Practical Tips to Achieve a Positive Mindset

Do you wish you could think positively instead of assuming the worst when dealing with different situations? If you feel like you’re always thinking of the worst possible scenario, there are steps you can take to change your way of thinking. The secret to achieving a positive mindset involves letting go of the past, reducing stress, and working toward a happier and healthier life. 

1. Reduce Stress in Your Life

It’s hard to stay positive when you stress over everything. Some of these things may be out of your control. What good does it do for you to worry so much over something you have no control over? It’s time to learn to let those things go. Start doing things that help you reduce the stress in your life, such as going for long walks or visiting your local gym to exercise. Even relaxing in a hot tub or bathtub can make you feel more relaxed. When you can relax your mind, you can feel at ease and focus more on positivity.

2. Surround Yourself with Positive People

You can’t expect to live a positive life and have a positive mindset if you’re spending time with negative, toxic people. If someone causes a lot of stress and drama in your life, it’s time to cut them out of it. Stop putting up excuses for people who aren’t changing and refuse to see their wrongdoing. Instead, spend less time with negative people and more time with people who make you feel good. When you start spending quality time with optimistic people who care about you and support you, it can leave you with a much more positive mindset than before.

3. Look on the Bright Side

Unfortunately, things don’t always go the way we plan them to, leading to disappointment. If something doesn’t go your way, try not to dwell on what went wrong. Instead, try to look on the bright side of the situation. There may be some cons to something going wrong, but there may also end up being a few advantages with things working out on your end in due time. If you’re looking on the bright side of any situation, you’re not letting small obstacles or issues get in the way of the bigger picture. As a result, you won’t need to spend time feeling so stressed, frustrated, and angry over things.

Positive Mindset Tips

Use these positive mindset tips to change your way of thinking. Get out of that negative funk and work on optimism. When you’re letting go of stressful situations and negative thoughts, you can feel much better and focus on the positive things around you. It’s essential to surround yourself with positive people who always have good things to say. 

These people can lift your spirits and help you work on yourself while attempting to change your mindset to a more positive one. It can take time to make significant progress, but if you genuinely want to let go of negativity and improve your mindset, start working on the changes that can get you to where you want to be.

Steps to Confidence

Building confidence is a necessary exercise for many of us. If self-confidence does not come naturally, building it up takes deliberate, conscious effort. While no step-by-step program is perfect, the following are some steps that may help you build up your sense of confidence.

Having confidence is not easy for everyone, and even those you think have it easy do not have it easy! One thing you must remember is that just because something appears easy to someone else, doesn’t make it easy.

Some people are better at presenting things as “easy” than others, but we all have to work hard to fight those negative thought patterns we get from time to time. Confidence can be hit when a relationship fails, a goal fails, a situation doesn’t go the way we expected.

Confidence is such a tricky and fragile thing but once you learn how to do some mindset training? It gets a little easier to control. The older you get, the more experiences you have, the more time you spend on training yourself to be confident – the easier it will e to stop those negative thought patterns and feel awesome about yourself no matter what life tosses at you!


Write them down. Make a list of your goals, long and short term, and then below each goal write the steps it will take to get there. For example, if one of your goals is to launch a website to earn money, your list might look like this:

Launch Website
a. Reserve domain
b. Set up hosting
c. Contact web designer and discuss layout
d. Write a short ebook as a promotional giveaway
e. Write content and newsletters for site to cover several months after launch

Whether it’s relationships, business ventures, or self-improvement, writing your goals and their necessary steps can make those goals much less formidable and much more doable. That alone helps you feel more confident in moving forward.

Stop Comparing

While it’s good to have aspirations toward self-improvement, constantly comparing yourself to the best of the best in your realm can get discouraging. For example, if you’d like to have a talk radio show or Podcast, you might be inspired by high-profile radio hosts; being inspired by them is fine, but beating yourself up because you are not exactly like they are – complete with millions of listeners – will only discourage you.

Build a Positive Self-Image

It seems that when you are just certain you are going to fail before you try something, you are more likely to fail when you do try it. If you have a negative self-image and think you just can’t achieve anything, it’s likely that you won’t – thus underscoring this false impression about yourself. Stop listening to the negative inner voice and instead tell yourself that you can achieve your goals and, even if you fail, it’s not because you are a bad person or because you didn’t try.

Get to Know Yourself

This means spending some quiet time thinking or writing in a journal – some quiet time by yourself in which you assess your strengths, weaknesses, and personality. What are your character traits? What quirks and talents do you have? Pretend like you are being interviewed and that the interviewer is trying to get to know you. What questions would they ask?

Turn off the Media

For a while, it might be good to turn off the TV and put down the magazines. The perfect-people images found in the media can be discouraging for those who are struggling with self-confidence.

Tips That Will Transform Your Money Mindset

Money mindset refers to your attitude and perception towards the finances in your life. The way you view money says a lot about your inner self, about how satisfied you are with your wealth or how you see yourself financially in the future.

