success

What’s on Your To-Do List?

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Sometimes I wonder how we all survived before sticky notes. They sure come in handy for jotting down my daily reminders and holding myself accountable!

 

The discipline of writing out a daily prioritized task list (organized by importance and urgency) is a hallmark of a productive person. I begin each day with a to-do list, and it certainly has made me more focused and effective. (And, yes, when unexpected items arise, I add them to the list and cross them out after completion. There’s power in a sense of accomplishment!)

 

Here’s an idea. What if we took this concept beyond its daily application and take a “sticky pad” approach to planning our lives? After all, the most successful people begin with dreams and then establish goals and plans to make them come true.

 

How can the sticky note approach work for you?

 

Poor or random planning puts your dreams in jeopardy and, at best, makes it take that much longer to realize them. But, even if you’re not naturally a goal-setter, it’s not difficult to become one.  Start by imagining what you want your life to look like. What are the large-scale goals you hope to achieve? Think of areas like your education, career, service opportunities, family, finances, health, experiences, passion areas, and interests.

 

Once you’ve established your long-term goals, you can set some shorter-range goals that will help you achieve them. You can set one-year, six-month, and one-month goals, all of which will ultimately contribute to the larger picture.

 

At the same time, don’t forget those daily to-do lists!  You’ll be amazed how much more you accomplish. It doesn’t have to be a fancy leather-bound day-timer to keep you on track.  Many times all you need is a vibrant-colored sticky note placed somewhere visible to remind you what you hope to accomplish that day! Oh, and once all your items are checked off the list, be sure to take some time to celebrate for a job well done. You deserve it.

 

“If you don’t know where you are going, you will probably end up somewhere else.”

Lawrence J. Peter

 

What kinds of goals have you established for the short-, intermediate-, and long-term? What strategies have you learned to help accomplish them?

We’d love to hear your ideas!

 

 

 

Here Today, Gone Tomorrow? Learn to Analyze Your Spending

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When it comes to “budgeting,” many find it right up there with dieting and root canals in terms of the pleasure factor. However, tracking your spending and disciplining yourself to live within your means and save for the future is definitely worth the effort. If budgeting is not a natural bent for you, don’t give up on the idea altogether. You just need a willing attitude and some good resources to help you stay disciplined and on track with your finances.

How do you stay on top of your financial game?

The basic report you should complete (on at least a quarterly basis) is a cash flow statement. This report tallies your income and expenses in several key categories. It’s the surest way to see whether you’re living within your means and where your spending may be excessive. After subtracting all of your expenses from your income, you’ll see whether your net cash flow for that period is positive or negative. Remember, the goal is positive, positive, positive!

There are many online tools to help analyze your cash flow  (e.g., www.quicken.com and www.mint.com). In the past, analyzing cash flow was a lot more work—you had to save your receipts and organize them manually. But nowadays, if you use a debit card and checks for your purchases and bills, and you link your bank account to your online budgeting program, it will automatically categorize your spending and indicate where your money is going. It will even send you an email in the middle of a month to let you know if you’re over budget in a particular category (it knows if you’ve been bad or good)!

Even if it’s just a 75-cent daily newspaper or a $3 latte as you head to work each morning, make sure you account for every single dollar you spend. That’s how you can see exactly where your money is going. You may be surprised when you look at your spending after even just a couple of weeks. The nickels and dimes add up!

Analyzing spending and developing budgets are great skills to develop in the young people in your life. For young adults just starting out, tracking their spending will help determine how much they can afford for rent/housing and a car, significant expenses each month. How much should average living expenses cost? The following are typical expenditure categories and the rough percentages each should represent:

  • Housing/rent (includes utilities)    30-35%
  • Household/personal items                     20
  • Autos/transportation                              10
  • Charitable giving                                      10
  • Savings and investments                        10+ (not an expenditure per se)
  • Entertainment and leisure                       7
  • Debt/loans                                                  5
  • Insurance                                                    5
  • Miscellaneous                                             3

While the above percentages are ballpark figures (and they do change through life),  spending more than five percent above these levels is getting “up there,” with the exception of savings and investments and loans for new college grads. It’s also important to reflect periodic expenses like gifts and vacations in a budget. Holiday spending tends to spike in December, as does vacation spending in the summer. Therefore, it pays to update statements on a monthly or quarterly basis to avoid underestimating expenses. Compare actual spending to these ballpark figures, and you’ll have a good sense of whether you’re overspending in particular categories. And, take special precautions against buying too much house or car—these fixed expenses get many people in trouble.

