A lot of people pride themselves in shooting from the hip and living for the moment. They wear their lack of goals, plans and schedule as a badge of freedom. If you peel the badge back, what you'll probably find is a lack of discipline, a lack of focus and lack of any...

In part one of this article we learned that Desire = Discipline. We discovered that a person’s true desire is only as great as the discipline they are willing to put forth to achieve the desire. It is very simple and easy for someone to say "I wish I had my own...

A lot of people want things, but few people actually make the changes in their lives that will result in the things they want. When we speak of the things we want, we speak of our desires. Simply wanting something does not cause that desire to materialize. The only...

Here is an exact question submitted to me today: I have a little problem on my career at 34, i dont know hw to move forward , coz have tried my best in dfferent areas. what can i do? There are a LOT of success/advice people today that take the arrogant, elitist,...

It's disheartening to see that personal growth today is dominated by NEW AGE and psychobabble. Apparently, the way to grow spiritually, emotionally and in relationships is to walk around telling yourself how wonderful you are, and dabbling with every ooey-gooey,...

The New Year is upon us. Do you have ANY real goals for this year? Written? Specific? Measurable? Attainable? Or are you just going to exist through another year of regrets and could have been's? I'm not talking about feel-good New Years Resolutions that won't last...

Here was the question:  I’m not sure what I’m doing is really the right path for me but I’m not a quitter. Do you have any thoughts? - - - - - - - - - - Never, never, never quit. Famous words…. Bad advice. Well, sometimes bad advice… but most people spout that...

People often ask me what is personal development. Simple, it's merely the exercise of becoming a better person on all levels. For most, this is some vague idea that each day they are just getting gooder. Unfortunately, human nature as it is, by default, people become...

I get a lot of emails from people about giving up, wanting to quit, needing help, taking pills, hunting support groups, longing for quick and easy answers... just a general lack of perseverance, toughness, commitment and mental fortitude. As I wrote a modern English...

You have to get a loan to buy a car... Simply put, this is complete nonsense. You do not have to have a loan to buy a car. You simply need to be disciplined and save the money first. Even if decided to buy the gearheads.org kind of car. You need to control your...

With gas prices rising rapidly, let’s talk about ways to reduce your gasoline expense. Find some friends either at work, or neighbors who work in the same general vicinity as you, and set up a rotating car pool. You can use email or classified ads to find people, as...

Here's some suggestions on way to save money which helps us with goal number three: reducing expenses. A Deep Freeze A freezer full of frozen vegetables, bulk prepared meals and left-overs uses very little electricity because its full of frozen food, and rarely...

One of the residual benefits of American prosperity for prudent folks is that pretty much everything you need to buy can be found in like-new condition for pennies on the dollar. If you are running down to Walmart, BestBuy or the mall to buy new items, you are simply...

A couple of things for you today... First, on my personal blog, I just posted a presentation that has to do with being contented. As Americans we seem to have a never-ending thirst for increased lifestyle and prosperity. It's not the amount of money or wealth that we...

Download the full report here.  Here's the first ten: GET OUT OF DEBT. My most recent book and DVD are on this topic. Being out of debt is the number one thing that will help you relieve stress and do well when costs go up, and the belt gets tight. Check out my book...

A reader asks: Why isn’t my online business growing any faster? I’ve been working at it for several months and while I’m making some money, I would have thought by now that it would be making a lot more? Any suggestions? Well, I don’t have any specific suggestions...

Sorry I haven't posted in a few days. I was really sick for a while. A reader asks what about the lottery? If I have the money to play the lottery what's the difference between me spending a few bucks on lottery tickets instead of going golfing? - - - - - - - - - - -...

What are the best attitudes and beliefs we should have about money? I'm trying to create a TOP TEN so that people can have a specific list to help them get the right mindset about money. Help me create this list. I've added a couple already. Go here:...

I wrote on my blog about some advice from Abe Lincoln. I wanted to expand on one point here because it fits into one of our main points: Giving & Stewardship. Here’s what I wrote on the blog: You cannot bring about prosperity by discouraging thrift. (Abe Lincoln)...

Folks, you better get ready and get your finances in order NOW if you want to have a little less discomfort dealing with what’s coming soon to America. Proverbs 22:3 - A prudent one foresees the evil and hides himself, but the simple pass on and are punished. The...

I’m constantly amazed at how stupid the credit card companies think we are based on the commercials I see from them. But then I have to stop and think, "if people weren’t responding to them, they wouldn’t be paying to show those ads a thousand times." Then...

The Internet is definitely the phenomenon of the century but with it comes many dangers and most of those dangers involve trying to separate you and your money. Sometimes this is through gimmicks and the sale of snake oil, and sometimes it is through fraudulent scams....

Proverbs 13:7 - The leech has two daughters - Give and Give! The more things we have, the more we can enjoy the sensations and stimulation of worldly pleasures and luxury. The problem is, there is always more pleasure, more sensation, more money and more luxury. Like...

