Here are 10 quotes that really make you think

If you’re anything like me dear reader then I’m sure you’ll enjoy a good quote.

In particular, I do love quotes that really make me think. Quotes that help me reflect on life and its meaning. How about you?

Certainly most quotes from the great thinkers tend to get me thinking about life and reflecting on its meaning and the human condition.

So today I offer you 10 quotes that will really make you think. Certainly they all made me think, so I’m sure you will too dear reader.

Enjoy them all and see how many of them that you can put to good use.

Quotes that really make you think:

  1. One of the symptoms of an approaching nervous breakdown is the belief that one’s work is terribly important. ~Bertrand Russell
  2. Fashion is what you adopt when you don’t know who you are. ~Quentin Crisp
  3. You have to be careful if you don’t know where you’re going because you might not get there. ~Yogi Berra
  4. Two things are infinite: the universe and human stupidity; and I’m not sure about the universe. ~Albert Einstein
  5. Behind every successful man stands a surprised mother-in-law. ~Hubert Humphrey
  6. Believe you can and you’re halfway there. ~Theodore Roosevelt
  7. Gold medals aren’t really made of gold. They’re made of sweat, determination, and a hard-to-find alloy called guts. ~Author Unknown
  8. Even the greatest was once a beginner. Don’t be afraid to take that first step. ~Author Unknown
  9. The greatest advantage of speaking the truth is that you don’t have to remember what you said. ~Author Unknown
  10. It is your attitude and not your aptitude that determines your altitude. ~Zig Ziglar

Please share this post on social media:

So dear reader, was this post worth a little piece of your time? Did you enjoy reading it?

If you were impressed then please share it with your friends on social media.

People really do love quotes, so share them now. You might just inspire a friend to take the next big step forward in life. When you share, everyone wins.

And if you could share this post I’d be ever so grateful. You’d be helping a keen blogger reach a wider audience. Thank you.

Other articles you may also find interesting:

© Roy Joseph Sutton and Mann Island Media Limited 2019. All Rights Reserved.

Your philosophy for life matters. Here’s why

Philosophy for LifeDo you believe your own philosophy for life is important dear reader?

What do I mean by ‘your own philosophy‘?

In this case I’m not referring to the fundamental nature of knowledge, reality and existence and people like Aristotle.

By philosophy I’m referring to your mind-set, whether it’s positive or negative, and how you choose to see the world around you.

I believe personal philosophy really does matter.

I think how you choose to look at life and the world around you will influence your life experiences to a greater degree than you might expect. It’ll also influence how happy you’ll be.

My own philosophy for life is simple.

Firstly I accept the world around me is the world around me. It is what it is. Stuff happens and I have little or no control over most of what happens. That’s just life.

Politicians will come and politicians will go. They’ll promise much but deliver very little usually.

Philosophically I accept that which I cannot influence directly. I see little point in worrying about any of it. Why worry about stuff you can’t change?

In my experience people will always look after their own interests first.

That’s fair enough if you think about it because why would they do otherwise? If they don’t look after their own interests then no one else will that’s for sure.

The underlying point here is that most of what’s happening around us is all just noise really. All we can do is work around it. And basically that’s what I try to do.

I focus on my own interests and those of my family and I always do my best to protect what’s mine. My family will always come first and I will do anything for them. Well, anything that’s legal at least.

To do the best for my family I recognise that I have to be the best that I can be. To have skills and knowledge that will allow me to add as much value in my work as I possibly can. So I take personal development seriously. That way the more value I can add the greater will be my income.

I’m a reader and a keen learner and I’m constantly working to add to my skillset and knowledge. Learning for me is a lifelong process, it never stops, and I will keep learning until I no longer have the energy to pick up a book.

I believe that the better informed we are then the better prepared we’ll be to excel in our chosen field of work. We’ll also be better prepared to seize any opportunities that come our way too.

Let’s face it dear reader, work is just doing stuff for other people in exchange for money.

We work in order to generate income. And we generate income to put bread on the table and a roof over ourselves and the heads of our loved ones.

Whilst work gives us a sense of purpose and adds value to our lives, we should not live just to work. The idea should be to work to live. Well I think so anyway.

We must work hard when we’re at work of course but we must enjoy life with family as much as possible too. As they say where I come from, we’ll be a long time dead.

My aim in life is to be financially independent with multiple income streams.

With multiple income streams there’s a reduced risk of not having any income at all. I think it makes sense not having all your eggs in one basket.

