"The two rules of procrastination: 1) Do it today. 2) Tomorrow will be today tomorrow." Vincent T. Foss
Susan Daley was a successful entrepreneur selling promotional products. She enjoyed making decent money while having the flexibility to work at home. Susan recently took over a colleague’s account, a huge growth opportunity. So why did she spend her mornings playing solitaire in her messy office rather than making phone calls to prospects?
To procrastinate is “to put off doing something”, or “to postpone or delay needlessly”. Sometimes we avoid doing the tasks that must be done because they are unpleasant or boring, or because we have poor time management skills or are lazy. And yet, often it is the tasks we most want to do that we put off, resulting in much internal pressure.
In Susan’s case, she loved building relationships with potential clients, helping them to better serve their customers and employees, and making a good paycheck to support her family.
So what was going on?
Awareness is the first step. Think about your excuses for not accomplishing your goals. Everyone has his or her own pattern of procrastinating. Here are eight examples:
- Fear of change, rejection or failure
- Need to be perfect (I can’t do it perfectly so I won’t start)
- Lack of time
- Too much stress, pressure or anxiety which leads to paralysis
- Overwhelm on how to start (task is too big, don’t know how to do it, etc.)
- Self-doubt or lack of confidence
- Disorganization, indecision
- Other priorities, big (work/family crisis) and little (need to check email first!)
Do these excuses sound reasonable and logical? That’s often the case. The problem is that if you buy into the excuses, you don’t follow-through on the steps needed to achieve your goals. Procrastination can feel good in the moment, but then creates stress. This becomes a vicious cycle.
The way to get started is to quit talking and begin doing. Walt Disney
Getting into action alleviates the stress of procrastination almost instantaneously.
Here are the five simple steps:
1. Identify the task to be done
2. Identify the first or next step to accomplish the task
3. Commit to a time when you will begin the first step
4. Be aware of your pattern of excuses
5. BUT begin the first step in collaboration with the excuses
Susan outlined the steps needed to organize her files and her office to have ready access to client information. She set daily and weekly goals for contacting prospects and clients. Working with a coach provided the structure and accountability to stay in action on these tasks. She developed strategies to counteract the fear of rejection that was fueling some of the procrastination.
Don’t worry about eliminating all the excuses, or analyzing too much why you are procrastinating. Getting into action actually reduces the grip of the inertia and overwhelm of procrastination. As Susan found, it can be helpful to have partners and strategies to keep the excuses at bay.
You’ll feel more confident and relaxed as you experience the success of reaching your goals. You gain momentum and if you begin the task again and again, you WILL ultimately achieve it.
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Common TermsThe two most common terms in insurance are premium. The amount paid on a scheduled basis for your coverage. And deductible, which is your out-of-pocket expense before the insurance pays your provider. For instance, you might pay $300 premium per month for family coverage. Your deductible might be $250 per person. This means if you broke your ankle and went to the hospital emergency room, you would pay the first $250 of the bill. Two other terms that are part of health insurance are max-out-of-pocket and co-insurance. Max-out-of-pocket limit is the maximum amount of money that you will spend on your health insurance. Be careful some policies have a limit as to the amount of insurance you can use in one year. Co-insurance is the percentage of cost you pay between the deductible and the max-out-of-pocket. Think of health insurance in these three parts, and your questions will be answered. First, you pay all health care costs until you reach your deductible. Second, you pay a percentage of your health care costs until you reach your max-out-of-pocket. Third, you pay nothing for health care (unless your plan says otherwise).
OptionsYou can purchase very basic catastrophic coverage, which would carry a very high deductible and the premium would be less than comprehensive coverage which would have a higher premium and lower deductible. It pays to invest the time to investigate various insurance options, taking into consideration your age, your general health and the health of your family members. Employers can offer group health insurance. It is most likely the least expensive option for you, and usually the premium is deducted from your paycheck. Health insurance is a calculated risk; can you afford the premiums? Or, are you willing to risk paying less out of pocket for medical expenses in a year than the premiums would cost? Consider carefully.
