How to Stay the Course

How can you storm past the obstacles in your path to success? 

Imagine you're running a race on an obstacle course. If you keep your head down and merely jogged you won't have the momentum you need to jump the hurdles (knocking them down won't make you lose points in this race) or scale the walls.

To achieve your ultimate success without being knocked off-course, you'll need two tools:

•      Endurance
•      Destination  

Fuel for the Journey

The best athletes know that rest is as important as practice. In order to knock obstacles out of the way, achieve your goals, and stay the course, take time daily to refuel and recharge. How you feed your mind is just as important as fueling your body. Consider who you're around, what you read and what you listen to as your fuel. We don't want to run our race on empty. Let's build our endurance muscles for those obstacles by feeding our mind and body with the best ingredients and let's educate ourselves on how to best meet our goals.  

Maintain Your Momentum

Although some love moving fast! It's not always best to go from 0- 80, however once we build our momentum and get our energy flowing we're able to regulate the ebb and flow. Some hurdles call for a high leap and others a strategic climb, however, all require momentum. Whether the goal is to lose weight, start a business or save money, you have to be consistent. Hurdles will come, like gaining 2 pounds this week or those super cute pair of shoes on sale, however working diligently with the finish line in mind (even if it's not in view) will help keep you on track.  

Destination = Vision

We know the finish line is there however, we can't always see it. You already know where you’re going so on the other side of a mountain of debt, is financial freedom. On the other side of that paperwork is a non-profit status so you can serve in a greater way.  You know exactly where you're aiming to be, so let's view the markers along the race letting you know where you are. Writing your goals and having an accountability community is so important. Share your vision, it doesn't mean everyone will agree with you however you can find that partner to help you stay accountable to your ultimate goal. You may have heard, "get an accountability partner" before, however its particularly impactful when you're faced with obstacles or stumbling blocks on your path towards success. Make the time, ideally a few minutes each day, to visualize your success. Imagine it! Feel the joy! Truly building out the experience in your mind will help to make it a reality.

Building your endurance for the journey and keeping the vision of your ultimate success will ensure that you turn mountains into molehills.

How will you build your endurance to overcome your current obstacles? Let us know in the comments below. 

About the author: Sister Mothyna James-Brightful is a self proclaimed “Self Love Revolutionary”. She has spent the last decade empowering women and girls to live authentic lives. Sister Mothyna is the Visionary Director and Co-founder of Heal a Woman to Heal a Nation. Sister Mothyna is co-author of Because I am a Queen...100 Affirmations for Daily Living and author of Engage.Inspire. Prevent. Educating Teens on Sexual Violence. Stay connected www.hwhn.org: Twitter @mothyna

Three Feet from Gold

Excerpt from THINK AND GROW RICH by NAPOLEON HILL

THREE FEET FROM GOLD

One of the most common causes of failure is the habit of quitting when one is overtaken by temporary defeat. Every person is guilty of this mistake at one time or another. An uncle of R. U. Darby was caught by the "gold fever" in the gold rush days, and went west to DIG AND GROW RICH. He had never heard that more gold has been mined from the brains of men than has ever been taken from the earth. He staked a claim and went to work with pick and shovel. The going was hard, but his lust for gold was definite.

After weeks of labor, he was rewarded by the discovery of the shining ore. He needed machinery to bring the ore to the surface. Quietly, he covered up the mine, retraced his footsteps to his home in Williamsburg, Maryland, told his relatives and a few neighbors of the "strike." They got together money for the needed machinery, had it shipped. The uncle and Darby went back to work the mine.

The first car of ore was mined, and shipped to a smelter. The returns proved they had one of the richest mines in Colorado! A few more cars of that ore would clear the debts. Then would come the big killing in profits.

Down went the drills! Up went the hopes of Darby and Uncle! Then something happened! The vein of gold ore disappeared! They had come to the end of the rainbow, and the pot of gold was no longer there! They drilled on, desperately trying to pick up the vein again-all to no avail.

Finally, they decided to QUIT. They sold the machinery to a junk man for a few hundred dollars, and took the train back home. Some "junk" men are dumb, but not this one! He called in a mining engineer to look at the mine and do a little calculating. The engineer advised that the project had failed, because the owners were not familiar with "fault lines." His calculations showed that the vein would be found JUST THREE FEET FROM WHERE THE DARBYS HAD STOPPED DRILLING! That is exactly where it was found!