Essentially I see life as a game. And my aim is to become a master of the game of life.

We must look after our own interests because no one else will.

We must be prepared to be ruthless when necessary. By that I don’t mean being nasty or mean to people but if you don’t push hard sometimes, chances are you’ll lose out to those who are willing to make good use of their elbows.

My point is that we can’t afford to be overly sentimental and on occasions in making the right decisions for us it may prove to be less favourable for someone else.

If that happens, that’s life I’m afraid. We must make decisions that are right for us.

Sometimes you really have got to be prepared to use your elbows if you’re going to grab your fair share of life’s pie. Don’t be too willing to let other people go first. You might find there’s nothing left for you.

As always there’s a balance to be struck of course but never lose sight of your own interests and never do anything which works against your own interests.

There is no utopian place where all’s well and the sun shines every day. Life’s life. Some of it’s good and some of it’s not quite so good.

However in the end it’s what we make of it that counts. We get out what we put in. There’s no free ride for anyone. On Spaceship Earth we’re all crew.

All you can do with life is deal with it as best you can.

Enjoy the summers but make sure you’re prepared for the winters too. Winters always follow summers, so be prepared.

Enjoy the good times and when life gets difficult all you can do is take it on the chin and move on.

Worrying about anything you cannot control just steals your joy and spoils your day.

Life’s too short. Do what you can, with what you have, where you are and most of all enjoy every minute because the years all go by in the blink of an eye. So don’t die before you’ve lived.

Please share this post with your friends:

Did you find this article interesting and useful?

If so, then please share it on social media with your friends. When you share, everyone wins.

So please share it now. If you do I will be ever so grateful and you’ll be helping a keen blogger reach a wider audience.

Thank you.

Other articles you might also find interesting:

© Roy Joseph Sutton and Mann Island Media Limited 2019. All Rights Reserved.

15 amusing quotes by Spike Milligan

I love to read amusing quotes by Spike Milligan. He was undoubtedly a man with a funny bone.

In case you’re not familiar with his name, Spike Milligan was a funny, irreverent and much loved comedian and staple of British television and radio for many years in the post-war era and right up until his death in 2002.

Born Terence Alan Milligan in India, he was the son of a British Army Captain of Irish descent and an English mother.

In addition to being a wonderful comic performer, probably best known for his work with the Goon Show, he was also a successful writer, poet, playwright and actor.

Though he spent much of his early life in India, the majority of his adult life was spent in the United Kingdom.

However when the Commonwealth Immigrants Act removed Indian-born Milligan’s automatic right to British citizenship in 1962, despite his own service in the British Army as well as his father’s, he became an Irish citizen, exercising a right conferred through his Irish-born father.

I think he was a genuinely funny man and to prove it, here are 15 of his razor-sharp quips. Enjoy them all.

Quotes by Spike Milligan:

  1. All men are cremated equal. ~Spike Milligan
  2. All I ask is the chance to prove that money can’t make me happy. ~Spike Milligan
  3. I thought I’d begin by reading a poem by Shakespeare, but then I thought, why should I? He never reads any of mine. ~Spike Milligan
  4. Are you going to come quietly, or do I have to use earplugs? ~Spike Milligan
  5. Money couldn’t buy friends, but you get a better class of enemy. ~Spike Milligan
  6. I’m a hero with coward’s legs. ~Spike Milligan
  7. How long was I in the army? Five foot eleven. ~Spike Milligan
  8. I turned and rubbed my hands with glee. I always keep a tin of glee handy. ~Spike Milligan
  9. I can speak Esperanto like a native. ~Spike Milligan
  10. I’m not afraid of dying, I just don’t want to be there when it happens. ~Spike Milligan
  11. Contraceptives should be used on every conceivable occasion. ~Spike Milligan
  12. Life is a long agonized illness only curable by death. ~Spike Milligan
  13. A bird in The Strand is worth two in Shepherd’s Bush. ~Spike Milligan
  14. A family man from Siberia; As a father was very inferior; But one operation; Revised the situation; And now he’s Mother Superior. ~Spike Milligan
  15. And God said, ‘Let there be light’ and there was light, but the Electricity Board said He would have to wait until Thursday to be connected. ~Spike Milligan

Please share with your friends:

Did you find these quotes by Spike Milligan amusing?

You did? I hope so anyway.

If that is the case then please share them with your friends because when you share everyone wins.

