April 2009 Newsletter
Time and Money,
and the lack thereof, are among the most talked about
and worried about topics for most Americans. Yet, compared to
the rest of the world, we have an abundance of both. We don't have
to spend our day hauling water for miles in a bucket so we can drink a
little of it and hope not to get sick from it. We don't have to
watch our children die from preventable diseases, because we are
fortunate to have vaccines available. Some of the poorest people
monetarily are among the most joyful and carefree people. Why is
that? I believe it starts with the attitude of
gratitude. Being grateful to be alive and to have a roof over
your head (even if it is a thatched roof over a dirt floor), and to have
a family, is enough for most of the world to feel and express gratitude.
rebuilds and gets back to basics, I thought you might enjoy this month's
quotes. Whether you are in it for the long haul like Pat Riley or
Thomas Edison, or you love the thrill of the moment like Mario Andretti,
you'll probably relate to one of the quotes in the right margin.
on getting our lives in balance, both with time and money.
With limited resources we need to balance both the use of time and money
to spend it wisely today, and reserve enough to protect us in the
future. Obviously this isn't a new concept, but one that bears
repeating in today's economic climate.
all the best,
is the gradual result of always wanting to do better."
(1945 - )
failed once. It just happened to be a 2000 step
(1847 - 1931) Inventor and entrepreneur
everything seems under control, you're just not going fast enough."
(1940 - ) Race
Constitution doesn't guarantee happiness, only the pursuit of it. You have
to catch up with it yourself."
Benjamin Franklin (1706-1790)
American statesman, scientist & printer
3 Tips Towards Achieving Work/Life Balance
By: Joyce Weiss, Certified Speaker and
The demands on your time seem
to never ease up. We're all struggling to make time for ourselves,
maintain friendships, and keep the spark in our love lives.
How can you determine what you need to be
happier and more productive? Start with these 3 tips to achieve
better balance in your life:
Tip One: Schedule 'me' time.
If it's important to you to do a thirty-minute
workout three times a week, mark it with permanent marker on your
calendar (or as an automatic alert in your electronic organizer!). There
will always be some 'more important' work projects that compete for your
time, but you need to realize that your personal commitments are just as
Tip Two: Realize a temporary lack of balance is acceptable.
Sometimes, you may feel your life is out of
balance. Sometimes it's worth it, like when you go back to school or take
the time to care for a child or parent. If the benefit is
bigger than the drawback, then accept it - because you have a new important,
temporary priority. In time, you can shift back to a better balance with
a new sense of accomplishment.
Tip Three: Recognize the signs of burnout.
When life remains out of balance for an extended
period of time, you can suffer from burnout. Are you as tired when you
wake up as you were when you went to bed? Do the little pleasures
of life fail to satisfy you? Is your productivity waning?
Refresh yourself! It could be something as
simple as taking a weekend vacation ... or as major as changing careers.
The first step is recognizing it, so you can put your life back in
Choose to reap the rewards of a balanced life
today! Determine what your personal and professional needs are and
decide if your work environment is meeting them. If it's not a match,
then review these tips and make the necessary changes. When all the
puzzle pieces of life fit together, you will be a better friend, parent,
employee/employer ... and person.
Joyce Weiss is a world
renowned certified speaking professional and facilitator on employee
performance and group dynamics. She's captivated countless listeners on
radio talk shows, motivated more than 50,000 people in over 500 businesses,
and written for hundreds of publications. She's the author of Full
Speed Ahead and Take the Ride of Your Life! Visit www.JoyceWeiss.com
for professional growth tools and free reports on team synergy and
TIPS FOR ACHIEVING
By: Dave Moody,
Mortgage and Financial Services Professional
balance in today's economy requires more skill than it did 5 years ago, 3
years ago, or for many people, even yesterday. The economy is changing so
rapidly that every day you hear or read about a big company filing for
bankruptcy, laying off workers, or families facing
foreclosure. Every day on radio and television you hear or read
about companies that will magically resolve your problems for you.
What should you do? Develop a financial plan for your family. Most of the
families that do not have a plan often live paycheck to paycheck, or
The most successful people and families know exactly what their
credit, income, and personal expenditures are. For everyone else, a
detailed credit, income, and expense analysis cannot begin too
soon. The next step is to develop a plan.
Often, the best way to do develop a plan is with the help of a
professional. As most first consultations are free, you should take advantage
of their expertise. To make the most of this consultation, please
make sure to take as much personal income, credit, and debt information
available with you.
Choosing the right professional is also important. A person with
training in only one type of product or service will usually only be able
to help you within that framework. Someone who is trained in
several areas can better speak to your overall situation. Choose
your advisors carefully and look for one with experience in dealing
with as many aspects of your financial situation as possible. This
advisor should also be able to help you develop a plan for your credit,
your debt, everyday expenses, emergencies, and how to save for your
David Moody is the owner of CMS Financial Solutions,
and previously owned Credit Mortgage Services. Dave changed his
business focus when more and more clients were in need of credit repair,
debt counseling, and relief from foreclosure than they were in need of
mortgages. Dave received his Associates Degree from the University
of Phoenix and has had additional training from Trans Union, Credit Plus,
H & R Block, WI Academy, and the National Association of Credit
Counselors. Dave's business is located in Southgate, MI and his
clients are located throughout Metro Detroit. For more information,