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Show me the numbers and I will know how you fare in life.

Numbers play an important part in our personal development journey. Jim Rohn introduced this concept to me. I got this concept from one of his audio books and I would say this is a pretty simple yet powerful concept.

If you look closely in your life, you can put many things into numbers. Usually the numbers tell you the harsh facts and reality.

• Show me the number in your bank account and the number will show how well you are doing financially.
• Show me the number on your pay check and I will know how well you are doing in your career.
• Show me the number on your weighing scale and I will know whether you desperately need to slog it out on the treadmill.
• Show me the percentage of growth or loss in your investment portfolio and I will know whether you need to pick up more books about investing.

Numbers don’t lie. They show you the reality.

Do You Even Know Where You Stand Right Now?

To improve yourself, you need to know how you are doing currently. If you do not know where you stand, it is impossible for you to make your desired progress. You need a benchmark to start with. Without knowing where you are now, it is impossible to track your progress. This isn’t a very smart thing to do.

You need to have the self-awareness to know where you are right now. The numbers in your life can help greatly in identifying where you are right now.

Some people think they are currently better than where they are right now, which may be false. Some people think they are worse off than where they are right now, which also may be false. How many times did you see yourself in the mirror, saw the fats around your tummy, and think that you are still doing ok? I admit, I tried to lie to myself before I weigh myself on the scale.

Numbers do not lie and they help in this case. The numbers provide you with the cold and harsh fact on where you are right now.

Learn How To Use Your Numbers To Raise Your Standard

Your numbers are here to help you but most people do not bother to use it. Keeping track of your numbers (finance, paycheck, weight, hours spent with love ones, portfolio, investment, number of books read) will allow you to know which area of your life needs improvement.

There are a few ways you can start tracking your numbers now. It is time to create your own excel spreadsheet to help you measure your progress in life.

I use Google Docs for creating my spreadsheets and here are some numbers that I keep track.

• Number of books I read in a year (to ensure that I am growing and learning more about my field of expertise)
• Income (to ensure that I am progressing smoothly towards achieving my desired income)
• Expenses (to keep my expenses in check)
• Portfolio of stocks (make sure that I am investing in sound companies to help me accumulate wealth)

You have to put the numbers in place and start analyzing whether you are progressing in that area of your life. You can start to track your weight, the number of books you read in a year or your personal finance. Whatever area of your life you want to make improvement on, record it down in your own spreadsheet.

Example

If you want to make improvement in your financial area of your life, you may want to set up an income and expenses account in a spreadsheet. It does not have to be complicated. All you need is just a column that includes the month of the year, a column for your monthly income and another for monthly expenses.

At the end of every month, add up all the expenses that you had made for the month. I use an iPhone app, iXpenselt, to keep track of my daily expenditures. On the other hand, you can collect the physical receipts, jot down in notebooks or use gadgets to help record of all your expenditures. Just choose a method that works for you. Once you had totaled up your expenses, record it in your personal finance spreadsheet.

Do the same for your income too. Record everything at the end of the month. Try to make it as fun as possible. You can name the file as “Financial Mastery”, “Financial Genius In Making”, “Journey To Financial Freedom” or whatever sounds nice to you. These titles can entice you more to update on it and they definitely sound much better than “Personal Record Of Income and Expenses”.

If your goal is to increase your wealth, you need to ensure that your income is increasing and your expenses are not more than your income. By recording your monthly income and expenses in a spreadsheet, it helps you to have a bird eye view of the situation you are in now.

Are you spending more than you spend? Are you saving enough? Are you doing anything to increase your income to your desired level?

You can answer all these questions by just looking at your finance spreadsheet that you had created.

Start Tracking Your Numbers And See The Improvement

Making improvements in life is not difficult. Whatever you want to improve upon, just improve the numbers. When you start to track the numbers in your life, it makes it much easier for you to come out with strategies to make improvement. The strategy is simple, improve the numbers and you will see better results.