So share them now on social media. If you can do that for me then it will be truly appreciated.

Thank you.

Similar articles you may also find interesting:

© Roy Joseph Sutton and Mann Island Media Limited 2019. All Rights Reserved.

How to develop effective time management skills

Time Management Skills1. Time Management Skills:

Developing effective time management skills is an essential ingredient for success, I’m sure you’ll agree. You can’t add real value without making the best use of your time.

However making the best use is not always easy in practice, is it?

So, how good are you dear reader at managing your time?

Do you have a reputation for being ruthlessly efficient and productive or are you someone who’s always struggling to keep up?

When someone asks you to do something in the office, do you accept their request without question and simply add the task to your ‘To Do’ list? If you do, you’re not alone. Many people will do that in my experience.

Alternatively, perhaps you’re the type who thinks carefully relative to your priorities before you accept such a request? Now be honest. We’d all like to think we’re the latter, when in fact far too many people are the former I think.

2. Productivity is what really matters:

In the world of work it’s easy to confuse being busy with being productive but these two concepts are not the same thing at all, are they?

For instance, you can be busy doing things that don’t really need doing at all. Whereas being genuinely productive means delivering real results from high value tasks which can only be done by someone with your skills.

And let’s face it, reputations are built by being productive not merely by being busy. It’s the results you deliver not energy you expend that matter most.

3. Time is your most precious resource:

How often do you hear someone say, “Oh, I would love to do that, if only I had the time.

And yet we all have exactly the same amount of time, i.e. 168 hours per week.

Time is simply a resource like money, albeit it’s more important than money. I say that because you can get more money but you can’t get more time. None of can do that, can we?

So you must learn to use your time wisely. Time is your most precious resource, so you must develop effective time management skills.

4. High value tasks must take precedence:

Modern pressures mean it’s easy for us to try to do too many things. We can all be a bit like that, including me dear reader.

Our lives are cluttered with too many activities, too many objectives, too many distractions and far too many demands on our time.

The result is that we tend to lose focus on what really matters most and in the end we don’t do anything as well as we should have done.

In my experience, in most jobs you’ll find that 90% of productivity is down to completing the top three or four major activities within that job. What I’d call high value tasks.

If you take the top three major activities, the high value tasks, associated with your job and focus on those to the exclusion of just about everything else you’ll almost certainly maximise your productivity and efficiency.

5. The most common time management mistake:

The problem is, when we’re working, we seem to find it easier to focus on minor tasks and random actions requested by other people.

We feel obliged to accept requests from others. It’s a common mistake of which we can all be guilty.

Now, whilst tidying up all those minor tasks might make us feel like we’re achieving some quick wins we’re usually fooling ourselves.

By the end of the day we’re usually left with a sense that we haven’t done all we should have done and that leaves us feeling stressed.

And that’s when we start to think about how we might improve our time management.

6. We can’t do everything, nor should we try:

We must recognise that we can’t do everything but we can be selective about what we choose to do.

And if we’re going to get those major tasks of higher value completed then they must take precedence over those low value, minor tasks, which can always wait if necessary.

High value tasks should always take precedence over low value tasks.

7. Work smarter:

People often think of time management as a skill which would allow them to work faster. Well let me tell you this, that’s not the idea at all.

Effective time management skills allow us to work smarter, rather than harder.

Instead of getting lost in the minutiae of everyday life, with effective time management skills, we focus on and prioritise those things that will add most value to our productivity. In other words, we focus on high value activity.

8. The law of three:

So. if time management is an issue for you dear reader, start by taking a good hard look at your list of daily activities and ask yourself these three questions:-

  1. What single task can only I do and when completed by me will add the most value to the business?
  2. What’s the second task on my list only I can do and when I’ve completed it would allow me to add the most value to the business?
  3. What is the third task on my list only I can do and when completed by me will add the most value to the business?

Once you’ve identified your list of three major, high value tasks then that’s where your focus should be each day before you touch any other minor tasks or accept random requests from other people.

9. The most powerful time management tool:

The point of work is to deliver results. You’ll deliver the best results if you concentrate on your top three major tasks first.

And never forget that you’ll be be judged by the results you actually deliver. No one cares what you had to do for someone else, they only care about the results they expected from you.

Your time is your time and you must decided how it is to be used most effectively.

Just because someone asks for a piece of your time doesn’t mean you’re obliged to give it to them at the expense of your own productivity. Never be afraid to deploy the most effective time management tool of them all.