If you have any interest in Internet business, either now, or in the future, get your own blog or website. If you even THINK you might do something in the future, get a blog or a site NOW. It takes time to build traffic, get ranked on search engines and get used to...

What's the hardest part of starting down the road to being debt-free? Answer: admitting you haven't done it right so far, or at best, haven't done it good enough. Admitting you’ve done a sorry job handling your money or that you’ve fallen for all the consumer...

I get asked routinely, " what about debt consolidation services?", "what about debt relief companies?" or "what about bankruptcy?". They all have the same foundational meaning: "What about ways that will help me NOT pay for what I’ve...

The most common question I've heard about my site is why three areas of life? Why not just stick with 'how to make money' and concentrate on the income? Or why venture into other areas besides your religious site [www.seriousfaith.com]?   There are lots...

Extreme control over your day via scheduling, goal setting, and scripting has just the opposite effect that most people think.  It is liberating and freedom producing, not restrictive and tedious. Most people think that anal control over every minute of your day...

A reader asks: In today's world, you can't get by without credits cards right? Can you actually live without using credit? - - - - - - - - - - - - - - - - - There's actually two questions here. Can you get by without using credit? The short answer to that is...

A reader asks: What do you think about these "no payments, no interest for 12 months" types of offers? - - - - - - - - - - - There is only one type of purchase plan for financially responsible people: 100% down, no monthly payments. Folks, companies don’t...

Being in debt is suffocating. Worrying about making your monthly payments is draining. On the contrary, being debt-free is just the opposite: it’s refreshing, liberating, and has a tremendous positive impact on your life. I’ve been in and out of debt several times...

Regardless of whether you call yourself religious or spiritual, there are principles about debt that transcend our personal opinions. So, whether these principles come from the Bible or are just some wise saying, if they are true, they are true. The Bible has much to...

Regardless of whether you call yourself religious or spiritual, there are principles about debt that transcend our personal opinions. So, whether these principles come from the Bible or are just some wise saying, if they are true, they are true. The Bible has much to...

In October 2008, many of the problems that have long been hidden in the credit industry finally showed up in a big way. The immediate response was for the government, the very same people who caused the problem to begin with, to now solve the problem by taking $700...

The financial scare we've witnessed in the past couple of weeks is just symptom of the real problem: our country and most individuals are up to their eyeballs in debt, and as such, are becoming enslaved to false affluency and a lack of fiscal discipline. The bail out...

It’s a generally true statement that debt-ridden, credit card addicted people appear to more wealthy and more affluent than they really are. Why? Because they spend their "money" (and credit) on LIFESTYLE expenditures. I overheard a fairly loud twenty...

"Calling all SUCKERS" is going to be a series outlining some of the rip offs and scams you need to be aware of. This first part is about the rent-to-own rip off. "Rent To Own" is where you pay a company to rent furniture, appliances or electronics....

While I don’t deny that there are legitimate and true emergencies that could cause a person to NEED a payday loan, I would still tell them to beg, borrow and scrape every way possible to get help somewhere else before jumping into the black hole known as "payday...

While I don’t deny that there are legitimate and true emergencies that could cause a person to NEED payday loans for people with bad credit, etc. - but I would still tell them to beg, borrow and scrape every way possible to get help somewhere else before jumping into...

Low down payment, low monthly payments. Nothing down, minimum monthly payments. No money down, no payments until next year. Let me ask you a question. Do you think retailers and dealers make these offers because they care about you and just want you to pay as little...

As parents and students you have to keep your eyes OPEN, and be really alert, even skeptical about federal and private college loans, and scholarships. There are countless cons, rip-offs and scams to avoid. The tale-tell sign of a rip-off is any college financial...

What did you specifically and purposefully do today to take a step towards your personal, spiritual, relational and business goals? What do you have planned for tomorrow? You cannot live life shooting from the hip if you want to have ANY success in any area. 99% of...

I had a friend tell me tonight that he thought I was really handling the hardships of life with faith, and a peace that passes understanding. I’ve had people say, "I don’t see how you can be so trusting and joyful when your child has cancer…" I wish I could claim some...

A reader asks: do you have any general advice or principles that will help me discipline both my personal life and my business efforts? Of course the answer to that is yes. So the challenge for me was to think of how to best use a few paragraphs to write...

Folks, listen up. I'm not known for sugar coating things, so I won't start now. Whatever you do NOT discipline yourself to do routinely, even daily, will never get done, and you will never improve, or be good at. PERIOD. No shortcuts, no tricks, no gimmicks. Stop...

Have you ever stopped and really thought about how much time and emotional energy is wasted every day on choice? We call it options and it is apart of our affluent lifestyle.  From which toothpaste to where to each lunch to what type of milk to pick up on the way...