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What are hobbies?Hobbies are something that you enjoy doing, it could be collecting coins, dolls, hot wheel cars, stamps, knitting, more less what ever you enjoy doing. When you enjoy doing hobbies, you spend not all of your extra time doing them and you think about doing anything else. Like getting into trouble. Some people may make their work is their hobbies this could be working on cars or heavy equipment to semis they enjoy it so much they are always doing it no matter what when some of us want a break from work so we do something else that we enjoy doing. We all have different hobbies and different ideas of what hobbies are. Some people make fishing and hunting their hobbies.
Does hobbies cost a lot of money to get started?Hobbies can get very expensive. Then other hobbies do not cost hardly anything to do. Like collecting coins can get very costly. If you can’t afford to put money in on a hobby maybe you should try to pick one that does cost a lot like knitting or something to do with crafts there are a ton of things you can do that don’t cast nothing. Hot wheel cars only cost around a dollar. Perhaps you can spend time in shops looking at hot wheels, purchase one and go back each week to purchase another. Hot Wheel cars in time will become collectors items. In fact, the cars are already collector items, i.e. some are.
How do I get started with my hobby?You have to decide what you enjoy, things that interest you like maybe collecting coins, or stamps or maybe you want to learn the history on them so this can be a good hobby for someone. Maybe someone likes to work with yarn and make things so that may be some one-hobby knitting or crouching. Maybe some one likes to work on cars and that is a hobby of theirs. There is no real way to get started other then doing it and deciding what you want to do as a hobby. So remember when you want to get your mind free of stress or do not want to get into trouble. Sit down and try to figure out what you what to do for a hobby. Perhaps you will want to write them down and pick out the one you think you would like. There is nothing wrong with having more then one hobby or later on deciding that you don’t want to do this after all and find another one. Just remember hobbies can help you improve your life by helping you to stay out of trouble and keep your mind clear of things so you can think more clearly. Other hobbies included doll collecting. The older porcelain dolls are a common collectors item you may want to consider. You will find a wide variety of dolls online at Ebay stores and so on. In addition, you will find the dolls are various collector stores. To learn more about hobbies go online and review the different items collected, so that you can decide what hobby is best for you.
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More Than One ChoiceThe choices are – sole proprietorship, partnership, limited liability partnership, corporation, C corporation, S corporation, and LLCs. Sole proprietorship provides the least protection while corporations and LLCs offer limited personal liability for debts or judgments against the company. When creating your entity, you should use an attorney to create written documentation of the entity’s organization and structure. Your attorney, accountant or CPA can advise you of the legal and all tax consequences of your choice. Doing a little research prior to contacting a professional will reduce the time spent with an expensive professional. Do your due diligence to protect yourself and your family.
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ComprehensiveMost insurance policies, will vary in what treatments they cover and how much they cost. There can be more expensive policies that will give you greater benefits and allow you access to a greater range of services, cheaper ones will be restricted in what they cover and you will be required to contribute to the cost of procedures you require. If you will need dental surgery, oral implants, or other more expensive forms of treatment, you will want to go for a more comprehensive policy. One main difference between medical and dental health care is that children generally require more treatment than adults do. This is true right up through your child’s teen years. This is when orthodontists’ bills can often be extremely expensive. You may wish to cover only your children with dental insurance. You should check with your insurer to see if insuring only your children is possible. While some insurance companies will allow children to have their own dental insurance policies, others will only insure them as part of an adult or family plan. If this is the case you will require to insure them with your own dental insurance provider and this may mean taking out dental insurance for yourself if you do not already have it.
DiscountsAnother option offered by some insurance companies is to take a form of dental discount card. This is not dental insurance in the strict sense of the meaning but does provide you with discounts on dental treatment when you require using them. They can be a cheaper way of obtaining limited protection against dental costs. For this reason are growing in popularity. These dental plans are also called value plans with the insurers. Not all insurers will provide them so shop around and see what’s on offer. There are great differences in what you will be offered for your money. Considering that dental insurance can be a significant expense, it is wise to make sure you know what is available before you decide to opt for any policy.
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What Do You See?