And what is the most effective time management tool? It’s the word NO.

Think of the word NO as a baseball bat.

Whenever someone makes a request of you then NO is the means by which you can whack that request right out of the ballpark.

10. Be in control of your time at all times:

You’re not obliged to agree to a request even if someone asks nicely. It’s reasonable to be working to your own priorities.

All too often we feel obliged to do things for other people when actually we should have just said politely, “No, I’m really sorry but I can’t do that right now for you because I have to deliver this by 5pm and it’s a priority.”

If our personal productivity matters to us, and it should, then our focus should always be on our own major, high value deliverables.

Unfortunately we allow ourselves to be driven by the agendas of other people.

However that’s not good for our productivity, nor is it good for our well-being and stress levels.

11. People will take everything you’re prepared to give:

I can tell you from experience that other people will take everything you’re prepared to give and a bit more besides. That’s the nature of people.

However if you fail to deliver what you’re actually being paid to deliver, then no list of incidental work completed for other people will be accepted as an adequate plea in your defence when your boss wants to know why you’ve failed to deliver your own high value results.

If you’re painting my house I’ll measure you on the quality and timeliness of your work, not the amount of help you gave to my neighbour by, say, looking after her dog.

What you do for other people is irrelevant to me, should you fail to deliver what I’m actually paying you to deliver.

12. Focus on your priorities:

In reality if your colleagues can’t get something done by you they’ll simply ask someone else. So let them.

Why worry? Just be very polite when faced with a random request but say NO firmly. I can tell you this, you’ll have to be disciplined but it’s a habit well worth developing.

We can all be guilty of expending far too much of our energy helping other people achieve their aims, to the detriment of our own interests and our ability to deliver our own high value results.

To achieve anything of significance in life we must be focused on our own major activities.

We must concentrate on completing our big three major high value deliverables daily and focus relentlessly on working towards achieving our own goals generally.

13. The need for balance:

If you’re asked to do something then it’s perfectly reasonable to say NO, if to do otherwise would prevent you from delivering the results you’re being paid to deliver in a timely manner.

Yes of course, occasionally there will be tasks you’re obliged to accept for whatever reason.

However mostly being firm in declining such a request is a sign that you’re assertive and in control of delivering as much value as possible.

Another polite but firm response to a request might be something like, “Sorry I would love to help you with that but I cannot right now because I have my hands full with the deadline for this project.

As with everything there is a balance to be struck of course.

Sometimes it’s in your interests to do someone a favour because one day you might need them to return that favour. That’s reasonable, providing you always retain a primary focus on keeping your main things, the main things.

14. Conclusion:

You should always ensure that you’re making progress towards achieving your big three deliverables and your own goals generally.

It’s perfectly reasonable to have your own agenda and a desire to achieve your own goals and add the greatest value only you can add.

If you want to make a difference, focus on your big three major activities.

Those activities which only you can do.

And to ensure that you’re doing that, don’t be afraid to use the most effective time management tool  of them all whenever necessary. The word NO expressed politely but firmly.

15. Further Reading:

In writing this article the aim was to convince you of the importance of your need for a transformation, should one be necessary for you to achieve better time management.

However you might feel you could use a little extra help. That’s fine and it’s always useful to add a good book to your personal reference library. And one book you might consider on this subject is:-

How to set your Personal Boundaries: Learn to say No and Protect Yourself from Overwhelming Stress by author Josie Baxter

In this book the author Josie Baxter explains in digestible chunks how we can learn to set boundaries and be able to say no when necessary.

She recognises that what should be a simple thing is in fact often quite difficult.

She acknowledges that it’s natural that people care about other people but potentially that can put us at risk if our tendency always is to say yes.

The risk being that we take on too much which can add to our stress levels and stop us from achieving our own goals. In turn this can lead to exhaustion and burn out.

Josie Baxter explains that it’s not selfish to care for ourselves first.

In fact she notes that it’s actually quite sensible.

The advice in this book is useful for all areas of your life and you’ll find it invaluable if you’re someone who struggles to set firm boundaries. It’s an excellent book and well worth considering.

You can take a look at it if you CLICK HERE.

DISCLOSURE: This website is an Amazon affiliate. Should you click on any of the links included in the text above and you then make a purchase, you should be aware that this website will receive a small commission. These commissions serve only to cover the cost of maintaining this site. Your understanding is truly appreciated dear reader. Thank you.

