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[Motivation Monday] How to Ask for Help (and Not Feel Bad About It)

Even though we ask for trivial things every day, the act of asking for a favor, comfort, or help makes a lot of people queasy. It’s difficult to ask for things that require a genuine connection and trust: things that have deeper meaning and expose our human vulnerability.

There’s no reason to stay quiet during hard times.

quote - asking for help with shame says

Our emotions, sensitivities, and, yes, even our imperfections make us who we really are, so why try to hide them from everybody and deal with them only by ourselves?

Trying to be some kind of perfect super woman will create emotional, mental, and physical strain.

People are not perfect and do not have everything figured out all the time, and you know it… so why should you be any different?

If you find it difficult to reach out and ask for help out of sticky situations, keep reading. We’re going to talk about why you shouldn’t stay quiet. If you know someone who tends to shut down emotionally, please share this with them too. We’ll address why it’s important to be open about struggles, how to open up, and when.

Why is it important to open up?

A lot of people shut down and suffer in silence for two main reasons: shame and fear.

When you let those particular emotions dictate what your next move will be and how to live your life, you’re focusing only on the negative and you risk living out toxic patterns. The more you shut down, the more trapped you’ll feel.

As retirement income planners, we’ve seen our fair share of clients who ask for our help feeling ashamed. They talk about their financial situation as if it was some dark secret, and they feel fearful about the future. That’s why one of the first things we do is to reassure them that simply by asking and reaching out, they already are on track to improve their situation.

What could be shameful about that? How is asking for help anything but an honorable and humble act?

As with so many other things, if you struggle with this, make an effort to shift your perspective. Understand that by asking others for help and not staying quiet, you’re acknowledging that no one is an island, and we constantly need one another… and that’s okay.

Culture and society are based on interaction, trust, and our need to connect with others.

How can we open up?

Now that we’ve cleared up why it’s normal and, by the way, completely essential for our growth to need a helping hand from time to time, let’s talk a bit about how to actually ask for something.

To ease yourself into asking for something, think about the times you’ve been asked for help or offered it yourself without even being asked.

  • What compelled you to donate, assist, or do something for someone else?
  • What kind of request usually puts you off?

By asking yourself these questions, you’ll learn what it is that actually bothers you about asking.

Once you’ve done this, you’ll have probably figured out that when the requests are sincere and to the point, you are more likely to lend a hand. So practice that in your own requests.

When a distressed friend trusted you enough to tell you about her relationship issues, did you think less of her? Would you think any less of a person seeking out professional help to overcome addiction or depression? How about an entrepreneur hosting a fundraiser to start a nonprofit organization? In these very different situations, the very act of not staying quiet and asking for help is the key to success.

Consider this: shame and the fear of rejection are mostly in your head and not really in the outside world. So don’t be quiet about your needs.

Dare to show your weaknesses so you can overcome them. Go easy on yourself and remember that others are willing to help.

When can we open up?

It may not seem like it, but there are always people willing to help. We thrive on the sense of belonging to a community and feeling connections.

As a species, we’ve come as far as we have because of our ability to help each other out – not in spite of it!

At any given moment there is always someone who cares about you: friends, family, and communities. It’s easy to adopt a cynical world view, but really, countless professions such as doctors, teachers, coaches, and advisors all studied and invested time and money to aid and encourage others in many different ways. Sure, they make a living out of this, but they could’ve made money a thousand different ways – and yet, they decided to do so by helping people. Don’t shy away from that.

So, when should you ask for help?

The answer is very simple: when you feel like you need it.

Make a mental note of this and always remember that there are people out there who care.
When you stay quiet and keep all your troubles to yourself, it feels like you’re carrying around extra weight all the time. There’s no reason for you to keep such a heavy load on your back when there’s an easier, healthier way.

As you’ve surely guessed by now, we’re not talking exclusively about financial problems here. Apply this philosophy to everything: from relationships to insomnia to overeating. Whatever is adding extra weight to your back… please do not stay quiet and ask for help with it. Always keep in mind that you don’t have to hide who you truly are.

Being open about what you’re going through is not a sign of weakness; it’s a sign of being alive and daring to connect with others.