One of the most difficult parts of goal achievement is simply getting started. It’s easy enough to dream and plan, but many people get stuck in this phase indefinitely and avoid taking action. Planning and dreaming might make you feel like you’re doing something about your goals, but if you never actually take a step forward you’ll never achieve them. In order to see measurable progress and start your momentum, you have to step out of your comfort zones and take action.
When you finally do gather your courage and begin moving forward, what usually happens? You realize it’s WAY harder than you thought it would be, right? It feels like you’re trying to run uphill. You keep tripping over obstacles, facing setbacks and delays, dealing with fear and anxiety, and fighting a daily battle to stay motivated.
It’s during this difficult phase that most people give up. They decide that “it isn’t meant to be” right now, so they set their dream aside and vow to try again later. Or worse, they resign themselves to a mediocre life because they don’t believe they have what it takes to succeed. They’ve “failed,” so they’re not going to try any more.
You Are Not Alone
Have you done this? Most people have!
However, this doesn’t have to be the end of the story. You can pick up your dreams, dust them off and try again. But this time you should know about a little something called Momentum.
You see, the difficult phase I just described is what happens at the beginning when you’re trying to gain momentum. Most people quit during this phase because they think it’s ALWAYS going to be this hard. What they don’t realize is that every effort they put toward the achievement of their goals will build on the previous efforts. With every step forward the process gets easier and easier. Finally, they’ve put so much energy and effort into the process that momentum begins to take over. Suddenly they realize that they don’t have to push so hard to keep moving forward. It becomes fun . . . even easy to achieve their goal.
This same experience can be yours! All you have to do is keep moving forward. Keep working toward your dreams and never quit. Momentum WILL take over eventually!
What Can You Do?
If you want to get momentum working even more quickly for you there are a few ways to do it, but they can be summed up in one sentence:
Be willing to work harder, faster and take bigger risks than you have in the past.
The reason why momentum can be delayed sometimes is because many people take very tentative steps toward their goals. They’re afraid to really give it their all, so they hold back much of the energy and power they could be devoting toward their goal. Even if they’re not aware of it, they may feel more comfortable working at a slower pace, so they avoid taking big risks and instead take baby steps.
There’s not a thing wrong with this approach if it suits you! However, if you want to make faster progress and build momentum quickly, think about taking bigger steps and giving your full energy and focus toward making it happen. By doing so, you’ll push through the difficult beginning and find yourself coasting before you know it.
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3 OpportunitiesFirst, is that businesses can see more competitive rates. For example, the merchant services company I work with guarantees the lowest rates or they give you $1000. For big businesses, even 1/10th of a percent will mean thousands of dollars in savings that they can use in a variety of ways. Second, they will see that the transition and the ability to make changes are very easily made. This is done because merchant service businesses are eliminating the middleman. And they are going directly to the card carriers. Small businesses have opportunities to change from one plan to the next easily. Companies love this flexibility as their company develops. Third, they should begin to see, specialization software based on the industry they are in. Sole-proprietors’ have an opportunity to customize processing software to their needs. Your industry, whether a photographer, graphic designer, online seller, cosmetologist, esthetician etc. will benefit greatly from these changes. As you can see this information is very game changing for small business owners, sole proprietors, and also big businesses. Keep these in mind as you think about your merchant services. If anything sticks out that you have a question on please reach out to your current carrier or reach out to my team and we would be happy to answer them.
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Have you ever held back on doing something because you were afraid of failure? Most people have! Let’s face it; no one likes to fail. None of us likes to feel like we’re ineffective, weak or lacking in any way, and that’s exactly how failure makes us feel.
However, you may be surprised to know that failure doesn’t exist – until YOU say it does. In the dictionary, failure has several definitions: 1) a failing to do or perform 2) a state of inability to perform a normal function adequately 3) a fracturing or giving way under stress 4) a lack of success.
Look carefully at those definitions and you’ll probably realize they have one thing in common when it comes to goal achievement: failure is a PERCEPTION.
