!

~ Napoleon Hill

Best wishes,

Janie

Monday, November 2, 2009

Thriving On Less E-Book

I just wanted to let you know of an ebook about living on less that I found on the Internet today.

Go here to download a free copy of the ebook, Thriving on Less.

Best wishes,

Janie

60 Days Left in 2009- Getting Out of Debt Challenge

60 Days Left in 2009

Activity #60

This activity will take you about 30 minutes to complete.

How can you transform your relationship with money?

Example: I will not let the thought of money rule my life. I will think of it as a resource and it does not define my self worth.

Best wishes,

Janie

Sunday, November 1, 2009

Questions for me

I thought it would only be fair if you got a chance to ask me questions. I am making you work with this challenge so I wanted to give you the opportunity to ask questions.

What do you want to know about me?
What are you curious about?

Here is a start-

My favorite color is blue.
I started reading blogs in 2006.
My goal is to be a millionaire by the age of 65.
I love pets.
I want to donate wedding dresses to brides-to-be.
I love to eat.
I am studying for the CFP exam.

Best wishes,

Janie

61 Days Left in 2009- Getting out of Debt Challenge

61 Days Left in 2009

Activity #61

This activity will take you about 30 minutes to complete.

What is your relationship with money? Does it give you anxiety, make you happy, make you feel rich, make you feel poor, etc.?

Best wishes,

Janie
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