Category Archives: Finances

Seeking financial health is a constant process in life but it need not consume you. A sensible strategy, patiently followed, will yield peace and security for you and yours.

It’s NEVER too late

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It’s never too late. It’s never to late to start the career you’ve always dreamed of. It’s never too late to confess your love to the one who got away. It’s never too late to make changes in your current relationship(s). It’s never to late to try something new. It’s never to late to pursue, dream, or imagine. For life is full of surprises everyday. And, I believe, miracles still happen today. But we have to be willing to go out of a limb and take hold of the unknown. We need to be proactive rather than passive. We need to be bold, courageous, and take the chance. Sure, there’s no guarantee how life will turn out but at least you were willing to embrace all life had to offer without regrets. Here’s to beautiful beginnings and surprise endings. Fulfill the destiny you were meant to live.

©2013 Susie Lee

It's never too late

Promise Yourself. Everyday.

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Promise Yourself

Count Your Blessings

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With US Thanksgiving Day right around the corner, I thought today’s post would be quite fitting. Let’s celebrate our blessings 365 days rather than just 1 day of the year. Here’s to you and your loved ones during this Thanksgiving Day.

©2012 Susie Lee

Key to Lifelong Success

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“I’m utterly convinced that the key to lifelong success is the regular exercise of a single emotional muscle: gratitude,” writes Geoffrey James in his Inc. Magazine article, “True Secret of Success (It’s Not What You Think).”

“People who approach life with a sense of gratitude are constantly aware of what’s wonderful in their life. Because they enjoy the fruits of their successes, they seek out more success. And when things don’t go as planned, people who are grateful can put failure into perspective.

“By contrast, people who lack gratitude are never truly happy. If they succeed at a task, they don’t enjoy it. For them, a string of successes is like trying to fill a bucket with a huge leak in the bottom. And failure invariably makes them bitter, angry, and discouraged.

“Therefore, if you want to be successful, you need to feel more gratitude. Fortunately, gratitude, like most emotions, is like a muscle: The more you use it, the stronger and more resilient it becomes. The best time to exercise gratitude is just before bed. Take out your tablet (electronic or otherwise) and record the events of the day that created positive emotions, either in you or in those around you.

“Did you help somebody solve a problem? Write it down. Did you connect with a colleague or friend? Write it down. Did you make somebody smile? Write it down.

“What you’re doing is “programming your brain” to view your day more positively. You’re throwing mental focus on what worked well, and shrugging off what didn’t. As a result, you’ll sleep better, and you’ll wake up more refreshed.”

Article from Exchange Everyday
© 2012 Susie Lee

Poste of the Week | Happiness is a choice. Choose happy.

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If I Don’t Start, I Don’t Have a Problem

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I love reading books especially the ones that are filled with pockets of wisdom for everyday living.  Today, I’d like to give you a simple and practical tool from Magic Words – 101 Ways to Talk Your Way Through Life’s Challenges.  Thank you to my good friend, Nisha, who recommended this book to me!

(Magic Words #31)
IF I DON’T START, I DON’T HAVE A PROBLEM

Betcha can’t eat just one: that old potato chip commercial definitely hits a very deep nerve.  Think Ben & Jerry’s, M&M’s, whipped cream, French fries, triple chocolate-chip cookies…even pickles.

Jeri, a newspaper reporter, was working on an important investigative piece on a labor racketeering project.  Since she was on a tight deadline, she found herself getting takeout lunches from the gourmet shop next door to her office.  For the first week she stuck to her usual turkey sandwich or tuna-from-a can with Diet Dr Pepper, but then she spied a row of large round glass self-service containers of nuts and dried fruits behind the deli area.  Knowing she had a weakness for unsalted cashews, she stayed away.  But one day, just as a special treat, she scooped a handful of jumbo nuts into a plastic bag.  The next day she was back, snapping up some more.

A week later, she was eating cashews for afternoon snacks and popping a few on the subway ride home.  Two months passed, and she’d gain seven pounds plus a couple more from overdosing on morning Danish and wolfing down chunks of Taleggio cheese with an evening glass of wine.

We told her about Dr. Stephen Gullo, a well-known weight control expert who would be able to help her quit the cashew habit.  She made an appointment with him for the following week.

