Archive
New RSS Feed
Here is the Nerd’s Blog RSS feed URL in case you had subscribed to the RSS feed here:
http://nerdenterprises.com/blog/feed/
IMPORTANT ANNOUNCEMENT
The QuickBooks Help Blog has moved!!. All new content (and there’s already plenty of that already) is being posted here:
Steps To Success
Independence |
Vol. 3 |
Happy Independence Day from Nerd Enterprises, inc. Call us today (866) 945-8070 for information on this month’s live webinar. I will be expanding in great detail on what you are about to read in the next section and I am offering several times to accommodate schedules and time zones.
Independence We experience true independence as individuals when we identify with similarities and respect people’s differences. There are two important forms of independence that I think about when I think about my life and how I have developed as a person today – financial independence and personal independence. I began to find personal independence when I started to learn to look for the similarities in people while also respecting their differences. I began to feel financial independence and still more personal independence when I started my own business. People have read this on my blog and heard me share about my experience in person. I came to California when I was 28 and had nothing. My net worth was definitely in the red financially as well as spiritually. I know this part of my story is not unique. What is also not totally unique, but definitely uncommon in my experience was that I was not willing to settle. I kept pressing on and today I have a wife, 3 dogs, a home, and a nice 6 figure business and growing. I did this by learning to develop a very positive mental attitude and by not letting go of my instinct that I was not going down without a fight. I was definitely down when I came to California. Then I learned it wasn’t about “fighting”. It was about visualizing and realizing who I wanted to become. The great part was I did not need to concern myself with how I would get there. I just had to know I would get there. Today I still know where I want to be and I don’t care how it happens. I just know it will happen. I cannot fail. This is the attitude that is necessary for true independence on all levels and below are some steps describing how I have done it so far. I want to show you how to work with what you currently have doing what you presently do in order to build more of the life you want for yourself. I’ve learned that at any given moment the real “Secret” to life is based on finding out who I really am and following that up with a sincere attempt to become what I’ve always wanted to be. Too many seminars give you the concept alone and leave you wondering about the implementation. This is by design so you have to sign up for more seminars. I am going to give you the application – in other words how you can actually implement these ideas. |
||
|
||
|
|
Conditions – a previous newsletter we sent out from our parent site
People sometimes ask me. Seth why is it so important to you that you and for that matter others have a good handle on their finances? Isn’t it true that money can’t buy happiness?
My initial response is usually something like… stand outside of a car dealership and look at the faces of the people who are driving out in their brand new cars? A chuckle follows and then I explain that of course money doesn’t buy happiness. I have a theory though in terms of how money and happiness are related.
True happiness comes from being able to live truly in the moment. When I am spending time with friends, family – people I love I want to be able to be present. This means that both mind and body are right there with the people. I am paying attention and getting the most out of my time with them. It is when I am truly in the moment that I am the happiest. Usually when I am worried I am thinking about tomorrow. Most often when I am sad, I am thinking about something in the past. There can be exceptions, but the truth about this is where the expression “Yesterday is history, tomorrow a mystery, but today is a gift. That’s why we call it the Present.” comes from. Think about the last time you were upset about something. In that moment were you thinking about what was happening at that moment? Now think about the last time you felt really happy. I know for me at that moment I was thinking about how good life was and how good it felt. My mind wasn’t wandering, worrying about what might be or regretting what did or didn’t happen that I was disappointed about.
Aren’t finances one of the biggest causes of people’s worries? How many marriages break up over finances? How many times when things were tough financially were you able to go out and enjoy yourself? Imagine being worried about your finances and then going out and spending money. So no, money can’t buy happiness, but it sure can cause trouble when things are tough. If times are tight and I am out with friends and family how much of that time do you think is really spent enjoying the moment and how much time is spent worrying about finances? Out of 100% of maximum potential happiness during those moments, what percent do you think you get when your mind is wandering and wondering about the bills you have to pay?
So my theory is made up of 2 parts essentially. First, that if you have a good handle on your finances you can enjoy your downtime that much more because you are more able to be in the moment when you are with loved ones. Second, you don’t have to make a lot of money to be able to have a good handle on your finances. The second part often baffles people so let me explain because I have experienced it first hand. Good financial management starts with application of two principles. Organization and planning. Whether I make $30,000 or $300,000 or $3,000,000 really doesn’t matter. Bottom line my starting point in general terms is the same at any level of income. Income has to be higher than expenses. How many of us really know this for sure about our own situations? Unless you have actually sat down and drafted a budget, you can’t know. Not for sure and this is where the worries come in. My own direct personal experience has been that when I sit down and start this process I feel better within minutes. The reason is that the cure for the worrying is in the knowing. Worry comes from not knowing what the outcome will be, so our minds speculate and many of us have a natural inclination for speculating the worst. When you have a detailed financial outline in place then you know pretty much exactly what you can afford and what you can’t. Then it’s just a matter of living accordingly. The knowing will lead to a built in barometer for this. When I am spending money I know I can’t really afford to spend I am uncomfortable. When I know that I can afford to spend it, I am at peace and able to live truly in the moment – worry free. When I don’t know whether or not I can afford it, I worry.
So I am going to leave you all with this. Once I know what the conditions are I can change myself to meet the conditions. If I try to change the conditions I will likely only meet with frustration. This doesn’t mean I shouldn’t be ambitious and strive to earn more income – if anything the opposite is true. In fact knowing exactly where I am right now is the best possible starting point for planning the future and then setting and reaching new goals. It goes back to the planning and organization.
There are so many tools out there that you can use to help you keep the information you need organized so that it is easy to create and maintain what you need to find the peace of mind I am talking about. I have re-constructed my own budget at least 3 times this year and each time within a day. Partly because that’s what I do, but also because I am organized and I have everything I need right at my finger tips.