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[Motivation Monday] How to Stop Worrying and Enjoy Your Life More

It can be so easy to lose track of the present. Without really noticing, days turn into weeks and weeks into months, until all of a sudden you realize that you haven’t made the time to live your life and enjoy yourself. You’ve been so busy working, taking care of the family, making bucket lists, worrying and wearing yourself thin, that you haven’t actually paid any attention to the things that really move you and make you feel passionate about life.

quote - you don't get to choose how you're going to die

In the grand scheme of things, we spend so little time on this Earth that the mere thought of not making the best of our precious time is ridiculous. Why shouldn’t we make some time to be in the present and remind ourselves that – like Joan Baez says – we actually can decide how we’re going to live?

This simple reminder can help snap us back into the present. Even better, it helps us enjoy what we have and keep striving towards what we want, instead of just anxiously thinking about it.

When we can’t fully live in the present moment, it’s usually because we worry too much about the past or the future, and neither option is good for you. Of course, it’s perfectly fine to wonder about how things might be in years to come or to reflect upon your past experiences. The problem arises when that’s all you’re thinking about.

When you’re obsessed with the past and future, you aren’t doing yourself and those around you any favors. Being stuck in the past or only thinking about the future keeps you from living in the moment… which, if you think about it, is the only thing we really have.

If you’ve decided to stop worrying and enjoy your life for what it is, continue reading so you can turn this theory into practice.

Don’t be too busy for the important things.

Pay attention to yourself and the people you care about. Spending time with your loved ones will naturally make you focus on the present. So throw a gathering for no special reason, treat yourself to a fancy dinner, and don’t miss those birthday parties and special occasions. Make yourself present for the important things right here and now.

Pay attention to your senses.

Make everyday activities a full-on sensory experience. Focus on the way your muscles tense up and release as you do your morning stretches, make your daily shower a luscious experience by being mindful about it, savor the different smells while you’re cooking… the list goes on. When you focus on what your senses perceive, you are living in the present.

quote - We're so busy watching out for what's just ahead of us that we don't take time to enjoy where we are

Be prepared.

You’ll feel free to enjoy the present if you’re prepared for the future. Create a fund (an old-fashioned piggy bank will do) where you save some money to indulge in fun things. Sometimes, financial struggles are what keeps us up at night: having a special fund that you can use to create enjoyable experiences or treat yourself to mini-luxuries will save you a lot of worry. You can save and spend at the same time as long as you’re conscious about your cash flow — don’t spend more than what you earn.

Now that we’ve discussed how to enjoy living in the moment, we have to address the other elephant in the room: worry.

Here are some actions you can practice to stop worrying so much.

Deal with the past.

Everyone has regrets, but you don’t have to let them take over.

Thinking about what could have been is a surefire way to feel sad and remorseful. While it’s perfectly fine to reminisce about past events you wish would have went differently, don’t let yourself go overboard and live only in memories. Make a conscious effort to recall what you’ve learned from such experiences and let them go.

Deal with negative feelings from the past and acknowledge that, while you can’t change the past, you can change how you perceive them today.

Don’t let feelings of being overwhelmed take over.

Accept that you can’t control everything.

Uncertainty causes a lot of stress, but it’s also a part of everyone’s lives. The truth is that no one really knows what the future holds for us. There are so many things we don’t have control over that there’s simply no point in letting them overwhelm us. The sooner you admit this, the less overwhelmed you’ll feel.

Contrary to what you may think, accepting the hard truth that we don’t know how everything’s going to play out in the end actually offers us the chance to get working on the things we do have some power over, like our actions and attitude.

Worry and be happy.

Granted, this isn’t actually possible at the same time. There will inevitably be some days that you’ll be stressed out and worried. It happens. So please don’t beat yourself up about it.

Give yourself some time to worry… especially if it gives you a push towards taking action. If you don’t want to worry so much, place limits on your worrying. You’d be surprised at how such a simple idea can make people switch perspectives and focus on finding solutions instead of fixating on their problems.

Set a specific period in your day in which you allow yourself to feel worried and write down everything that troubles you. That way, you can plan what to do about it and you won’t have negative thoughts popping up throughout the day.

quote - Worry never robs tomorrow of its sorrow, it only saps today of its joy

Time is a tricky thing; sometimes it flies by, yet other times it seems to freeze. But right now, let’s honor the moment by enjoying it as much as we can. Let’s make our lives count. If you’re reading this, it means you’re alive… do you need another reason to stop worrying so much and just enjoy it?

Remember, you decide how you’re going to live… so choose now.