Unfortunately, there are several people out there who own a negative mindset about money. They believe that in order to survive in today’s society, one has to have debt. They believe that they’ll never be able to progress financially, more so that they’ll never be wealthy.

The problem is that people aren’t usually willing to challenge their money mindset, and so they keep struggling to improve their financial situation. No matter what beliefs engulf you, there are several ways to help you achieve a positive and healthy money mindset that will lead you towards financial security.

These will help you analyze your assumption about money and notice the factors that have been chaining you from growth.

Let go of the past

Our beliefs and behavior patterns around money are not our conscious choice. We have simply picked them up in the past and kept them going all lives without questioning them. You might have been living on the belief that you’d always live paycheck to paycheck or that debt is a necessary tool of life, but these beliefs are not true, neither are they serving you any good.

So, let go of your past, forgive yourself for blindly recreating the patterns of illusion that have kept you stuck. You can practice this by writing down all the memories that have influenced inflicting the thought pattern.

Now read all of the points, forgive yourself for practicing them, and detach yourself from the memories. Everything that was obscuring you has been erased; you’re free to build your career again, walking in new footsteps.

Identify your needs

This is the one question that can help you figure out the money mindset you own and how you can change it. Most people tend to keep thinking about getting a million dollars from a source but do you think how you would use it or where would you spend it?

The more important question is, why do you need a million dollars to get started with your goal in the first place?

You can start right now by just holding yourself fiscally responsible.

Notice where your money flows and see if it’s even worthy of being prioritized. If you have a goal, then dictate your finances to achieve that instead of fulfilling unnecessary obligations.

Visualize abundance

Visualizing abundance isn’t a bad thing at all. For a moment, sit down and think what would you do if you had an abundance of wealth. Where would you spend it? Would you start a business of your own, would you go on a world tour or buy a bigger house?

Dream about how life would be if you had all that money.

You can write down all of that on a piece of paper and mention all of those areas of life that are already abundant. This simple visualization can help you transition into the abundance mindset, making you believe that you have more of everything.

Take small steps to build abundance

While many are inclined to associate the term abundance with a bank account number or a luxurious house, abundance is a feeling. It is a feeling that can mean anything to you. It can be freedom or generosity or anything that you can link the feeling to.

Once you’ve figured out what exactly it means, you’ll be ready to take small steps towards cultivating abundance in your life. For example, you might find out that abundance is spending time with your family, or reading a good book, or practicing meditation. This visualization will upgrade your money mindset, align your thoughts, and manifest your desires.

Focus on your budget

One of the major reasons you feel comfortable with debt or the supposed fact that you can’t earn more than what you do is avoidance. Spending money is too easy. Thinking that life is nothing less than being a subscription, thriving upon automated payments and direct deposits is also very easy.

But it is not correct.

You have just adopted a mindset that tells you that controlling your budget is not in your control.

But it is.

You can make sophisticated decisions with your budget if you look at it responsibly. You just have to calculate what you earn, subtract your spendings, and see if the balance is positive. Even if it’s negative, you need to budget your budget to bring it back to a positive. It’s not about control; it’s about being stuck. Move yourself to make ends meet.

Be content

It is by far the simplest way of shifting yourself towards a positive money mindset. The more we stay grateful for the things around us, the more abundance we recognize in our life. You can do this by beginning your day by being grateful. I like to lay back in one of these comfy Sunnydaze Hammocks and think about all that I’m grateful for each morning and evening.

You can also write down three things that you’re grateful for every day. The feeling of being more thankful enables you to find good in everything around you.

Think about the things that you own, and you can’t imagine your life without them. Think that you own the financial capability of buying them and blessing yourself with happiness. Be grateful to the universe for all the provisions.

Avoid negativity

Comparisons that can be harmful but at the same time motivating. It all depends upon how you look at a certain thing that sets your money mindset. Comparing your financial situation to a friend or cousin of yours, seeing how much they have accomplished in life can give you a feeling of not being capable enough, of being defeated, of being left behind.

You might start listing down reasons in your head why you’re not in the position your friend is at this point.

The primary reason being that you don’t have enough money, which leads to negativity and demoralizing spirits.

But is it the only way to view a particular situation?


You can also look at your friend accomplishing highly in life and be inspired by their resilience and fortitude. You can uplift yourself by reminding yourself that you can reach those heights too. And that is all it takes to transition to a positive money mindset.

Mindset is powerful, and it all depends on how you perceive your fiscal situation to set yourself on a positive track. The points above-mentioned can help you transform your money mindset into a healthier and more productive one.

Man runing with his beagle dog at sunny morning. Healthy lifestyle and Canicross exercises jogging concept image.

12 Amazing Ideas for Self Improvement

Most people have a misconception of self-improvement being associated with the millennial age only. In reality, self-improvement is not limited to any age at all; it’s about constantly growing, exploring life to live in a more fulfilled and happier manner. It’s a path that paves the way towards betterment and discovering the potential you hold.