Jeri’s problem is a common one.  Many of us, according to Dr. Gullo, have “trigger foods” that activate a “can’t resist” process.  Potato chips are a great example.  Ice cream, bread, cake, and cookies are all culprits, as is almost anything that contains chocolate.  How do you stop the process?  Dr. Gullo prescribes these magic words: If I don’t start, I don’t have a problem.

Jeri wrote them on a piece of paper, which she Scotch-taped to her change purse.  If she surrendered to her urges and loaded up on cashews, when she reached the checkout counter she’d give them back to the cashier.  If she was at a party and a bowl of nuts came into view, Dr. Gullo advised that she move out of range immediately and repeat the magic words to herself.  At the end of three weeks, Jeri had shed half a dozen pounds and was well on her way to zipping up her Levi’s again.

Dr. Gullo’s magic words also work for problems that don’t involve food.  For instance, it’s easy to start complaining in today’s stressful employment climate – the boss is inaccessible, the hours are excruciating, the pay is unfair, blah, blah, blah.  Complaining begets more complaining and inevitably the boss finds out who started the griping, so it’s bad for the complainer – and for general morale.  A lot of people have a tendency to air grievances around the water cooler.  If you’re one of those who sets up a negative situation, do yourself a favor and say “If I don’t start…” and you and your co-workers will steer clear of a common problem.

Nagging is another prime area where “If you don’t start” has a positive effect.  Unfortunately, women have been stereotyped as naggers, though in many cases they nag for a good reason.  Men nag too.  We think it can easily be stopped by changing the magic words slightly, to “If I don’t start, WE don’t have a problem.”

From nachos to nagging, cashews to complaining, the best approach to stopping something you shouldn’t be doing is not starting in the first place.

-Magic Words – 101 Ways to Talk Your Way Through Life’s Challenges
by Howard Kaminsky & Alexandra Penney (pg. 87-89)

Giving Something Up in Exchange for Something Greater

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Around this time of year, many Christians and Catholics from around the world observe Lent. They choose to abstain from certain foods or pleasurable activities for 40 days leading up to the single most important event of their faith, the resurrection of Jesus Christ, otherwise known as Easter. Some popular choices include, giving up desserts, taking time out from social media, refraining from deep fried foods, being caffeine-free or simply unplugging the TV… I know it sounds absurd, why would anyone want to give these up? It’s an annual spiritual pilgrimage believers go on to grow closer to God and grow stronger in their faith. So instead of surfing on their iPhone they might use that time to read their Bible or write in their journal. Or when tempted to reach for the sprinkle colored donut, they might see it as a reminder to pray for family, friends or the world around them. This may be a foreign, even strange, concept to those who aren’t familiar with Lent.

I believe this practice of ‘giving something up in exchange’ can benefit anyone. Your exchange may not be for spiritual reasons but you can make it deeply personal and meaningful. It can be giving up something tangible like your late night snacks to the intangible like a negative attitude? Or instead of giving up, why not take something on? Encourage a person everyday, ‘ungrudge’ those grudges, look on the brighter side of things, read to the elderly, become a Big Brother or Sister, write that book or take that class?

Over time, this practice will de-clutter the mind and create more space within the soul to grow. It will help you to focus by letting go of things that slowly steal your time or letting go of attitudes that unconsciously hold you back. I’m not advocating that vices are bad but I believe, sometimes, they have an invisible hold on us. How strong – only you would know. I’m confident that you will feel and see a difference within 40 days. If you’ve decided to take up this challenge, I would love to hear how your journey’s going – where it’s taking you and where you are.

I’ve heard it takes 21 days to break a habit and 30 days to retrain a new one. Hmm… This sounds vaguely like the New Year’s resolutions doesn’t it? And while we’re on that topic, how’s that going for you these days?

© 2012 Susie Lee

Quotes of the Week: Do It Now!

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“What you are planning to do tomorrow, do today;
what you are going to do today, do right now.”
-Indian Proverb

“The world needs dreamers and the world needs doers.
But above all, the world needs dreamers who do.”
-Sarah Ban Breathnach

This week I encourage you:
Don’t procrastinate. Don’t wait. Don’t fear. Don’t doubt.
Take the risk. Do it now. Seize the moment. Dream BIG.
And take positive steps towards it.
-susie lee

Have a great surprised filled week!

Setting Goals Can Be Life Changing or Paralyzing

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“That which matters the least should never give way to that which matters the most.”