16. Please share this post with your friends:

Did you find this article interesting and useful?

If so, then please share it on social media with your friends. When you share, everyone wins.

So please share it now. If you do I will be ever so grateful and you’ll be helping a keen blogger reach a wider audience.

Thank you.

17. Other articles you might also find interesting:

© Roy Joseph Sutton and Mann Island Media Limited 2019. All Rights Reserved.

How to break a bad habit

How to break a bad habitWhen it comes to bad habits, we can all be guilty, at least to some degree. And many people frequenty consider the question, how to break a bad habit?

Do you have any bad habits dear reader? Now be honest with yourself.

I refer to those little, irritating patterns of behaviour you simply can’t help. Those obsessions you may have occasionally. Perhaps you have one or two bad habits you’d really like to break?

Now habits can be hard to break of course, particularly bad ones.

So here’s another question. Could you break bad habits simply by being more curious about them?

Well the psychiatrist Dr Judson Brewer certainly has an opinion to offer on that issue.

Dr Judson Brewer studies the relationship between mindfulness and addiction and in the TEDTalk included in this post he shares his views on everything from smoking to over-eating to all those other things we do even though we know they’re bad for us.

If you want to learn more about the mechanism of habit development then you’ll find this video interesting and it’s definitely worth watching.

If you have habits you’d really like to break then it would certainly make sense for you to learn more about how you developed those habits in the first place.

The more you understand the better you’ll be able to take action and break those bad habits.

So take a few minutes now and listen to what Dr Brewer has to say. It’ll be well worth a little of your time I promise.

How to break a bad habit:

Please share this post with your friends:

Did you find this article and the video interesting and useful?

If so, then please share it on social media with your friends. When you share, everyone wins.

So please share it now. If you do I will be ever so grateful and you’ll be helping a keen blogger reach a wider audience.

Thank you.

Other articles you might also find interesting:

© Roy Joseph Sutton and Mann Island Media Limited 2019. All Rights Reserved.

The 4 steps to financial freedom

Steps to Financial FreedomFinancial peace isn’t the acquisition of stuff. It’s learning to live on less than you make, so you can give money back and have money to invest. You can’t win until you do this. ~Dave Ramsey

Many people are searching for the steps to financial freedom. Search the internet and there will be references to seven, eight, nine and even ten steps but I think only four steps really matter.

However before I discuss those steps, let us first think about the biggest cause of people remaining poor, namely the burden of debt.

Statistics suggest that most people these days are heavily in debt. And debt is a burden that enslaves us. Knowing we have debts can be stressful.

What is the underlying cause of such debt? That’s simple. Mostly it’s the overuse of credit cards with little or no thought to how this will affect our financial well-being.

Unsecured debt built up through the excessive use of credit cards is very expensive.

That means even a small sum outstanding on a credit card can quickly become a large debt due to the effect of compound interest if you only make minimum payment each month.

Are you affected by debt dear reader? Are your finances out of control? Would you like to achieve financial freedom?

Steps to Financial Freedom:

Often I hear people say things like, if only I could increase my income I could pay off my debts.

In fact those same people, if they did increase their income, would probably just spend more. And financial freedom would still remain a distant dream.

If financial freedom is your aim then it’s essential that you take control of your finances. And the steps to financial freedom are as follows:-

1. Spend less than you earn:

It all starts with spending less than you earn. If you spend less than you earn you can work on becoming debt free and then start to build capital.

2. Pay yourself first:

You must always pay yourself first. What does that mean? It means that as soon as you get paid each month you take a minimum of 10% of what you earn and put it away somewhere safe immediately.

Never, ever wait until the end of the month to see what you’ve got left.

If you do that you’ll never save anything.

If you take 10% upfront it will just be another debit on your income like taxes and pension contributions. You’ll quickly get used to having only the remaining 90% to live on.

And what do you do with the 10% or whatever you’ve put away?

3. Eliminate credit card debt:

Initially if you have a credit card debt burden then it makes sense to use that money to deal with paying off your debt first because the interest you’ll pay on the debt is always greater than any interest you’ll get on savings.

To pay off your credit card debt it’s essential that you find a way to eliminate the interest element each month so that any payments you then make go against the outstanding balance.

And how is that done?

Well, when you take out a new credit card account it often comes with a period of zero interest, usually six months. These accounts also usually allow you to transfer in an outstanding debt from another credit card account.

