Weirdforgood Hangout – 6 – Failure and Fear and HOW to Beat it :) with Melissa Ford

Must Watch! We’re covering Failure, Fear, Public Speaking, Getting Coached by Steve Chandler and Lots More!

With Aaron Nichols & Melissa Ford

You’ll want to have a notepad handy again this week!

(my video streaming is choppy, but the WORDS are worth your time!)

We’re using my blog – An Ornate Cathedral of Failure… Me as a launching point.

You can read more about me, Aaron Nichols on my about page

or Melissa Ford’s website —http://www.empoweredparentingsolution…

Enjoy!

To be part of next week’s Hangout — Email Me at aaron@truenorthffc.com, each week I send out an invitation email with the details on how to get setup. (It’s pretty easy) then join us at 5:30 CST with 45 minutes to get in depth and have a fun — REAL discussion!

Rat-In-A-Wheel or R-A-D-I-C-A-L!!!

Hello Thursday!! Just a little insight, Thursdays have always been my favorite day of the week 🙂 Almost into the weekend and still time to get things done!

Okay, so the title of this post was meant to get your attention. Did it work?? I am throwing a radical idea out today.

Right smack dab in the middle of the consumer culture of christmas, I want to speak a minute about where we’re getting to with our financial goals. Do you ever feel that you work hard all day and when that paycheck comes in you sit down to send it all back out? A rat in a wheel spins that baby all day long and is tired from the exercise but really didn’t go anywhere. I’ve been there, done that. I’ve felt the stress of juggling due dates of bills vs. when the paycheck comes in. I’ve longed for the purchase of some item I just had to have, and it seems the only way to buy it is on a monthly payment. Where was I getting to with this lifestyle?
Enter the world of the radical for a minute. This is when it’s time to get control of your money instead of it controlling you. How about the first moment of clipping your credit cards and never again using their Capital to Chase your future into the American Distress? How would you like open and honest communication and assistance from your spouse on handling the finances as a team? What about the power of walking into the store buying exactly what you want and not having to do any mental math on how it affects your checking account? What if your mailbox seems to be emptier every time you check it from paying off those little nagging medical or store credit debts?
Go in your mind to the drivers seat of your paid for car. I guarantee it will drive better. Then remember that you’ve freed up another $300 or $400 dollars per month. Where did that go? Now it’s time to see a balance of savings piling up in your emergency fund. How about the moment that your car’s tranny goes out and you get to decide to put in a new one with cash or just pay cash for a whole car instead? What about the understanding that your retirement will be well funded because you made strides today that your 65 year old self will love you for?
Finally, (and I love this one 🙂 What about pulling into the drive of your paid-for home, having been living debt-free for several years, and this is the night that you decide to write a 5-figure check to anonymously help a family in need. You can relate to the stress this family is under. This money is extra, above and beyond what you need for yourself. Then you have the power to drop a money-bomb on them and change their futures forever… Radical? Yes. Possible? Absolutely!
In the world of the radical there are some sacrifices and things to be cut back on. You will and should feel weird about some of the changes you’ll make. There are huge gains to be enjoyed from stepping off of the revolving hamster wheel and starting to use your energy to propel yourself truly forward. I hope this little journey has been fun. The real thing REALLY is fun. I can attest to that.
I hope your holidays are going great. I am offering discounts and lots of free material on my website for you to utilize, please take advantage of them as you step toward a Radical new lifestyle!
“True Nobility is not about being better than someone else. It’s about being better than you used to be.” – Dr. Wayne Dyer

Sincerely,

Aaron Nichols

True North Financial Fitness Coaching
aaron@truenorthffc.com
http://www.truenorthffc.com/
785-218-6134

Free 30 Minute Financial Analysis – No Obligation – Completely Confidential

Windshield or Rearview??

Happy Thursday as the sun shines and cool weather has set in.

Today’s question seems simple enough… “When driving to work this morning did you happen to look out of windshield of your car or did you only use the rearview mirror?”

Silly question right? It would be terrible if everyone decided to use their rearview mirror to drive all over town. I think my friend Kevin would have a lot more work in his industry as an auto insurance adjuster!

Financially how are you driving? Do you know how much you’ve spent every month, feel comfortable about that and use the past month’s expenses to know exactly the amount it took to make it to the end? This would technically be the same as driving using your rearview mirror. Some people even write out their “budget” and have expenses marked down on a nice spreadsheet and track them very clearly. This is a step in the right direction, although we are still focusing on where we’ve been and not where we’re going.