If you want to excel in your field, instead of reading one book on your field of expertise per year, you can start to read 2 books per month. If you want to achieve financial freedom, you can either make the effort to increase your income or reduce your expenses. Alternatively, if you want to increase your sales income, you can increase the number of prospects you see in a day and increase the ratio of conversion.

So if you want to start making some serious progress in your life, start playing the numbers game, track your numbers and take the necessary steps to make significant improvements in life.

Vincent
Playing The Numbers Game

P.S: My friend Celestine Chua is offering a limited time offer on her new ebook The Personal Excellence Book. If you want to kick start your journey towards excellence in life, you can grab her new ebook now by clicking here. Remember the offer will end at 25th July. So grab it before the offer ends.

Post from: Health Money Success

If You Don’t Track The Numbers In Your Life Now, You Will Regret It Later

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I am conducting a simple poll over here and I would like to know more about my readers. I believe this small poll can help me find out more about you and hence I can create content more specifically for you. It is just a simple poll and it will only take up a few seconds of your time. I appreciate your input and I look forward to seeing the results.

Cheers,
Vincent

Post from: Health Money Success

Poll: Do You Have A Blog?

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Personal Development

Alvin Tam presents No Shoes For A Stranger posted at Soul Acrobats, saying, “A lesson on staying humble, changing perceptions, and being open to miracles in the most unexpected places, from the viewpoint of a professional Cirque du Soleil acrobat.”

Madeleine Begun Kane presents Romancing The Stoic (Humor Column) posted at Mad Kane’s Humor Blog.

Vicki Garcia presents Resistance Is Futile? posted at My Kick Ass Coach!.

Sarah Scribe presents All Day Energy: Ways to stay energized all day long posted at Healthy Revelations Blog.

Stephen Martile presents The #1 Reason You Procrastinate posted at FreedomEducation.ca by Stephen Martile saying procrastination is a huge problem. There are so many books out there on the subject, but nobody (that I’ve seen) has clearly told you the truth about why you really procrastinate. Inside this free report you’ll find the #1 reason you procrastinate and some insights on how to kick-start your motivation.”

June Tree presents 5 Of The Youngest Entrepreneurs On Their Path To Success And Riches posted at The Digerati Life, saying, “Some inspiring stories of young entrepreneurs.”

Suzie Cheel presents Crush It: Are You Living Your Passion? posted at The Abundance Highway, saying, “Gary Vaynerchuk’s book Crush It has changed my life and has me being very focused on following my passion, what makes my heart sing and will inspire and empower others to live a life full of passion, live large and dream bigger dreams.”

Your Best Library presents Claim Your Life Back from Toxic Guilt posted at Your Best Library, saying, “How much guilt is too much? Serving the society, your family, friends, and colleagues is great, but how about yourself? Are you stuck in a toxic relationship or job? Are you hiding yourself behind a mask just because of guilt?”

Nea Joy presents Take a Deeper Look: A Lesson On Understanding and Love from Brother Bear posted at Self Improvement Saga, saying, “This is an article on looking for the good in everyone, accepting differences, understanding others, and refraining from passing unfair judgment.”

Karthik Guruchandran presents A secret recipe to success | KARTHIK RAJ G posted at KARTHIK RAJ G.

nissim ziv presents Personality Interview Questions and Answers posted at Job Interview Guide, saying, “Often the most dreaded questions in a job interview are those that relate to personality. Even if you feel you have a wonderful and well-suited personality for the job, you might feel you’re being put on-the-spot or falling into a trap because you don’t know what kind of answer the interviewer would like to hear.”

Wally Bock presents Jack’s Big Three posted at Momentor.

Case Ernsting presents 3 Tips for Organized Family Togetherness posted at Home and Decor, saying, “Keeping your family together is a tough, but important goal for most families these days. You can enhance and improve your family time through some careful organizing and personal development.”

Craig presents Great places for making friends and starting conversations posted at Improve Conversation Skills, saying, “The people you meet in life can shape your destiny in profound ways. Here are some tips for making new friends, and where to find them.”