So by moving from one card provider to another and transferring the debt across to the new account, you then have a period of six months to make payments against the outstanding balance without accumulating interest on the old debt.

Never, ever use this card to increase your debt. Use it only for reducing your debt.

At the end of the period of zero interest on your new card repeat the process if necessary. Once again, you move to another card account offering you a zero interest period. By focusing only on the outstanding balance it will be paid off quicker.

Eliminating the burden of debt is the first step on the road to financial freedom.

Freedom from debt will give you peace of mind. And peace of mind is a good reason for spending less than you earn.

Once the debt is cleared, what next with the money you’ve paid yourself first.

4. Build capital:

Initially put your money into a savings account. Then, as that builds into a larger sum, you can start thinking about other forms of investment like stocks, bonds and property.

Once you develop the habit of putting some of your money away each month it’s amazing how quickly it accumulates into a decent capital sum and you’ll be on the road to achieving financial freedom.

Conclusion:

Learn to live within your means.

If you live modestly and spend your money wisely, you can ensure that you have enough money when you really need it.

You can also build that nest egg for your retirement and give a little back to those less fortunate than yourself. And you’ll feel so much better about yourself too.

Conversely, gathering too much clutter through excessive spending on things you don’t really need can become stressful, as well as wasteful. The choice is yours.

Financial freedom is achievable and it will give you peace of mind.

You will sleep better knowing you’re debt free.

The steps to financial freedom are really quite simple. Spend less than you earn; pay yourself first; eliminate expensive credit card debt; and start building capital.

Do this and one day your older self will be grateful you made the effort I can assure you.

Please share this post with your friends:

Did you find this article interesting and useful?

If so, then please share it on social media with your friends. When you share, everyone wins.

So please share it now. If you do I will be ever so grateful and you’ll be helping a keen blogger reach a wider audience.

Thank you.

Other articles you might also find interesting:

© Roy Joseph Sutton and Mann Island Media Limited 2019. All Rights Reserved.

How to be financially smart

How to be financially smartI have only myself to depend on for my financial stability. ~Marie Helvin

How to be financially smart? That’s hard, don’t you think?

It’s much easier to get yourself into a financial mess, wouldn’t you agree dear reader?

Let’s face it, we all want it all and we all want it now, surely?

Certainly it’s not unreasonable to want to have some fun, is it? We all deserve a little bit of fun, surely?

And naturally you want to spend your money on lots of nice clothes and exotic weekends away with your friends too. Life’s too short not too, wouldn’t you agree?

The problem is, if you adopt this approach to life, your money’s spent before it’s earned. And that’s when you’re heading down the road to financial disaster if you’re not careful.

Some readers may argue that it doesn’t matter, as long as you’ve got your ‘flexible friend‘ to pay for everything. Life’s fantastic when you’ve got plastic!

And maybe it is, until you hit your credit limit and the bills start piling up.

Then your wardrobe is cluttered with clothes and shoes you’ll never wear and you’re burdened with expensive credit card debt which you’ll struggle to pay off.

And very soon a small debt becomes a large debt due to the ‘magic‘ effect of compound interest.

How does the story end? Basically it only ends one way. A financial mess, even if it was one you thought you could avoid.

Does this sound like you dear reader? If it does, you’re not alone.

However if you’re in a financial mess and you’re not sure who to blame, then just take a long, hard look in the mirror. The person to blame will be staring right back at you.

It’s not the fault of the government. It’s not the fault of your current or previous employers. Your parents are not to blame either.

You are captain of your own ship. So you must start taking responsibility for yourself and your own financial well-being. However, with a little bit of thought, it really isn’t difficult.

The first step is to stop wasting your money, buying things you don’t need in an attempt to impress people who don’t really care anyway.

If you’re thinking about how to be financially smart then remember this; Credit cards may be a convenient means of paying for things and they tend to be the preferred method of payment these days for young people. However they’re also weapons of mass wealth destruction. That’s a fact dear reader.

If you want to be financially smart then just follow these rules:-

Rule 1:

Never, ever buy anything on a credit card if there’s even the remotest possibility the you won’t be able to pay off your bill in full at the end of the month.

Credit card debt is unsecured which means that it comes with very high interest rates, always!

You must recognize that debt with high interest rates increases rapidly, if all you do is make minimum payment each month.

Rule 2:

Think carefully before you spend.