And no matter what age you’re at, one should always try to bring out the best in him. That’s what’s self-improvement is all about. If you haven’t given it as much thought, here are the top 12 ideas for self-improvement that can help you shine through and through.


If you’re someone who advocates self-improvement just as strongly as I do, you’d agree that travel is the ultimate way towards betterment. Visiting new countries, mixing with new people, exploring new cultures is a thrill on its own.

You get to understand how different the world works, which allows you to develop a distinct perspective. It’s not just about the places you visit but the challenges that you get to overcome.

With an experience of its own, you get to expand your horizons and expose a part of yourself that you never knew existed. This is what manifests the concept of a growth mindset which is the most significant factor in self-improvement.


Exercise has to be one of the most beneficial acts for your health and wellbeing. It can help regulate your mood, boost your energy levels, assist in better sleep, prevent chronic diseases, and so much more.

With the variety of benefits that it can reap for you, there hardly remains a doubt on it not being able to play a role in self-improvement.

No matter how bad a day you have, a few minutes of exercise can immediately make you feel better. And exercising doesn’t mean a hardcore session of sweats but anything that allows your body to remain physically active. It can be as simple as going for a walk with your dog or swimming.

Learn a New Skill

Do you feel like you’re too old to pick up a new hobby? That’s the part of growth; you’re never too old to do something new in life. This is what opens the opportunity for growth of mindset, as your brain gets to learn something different, something unique.

Try whatever you’ve always been fascinated by. It can be as small as learning to play the piano or cycling. It’s just a feeling of enjoyment and fulfillment, which is divine.

Explore a New Language

Exploring a new language is one of the best ideas for self-improvement. Just like travelling, learning a new language can give you better insights into a new culture and its way of communicating.

It’s not just a skill that you’ll hold for life but will open more opportunities for traveling. Other than that, learning a language is a job that requires patience, perseverance, and devotion.

You’ll learn a language and develop many other qualities in your personality. There’s nothing better than that.


Instead of spending time watching TV or streaming Netflix, shift towards enhancing your reading capacity. The more you read, the more your mind will open to learning. It is by far one of the most effective ways of self-improvement.

Growth vs fixed mindset is a difference that can change your entire life for you. People who choose to remain stagnant all their lives don’t even know what it feels like to ascend in life.

They are prone to staying in their limited confines of thoughts while people who choose the path of growth savor the perks of expanse.

Reading allows you to extend your range of understanding and knowledge, which improves you as a human being.

Break Out of Your Comfort Zone

Most of us are primarily scared of facing challenges or situations that we haven’t encountered before. Without stepping out of our comfort zones, it’s hardly possible for us to experience something new within us.

It liberates us from our boundaries and aids in perceiving the difference between growth vs fixed mindset. Breaking your chain of ease is one of the greatest ideas for self-improvement.

Exterminate Toxicity

Living in a negative environment with toxic people has adverse effects on your mind and, eventually, your health. While negative people are bound to exist no matter where you go, try not to be in such an environment for a longer time.

Toxicity is one of the deadliest elements that take you down, so make sure you avoid it as much as you can. 

Leave a Bad Habit Behind

We all have our shares of bad habits. Evaluate yours and determine yourself to quit them from today. It can be smoking, drinking, procrastinating, or anything that you know is unhealthy. Break the loop and replace them with some good ones.


There’d be hardly anyone out there who’d tell you meditation doesn’t help. It soothes you, improves your mental health, allows you to be more productive, and exhibit kindness during the day. When you are calmer on the inside, it’ll reflect on the outside.

When trying to improve yourself, meditation has to be a must. It helps you distinguish between growth vs fixed mindset with its unlimited boons.

Seek Counseling

For a growth mindset, counseling can be a fantastic technique to help you improve. Therapy is not only for people who feel that their life is on the brink of falling apart but for everyone.

It can help you with anxiety, depression, get over a stigma, and feel better about yourself. It ignites a feeling of happiness and peace within you.

Eat Healthy

What goes inside shows on the outside. Diets directly affect our wellbeing, productivity, and happiness. Therefore, make sure to eat what’s healthy for your body and brain. Consume fresh fruits and vegetables every day and try to make it a consistent habit.

Start a Business

Starting a business employs you with all the skills that learning a language inculcates. And it’s not just about learning; you get to benefit from the bonus of earning money as well. You can start with whatever interests you; it can be teaching, freelancing, or counseling, anything that challenges your brain and activates your body.


No matter how much you try to shortlist the best ideas, the list remains to be endless. The opportunities to progress towards positivity and to learn to be proactive are limitless.

So, what are you waiting for? Start today!