Lora Lowry presents 10 Tips to Improve Your Study Habits Overnight posted at Online School.

Rico Knight presents 5 Weirdest College Classes Anyone Can Take posted at Online College Class.

Julia Brunner presents Opening one door? posted at JBInvolved, saying, “I have journeyed into a new chapter in my life. Venturing into a new career and new hobbies. It is quite the transition and adventure.”

That concludes this edition. Submit your blog article to the next edition of
a personal development and loa carnival using our carnival submission form.

Post from: Health Money Success

Personal Development Blog Carnival March Edition

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It is near the end of year and I am thinking about the direction that HealthMoneySuccess would take. This is the first ever survey I had created and I am really interested to see your opinions.

There is one thing that I would like to point out:

1. This survey is anonymous. Details of your name and email are not compulsory and it will not be posted on the blog.

This is a very short survey and it consists of only 4 questions that will help me to steer HealthMoneySuccess towards the right direction. It will also help me to try to provide enormous value and help to my readers. It will be great to see your responses and you can just take part by clicking on the button below.

Post from: Health Money Success

I Need Your Help To Create A Better HealthMoneySuccess For You

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Phew. Finally my new blog theme is up and there are previously quite a few technical problems that had caused some problems to you (e.g. getting to the 404 Nothing is found page). I had worked with a tech person to get rid of these problems (hopefully all) and I had also made some tweaks to my theme.

So now is the point where I would love to listen to your feedback on my new theme. I would want to know anything good or bad about it and what can I do to make my blog to appear more friendly to you.

I am also working on a logo for HealthMoneySuccess.com and I do have some ideas for it but I believe the logo will turn out better if my readers participate in the logo design process too. I believe it will be interesting to listen to your opinion on this and share with me some of the ideas you have on how to logo should look like.

I look forward to your comments and I will talk to you in the comment section.

Cheers,
Vincent

Post from: Health Money Success

Your Feedback

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Clutters in your wardrobe

Clutters tend to gather in our wardrobe over a period of time. There will be clothes that are too rugged, too small, too big, unwanted or just unsightly but we are just too attached to it to either throw it away or just donate it to charity.

Recently I decided to declutter my wardrobe because I find that it is getting too messy and majority of my clothes are just lying in it. Not only they are taking up space, it is also tiring to tidy up the the huge amount of clothes.

**Note**The above photo is the amount of clothes that I had threw out of my wardrobe.

6 Reasons Why We Are So Attached To Our Old Clothes

There are a few reasons why we do not want to throw out our old clothes and here are some of them.

1. You feel that you will need it somewhere in the future.

Trust me, this is the thought that will appear in your mind when you are decluttering your wardrobe. It will seems like you will need every piece of your clothes in the future and you will be reluctant to throw it away. I had a particular shirt that I had failed to throw it away or give it to charity for 3 years straight because I thought that I may wear it somewhere in the future. Guess what? I have not touched it for 3 years straight.

2. It is a gift.

It is courteous to keep gifts given to us. However if the gift is some new clothes that you just can’t fit into, why bother keeping it? All it takes up is space and dust in your wardrobe. Donating it to the charity will be a much better option then keeping it in the wardrobe.

3. Sentimental value.

It can be hard to throw away clothes that have accompanied you from your teens till now. Somehow it just seems like they are more comfortable then any of your new clothes even when they have shown signs of wear and tear. A good rule of thumb, you can find holes in it, it is time for you to throw it away.

4. Hogging.

There will be people who love to hog their clothes. They just keep on increasing their collections year after year. The habit of hogging creates a byproduct, which is clutter and hogging your clothes only creates more work for you as you will need to maintain more clothes and it is harder to search for your clothes in a cluttered wardrobe.