Wise financial planning requires knowing where your money goes. You’ll make better financial choices, build a stronger credit rating, and develop good savings habits that help build wealth.

Do you track and analyze your spending?  How do you do it?  Have you trained and modeled this to the young adults in your life and, if so, how? We’d love to hear your insight and experiences!

 

Give Them Wings, Not Strings

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At an educators’ conference last summer, a professor from a large Texas university approached me after our workshop on preparing high school students for “real world success.” Her question was, “This is great—but how can we get this message to parents as well?”

We hear that a lot. In fact, in our work with educators, youth mentors, and business and community leaders, there’s an overwhelming and urgent cry. They tell us that too many young people today are entering adulthood underprepared.

How did we get to this state of affairs? There are a number of factors. One is what it commonly referred to as an “entitlement” mentality—the sense that other people owe us something, regardless of whether we have done anything to earn it. Many young adults feel entitled to get their way, viewing rules as arbitrary, their needs as paramount, and other people as existing to serve them.

It’s easy to see how this mentality can affect a young person’s ability to navigate relationships and responsibilities in the “real world.” It harms relationships with teachers, coaches, professors, employers, and other superiors? It demotivates.

Where does this kind of thinking come from?  Let’s take a look at some contributing factors that can stem from the home:

  • Parents catering to a child’s whims and wants (and whose lives are dominated by their children’s activities)
  • Parents doing their children’s homework, chores, etc. (“They have too much homework.” “They’re busy.” “They’re overworked.”)
  • Parents defending their children’s unacceptable behavior in meetings with school officials, coaches, etc.
  • Parents complaining to and threatening educators, coaches, and employers when their children aren’t receiving desired rewards or positions
  • Parents who don’t demand their children take responsibility for their mistakes and shortfalls or show respect to others
  • Parents who focus first and foremost on being their child’s friend

Granted, it’s not all about parenting and what we do or don’t do. However, the way we train our children has a greatly influences how prepared they are for independent life. We can give them wings—or we can give them strings.

Strings would be anything that ties our children down and prevents them from achieving their full potential. We tie our kids down when we overly enable or control them. Wings are the things we do to prepare our children to be secure, confident, and independent adults who will live with integrity and impact. We empower our kids when we train them with strong internal guiding principles and give them freedom, opportunity, and accountability to apply them. Picture an eagle—it is free to soar high and far and to navigate the winds and turbulence that life often brings.

If you’re parenting teens, are you giving them wings… or strings?  It’s one of the most significant parenting fundamental (so much so that it’s the first chapter in our new book!). Next week we’ll take a look at what wings and strings can look like in real life. It’s something to think about.

Diversify Your Life

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Sports psychologists tell us that athletes who play one sport experience burnout at much higher rates than athletes who play a variety of sports. The principle is true across the board: no matter how good something is, whether a sport, a career, a relationship, or an investment, it’s diversity in all those areas that makes life richer. 


Are you someone who focuses your life in just a few areas? Or, are your interests varied and your experiences diverse? Here’s a great example of how life diversification can work. Take PGA golfer Brandt Snedecker, who won the 2012 PGA tour championship, and also the Fed Ex Cup, for a whopping $11.4 million purse. It would be easy to assume Brandt’s victory was due to his exponential driving ability and fantastic putting (in this tournament he was number one for both). But that’s only part of the picture.
 

In an interview, Brandt said he has learned a powerful lesson as he has gotten older: Having balance in his life gives him a better golf game. These days, Brandt says, he doesn’t practice as much as he used to (sounds counter-intuitive, doesn’t it?). He works out in the gym much less. He gives more time to family. The results? A renewed sense of well-being, a better mental state, and, he feels, an overall a better golf game.

How about you? Are you someone who focuses your life in just a few areas? Or, are your interests varied and your experiences diverse? Think of the following important areas of life. Rank them from one to 12 in order of their importance to you:

               1.     Relationships—family and friends

               2.     Marriage and parenting

               3.     Career / school

               4.     Spiritual life

               5.     Entertainment

               6.     Learning

               7.     Physical activity

               8.     Travel and leisure

               9.     Arts and nature

               10.  Hobbies

               11.  Community service/volunteerism

               12.  Down time

                                                           

Now, consider how you’re allocating your time to these areas. Is it spread out or concentrated in only a few areas? While each person is different, variety will diversify who you are and enrich your life.