‘That which matters the most’ looks different for each person.  How we choose to spend our time, days, resources and energy usually reflects what we value in life.  That’s why goal setting is personal.  If you’re one of those people who have difficulty setting goals, it maybe helpful to ask these questions:  What are my core values? What is important to me?  What do I want out of life?  Where do I want to be in 10 years?  How can I contribute to the world?  For some people, this process of self-reflection and self-realization is life changing and liberating and for others, it’s a challenging and frustrating endeavor that paralyzes them.

Whether your goals are to contribute to the greater good of mankind or lose a few pounds, one thing to keep in mind when setting goals is to set S.M.A.R.T goals.  There’s a saying ‘If you aim for nothing, you’ll hit it every time.’ That’s why it’s important to set Specific, Measurable, Attainable, Realistic and Timely goals.

For example:
I will get in shape this year.  NOT SMART.
I am running 2 times a week for 45 minutes and hiking 2 times a month for 3 hours.  SMART.

Another important aspect in setting SMART goals is to write them in the present tense, this triggers your brain to subconsciously get you moving towards your goals.  Write them on a poster board and hang it up where you’ll see it as a daily reminder.  Placing pictures of your goals will, also help you visualize them better.

If you really want to keep goal setting simple then pick one word to live by this year.  For example, my word for 2012 is strength.  It’s easy to remember yet powerful because it will guide me in my actions and decisions.  And at the end of the year I can ask myself, ‘Did I have strength this year?’

The purpose of goals is to enrich our lives, not a burden of rules to keep.  It stretches us to our fullest potential, not serve as a reminder of our limitations.  It builds character, strength, and skill that cannot be stolen or destroyed.  This confidence creates beauty within which then reflects itself in the work of our hands.  Continue to dream and pursue!

Conversations welcome!  I would love to hear any comments, goals or questions you may have from this article.

Small Decisions Contribute to Long-Term Goals

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As I set long-term goals for the New Year, I do not want to underestimate the impact of small decisions I make everyday. These positive or negative choices will either contribute to or hinder my goals. The daily choices I make will eventually form into a habit, which will then turn into a lifestyle. I want my goals to be more than just for this year but for the many years to come. To have an effective long-term goal, it must be coupled with positive short-term decisions I make in the moment. I want to share an excerpt from this book I read over the holidays that describes it so well:

“We also need to make better choices in the moment. As Nobel Prize-winning economist Thomas Schelling described, we behave as if we’re two different people: one who wants a lean body and another who wants dessert.

Even small short-term differences in how we allocate our time can result in better days. An extra half-hour of sleep or an extra hour of social time can be the difference between a great day and a mediocre day. Changing our daily routine a little can have a big impact on the quality of each day.

On a given day, we might sit around and respond to problems at work instead of initiating. We might passively watch TV rather than getting out and exercising. Or maybe we spend on something now that creates stress in a few weeks or months. We might even think about doing something to give back to our community, but decide we’ll do it later and never get around to it. Days like this start a vicious cycle.

Just one day when we eat poorly, skip exercising, are stressed at work, don’t get enough social time, and worry about money leads to a host of negative outcomes. On days like this, we have less energy, we look worse, we don’t treat people well, and we get a lousy night’s sleep. As a result, we miss the reset provided by a sound night of sleep, and the cycle continues.

When we break this downward spiral and get a good night’s sleep, we’re off to the right start. This allows us to wake up refreshed and increases our chances of exercising in the morning. If we can use our strengths at our job every day, this connects our daily activities to a much higher purpose and allows us to get more done. Between work and time with our friends and family, if we can get in six hours of social time, chances are, we’ll have 10 times as many good moments as stressful ones.

One of the best ways to create more good days is by setting positive defaults. Any time you help your short-term self work with your long-term self, you have an opportunity. You can intentionally choose to spend more time with the people you enjoy most and engage your strengths as much as possible. You can structure your finances to minimize the worry caused by debt. You can make exercise a standard part of your routine. You can make healthier decisions in the supermarket so you don’t have to trust yourself when you have a craving a few days later. And you can make commitments to community, religious, or volunteer groups, knowing that you will follow through once you’ve signed up in advance. Through these daily choices, you create stronger friendships, families, workplaces, and communities.”

-Well Being The Five Essential Elements by Tom Rath & Jim Harter (pgs. 110-112)