5. Fear that you will run out of clothes to wear.

I had feared that I will not have enough clothes to wear after throwing a huge amount of clothes out of my wardrobe but it seems like my fear was redundant. I still have more than enough clothes to wear even after throwing out the pile of clothes that you saw in the above photo. Even if you really do run out of clothes to wear, that means you will be able to buy new clothes that are more fashionable and fit you better.

6. Your clothes doesn’t fit but it seems new.

No matter how new your clothes are, it doesn’t even matter when it does not fit you. You may say that you can fit into it after shedding some weight, but how long have you been giving this excuse to keep your non fitting clothes?

3 Steps To Declutter Your Wardrobe

Here are the steps that I have used to declutter my wardrobe.

1. Take out everything in your wardrobe

Take out everything you have in your wardrobe and throw them on your bed or the floor (if it is clean). Sort them into categories such as clothes you will wear at home, clothes you will wear for work and clothes you will wear for outings. Include your own categories if needed.

2. Elimination

It is hard to throw your clothes away when every single piece of it seems so important to you. I know and I understand. You have to be “cold hearted” and stand firm in your decision. You need to go through every category and remove clothes that you did not wear for the past 1 year, clothes that are not fitting and old. You know the definition of old, don’t fake yourself into thinking it is new when it is really old.

After the first round of elimination, you need to do a second round of elimination. Go through your categories again to do a second round of elimination following the same rules above. You need to do this because most likely you will hold back yourself from removing your clothes in first round. The second round will help you to remove more clothes which are “useless” to you.

3. Pack your clothes

Congratulations! If you have followed the elimination process above, you should be able to eliminate majority of the clothes that you do not wear any more. All you need to do now is to put your clothes back into your wardrobe. If you would like to keep your wardrobe organized, pack your clothes in categories (example:shorts, shirts, tees). This will help you to find your clothes easier and it will keep your wardrobe neat and tidy.

Parting Words

Always remember the 80/20 principle, only 20 percent of your clothes are worn for 80 percent of the time. This means we should be able to eliminate at least 60-70 percent of our clothes in our wardrobe. You should keep it a habit to declutter your wardrobe at least once a year. Not only it helps to keep your wardrobe neat and tidy, you can also donate your used clothes to the charity to help others.

Cheers,
Vincent

If you like this article, it will be great if you can digg, stumble or bookmark it in de.li.cious. Remember to subscribe to my blog via Email updates or RSS feed so that you won’t miss out on my upcoming articles. (It is free!)

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Post from: Health Money Success

Why Do You Need To Declutter Your Wardrobe

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Saving Money

Our school education does not teach us much about handling money in life and this has caused most of us to enter the working society without much knowledge on how to handle our own money. I noticed that there are people who are working for 20 to 30 years in the society yet they do not have any savings at all. If they were to get retrenched, they couldn’t survive even up to a month and that is something that we definitely want to avoid.

My Story

When I was younger (around 13 – 18 years old), I am always spending more money than I earned. This means that my bank account is always near the zero mark. Any allowance from my parents or paychecks from my part time work just ended up with me spending it on food, clothes and entertainments.

Somehow it seems like the older I get, the more I spend. When I was 13 to 16, I spent much of my money on the internet gaming cafes playing online games with my friends and when I was around 17 to 18, my expenses rose and I found that I was spending more than what I could afford.

I started to play pools, singing karaoke, eat at restaurants, frequent the clubs and chasing girls. All these are costly activities and my allowance from my parents was not adequate to sustain my spending. I picked up a part time job to help me sustain my spending and also hoped that maybe I would have some excess money so that I can save a little. However as my income rose, my expenses went in the same direction.

As I had started to read personal development books during that time, I became frustrated about my lack of savings. I began thinking of what will be the best way to increase my savings and I came up with the idea of opening a new bank account.

I thought that if I am spending from the same account where I am saving money, I will be tempted to spend all of what is available in it. However if I were to have one account for savings and another account for expenses, then the amount of money in my savings account will definitely be increasing as I will not be spending any money from it. It was like an “Aha!” moment to me and I went off to create my new bank account.