The "Junk" man took millions of dollars in ore from the mine, because he knew enough to seek expert counsel before giving up. Most of the money which went into the machinery was procured through the efforts of R. U. Darby, who was then a very young man. The money came from his relatives and neighbors, because of their faith in him. He paid back every dollar of it, although he was years in doing so.

Long afterward, Mr. Darby recouped his loss many times over, when he made the discovery that DESIRE can be transmuted into gold. The discovery came after he went into the business of selling life insurance.

Remembering that he lost a huge fortune, because he STOPPED three feet from gold, Darby profited by the experience in his chosen work, by the simple method of saying to himself, "I stopped three feet from gold, but I will never stop because men say v no' when I ask them to buy insurance."

Darby is one of a small group of fewer than fifty men who sell more than a million dollars in life insurance annually. He owes his "stickability" to the lesson he learned from his "quitability" in the gold mining business.

Before success comes in any man's life, he is sure to meet with much temporary defeat, and, perhaps, some failure. When defeat overtakes a man, the easiest and most logical thing to do is to QUIT. That is exactly what the majority of men do.

More than five hundred of the most successful men this country has ever known, told the author their greatest success came just one step beyond the point at which defeat had overtaken them. Failure is a trickster with a keen sense of irony and cunning.

It takes great delight in tripping one when success is almost within reach.

3 Habits of Millionaires You Should Adopt

We’ve all seen the lists that come out every year naming the wealthiest people in the world and the country. The billionaires and millionaires, individuals whose net worth are in the millions and billions not the people who simply make millions (yes there is a big difference). People who build wealth tend to be focused. They keep their eyes on the prize and most think big and outside the box. These traits combined with some other key habits are exhibited by millionaires and are the reasons they have and keep their millions.  Here are some concrete habits you should adopt.

Habit #1: Millionaires are frugal.

When people think of the word frugal most go straight to the concept of being miserly, instead of careful with money or not wasteful.  Usually a frugal person is considered to be a cheap person who tries to skimp on everything. However, let’s turn that on its head. Millionaires are some of the most frugal people. You may immediately think, yeah sure they are…that $500,000 car and multi-million dollar home is really frugal. But it’s true, millionaires are frugal. For example, I watched an interview where Warren Buffet, the second wealthiest person in America at a net worth of $58.5 billion, said he’s had the same wallet for twenty years! Twenty years! If anyone can afford a new wallet then Warren Buffet can right. However, it’s not just about the fact that he could afford it. He spends on what he truly enjoys and is frugal about everything else. That’s the true luxury in frugal living (the motto you see blasted on this site). Spend as extravagantly as you want on the things that you love and be frugal with the things that are not as important to you. Sure, millionaires have very expensive items and toys but they made sure to have the income or assets to pay for those toys before they purchased them. No credit used. No debt incurred.

Habit #2: Millionaires keep it slow and steady.

You don’t see millionaires trying “get rich quick schemes.” There are proven methods to build wealth and increase your net worth and they aren’t quick or overnight, with the exclusion of inheritance or winning the lottery. The term is “build wealth” for a reason, you must build it. You will need to use long-term money solutions such as a 401(k) and investments outside of retirement accounts to build wealth. Continuously contribute to retirement accounts to reach your nest egg goal; yes you should know how much you will need, the exact dollar amount. You have to know what the prize is to keep your eyes on it. Investing takes time to see steady gains. The average return on investment in today’s market hovers between 9-10%. I would need to write several articles to explain details about investing, but basically you need to leave the money in the market for years to see such returns. 

Habit #3: Millionaires buy assets not liabilities.

When you get your paycheck and you make a list of the things that you’re going to buy, what is on that list? Is every item a liability, something that you will spend money on that doesn’t make you any money? If yes, then you’re falling into the cycle that many of us do. We use all of our income to purchase liabilities and don’t spend any money on purchasing assets. Assets are things that bring in money without you putting additional money, time and energy. Millionaires work on continually acquiring assets or investments that can bring in money. Create a plan on how and when you’ll purchase more income generating assets.

Pair your determination, focus, and knowledge with these habits so you too can start building wealth and raising your net worth. You can do it. 

About the author: Maria James has a compassion for people that makes her involvement in Heal a Woman to Heal a Nation a sure fit. She is a biomedical scientist who is public health conscience and has always worked for the betterment of others. Maria is the founder of Pocket of Money, LLC which provides tools and tips to help you take control of your money and live your best life.