Ask yourself these questions before you make a purchase, whatever it is:-

      1. Do I really need it?
      2. Will I really use it?
      3. Can I live without it?
      4. Would the money be better utilized is some other way?
      5. Would I be better saving my money?

Rule 3:

Be sensible with your money. Spend it wisely and sparingly. 

Being sensible with your money might sound boring but it’s less stressful than the alternative, trust me. High levels of debt can be very stressful.

Conclusion:

How to be financially smart is not difficult.

The key to this is to avoid getting yourself into a financial mess in the first place. You’ll find that this is the least stressful approach to life.

However, if you’ve already got yourself into a financial mess, then don’t moan about it. Make sure you do something about it instead.

And that starts with paying off debts as quickly as possible and learning to spend your money wisely by following Rules 1, 2 and 3.

Please share this post with your friends:

Did you find this article interesting and useful?

If so, then please share it on social media with your friends. When you share, everyone wins.

So please share it now. If you do I will be ever so grateful and you’ll be helping a keen blogger reach a wider audience.

Thank you.

Other articles you might also find interesting:

© Roy Joseph Sutton and Mann Island Media Limited 2019. All Rights Reserved.

How to build confidence and self-esteem

How to build confidence and self-esteemRealizing your full potential would be an excellent definition for success, wouldn’t you agree dear reader?

Unfortunately that’s easier said than done, of course.

For many, if not most, people what’s going on in their head can be the greatest barrier to achieving their full potential. Could you be one of those people dear reader?

You want to achieve success but you’re full of self-doubt?

You don’t believe you’re worthy enough, perhaps?

You just don’t believe you can do it and generally you find it hard to believe in yourself?

And then there’s that old chestnut from which we all suffer occasionally, namely the fear of being found out.

It all boils down to lacking self-belief, a lack of confidence and low levels of self-esteem.

Ultimately all those negative thoughts prevent you from achieving your full potential and they’re a drain on your confidence and self-esteem too.

Negative self-talk not only drains your confidence, it also drains your emotions and it can rob you of the energy you need to work towards achieving your goals and becoming the person you’d like to be. And becoming the incredible person you really could be too.

Within us, we all have enormous potential.

That’s a fact that many people fail to appreciate.

We have so much to offer but for many people that potential goes unrealized.

Essentially many of us just waste so much of the potential we have to offer.

How to build confidence and self-esteemSo how do we become more confident and increase our self-esteem? Now there’s an important question.

The late, great Jim Rohn used to say, “Work harder on yourself than you do on your job.” And he was right in my opinion.

The more you work on yourself, the more confident you’ll become and the greater will be your sense of self-esteem. It really can be that simple.

In the embedded video included below, Oprah Winfrey gives us her views on why it’s important to work on yourself.

And let’s face it, Oprah Winfrey is extremely successful by any measure, so she’s one person to which we should all be listening, or at least those people for whom success is a goal.

If success is your aim, listening to successful people on a regular basis is a very good idea. Find out a few of their secrets and copy them and you’ll be well on your way to achieving and sustaining success yourself.

This is an excellent video and I can recommend it.

Working on yourself:

If this video has roused your curiosity about Oprah Winfrey’s ideas then she’s written many books and they’re all worth reading. You’ll find them all on Amazon. JUST CLICK HERE

DISCLOSURE: This website is an Amazon affiliate. Should you click on the link included in the text above and you then make a purchase, you should be aware that this website will receive a small commission. These commissions serve only to cover the cost of maintaining this site. Your understanding is truly appreciated dear reader. Thank you.

Please share this post with your friends:

Did you find this article and the video interesting and useful?

If so, then please share it on social media with your friends. When you share, everyone wins.

So please share it now. If you do I will be ever so grateful and you’ll be helping a keen blogger reach a wider audience.

Thank you.

Other articles you might also find interesting:

© Roy Joseph Sutton and Mann Island Media Limited 2019. All Rights Reserved.