Photo Title Price Buy
Practicing Mindfulness: 75...image Practicing Mindfulness: 75 Essential Meditations to Reduce Stress, Improve Mental Health, and Find Peace in the Everyday $12.79
Breath: The New...image Breath: The New Science of a Lost Art $16.75
Mindfulness: An Eight-Week...image Mindfulness: An Eight-Week Plan for Finding Peace in a Frantic World $10.69
Mindfulness for Beginners...image Mindfulness for Beginners in 10 Minutes a Day: Mindful Moments to Bring Clarity and Calm to Your Morning, Day, and Night $10.89
Think Like a...image Think Like a Monk: Train Your Mind for Peace and Purpose Every Day $13.97
The Mindfulness Journal:...image The Mindfulness Journal: Creative Prompts to Relax, Release, and Explore the Wisdom of You $13.43
Zen as F*ck...image Zen as F*ck (Zen as F*ck Journals) $8.99

The Pros and Cons of Quitting Social Media

Some people aren’t bothered by social media. They can spend hours on social media and never feel overwhelmed, stressed, or out of sorts. Other people may feel overwhelmed, stressed out, and see a decline in their mental health within an hour of being on social media.

If you’re someone who is experiencing negative emotions from the prolonged use of social media then you may want to continue reading. Today I’m sharing some of the pros and cons of quitting social media so that you can choose to live happier and healthier with fewer online engagements.

Cons of Quitting Social Media

Below are just some of the disadvantages that you experience when you quit social media or commit to a short-term social media detox.

Increased Fear of Missing Out (FOMO)

No matter how hard you try, it seems social media is the place that friends and family post their latest news. You can try to stay in touch with long-distance connections via phone calls or text messages, but the news will be few and far between.

This means you’ll have to get comfortable with embracing the concept that you may not hear about a birth announcement, engagement, or something news from those who live further away when you quit social media.

Fewer Networking Opportunities

If you run a business or most of your networking requires marketing on the internet for your business, and you decide to quit social media, then you may have fewer networking opportunities. You’ll have to resort to different methods of engagement and advertising for your business.

This means you’ll miss out on the instant reward that networking for business on social media provides. You can gain business through other outlets, but social media has begun to take over the major parts of business networking and advertising as of late.

Photo Title Price Buy
Practicing Mindfulness: 75...image Practicing Mindfulness: 75 Essential Meditations to Reduce Stress, Improve Mental Health, and Find Peace in the Everyday $12.79
Breath: The New...image Breath: The New Science of a Lost Art $16.75
Mindfulness: An Eight-Week...image Mindfulness: An Eight-Week Plan for Finding Peace in a Frantic World $10.69
Mindfulness for Beginners...image Mindfulness for Beginners in 10 Minutes a Day: Mindful Moments to Bring Clarity and Calm to Your Morning, Day, and Night $10.89
Think Like a...image Think Like a Monk: Train Your Mind for Peace and Purpose Every Day $13.97
The Mindfulness Journal:...image The Mindfulness Journal: Creative Prompts to Relax, Release, and Explore the Wisdom of You $13.43
Zen as F*ck...image Zen as F*ck (Zen as F*ck Journals) $8.99

Pros of Quitting Social Media

There are a few pros of quitting social media that may just entice you to complete a social media detox or quit it altogether.

Get Better Sleep

Most of us spend far too many hours on our cell phones. You probably look at your phone before you go to bed. The phone is probably the first thing you look at when you wake up. This addiction to screens and social media has disrupted our natural sleep patterns. Don’t forget to grab your CBD Pillow – Add to Cart to maximum sleep while detoxing from social media.

When you quit social media you’ll have fewer reasons to peek at your cell phone before bed. This means your eyes and brain will be relaxed, ready to slip into a deep slumber when you quit social media!

Start to Feel More Confident

Whether you realize it, or not, social media plays a toll on our self-esteem. When you share something on social media and receive little to no reactions or comments, you may start to feel like you don’t matter. This can destroy your self-confidence one little piece at a time until you start to feel irrelevant.

Quitting social media will provide you with a chance to feel more confident. You’ll be enjoying your real life outside of the internet and engaging in real-life connections that boost your self-confidence higher than any social media post would do.

How to Quit Social Media

As a freelance writer and entrepreneur, social media is a huge part of my business world. Quitting social media for good is not a reasonable option for me. I can, however, quit social media for “fun”. I’ve started to slowly refrain from sharing too much of my personal life on social media and limited the time I spend scrolling the newsfeeds.

Removing the apps from your smartphone will be a great start to detoxing yourself from social media. You may eventually quit social media for good on the personal side and only post on your business page once you see all of the benefits that come from quitting social media.

If you’re uncertain about quitting social media for good, I invite you to take just two weeks off from the internet as a whole. Schedule your work out. Schedule the social media updates for your business. Uninstall the social media apps from your phone and make a schedule of things to do during this two-week social media detox.

Write down how you feel at the start, middle, and end of this time quitting social media. Evaluate how you feel and determine if quitting social media is something that makes sense for you. If you feel that your time away from social media has improved your mental health and relationship with the people closest to you, then perhaps it’s time to consider quitting social media for good.

personal development self growth plans

Setting Self Growth Plans

There are many ways to decide on what self growth plans you’ll focus on this year. Planning on this form of personal improvement is all about focusing on values, reflection, goals, and other areas of personal development such as your career and relationships.

Where can you start with Self Growth Plans?