This lesson is as true for young people as it is for adults. Excessive pressure to achieve at academics or sports can cause teens to over-allocate their time and energy in those two areas, leaving little time for family, hobbies, and just plain ol’ “down time.” Whether you’re 16 or 60, this is a sure-fire recipe for burnout and it’s becoming increasingly common in the younger generation.

 

For all of us, making time for family, and for meaningful activities that enrich our life, will reduce our stress and burnout—and may actually help us perform better at the other things we do! Yes, variety is the spice of life!

Have you learned how to create balance in your life? How have you done it?  Or, are you one who is looking for ways to diversify your life?  Please share your comments and questions below; we’d love to have this conversation with you!

 

Plan, Don’t Procrastinate

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Are you sabotaging your own success? If you’re a chronic procrastinator, chances are … you  might be.
 
Procrastination is the act of putting off what seems like a mundane, intimidating, or unpleasant task to some (usually vague) future date, replacing it with a task or activity that feels more comfortable, exciting, or pleasant. This is not a genetic trait; psychologists tell us that procrastinators are made, not born.  This is good news for procrastinators! Though it takes work and retraining, you CAN increase your follow through and productivity and multiply your chances of success.
 
 
As you may have already discovered, life becomes increasingly challenging for the procrastinator, especially when things get hectic. When we’re kids, most of the deadlines we face are school-assignment driven. However, that quickly changes when we’re in college and worsens precipitously with careers and family. Keeping it all together without missing deadlines becomes almost impossible when you juggle a million balls and chronically wait until the last minute to get things done.
 
What does procrastination sound like in your head? It says things like, “I’ll feel more like doing this tomorrow,” or, “I work best under pressure.” But, in fact, you don’t feel like doing it the next day and you don’t really produce your work best under pressure.
 
What does procrastination look like? It looks like distraction—which is particularly easy to come by these days. Most procrastinators actively look for distractions, especially those that don’t require a lot of commitment. Checking e-mail is a great example. It appears productive, but is often little more than a time-waster in the face of more important things that need to be done. And then there’s Facebook …
 
If you tend to procrastinate important tasks, here are five steps to help break this habit:
 

  1. Start by setting your deadline the day before your task is due. Then, simply work backwards by estimating how much time you’ll need and the number of days over which you’ll have to spread the work. Once that’s done, you’ll have your plan in place with a beginning and end and a series of in-between days with their required time allotments.
  2. Promise yourself some “feel-good” rewards at the end of your task. Often we procrastinate because the benefits of completing a task don’t seem beneficial enough when compared to the amount of work and time required. Increasing the “win” factor for yourself—even if only psychologically—can be motivating.
  3. Ask your friends to check in on your progress and hold you accountable—and to NOT accept your excuses. Peer pressure is another great motivator.
  4. Improve your ability to make decisions. Much procrastination occurs when decision-making skills are weak or underdeveloped.
  5. Regularly make and keep a “to-do” list so you can’t (conveniently) forget those unpleasant or intimidating tasks. And, be sure to block your time sufficiently to get the job done.

 
Once you practice these suggestions a few times, it becomes a piece of cake and you will be more effective. I have no doubt your success factor will shoot up exponentially: you’ll be a better student, a more valued employee, a more organized parent, and you’ll dramatically lower your stress level as well.
 
How have you learned to overcome procrastination and increase your productivity and effectiveness? Share your ideas and experiences with us by commenting below; we’d love to have the benefit of your insights and experiences.
 
 
 

Give Thanks, Give of Yourself

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This week I am thankful—not for what I have for myself, but for what I have to give away. Really, life’s greatest joys come not in the getting, but in the giving. Don’t you agree?
 
            I have special admiration for people who commit their lives to serving others. They’re not motivated by fame or fortune, but rather by joyful service. Their qualities of generosity, empathy, compassion, and kindness seem to come naturally to them, and they’re inspiring treasures to us all.

 
            How you eventually impact the world will be driven by what you have to offer and what you choose to offer. What do you uniquely have to offer the world?
 
