Crash Course in Personal Development
Personal development is the essentially setting yourself up for the best possible life. There are many facets of personal development that are helpful to reaching that goal. Personal development can be used to better understand yourself, your job, your relationships,...
5 Ways to Stick to Your New Years Resolution All Year
As a new year makes its unsolicited entrance, humanity leaps at the opportunity to revel in their new lease on life. Unfortunately, the desire to cultivate one’s character comes just as quickly as it goes. Here are some tips and tricks that’ll help prolong the short-lived resolutions peculiar to new years.
Settle On A Feasible Resolution
Making audacious promises and seemingly insurmountable commitments will only pave the way to failure. If one wishes to set themselves up for success, establishing sensible, attainable, and surmountable resolutions are paramount. While a drastic and rapid weight loss may sound desirable, the final result mustn’t demand such unreasonable requirements. In essence, foreseeable outcomes stem from sound logic and practical promises.
Be Forthcoming About The Experience
When transitions of any magnitude occur, it’s best not to undergo them in a vacuum. Though it’s not necessary for one to divulge their innermost thoughts, engaging with others will facilitate the process and help keep one accountable for their actions. Above all else, allowing others to bolster confidence and boost morale bodes well for a favorable outcome.
Don’t Borrow Trouble
When attempting to stick to resolutions, the adverse behaviors inherent to human nature are especially detrimental. With that said, it’s imperative that one abandon their predisposition to focus on the negative. One trifling setback won’t sully the entire process, so be sure to remain steadfast in your commitment, and refrain from borrowing trouble from tomorrow.
Less Is More
While fully dedicating oneself to change is admirable, it’s ultimately ill-advised. Behaviors are adopted, nurtured, and upheld, making it exceedingly difficult to banish them. So, it’s best to ease into the shallow end as opposed to plunging into the deep one. Committing to one modification at a time is conducive to an effective transformation.
Account For Inevitable Obstacles
As one’s resolutions begin to take form, hindrances will inevitably arise. Though the nature of these complications is unknown, the crucial component is to remain unperturbed by such difficulties. Uncertainty is the very hallmark of change, so it’s essential to bear this in mind as one forges ahead with their resolutions. Trust the process, remain resilient in the face of adversity, and greatness will follow.
How to Get Out of Credit Card Debt
At one point in time, a vast majority of people will experience the dread that is credit card debt. While it’s not enjoyable, there are lessons to be learned and tools to utilize to get out of that debt. Even though there are tools provided, they have to be used in the correct way. Here are some of the most common ways to get out of credit card debt.
Evaluate Finances
You should begin by creating a list of everything that you owe. This list should include credit card debt and any other monthly bill such as the electric bill, auto insurance, or the cable bill. Included with your credit card debt should be the balance and APR for each of your credit cards. Seeing each cards APR will allow you to take a step back and assess which payoff strategy will work best for you to reduce your debt. The next step would be to compare your debt to your income. This will help you prioritize your spending.
Prioritize Spending
Once you’ve gotten a better look at your financial picture, you can see which areas you need to pay attention to most when it comes to spending. You should be covering your basic needs first such as housing, food, gas, etc. After that, pay at least the minimum on your secured credit lines. Then you can focus on your unsecured credit lines. While you have your financial picture in front of you, it would be a good idea to consider in your student loans as well. This helps you set up a strategy to pay off your debt.
Set Up a Strategy
There are three methods to paying off your debt known as the avalanche method, the snowball method, and the blizzard method.
- Avalanche Method
This method involves paying off the debts with the balances with the highest interest rate first. This is done to erase your debt as quickly and efficiently as possible. You would pay the minimum on your cards with the exception of the one with the highest APR. You would pay the minimum plus any extra you can afford on the highest APR. This is to eliminate the debt as quick as possible.
- Snowball Method
This method is similar to the avalanche method but it involves paying the cards with the smallest balances off first. You would make the minimum payments on all cards and any extra payment you can afford you would make on the card with the smallest balance.
- Blizzard Method
This method actually combines both of the previously mentioned methods. You would start by paying off the smallest balance first and then paying off the highest-interest balance.
If these methods don’t appear to help you, there’s always the option of seeking help in the form of a credit counselor. People can and do get out credit card debt. It just takes a little more effort than some are willing to put forth. In the end, the effort is a much bigger reward when you get out of debt.
About Prosperity of Life
Prosperity Of Life creates popular personal development courses and seminars to help people transform their lives from the inside out. Personal development is our passion. Personal growth is significant in every success journey and this is the premise of Prosperity Of Life. The Founders of Prosperity of Life are successful entrepreneurs who also offer an online business opportunity based on their collective experience of wealth creation and business success in the personal development industry.
Prosperity of Life’s mission is to help people achieve success and gain financial independence by providing effective self-educational products and events that enhance confidence and grow self reliance. We believe that the individual has the ability to realise their inherent potential and live a life of personal fulfillment. Specifically designed for maximum profitability in the shortest space of time possible. Earn profits, bonuses, leverage and residual income from multiple sources.
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