We’ve found the most successful people who master self growth start their personal development path by listening to people close to them. Pay close attention to what your loved ones say or ask of you during the day.

Some exmaples of self growth ideas that may come from household members, include;

  • “You always beat down my ideas when I have them. I can’t share ideas with you anymore because you just don’t listen.”
  • “Mom you’re always on your phone when we’re supposed to be watching a movie together!”
  • “Dad you work so much and when you’re home all you do is sit at your computer.”
  • “Hunny, I feel like you’re just not present when I’m talking. Your body language shows me you’re not interested in what I’m saying and so I shut down and start to become bitter.”

How to Use Self Growth Feedback

Some of the above statements about self growth may be overlooked by a fixed mindset person. You may not be open to wanting to grow, and that’s okay.

We are all allowed to grow or stand sill as we see fit.

If you’re someone with a growth mindset who wants to work on personal improvement and master being a better version of yourself today than you were yesterday, then you need to hear what your loved ones are saying.

Here is what we hear when a loved one says the above statements;

  • “I don’t feel valued in this relationship because we always have to go with your ideas. My ideas don’t ever seem good enough and you don’t listen to them anyway so why should I share them.”
  • “Mom, please stop ignoring our time together. This quality time matters to me so you being on your phone upsets me and makes me feel less important.”
  • “Dad, I don’t feel like us kids matter to you because you just work all week and then sit like a zombie in front of the computer never interacting with us when you’re home.”
  • “My love, I don’t feel like this relationship is working unless we change the way we communicate. Body language is shouting that you’re simply not connecting with me and that pushes me away. We need to fix this or walk away from this.”

As you can see the above four checkpoints that we first shared can be translated into a self growth opportunity. These icon bullet points can lead to a pretty negative outcome regarding a relationship with your loved one, kids, and household in general if you don’t find a way to work on personal development.

Photo Title Price Buy
Practicing Mindfulness: 75...image Practicing Mindfulness: 75 Essential Meditations to Reduce Stress, Improve Mental Health, and Find Peace in the Everyday $12.79
Breath: The New...image Breath: The New Science of a Lost Art $16.75
Mindfulness: An Eight-Week...image Mindfulness: An Eight-Week Plan for Finding Peace in a Frantic World $10.69
Mindfulness for Beginners...image Mindfulness for Beginners in 10 Minutes a Day: Mindful Moments to Bring Clarity and Calm to Your Morning, Day, and Night $10.89
Think Like a...image Think Like a Monk: Train Your Mind for Peace and Purpose Every Day $13.97
The Mindfulness Journal:...image The Mindfulness Journal: Creative Prompts to Relax, Release, and Explore the Wisdom of You $13.43
Zen as F*ck...image Zen as F*ck (Zen as F*ck Journals) $8.99

Making the Promise to Work on Self Growth

Based on many years of watching and working with others, we have found that the promise to work on self growth must be made by the individual to the individual.

  • Most personal development only happens when the individual desires a change and something better in their life.

Start listening to what people around you are saying or doing. Do you recognize their body language saying something that their lips aren’t saying? This is something many intuitive and empathetic people notice right away!

Learn to watch for cues that your closest family and friends share about you. These are the people who want the best for you, no matter what, so they’re the best people to look to for personal improvement ideas.

You can make notes of what your family and friends say throughout the day, or just ask each of them what they feel you need some improvement on. They may say some things that hurt, but pause before reacting! These people are being open with you so that you can learn what self growth plans to make for this year!

These people are not trying to hurt or upset you! They are answering the question honestly based on their perception to better help you grow. Please refrain from asking people on social media these questions.

Those who are connected with you online only know a small portion of who you are and what you can be. This type of personal improvement self growth work must be completed based on people’s feedback of those who know you to your core!

Conclusion on Self Growth Plans

Now that you have evaluated what other people have said or share for information on what they feel you need to work on for self growth, it’s time to make a promise to yourself.

Figure out what you want to focus on this year, write down a promise that you will work on whatever self growth goals you have.

Something as simple as, “I promise myself that I will be better at listening to my family when they speak and truly hear what they have to say” is a great promise to start with.

Make a promise to yourself that you will achieve great success with your self growth plans this year, by writing an affirmative promise on paper and then start reading all the books on personal development topics, and use postiive affirmations to train your subconscious mind during this process.

We end with this question today;

What helps you be more aware of what areas you should work on for self growth?

5 Golden Rules of Family Budgeting

Many people got it very wrong when it comes to the dreaded budgeting, associating household spending plans with restrictions and sacrifices. Such a way of thinking is not constructive when tending to your financial needs and wants.

One simple truth is – budgeting is not only for those that need to get out of debt. A household budget is a tool to help you and your family always have enough money for essential things, as well as other life pleasures of your choice. 

A budget will keep you financially stable

A household budget is essential for the future of your family because it helps you keep financial stability. Budgeting is a must if you wish to expand your health and personal finances. Living within your budget will help you avoid excessive debt and build long-term and emergency savings account.