17 quotes to inspire you to be all you can be

  1. quotes to inspire you to be all you can beThe only way to do great work is to love what you do. If you haven’t found it yet, keep looking. Don’t settle. ~Steve Jobs
  2. Nothing will ever be attempted if all possible objections must first be overcome. ~Samuel Johnson
  3. Every artist was first an amateur. ~Ralph Waldo Emerson
  4. Most of the important things in the world have been accomplished by people who have kept on trying when there seemed to be no hope at all. ~Dale Carnegie
  5. Whoever is happy will make others happy, too. ~Mark Twain
  6. You can never cross the ocean unless you have the courage to lose sight of the shore. ~Christopher Columbus
  7. Use what talents you possess. The woods will be very silent if no birds sang except those that sang best. ~Henry Van Dyke
  8. You are what you think about all day long. ~Dr. Robert Schuller
  9. The biggest mistake people make in life is not trying to make a living at doing what they most enjoy. ~Malcolm Forbes
  10. Don’t ask yourself what the world needs; ask yourself what makes you come alive. And then go and do that. Because what the world needs is people who are alive. ~Howard Thurman
  11. Spread love everywhere you go. Let no one ever come to you without leaving happier. ~Mother Teresa
  12. Success seems to be connected with action. Successful people keep moving. They make mistakes, but they don’t quit. ~Conrad Hilton
  13. That’s precisely the question everyone should be asking—why the hell not? Why not you, why not now? ~Timothy Ferriss
  14. The quality of a person’s life is in direct proportion to their commitment to excellence, regardless of their chosen field of endeavour. ~Vince Lombardi
  15. It takes courage to grow up and turn out to be who you really are. ~E.E. Cummings
  16. Do not let what you cannot do; interfere with what you can do. ~John Wooden
  17. Failure is the opportunity to begin again more intelligently. ~Henry Ford

Please share this post with your friends:

So dear reader, was this post worth a little piece of your time?

If it was then please share it with your friends on social media. When you share, everyone wins.

If you could share it now, I would be ever so grateful. You’d be helping a keen blogger reach a wider audience.

Thank you.

Other articles you may also find interesting:

© Roy Joseph Sutton and Mann Island Media Limited 2019. All Rights Reserved.

25 funny witty quotes that will seriously tickle you

Funny Witty QuotesI always get the best reaction from readers with posts that are full of content to make you smile. And that’s natural of course. We all need a good laugh, don’t we?

With that in mind I’ve been trawling the Internet and my personal journals looking for funny witty quotes which I hope you’ll enjoy dear reader.

Here are today’s 25 funny witty quotes that I’m confident will tickle you. Certainly they tickled me.

They’re all by Authors Unknown but they’re razor sharp and funny nevertheless.

So go on take a few minutes right now to have a laugh and enjoy them all.

Funny witty quotes:

  1. ‘Be yourself’ is the worst piece of advice you can give to some people.
  2. Some people just need a sympathetic pat on the head, with a hammer.
  3. HIM: How is it your single? HER: Surely you mean you’re?
  4. Arguing with a fool serves only to prove that there are two.
  5. Only dead fish go with the flow.
  6. Funny Witty QuotesThe only reason I’m fat is because a tiny body couldn’t hold this much personality.
  7. Life is not a fairy tale. If you lose your shoe at midnight you’re drunk.
  8. There are only two rules in life. No 1: Never ever give out all the information.
  9. You never realize how weird you are until you have a kid who acts just like you.
  10. If you have nothing to be grateful for check your pulse.
  11. Chocolate doesn’t ask silly questions. Chocolate understands.
  12. I’ve learned so much from my mistakes I’m thinking of making a few more.
  13. I started out with nothing and I still have most of it.
  14. We mature with damage, not with years.
  15. Life is short. So smile while you still have teeth.
  16. Common sense is like deodorant. The people who need it most never use it.
  17. Sarcasm is not an attitude. It’s an art.
  18. I have an irrational fear of wasting a good outfit on an insignificant day.
  19. Whoever said that nothing is impossible has never tried slamming a revolving door.
  20. The only time a woman is helpless is when her nail polish is drying. Otherwise, watch out.
  21. The first thing you lose on a diet is your sense of humour.
  22. Everyone has the right to be stupid but you’re abusing the privilege.
  23. If you don’t like the way I drive then stay off the sidewalk.
  24. If at first you don’t succeed then skydiving’s not for you.
  25. 129% of people exaggerate.

Funny Witty QuotesPlease share this post with your friends:

So did these funny witty quotes amuse you dear reader?

Perhaps you feel that you could still use a good laugh?

If so. then click on the links below. You’ll find plenty of smiles to amuse you.

And if you’ve enjoyed what you’ve read then please share it all with your friends on social media. When you share, everyone wins.

It’s always a good idea to pass on the smiles.

Other articles guaranteed to amuse you:

© Roy Joseph Sutton and Mann Island Media Limited 2019. All Rights Reserved.