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[Motivation Monday] Your Self-Worth: To Blossom or To Wither… The Choice is Yours!

quote - no one can make you feel inferior without your consent

There was once a king who had a great garden full of varied trees, plants, and flowers, which he cared for deeply. One day, he sadly found out that all this plant life was slowly withering. The once-mighty oak confessed it was dying of sorrow since it couldn’t grow as high as the pine tree; the pine admitted it was dying because it couldn’t blossom as roses did; and the roses told the king that they could only dream of being as big as the oak one day.

One thing caught the king’s eye, though: some berries that were happy, juicy, and ripe. Inevitably, the king asked them how they could be in such great condition, given the state of everything else in the garden. The berries replied that they knew that if he didn’t want berries, he wouldn’t have planted them. They knew they couldn’t offer the endurance of the oak, the greatness of the pine tree, or the softness of rose petals. But they could focus on growing and being some amazing berries. So they did the best they could.

And that gesture of love and confidence was so much more that the king ever hoped for.

This is a summarized version of a lovely tale about self-growth and, ultimately, self-worth by Jorge Bucay. He used this tale to encourage people to be true to who they are and to remind them how beautiful everyone is precisely because they’re not like anybody else.

We wanted to share it with you because it carries a message in which we deeply believe: you’re you and cannot be anybody else. Will you let that get you down or will you grow and take care of yourself out of love? In other words, will you blossom or wither?

All of us can identify with those poor plants that let sadness, envy, and longing get the best of them, even though all they needed to do to get what they wanted – to flourish and please their king – was simply to be themselves.

On the other hand, we all have at least some “berry” moments in which we feel proud of who we are and what we’ve accomplished. Focus on those moments every time you’re feeling blue.

Everyone is unique and has different things to offer to the world.

You can, by all means, admire and look up to others, but you couldn’t (and shouldn’t) be exactly like them.

Instead, you can use others as inspiration to dream, explore, and better yourself in whatever way you see fit that is true to your own individuality.

You get what you (think) you deserve.

A lot of times, what really holds us back and keeps us feeling like we’re not enough is a deeply rooted (but mostly subconscious) belief that we don’t deserve what we want or that we’re not worthy of having our own desires.

We have witnessed how people who struggle to manage and organize their finances often have negative thoughts about money and wealth. People assume that they could never be financially stable, build up their savings, or invest in something they’ve always wanted.

At the root of these self-limiting thoughts is the devastating idea that they couldn’t possibly become financially successful… because they’re not worth it. To us, that’s exactly like a beautiful rose feeling sorry about not being as robust as an oak.

Self-worth and financial success are very closely related.

After all, we develop a type of relationship with money since childhood. It’s a mistake to think our relationships — be it with money, friends, partner, or pretty much any other thing — are static and cannot be improved. People can grow and learn. People change, and so do relationships. Thinking about relationships as a fixed thing leaves little room for improvement.

In order to get rid of such limiting beliefs, think of the Growth Mindset.

The Growth Mindset involves actively participating in building and polishing up one’s skillset instead of thinking that those skillset are locked and can’t be improved. It promotes resilience and a positive attitude towards learning.

Its main advocate, Carol Dweck, puts it like this:

“When you enter a mindset, you enter a new world. In one world — the world of fixed traits — success is about proving you’re smart or talented. Validating yourself. In the other — the world of changing qualities — it’s about stretching yourself to learn something new. Developing yourself”

You get what you think you deserve, so work on your mindset and core beliefs and allow yourself to be as successful as you want.

Why should you let your own thoughts limit what you can achieve? Be adventurous when it comes to discovering your talents and developing your skills.

Don’t forget, though, that those same goals we’re encouraging you to achieve should be created independently. It’s your life, so you should be the one calling the shots.

And those areas you need some help with? Those skills you need to improve? Well, channel that Growth Mindset and start taking concrete steps to learn. Forget about other people’s expectations and definitions of success, comfort, and happiness and don’t settle for anything less than yourself.

All you have to contribute to this world (and enjoy it!) is to be yourself. Be like those berries from the story.

Everything you need to live a satisfying, meaningful life is available. The choice is yours.

Are you ready to blossom?

quote - to blossom or to wither- the choice is yours

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[Motivation Monday] The Kindness Cycle – And 15 Ideas to Get it Started

Kindness and gratitude are subjects that we just love to talk about, mainly because when you incorporate them into your life, not only are you adding much-needed positivity to the world, you are also nurturing yourself.

PLJ Income - Choose to be kind over being right and you'll be right every time

Being kind and grateful positively impacts those around you and makes you happier. Studies have shown that people who are generally thankful are less prone to anxiety and depression symptoms. But you don’t really need studies to know this.