I thought that if I have only a single bank account and all my savings are in it while I am also spending from the same account, I am going to be tempted to spend all the available money in that account.

I started to deposit money into my savings account monthly and never spend a single cent from it. After a few months, I finally had some savings and up till now it is always increasing as I save regularly and never spend from it.

Lesson

Having a new bank account meant for savings only is a way that has work well for me. If you do not have much savings and you want to know what is the simplest way to do it, follow this formula.

1. Create a new bank account  meant for savings only.
2. Deposit a minimum of 10% of your income into your savings account monthly.
3. Do not draw any money out of your savings account.

I have done it and saw my savings increased from nothing to something and I believe you can do it too.

Vincent
Personal Development Blogger

If you like this article, it will be great if you can digg, stumble or bookmark it in de.li.cious. Remember to subscribe to my blog via Email updates or RSS feed so that you won’t miss out on my upcoming articles. (It is free!)

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Post from: Health Money Success

How To Save Money (The Simplest Way)

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What Not To Do/be

Most of the articles in HealthMoneySuccess.com are how to articles that teaches you how to set things right but today I will be writing on things that you should avoid instead of doing.

So here goes the 50 ways to make yourself miserable.

50 Ways To Make Yourself Miserable

1. Compare yourself frequently with others.
2. Belittle yourself.
3. Don’t believe in dreams.  You believe dreams will only happen when you are sleeping.
4. Say yes to everybody and everything.
5. Work in a job you hate.
6. Complain about everything.
7. Complain about everything to your friends.
8. Suspicious of everything.
9. Counting your troubles.
10. Harbor negative thoughts.
11. Trying to please everyone and let everyone walk all over you.
12. Constantly thinking about the past.
13. Constantly thinking about the future.
14. Focusing on what you lack.
15. Focusing on what you don’t want.
16. Need others to validate you constantly.
17. Think of everything that can possibly go wrong in your life.
    
18. Get jealous easily.
19. Envious of others and is never grateful of what you have instead.
20. Imitating others due to lack of self confidence.
21. Lacking self esteem and cause others to dislike you.
22. Think the world revolves around you.
23. Judging others.
24. Absorbing all the bad news in the papers daily.
25. Eating junk food.
26. Exercising is your worst nightmare.
27. Believe that things can only go your way.
28. Do not accept others opinion.
29. Lack of sleep.
30. Lack of goals.
31. Worry consistently about the sky is falling.
32. Plan but never take action.
33. Fail to plan.
34. Feel that people around you are all jerks.
35. Thinking there is no purpose in living.
36. Being the “If Man”. If my father is  the president, then I will be successful. If ____ then I will be _____. (fill in the blanks)
37. Lottery is the only way to success.
38. Trying to control everything that you can’t control.
39. Expect to be appreciated.
40. Expect others to be grateful to you.
41. Never forget about criticism.
42. Hate people around you to be successful.
43. Shirk responsibilities.
44. Receive and never give.
45. Do things that are easy.
46. Overworking.
47. Never forgive.
48. Never give your best effort in things you do.
49. Perfectionism.
50. Choosing to be miserable.

Parting Words

These are 50 ways that can definitely make ourselves miserable and are you committing any mistakes in the list above?

Vincent
Personal Development Blogger

If you like this article, it will be great if you can digg, stumble or bookmark it in de.li.cious. Remember to subscribe to my blog via Email updates or RSS feed so that you won’t miss out on my upcoming articles. (It is free!)

Post from: Health Money Success

50 Ways To Make Yourself Miserable

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Personal Development Carnival

It is the time for HealthMoneySuccess.com to hold the Personal Development Carnival and I got to thanks Jeremy from Insight Writer for allowing me to have the chance.

I had gone through all the submissions to filter out articles that I think is not suitable for this carnival and here are the one that survived the screening. Enjoy!

Personal Development

Silicon Valley Blogger presents Start an Online Business: Open an eBay Store, Build a Website or Blog posted at The Digerati Life.