If you believe you have failed, then you have. Also if you believe you don’t have the ability to succeed, then you don’t. And if you believe you can’t handle the pressure of achieving your goals, you can’t. Finally if you believe you’re not successful, you aren’t. Failure only exists in your own mind! The moment you decide to give up or stop working toward your goals, failure is born.
But what if you never do that? What if you continue working toward your goals, one step at a time for as long as it takes? There’s no failure then, is there?
This insight should be very encouraging if you’ve been working toward goals and not yet seeing positive results. Simply keep going and you cannot fail!
Here are three tips to help you stay strong and focused on your goals:
1) Never give yourself an out. Most people do this without even realizing it. They are willing to work hard on achieving their goals, until the going gets too rough or their motivation dwindles. Don’t do that! Commit to making your goals happen, no matter what! Never quit, never contemplate admitting failure, and never lose your inner determination.
2) Don’t get hooked on a specific time frame for completion. It’s okay to set a general timeline. Just be aware that some circumstances will be beyond your control. So you can’t say for sure when your goal will be achieved. If you do that, you’re just setting yourself up for failure! Instead, get a general idea of when you’d like your goal to be completed. Then take it a day at a time and focus on making progress, not reaching the finish line in as little time as possible.
3) Finally, be sure that you don’t view obstacles and setbacks as failures. The two are completely different. An obstacle, setback or delay means only one thing: it’s not time for your goal to be completed yet. That’s it! It doesn’t mean you failed; doesn’t mean you’re weak; and doesn’t mean you’ll never achieve your goals. It means you’re not done with your project yet. You’ve got to keep moving forward and find a way around or through the obstacle.
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Are you currently unhappy with your job or with your employer in general? If you are, you may have considered changing jobs. With that in mind, if you depend on your paycheck to help pay your bills or to help support your family, you may be unsure as to whether or not a job change is really in the best interest of you and your family. If this is something that you have asked yourself before, you will want to continue reading on.
When it comes to determining whether or not you should change jobs, there are a number of important factors that you will want to take into consideration. These factors are important, as no two situations are the same. Different individuals rely on their paychecks for different things. That is why it is advised that you examine the factors outlined below and then use them in your own, personal, situations.
One of the many factors that you will want to take into consideration, before deciding if you should change jobs, is your current job’s pay. Do you think that you receive a fair salary? If you do, do you know that it may be difficult for you to make the same amount of money elsewhere? Unless you are lucky enough to receive a job in upper level management, you may find yourself right back at the bottom of the ladder, having to work your way right back up. For that reason, you will want to first take your current salary and compare it the salary that is being advertised with job openings that you can find in your local newspapers or online.
Health insurance is another factor that you will want to take into consideration, when deciding if you should change your job. Do you currently rely on your job for health insurance, either for yourself or for your whole family? If you do, this is definitely a factor that needs to be taken into consideration. Yes, you may be able to purchase health insurance for yourself or at least an extension of your coverage, but you should know that this can get quite expensive. With that in mind, should you still decide to switch jobs, you may want to schedule all of your doctor’s appointments before you do so, just to get everything in order. If your current coverage includes dental and vision coverage, you may also want to make these appointments too, just in case.
The current job outlook is another factor that you will want to take into consideration. If you are looking to change jobs, do you already have a new job lined up? If you do not, you will want to at least make sure that there is a good chance that you can seek employment elsewhere. In most cases, you are unable to collect unemployment payments if you leave your job on your own terms. If you have a family to support or if you rely on your income to pay important bills, like your rent or mortgage payments, you may want to have a backup plan in place.
In keeping with the current job outlook, you are advised to examine all job openings in your area. What you will want to do is examine any required training, work experience, or education. Unfortunately, many individuals realize too late that they are unqualified for their dream job. This is something that you do not want to do. Instead of assuming, you can easily examine the average job requirements by examining all available job openings in your local newspaper or online. If you do not have the necessary training, you may want to consider enrolling in a career training course, as they may be able to improve your chances of finding a new job.
The above mentioned factors are just a few of the many factors that you will want to take into consideration, should you be interested in changing jobs. Of course, the decision to seek employment elsewhere is your decision to make, but, with something this important, you are advised to proceed with caution.