Just think about the last time you were kind to someone without expecting anything in return or the last time you felt truly blessed.

How would you describe your mood during and after those actions? If you had to associate kindness and gratitude with a feeling, what feeling would it be?

In a word association game, many people linked kindness with words like compassion, love, and charity. That’s pretty good company.

The act of giving is humble. It promotes social interaction and, even better, it makes you feel good. For these reasons, we are going to tell you how to create a kindness cycle in your own life.

Create a kindness cycle.

Kindness creates a ripple effect, and this one is all about positivity and hope! When you perform a sincere act of kindness, no matter how big or small, people around you will be influenced by it and possibly perform other acts of kindness by themselves.

All of this may seem a bit cheesy, but it’s absolutely real. Much like when someone’s laugh is so pure that everyone in the room feels the joy and starts to laugh as well, when you act out of kindness, you inspire others to do the same.

Usually the more kindness you practice, the more productive and appreciative you’ll feel. There’s just something about being of service to others that triggers positive feelings and thoughts. It makes us feel connected to one another and capable of giving love.

Kindness is wealth.

Kindness doesn’t have to cost a penny, but it does make you rich. Realizing just how much abundance you have now will give you the motivation to improve yourself in all aspects, including your economic situation.

If you’re satisfied with what you have, you won’t feel the need to buy and spend more.

If your financial needs are covered, you will be less stressed and thus more receptive of your spiritual needs. If you don’t have to worry about making ends meet in the future, you will have more time to enjoy the present.

Sure, money isn’t everything, but it also isn’t the villain of the story, like some people make it out to be. Like spiritual guide Osho said: “If you are happy and you have money, you will become more happy. If you are unhappy and you have money, you will become more unhappy because what will you do with your money?”

When you treat those around you (yourself included) in a generous way, you’ll see how the cycle starts. We’re not talking about the law of attraction here. We’re talking about a conscious decision to enjoy giving and treating others with dignity.

Kindness can completely turn a day around. We all have bad times and we’ve all been through some rough battles. Being able to face challenges with a gentle spirit makes us stronger and wealthier.

Kindness transforms into wealth: literally and figuratively.

Giving requires boundaries.

We firmly believe that kindness makes a difference. However, the act of giving – like pretty much everything else – requires healthy boundaries.

If you give and give and give without any regard for your own wellbeing, you’ll end up feeling spent and unappreciated. Sometimes we need time to recharge, and sometimes we’re the ones who need to experience someone else’s kind acts to activate the cycle.

Please do this out of joy rather than expectations of getting something back, which is a sure way to create resentment and harvest unpleasant feelings. Be as generous as you can as long as it feels right for you. Always remember that before you help others, you must first help yourself.

How to start the cycle.

So how can you incorporate more kindness today?

Here are just some of the easiest ideas we came up with, but please do feel free to continue this list (and pass it on).

– Volunteer. At an animal shelter, a food bank, or any other charity. You can make a contribution by offering more than money; you can offer time, compassion, and expertise.

– Compliment someone and really mean it.

– Leave a generous tip.

– Offer your best advice on an online forum.

– Leave a great online review of your favorite local restaurant.

– Write a letter to a friend, family member, or partner and get specific about all the things you love about them.

– While you’re at it, write yourself one of those letters too. Self-compassion matters.

– Always say “please” and “thank you” – you’ll be surprised at the happiness this can create.

– Make a special playlist and dedicate it to someone.

– Apologize when you make a mistake.

– Be present when you meet with somebody. Leave your phone in your purse or pocket.

– Bake some healthy treats and give them away at a children’s hospital.

– Visit a nursing home and share stories with seniors.

– Forgive a person who has harmed you and let go.

– Smile.

Start the kindness cycle!

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[Motivation Monday] Why You Should Redefine What Success Is

When it comes down to it, everybody wants to be successful. Whether discussing career plans, relationship goals, financial status, or dozens of other things, the word success tends to appear quite often.

But what exactly is success?

The most basic dictionary definition is this: success is the achievement of desired results. Sounds kind of dry, huh?

It takes just a bit of life experience to understand that success is actually a very subjective concept. Sometimes, even when we’ve achieved some of our goals, we don’t actually feel successful. This usually happens when we buy into another person’s definition of success, rather than creating our own.

Here’s the main reason why you should redefine what success is to you: following a standard definition of success can end up making you fail.