You will gain much more control over your financial priorities, such as housing, food, medicine, and transportation. Additionally, budgeting will help you prepare for retirement by establishing investing habits.

Creating your first household budget can seem pretty daunting, but don’t worry. I will walk you over the process and debunk some of the damaging myths responsible for your resistance to budgeting up until this point.

Photo Title Price Buy
Practicing Mindfulness: 75...image Practicing Mindfulness: 75 Essential Meditations to Reduce Stress, Improve Mental Health, and Find Peace in the Everyday $12.79
Breath: The New...image Breath: The New Science of a Lost Art $16.75
Mindfulness: An Eight-Week...image Mindfulness: An Eight-Week Plan for Finding Peace in a Frantic World $10.69
Mindfulness for Beginners...image Mindfulness for Beginners in 10 Minutes a Day: Mindful Moments to Bring Clarity and Calm to Your Morning, Day, and Night $10.89
Think Like a...image Think Like a Monk: Train Your Mind for Peace and Purpose Every Day $13.97
The Mindfulness Journal:...image The Mindfulness Journal: Creative Prompts to Relax, Release, and Explore the Wisdom of You $13.43
Zen as F*ck...image Zen as F*ck (Zen as F*ck Journals) $8.99

Common myth: Budgets are for people in debt

First of all, budgeting is not for people in debt, but for any person who wishes to stabilize their finances and avoid debt. If you’re merely balancing your checkbook, that’s still not as good as budgeting because the checkbook cannot prepare you for unexpected expenses. Budgets, on the other hand, can. You cannot control events like sudden repairs or health trouble, but you can manage your money. Don’t let it control you.

Since we’ve covered the widespread myths, it’s time to go over the crucial steps of creating your budget.

Get Cozi - it's free!

Steps to create a household budget

  • The first thing you will have to do is identify your essential goals.
  • Secondly, you will have to rank your monthly spending from necessary to trivial.
  • Your third step should be adding your net income and subtracting expenses.
  • The fourth step will consist of adjusting your planned expenses and considering additional income if necessary.
  • Final step – adjusting your planned expenses and considering additional income if necessary.

Identifying your goals is the basis for your budget

If you want to make your budget work, you have to tie it to your personal goals. Those should include the purchases you want to make when you want to buy them and how much money you will need to make it happen (both total amount and the monthly rate).

Pro tip: Sharing your plans regarding the budget with someone else is brilliant because it exponentially increases your likelihood of achieving your goals. 

Prioritize your expenses

Your goal-setting process will be completed once you prioritize your expected expenses into the spending groups.

Must have’s: The priority expenses that you need to pay before any others. Those include your rent or mortgage, electricity, water, sewer, and trash expenses, as well as food and clothing. Make sure to have emergency savings into your must-have priorities in the budget. You could need them in case of medical emergencies or job loss.

Critical needs: Include cell phone and internet services, childcare, debt payments, transportation, insurance, maintenance… Think about where you can save some of your hard-earned money. If you live relatively close to your workplace, consider riding a bike instead of driving to work. It’s much cheaper and no less important, much more sustainable.

Lifestyle decisions: These include your daily choices such as eating out, drinking fancy coffee, going to the movies, purchasing a piece of nice clothing, or getting Netflix, for example. To cut back on some of these wants means a lifestyle change, which is why some people refrain from creating a budget. However, cutting back on such spending will get you to your set goals.

Trivial wishes: Those are basically anything you want but can do without, including long-term desires.

Prioritizing your expenses is vital because it shows you which costs are fundamental and essential and which can wait. Building a rational structure will help you steer clear of emotionally driven purchases.

Track your expenses

Grab a calculator and calculate your expenses before you estimate your net income. This approach will help you make rational decisions about your spending, which will lead to better outcomes for you.

Create spending categories for regular bills in your budget, and then add the expected payments that you will need to make. When it comes to variable expenses, do your best to estimate your monthly purchases in that category. Make sure to take seasonal factors and holidays, birthdays, and other factors into account.

Record your income

Write down your expected monthly income using your net income. How to Create a Family Budget that Works ebook will help you with all of these steps! No stressing. No worries.

Click here to buy Learn Grow Master’s How to Create a Family Budget That Works eBook today!

Subtract planned spending from projected income

After you estimate your future expenses and income, subtract your planned purchases from your payment. The strategy is simple; a figure above $0 is living beneath your means, whereas a figure near $0 means you expect to live within your means. If you get a resulting figure below $0, that means you wish to live beyond your means.

To build your savings and investments, you should, of course, live below your means. It’s only logical. If you find you’re living beyond your means, you don’t necessarily have to cut back on some of your expenses. Instead, you could consider increasing your income by seeking a better paying or a side job. 

Plan according to your weak spots and budget

If you happen to find yourself faced with a negative projected balanced budget, don’t make a common mistake of an immediate cut of expenses. Instead, take some time to find an effective way to balance out your household budget. Adjusting your spending is a solid way to go, but in the meantime, look for other ways to increase your income.