Warren Davies presents How to be Happier – 10 Scientifically Supported Ideas posted at GenerallyThinking.com.

Jacob Duchaine presents 10 Steps to Getting a Girlfriend posted at The Blog of Jacob Duchaine.

Stephen Martile presents How to Stay Focused When Setting and Achieving Goals posted at FreedomEducation.ca by Stephen Martile.

Jeremy Ulmer presents How To Stay Positive posted at Sales Coaching | Business Coaching | Life Coaching.

Sarah Scrafford presents 50 Surprising Ways to Boost Your Brain’s Performance posted at Online Best Colleges.com.

Kevin Ngo presents How to Change Your Focus posted at Motivational Blog.

Stephen Mills presents Don’t Fake Yourself Into Failure and Unhappiness posted at The Rat Race Trap.

Vincent presents 15 Valuable Lessons We Can Learn From World Champions posted at Health Money Success.

Relax presents How to apply German work ethics in your life posted at The Wise Curve.

Kara-Leah Grant presents Enough of the doom & gloom! We are in a time of great transformation, can we grab the opportunity it represents? posted at Prana Flow NZ.

Personal Finance

Beth Dargis presents Save Hundreds of Dollars this Month posted at My Simpler Life – Simple Living.

Jason Sharp presents Living a Jobless Life (Financial Freedom) posted at International Insider.

~Dawn presents Free Coin Counting Alternatives posted at Frugal For Life.

Celestine presents Passion or Money? posted at EmbraceLiving.Net.

CreditCardAssist.com presents Protecting Seniors Against Credit Card Fraud posted at CreditCardAssist.com.

vh presents A Close Brush with Financial Disaster posted at Funny about Money.

Destroy Debt presents Debt Snowball, Highest Interest Debt First, or Avalanche posted at Destroy Debt.

jim presents How I Busted My Email Addiction posted at Blueprint for Financial Prosperity.

Debbie Ducker presents Your Children and Grandchildren Must Learn to Save Money posted at Ducker Promotion Ezine.

Mr. Banker presents Banking Online Safety Tips posted at Best Interest Rate Banks.

Nate presents 12 Ways to Waste Money in College posted at Debt-free Scholar.

Steve Patterson presents Don?t Take Your Losses! posted at 2009 Taxes.

David Harris presents Losing Weight (On a Budget) posted at David on Finance.

Tristan presents Frugal Living Tips To Beat The Recession posted at Find Financial Freedom.

The Shark Investor presents I’ve Never Used a Consumer Credit In My Life posted at The Shark Investor.

Mr. CC presents It Can?t Hurt To Ask posted at Ask Mr Credit Card’s Blog.

DR presents 2009 Economic Stimulus Package FAQs posted at The Dough Roller.

The Smarter Wallet presents Investing In The Stock Market? Rules To Help You Sleep At Night posted at The Smarter Wallet.

Personal Health

Cyndi Krupp presents A boat called freedom part 1 | Evolution Ezine posted at Evolution Ezine.

Bill Urell presents Teen Drug Abuse: 7 Warning Signs Your Teen Might Be Using Drugs posted at Addiction Treatment Challenges.

Aparna presents Why scratching an itch provides relief and home remedies to relieve itching posted at Beauty and Personal Grooming.

Post from: Health Money Success

Personal Development Carnival (16th March 2009)

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Lifestyle

My dear readers,

I am thinking about a question lately and it is a question regarding our desired lifestyle. Each of us have our own desired lifestyle but most of us do not live in one.

It is contradicting when you are craving for freedom while you are staying in your 8 – 5 job. I am wondering what is it that stop people from achieving their desired lifestyle and what are some ways that can help you to step out of your comfort zone and strive to achieve your desired lifestyle.

I believe my readers will definitely have more insight on this matter. I will be looking forward to your comments.

Cheers
Vincent
Personal Development Blogger

Post from: Health Money Success

Is Your Current Lifestyle What You Want

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