            This is a profound question, and one that will evolve throughout your lifetime. At any point, though, your personal assets will generally fall into three categories: your time, talent, and treasure.
 
            There are many different avenues that allow you to allocate these resources to serve others. To decide how best to give what you have to benefit others, there are three main questions to consider:

  • What talents and skills do I have to offer?
  • What groups or community segments (e.g., youth, elderly, homeless) do I feel most called to help?
  • What organizations will allow me to use my talents to help those I feel most passionately about?

 
            I encourage you to develop a servant’s heart as a way of life, embodying the qualities of generosity and compassion in your everyday dealings with people. Learn to proactively and instinctively use all three of your “asset” categories when various situations arise to which you contribute—not just money, but also yourself.


            Living life with a servant’s heart will bring help and hope to others and immense joy to you in return. You’ll receive far more than what you give. Nothing compares with using your gifts and talents to improve the world around you. This is the true spirit of Thanksgiving!

 
Have you experienced the deep thankfulness that “giving yourself away” evokes? Looking ahead, what new ways do you envision using your time, talent, and treasure to make the world a better place? Share your responses by commenting below; we’d love to hear your stories and ideas!
 

Don’t Wait to Change the World!

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Not long ago, I spent a day with high school students at a prestigious prep school. It was technically a “day off” on the school calendar, but over 150 courageous students showed up for this special program focused on tackling difficult life issues. The stories in my group ran the gamut, but they mostly involved a lack of parental love, excessive pressure to perform (coming from parents), and the drive to be popular (with peers). It was gut wrenching at times. 
 
          What struck me about this experience was: 1) the willingness and transparency of the students to admit need and be open to the wisdom of the adult mentors, and 2) the humility and commitment of the adults to also be transparent and real, and to invest their time and energy in our younger generation. This was but one small opportunity in a field of millions, and I felt honored to serve.
 
          All around us there are people and causes that would benefit from our time, our energy, our input, our investment. Are you paying attention to the ones that would benefit from you? In What I Wish I Knew at 18, I encourage my readers to take some time to evaluate what  “causes” inspire them and provide some guidelines for discovering what those are. You can also find those guidelines in my recent blog, “Know Your Purpose, Live Your Passion.” 
 
            Which opportunities will you take today to invest in others and help make life a little (or a lot!) better for someone else? Strike while the iron is hot and build a living legacy. Someone out there needs exactly you!



            Don’t wait to change the world!     
 

What are some examples in your life where you experienced pure joy and fulfillment? Or, where you had a significant impact on something or someone? Share your thoughts and experiences by commenting below; we’d love to know how YOU’RE changing the world!
 

Don’t Define Success by Riches

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What does success mean to you?
 
Over the last couple of weeks, we’ve talked about purpose and significance. So, let’s say you do discover your “life purpose.” How will you know you’ve achieved it—by how much money you make? By the status symbols you’ve acquired or a particular title you’ve earned?
 
Really, how will you know when you’ve achieved “success” in your lifetime?
 
Our culture tends to define success in terms of wealth, possessions, and power. We’re bombarded by “get rich quick” schemes and star glamour. Forget the fact that some of history’s most miserable people have amassed great fortunes; WEALTH is easily the most common barometer of success.
 

Don’t believe it. Money does not buy happiness.

 
Consider the following quote first penned in the Lincoln Sentinel on November 30, 1905 by Bessie Stanley:
“He has achieved success who has lived well, laughed often and loved much; who has gained the respect of intelligent men and the love of little children; who has filled his niche and accomplished his task; who has left the world better than he found it, whether by an improved poppy, a perfect poem, or a rescued soul; who has never lacked appreciation of earth’s beauty or failed to express it; who has always looked for the best in others and given them the best he had; whose life was an inspiration; whose memory a benediction.”
 
Rather than basing your definition of success on monetary wealth, consider a more comprehensive definition, including how you applied your gifts to the betterment of others, the quality of your relationships with others, and the strength of your character. If you focus on these elements, rather than on wealth, power, and possessions, you’ll be much more likely to fulfill your life purpose and feel a genuine sense of satisfaction and success.
 
Whom do you consider to be the most successful people and why? Looking ahead, how will you define success in your life? Share this blog with the young adults in your life and ask them these questions; they make for great conversations! Then comment below and share your experiences and ideas with our online community; we’d love to hear from you!