If you find yourself in over your head regularly when it comes to paying for your life needs and wants, you should revisit your priorities and expenses. If you’re living beyond your means for housing, transportation, or communication, think about what you can change to unburden your budget.

We end with this question today;

Do you have a family budget?

My Journey to Great Success

My Journey to Great Success

Hey everyone! Brandy Ellen here. I’m ready to share some of my experiences in life that led me to great success. This journey has had twists and turns, ups and downs, tears, and smiles. I’ve cried and laughed, I’ve laughed so hard I cried, but here I am with the confidence to say that I’ve achieved great success!

Food in the Home Great Success

I understand that we all define great success in different ways. My first experience of feeling as if “I made it” was when, after years of struggling, my children finally had a full freezer, fridge, and cupboards of food. Some processed foods, some fresh, but food nonetheless!

  • To me, having food in the home to supply the children with their needs in this area made me feel like a great success!

That was probably my first set of tears that flowed from my eyes down my cheeks in 2020. Finally! The kids had a steady food supply without having state assistance. Yes, I’ve been on state assistance at various times in my life, both cash and food stamps.

I’ve had to stay with my parents more than once, and I’ve been homeless. Life wasn’t ever “easy” for me, and it’s not “easy” now, nor do I expect life to ever be “easy”.

  • Here’s the thing; life isn’t meant to be easy, it’s meant to help you grow stronger, wiser, and more well-rounded as each new chapter arrives.

It may sound funny to some of you out there, that this positive thinking freelance writer, felt most successful when she provided FOOD for her kids. That’s okay, I’m confident with the way I define success and my individual story of great success.

Great Success in Relationships

Another area where I define something as part of my great success story is being reunited with my sons’ father. We divorced when our youngest of two boys was around age 2. While we’ve always been amicable, and perhaps many issues derived from having two babies in two years, us reuniting in late 2019 is for sure part of what I feel is a great success.

Learning to spend time listening to someone, communicating effectively with them, and then having that ah-ha moment that ‘wait we should be together’ thought is such an amazing experience.

We both were at a time in our life where we saw the value of the friendship we’ve always had, the sons we shared, and each other. When you can pause all the emotions of the past, to live in this one moment, and truly feel what’s right and act on it? That’s a great success!

  • When you’re married or in a relationship with someone who values your opinon, listens to your thoughts, and truly cares about you it’s worth more than any amount of money.

To me, great success is not defined in terms of financial gain. Great success is defined as the ability to grow from the not-so-wise younger version of yourself into a mature, open-minded, well-rounded individual.

Photo Title Price Buy
Practicing Mindfulness: 75...image Practicing Mindfulness: 75 Essential Meditations to Reduce Stress, Improve Mental Health, and Find Peace in the Everyday $12.79
Breath: The New...image Breath: The New Science of a Lost Art $16.75
Mindfulness: An Eight-Week...image Mindfulness: An Eight-Week Plan for Finding Peace in a Frantic World $10.69
Mindfulness for Beginners...image Mindfulness for Beginners in 10 Minutes a Day: Mindful Moments to Bring Clarity and Calm to Your Morning, Day, and Night $10.89
Think Like a...image Think Like a Monk: Train Your Mind for Peace and Purpose Every Day $13.97
The Mindfulness Journal:...image The Mindfulness Journal: Creative Prompts to Relax, Release, and Explore the Wisdom of You $13.43
Zen as F*ck...image Zen as F*ck (Zen as F*ck Journals) $8.99

Great Success with Business

While I don’t define great success in terms of finances alone, it is a significant part of my great success story. Lack of money is what led my ex and me back together; we were both homeless (for different financial reasons) with our sons together before committing to take friendship to the relationship level, again.

Managing money better is what led to the great success of having food in our home. So, finances do play a key role in my great success story. I just don’t feel it’s the defining part of my story.

I got lost along the journey to great success. I had these goals ready to achieve, and in walked someone who didn’t belong in that journey (more than once). I didn’t set healthy boundaries with others. I just let life pass me by as I tried to figure out the best direction after each mishap.

  • I’ve always known in my soul that you will have great success in business if you follow your heart, stay true to who you are, and help others along the way rather than focusing on “I need to make money now”.

The only reason that I sit here today sharing my story is that, with the help of my supportive community around me, I kept on going. I didn’t resort to negative self-talk, bashing others, or looking outward to blame something or someone for my mishaps.

Each time I allowed someone or something to interrupt my path to my goals, I looked inward to learn more about myself. I wanted to know, needed to know, the root problem for my mishaps. I will continue using my growth mindset to evaluate and adjust as each new chapter arrives.

No matter how often I get taken off course, or what happens in my life, I’ve continuously helped others, let others vent to me, lent support, and advice. I do these things because they matter more deeply to me than the amount of money in my bank account.

  • I have always stayed true to what my true mission in life is; to inspire others to live their best life!

