Archives For December 2011

New Year Resolutions

New year resolutions. I’ve never been a fan. I don’t keep them because I don’t make them. I don’t make them because I don’t keep them either.

New Year’s Day: Now is the accepted time to make your regular annual good resolutions. Next week you can begin paving hell with them as usual. ~Mark Twain

Most new year resolutions are about how to loose weight and how to manage your money. Why is that? Probably because Americans and Brittans spend and eat too much.

We all need improvement and a new year is a great chance to make these changes.

Make Goals for 2012

2011 is almost over and you want to change. You want 2012 to better than 2011. Twenty Eleven has been a tough year for many of you economically, relationally, spiritually…in short its be hard and you’re tired of crying, going backwards, and being hurt. It can be a better year.

This year, 2012, make goals instead of resolutions. You might have heard this before, but have you actually done it? Have you taken the time to sit down and actually write down goals?

If you choose not to make goals, then you are actually choosing not to achieve and be better. Not deciding is a decision.

5 Easy Steps for Goal Setting

  1. Get away to to a quiet place with a pen and paper or use your I-pad if you are techie for a few hours.
  2. Reflect on the past year. Read a journal (aka your Facebook page), look at your pictures, and journal about the past years pain and triumphs.
  3. Pray (talking and listening) and think about what you need to change. This might included adding or subtracting things, people, or activities.
  4. Write down those things that you are going to change. Yes, write them down and put them in a place where you’ll see them every day. *Bonus Make your Goals SMART
  5. Tell a friend who’ll keep you accountable and help you reach that goal.

* SMART Goals

S- Specific 

M-Measurable

A- Attainable

R- Realistic

T- Time Bound

Action: Write your goals and share with a friend or you can share below in the comments. Happy New Year!

(Photo by Rob & Jules)

Christmas is not a time nor a season, but a state of mind. To cherish peace and goodwill, to be plenteous in mercy, is to have the real spirit of Christmas.
-Calvin Coolidge

Merry Christmas

 

Want to register for the Dave Ramsey book? Comment on the Christmas Giveaway post. Winner will be chosen on Friday Dec 16th.

What do you think of our first video? Comment below if you’d like to see more in 2012.

Screaming Santa

Don't be left crying in January!

Many of you have finished your Christmas shopping, not me of course. That will have to wait till later. Some of you have already overspent more than your budget allows, haven’t you?

Don’t feel too bad. In the UK, 1 in 3 will go into debt this year due to Christmas spending, and 58% of that will be on credit cards. In the U.S. The average family will spend $646.00 on gifts this year (2011).

You even bought yourself a Christmas present too, didn’t you? I know you did, because that’s what Americans do. We buy stuff we don’t need with money we don’t have. Then we pay for it later, much later.

Santa will bring your kids gifts, but he won’t be around for the rest of year when the credit card statements start coming in January.

Let’s put this into numbers. Say you are average with buying $646.00 worth of Christmas gifts on credit cards at 14%. Your minimum payments will be $15 and it will take 61 months to be rid of that debt and you’ll pay an additional $256.74 in interest. Ho Ho Ho Merry Christmas!

Why not spend within your means for Christmas, so you won’t need debt coaching next year? The kids will just play with the boxes and wrapping paper anyway.

Better yet, try Advent Conspiracy and give relationally. Live a debt free Christmas

This year we are attempting to spend $167 on Christmas gifts. Why so little?

Well, that is what we saved up and we don’t want to spend our Emergency Fund or go into debt. I’ll post more on if we stayed in budget and how we did it for so little (don’t want to spoil any gifts).

(Photo by RaGardner4)

Thanks for being part of the community at On Target Coaching! Thanks for RSS, commenting, Re-tweeting, and supporting me. Occasionally I’ll be writing posts to YOU, the readership and community of On Target Coaching, with how the Blog Life is going.

I blog and/or read blogs every day. It’s the Blog Life. This was my first Monday-Friday week of full time blogging and coaching as the previous weeks have been holidays and traveling.

There is a learning curve for working at home, especially when your spouse also works from home and takes care of your cute son. These are some things I’ve learned these past few weeks:

  • I need to get out of the house. I worked a few hours outside the home and got a lot done. It was good for both me and my wife’s sanity. I also got a lot done and had some good coffee.
  • I need to take time and focus on my wife. With all the recent changes, I need to make sure there is uninterrupted time where we can be alone and talk (not about $ or the businesses).
  • I really like writing and growing my business. A friend commented that I am much happier now that I’m self-employed. I think they’re right! I’m ruined for life.
If you have any suggestions for how I can improve your experience, let me know below in the comments or via Twitter @ontargetcoach or Facebook