Sure, we all have had a couple (or even multiple!) failures, and there’s nothing wrong with that. Failure is part of life. The problem arises when you’re trying to fulfill someone else’s expectations and when you aspire to become successful under their own terms and conditions.

This leads to setting you back on your true personal goals. That’s not the type of failure that ultimately teaches you a lesson and leaves you feeling wiser; that’s the kind of failure that can drain your confidence little by little… and that is something you can definitely avoid.

You’re you. You’re the only you there is, so why should you follow someone’s cookie-cutter idea of success? Redefine what success means to you.

Here are three steps that can help you create your own version of success.

1. Get personal.

Take some time to yourself and contemplate the things that would make you feel successful. Since this is such a broad concept, breaking success down into categories can go a long way in helping you to feel clear about your goals.

– So, ask yourself: What would make me feel like I’ve succeeded professionally?

Be specific and plan it out. Apply for that job. Take that advanced course you’ve been meaning to take forever. Go for it! Most often than not, it’s only you who’s standing in your own way to greater things.

– On to the second question: What would make me feel like I’ve succeeded financially?

Maybe it’s getting out of debt, taking your business to the next level, or finally improving your relationship with money and learning how to budget properly. Getting clarity on what financial success is to you is extremely important, because when you learn how to handle your income and savings, you’ll be able to pursue whatever other activities your heart and soul want in a calm state of mind.

Overnight success just doesn’t happen. Getting financially fit will allow you to have access to the tools and skills you need to achieve anything you want.

– Finally, ask yourself: What would make me feel successful in my own personal life?

What makes your heart sing? From cooking a new dish to learning how to play a musical instrument or hosting a monthly friends-only gathering, do whatever will make you feel great. Don’t worry if your goals sound small and your dreams don’t seem as big as someone else’s; life’s greatest moments are in the little things.

On the contrary, don’t put yourself down if your goals seem impossible. Remember that a lot of things wouldn’t get done if it weren’t for the big thinkers and dreamers out there.

Whatever your goals are, please keep in mind that it’s not their size that will make you feel successful. What will give you that sense of accomplishment is the knowledge of what you truly want and the journey towards achieving it.

2. Challenge your mindset.

Don’t let limiting beliefs hold you back. Challenge your negative thoughts and tune in into a helpful mindset instead.

Psychologist Carol Deck has written about the growth mindset. “Channeling into the growth mindset” means believing in the idea that intelligence, character, creativity and opportunities don’t come in fixed amounts. Each person has the ability to nourish and grow all these wonderful things because such human characteristics are dynamic.

Imagine taking the bumps in the road as little challenges that will give you the opportunity to grow as a person. That can really change your outlook towards life.

Having a growth mindset means that you can learn how to succeed at whatever you want. So forget about the “I’ve never been good at…” or “I’ve always wanted to but I don’t think I can” way of thinking. You can continue to develop and improve your personality, just like pretty much every other trait.

Next time you catch a limiting thought blocking you, challenge yourself and tune in into the growth mindset perspective instead. We humans have the ability to learn and create without limit. Take advantage of that.

3. Invest in yourself.

Without a doubt, the best investment you’ll ever make is in yourself. Once you’re clear about what you want, make an investment. You know things won’t magically happen. Leaving the course of your life to blind luck will – at the very least – significantly decrease your chances of succeeding.

Invest money in yourself, whether you take courses, read books, change your look, get coaching, or whatever else you decide on. If it’s well thought-out and the desire for it comes from deep within you, it will pay off.

Invest time in yourself. Stop procrastinating and go after your hopes and dreams. Handle it the best way you can and it will always pay off.

To invest in yourself means that you believe in your life’s project. Take that leap.

It’s time to put it all together now.

You’ve identified specific things that would make you feel successful in three main areas of your life: professional, financial, and personal. Review your answers and see if some things overlap, checking for any patterns that may appear. Use all the information you can and (yes, you’ve guessed it) redefine success.

PLJ Income - There is only one success - to be able to spend your life in your own way

Be honest: are you ready to step out and live the life you know you’re meant to?

A good way to start is to redefine what success is to you.

Don’t forget – that very definition you’ve created can change over time, too. People change and so do goals. Don’t be afraid to redefine success any time you need to, just make sure that when you do so, it comes from a loving and adventurous place.

Once you really know that you don’t have to follow one else’s path but your own, you’ll see how things start getting clearer.

Only one question remains: How are you going to spend your life?