This, my friends, is my true great success story. Being blessed to help others in any way I can. Whether it’s donating funds to help with groceries or a new baby on the way, helping them with a minor blog problem, or lending my ear for listening;

the biggest reasons I stand here today with food in the home, a roof over my head, an amazing partner, and a successful business is that I stayed true to who I am and I never gave up.

I can’t help but pour my heart out with how much a growth mindset can help you overcome so many challenges that life tosses at you. If you truly have a dream to be your own boss, and you want to change the world, you can do it!

A growth mindset is what alters my perspective of situations that happen to me. I allow myself to feel the grief, sadness, or anger but move on as soon as that process is over. I remove the emotion from the story, adjust my sails, and handle what I can handle today to achieve my great success story.

My story isn’t over yet, it is something that I will continuously work on throughout my entire life, but as of this moment? I am pretty confident in saying that my great success story has expanded enough that I’m now better able to help others get through those mishaps so that they can learn to harness the growth mindset and do great things in their life.

I end with this question today;

Do you feel like your life has been a great success overall? Why or why not? Also, is there something I can try to help you with?

The Best Habits to Increase Productivity

Many people spend their time wishing that they could get more time in the day. This is something that many people struggle with. Productivity goes hand in hand with time management, but mindset training can help with this area, too.

If you’re someone who is tired of spending days wishing for more hours in the day, more motivation, or just looking to reduce the wasted hours in each day then these tips are for you!

The tips below combined with our productivity for procrastinators ebook will get you headed in a positive direction. You’ll soon have more time to do what you love and feel inspired to use your growth mindset to learn new things.

Keep Your Desk Decluttered

Creativity is often found during the most chaotic moments in life, but having a litter-strewn office space isn’t going to whisk you into productivity mode. When you have visible fliers, sticky notes, paperwork, and everything else all over the desk you’re just inviting procrastination.

All of the clutter on your desk or in the office will just remind you of unfinished tasks. That little sticky note that tells you to go do something for household chores, the unfinished book that you meant to read, and other papers on the desk put your mind in the wrong headspace for productivity.

We read somewhere that keeping your desk and office space organized can increase productivity and focus by at least half as long as someone with a cluttered desk space.

Photo Title Price Buy
Practicing Mindfulness: 75...image Practicing Mindfulness: 75 Essential Meditations to Reduce Stress, Improve Mental Health, and Find Peace in the Everyday $12.79
Breath: The New...image Breath: The New Science of a Lost Art $16.75
Mindfulness: An Eight-Week...image Mindfulness: An Eight-Week Plan for Finding Peace in a Frantic World $10.69
Mindfulness for Beginners...image Mindfulness for Beginners in 10 Minutes a Day: Mindful Moments to Bring Clarity and Calm to Your Morning, Day, and Night $10.89
Think Like a...image Think Like a Monk: Train Your Mind for Peace and Purpose Every Day $13.97
The Mindfulness Journal:...image The Mindfulness Journal: Creative Prompts to Relax, Release, and Explore the Wisdom of You $13.43
Zen as F*ck...image Zen as F*ck (Zen as F*ck Journals) $8.99

Schedule Time to Read Email

The key to stopping procrastination in its track is to schedule a time to read email. Shut the notifications off on your smartphone, close the email tab on your computer, and hold yourself back from checking email unless it’s during the scheduled time.

Many entrepreneurs face this challenge because they want to quickly reply to emails for fear of missing out on a fabulous offer. The thing is, checking email too frequently during your day enables the procrastinator side to reign over you.

Create an auto-responder for emails, if you’re fearful that lack of response will make someone upset or you’ll miss out on an opportunity. Note what time you check emails during the day so they know when to expect a reply from you. This will help you get more done, we promise!

Rise Early

While many people who have achieved great success swear by this method of getting up early, we know everyone is different. We suggest that you wake up and work during a time that you’re most creative.

If you’ve been working on personal improvement then you have a pretty good idea what this “time” is.

Improving your productivity is all about developing healthy repetitive habits that remove procrastination to ignite great success. Consider waking up before anyone else to spend some time going through your daily task list or enjoying the silence to prepare your mindset for the day.

Focus on What’s Important

Lastly, you’ll want to focus on your priority tasks. Each night you should draft up a task list of things to do for the next day. When you wake up, take a moment to review what’s most important for the day.

Taking the time to evaluate what’s most important to complete that day will help you focus on one prioroity task at a time. This allows you to gauge your day and plan the hours you’re engaged in work accordingly.

Doing this final hack of focusing on what’s important as a means to develop new habits for productivity will help you complete more tasks each day because you’re not allowing your mind to get overwhelmed with a huge to-do list.

Developing new habits to increase productivity is all about taking one day at a time. Write down some actionable steps you can take to add these new habits into your life. Focus on one change at a time, master it, and move onto another habit.

You’ll find that you’re soon able to get more done and feel more confident about your life. Increasing productivity doesn’t take a lot of extra work, it is simply a matter of focusing strongly on one new habit at a time.

We end with this question today;

What helps you be more productive in your daily life?