Just like our cars, the best way to navigate financially is to look forward, see what’s ahead and plan to steer around the curves and stop when we come to an intersection. A Pre-Planned Zero Balance Budget is the best way to plan your month’s money. We start by looking forward into the upcoming month, writing down our income that we expect to bring in, and then working down the list of expenses until every dollar has been spent. Also this should be done at the beginning of each month because expenses change as the months change. We can plan our lives a month at a time and make adjustments along the way knowing that we are staying on the road we’ve planned out the entire time.
Some folks have irregular income amounts and may feel it’s impossible to plan things out this way. On the contrary, it is even more important to get a written plan ahead of time to know where to put money as it comes in. With the same form that you can download in the link below, write out all your expenses for the upcoming month. Then in the left column put a priority number on each expense. #1 would be food, then utilities, then house payment, then car gas, payment & insurance… Food, Shelter, Clothing & Transportation are the 4-walls it takes for all of us to live.  Make sure and spend out categories up to the amount you expect to bring in and beyond. Then as the money comes in, pay yourself into each category by the numbered order on the list. Do not spend money on a credit card bill or to eat out until the house payment is paid. This will make sure your basics are taken care of and you have a plan for each dollar as it arrives.

Click Here for Aaron’s Zero Balance Budget Tool -on the Resources page at TrueNorthFFC.com where I’ve uploaded my Zero Balance Budget Tool and some other great documents to help you get your financial ferrari on the autobahn!

Now we have to be honest here… Not everyone is looking out the windshield or the rearview… some are wearing a blindfold and mashing the gas! The results of this plan of driving are obvious. The car gets beatup, rides really rough and sometimes causes fender-benders with others out there on the road. By downloading my budget form and filling it out, we take off the blindfold and know where we are at. Seeing on paper how much we have coming in and going out helps us to know if we should slow down some spending or plan to pull into a service station!

All of us are really driving ourselves somewhere financially every day. I hope we are headed where we want to go! I would love some feedback on the budget files I’ve posted for download. Remember that you can get yourself going in the right direction, but if you need navigational help, a tune-up or overhaul, I’ll be at your service.

Money flows from those who don’t manage it to those who do. ~Dave Ramsey

Sincerely,

Aaron Nichols

True North Financial Fitness Coaching
785-218-6134
Free 30 Min Financial Analysis – No Obligation – Completely Confidential

The Fall

Welcome back to Ready For Better, I’m glad to have you here!

The air is cooler. Daytime is shrinking. A change is happening. The leaves are showing a slight breeze from the North today. Their hues hint at what is coming. Nature is aware of the future, and is preparing now.

How does our personal financial life relate to this time of the year? Can we see and admire the ways of our environment? Let’s walk through the Eastern Kansas landscape just a bit…

Saving money for our future is something that most of us are aware we should be doing. A farmer needs to feed his cattle when there is no green grass in February… his Hay-Savings Account, The Big Round Bale, will pay off on a cold and snowy day.

Some trees sensed the trend early, and cut away all their leaves. They know how to be patient. Full of all the energy they gained since spring, there’s plenty in reserve to wait until it’s return.

When we’ve stored our money, the way they store their energy, we are able to withstand a harsh winter’s blast like an emergency car repair, unforeseen medical event or even the loss of a job.

The life of these leaves is nearing it’s end. They were twitterpated buds in the spring. They basked in the summer’s sun. They nourished the plant who gave them life and enjoyed the community of their friends and family around them. Now, when it’s almost over, they show new color in their final hurrah!

When we’re in the fall season of our lives, let’s plan to color-up the world around us with a financially vibrant retirement! It is possible for us to live out our dreams and enjoy those years while giving generously as well. Planning starts today. Our current lifestyle has great impacts on the lifestyle we’ll have in the future. Is our vision as forward-thinking as these plants??

Even in these short days, we see the blooms and bursts of colorful flowers. Fall is not all about the end. While we’re saving, while we’re planning for the upcoming, let’s also remember to smile and be thrilled with our own true colors. Budgeting and controlling our money has nothing to do with keeping us dull and brown and blah. We can and should be enjoying the richness and fullness of life along the way!

When we back up and take in the big picture view, we see the bounty of life and appreciate it. Hopefully we’ll appreciate our own bounty, our own potential to create a future for ourselves that is colorful and wisely planned for.

Truly enjoying today to the fullest is easiest when we have little fear of tomorrow. Saving for emergencies, big purchases and our future is a great way to do that. Having a spending plan for now that includes savings, allows us to have a vividly living and giving plan later.

When You’re Ready for a Better Later, Call Me Now. Your future-self will thank you!

Sincerely,

Aaron Nichols

True North Financial Fitness Coaching
785-218-6134
aaron@truenorthffc.com
http://www.truenorthffc.com/

FREE 30 Minute Consultation – No obligation – Completely Confidential