We All Need to Know We Matter

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Last week we talked about how a defining purpose inspires a life of passion. Unfortunately, for some, that’s easier said than done.
 
Take teenagers who receive no expressions of love or healthy modeling from home: it doesn’t take long for that deficit to show up in academics, motivation, and demeanor. In acts of desperation, they join gangs or get pregnant or drop out of school. It’s a tragic cycle that has become all too common, with one unhappy ending after another.
 
During the past year, I’ve had many opportunities to speak with teens and young adults who are, in one form or another, facing a crisis of relevance. They see school as irrelevant, and worse yet, themselves as irrelevant. Some of their questions:
 

  • “What am I worth when my parents never tell me they love me?”
  • “What’s the point of staying in school? I’ll never use this stuff anyway.”
  • “What can I do to convince my father to let me live my dream?”
  • “I’m not that smart in academics. Can I still become a great leader?”

 
These conversations can be heart wrenching. But, interestingly, these are the kids who are most engaged in my talks on leadership! They ask the most questions and ask to share in private. They’re searching—for hope, relevance, and worth—even though it may not appear that way on the surface.
 
We’ve got to give it to them. All of them! Until young people see the relevance and value of their lives, there’s simply no way they’ll reach their full potential.
 
Here are some ways adults can help:

  • Recognize that no one (especially a young person) has a complete and accurate perspective on all he or she has to offer—whether character qualities or skills. They need the perspectives of others who can offer a more complete picture of their worth.
  • Parents can ensure each of their children understands his or her unique value, and avoid showing favoritism toward siblings through words or attention.
  • Educators can offer opportunities for skills/aptitude assessments and programs where friends, relatives, and mentors honor each student with expressions of value. For example, some innovative schools hold special retreats where students receive letters collected from important people in their lives—life changing keepsake experiences.
  • Look for opportunities to “speak life” into young people and encourage them to do the same.

 
Remember, relevance breeds hope and hope breeds motivation and direction. It’s a vital gift to give the young people in your life. Give generously.
 
Are you aware of the need for the young people around you to feel a sense of significance–and how much it means to to their ability to succeed in life? In what ways do you “speak life” into them, to make a difference that can last a lifetime? “Share” this blog with a friend, and let us know your thoughts and suggestions by commenting below!
 
 

Know Your Purpose, Live Your Passion

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“Great minds have purposes; others have wishes.”

Washington Irving

 

Your life purpose is an incredibly powerful force that will direct your life and determine your legacy. Find a successful person who is content and fulfilled, and you’ll likely find a life guided by an inspired purpose or mission, and a person who has applied his or her God-given talents to a worthy cause.

 

In fact, without a strong sense of life purpose, even the most successful accomplishments can seem empty.

 
Knowing your life purpose–what makes you tick, what motivates you, what you are alive on earth to do–is what ignites passion. Passion inspires initiative and creativity. It builds momentum and creates enthusiasm. It also sustains hope and perseverance in difficult times, and provides a reason (and enthusiasm!) for getting out of bed every morning.
 
Life purposes can be cause-driven (e.g., curing a disease, educating disadvantaged youth, sheltering the homeless, cleaning the planet, protecting our country) or skill-driven (e.g., athletes, artists, mathematicians, designers). They also can evolve throughout your lifetime.
 
How can you discover your life purpose? Here are some questions to consider:

  • What causes (e.g., global or community needs, people, situations, organizations) am I most passionate about? What problems would I most like to solve? What needs or people tug at my heart?
  • What inspires me the most?
  • What brings me the greatest joy and fulfillment?
  • Whose lives would I most like to emulate and why?
  • What are my special gifts and talents?
  • Where can my skills have the greatest potential impact?

 
Once you ponder these questions, see if a picture emerges. Then, as that picture solidifies into an identifiable sense of purpose, calling, and passion, start thinking about how you can live it out.
 
Whatever you do, don’t set your life purpose on a shelf and forget about it. You are a unique individual with gifts, talents, and perspective only YOU can give to the world.  No amount of money, fame, or accomplishment can ever compete with that.
 
Someday, you’ll want to be able to look back on your life and say, “Mission accomplished!” What’s your mission? Are you living it out with purpose and passion?
 
 If you’re a parent or teacher, find out what the young adults in your life think about their life purpose. Share your comments below; we’d love to hear from you!