What is Your Master Plan?

"Sail boat" by Nuno Vasco Rodrigues @ Flickr

Without goals, our lives are like a ship without sails.  The winds of potential blow strong against our mast but with no sail to capture the energy we are left stationary, floating quietly with no command over the direction the waves push us.

Having goals allows us to hoist our sails high into the air and in an instant we are skipping across the surface of the water.  Our sails are filled with energy from the wind and our eyes are focused on the sliver of land that has just peaked out from the ocean blue.  Our destination comes into focus and as we arrive upon the shore we have learned a powerful lesson; if we create goals and harness our ambition & passion, we will realize our dreams.

If we are ships upon the sea with no focus or direction, what can we do to raise our sails and capture the wind?

Something I don’t spend much time discussing is the power of long-term goals.  My list of 100 Goals consists mostly of milestone accomplishments, things that once accomplished can be crossed off the list.  Crossing a goal off the list is a moment of satisfaction; knowing that I’ve done something great and meaningful in my life but once that goal is crossed off, it is done.  The moment has passed & I am looking forward to the next milestone that I can work towards accomplishing.

While I wouldn’t change any of the experiences I’ve had in using this method to accomplish my goals, the question that begs to be answered is this: “What happens when I have accomplished everything I want to do in my life?  What will I be left with?”

The answer is to have a Master Plan; a series of successive goals that will ultimately lead to what we envision our Perfect Life to be.  A Master Plan requires knowing where you want your life to be and figuring out a way to get there from where you are today.   It requires you to be proactive and take intentional steps in order to make your plan a reality.  It requires discipline, determination and flexibility.

Creating Your Master Plan

Too often we find ourselves ignoring our dreams of a Perfect Life because we tell ourselves that they are not grounded in reality.  Before we allow our desires to blossom into anything more than a passing thought, we stifle ourselves.  We are blocking our own success and happiness.  There will always be a reason why we “can’t” do something and now it is time to ignore those excuses and begin to create your Master Plan.

Close your eyes and envision your Perfect Life.  What do you see?  Are you working with panda bears in a sanctuary?  Are you backpacking the Appalachian Trail?  Maybe you are relaxing in your backyard drinking lemonade watching your children playing on the swing set.  No matter what you see, you have found your destination.  Now it is time to figure out how you will get there.

Usually at this point you would push your dreams aside with thoughts of “reality”, all the reasons why you are unable to pursue your dreams.  I want you to consider all of these excuses about why you can’t follow your dream but I need you to change your perspective.  Instead of using them as reasons why you can’t follow your dream, think of them as challenges to beat.  Don’t use them as an excuse any longer.  Use them as motivation.  Instead of feeling overwhelmed, find a way to overcome these challenges.  Your plan should be ambitious yet realistic.

The next phase in accomplishing your Master Plan is to figure out what steps you must take in order to position yourself to make your dream possible.  Will your Perfect Life require a career change?  Do you need to further your education? If your Perfect Life requires you to get a degree or certificate, enroll in classes, even if that means taking one class a semester for the time being.  If you need to change your career, start submitting resumes and begin networking with people who are in the field that you want to break into.  Prepare to Quit Your Job.

Ultimately, your Master Plan is about having a long-term goal to pursue while using short-term goals as a means for making progress towards your Perfect Life.  A Master Plan is not something that happens overnight.  My own Master Plan has been in the works for nearly 5 years, and I am only now really beginning to fully understand what it is that I want in my own life.  Progress is slow but steady and each day is a new opportunity.  Today is your opportunity to make a change in your life, an opportunity to start working towards your Perfect Life.  No more excuses, no more hesitation.  Today is the first day of the rest of your life.  You decide what that means for you.

Punch Life in the Face

Punch Life in the Face

When the going gets tough, the tough get…no, that’s not reality.  In reality, when things get hard people quit.  They give up.  Instead of breaking a sweat, shedding a tear or losing a little blood they take the easy route and do nothing.  It is easier to accept defeat & tell yourself that it is too hard, that you aren’t smart enough, you aren’t pretty enough, strong enough.  For every inaction we find an excuse that will suit our situation.  Hell, we may even convince ourselves.

It is time to stop making excuses.  It is time to quit being a quitter.  It is time to get off your ass and do something with your life.  Yes, you might struggle.  You might feel pain.  You may even cry but if you don’t do something with your life why are you even here?  It is time to start living.  It is time to stand up and punch life in the face.

Too often we accept our lives the way they are, even if we aren’t happy with them.  We are miserable at work, our relationship with our spouse sucks, our kids hate us, we waste our time doing absolutely nothing.  Our joy in life is derived from a bottle; we can’t even relax without a glass of wine to settle ourselves.  This is our life and it sucks.

When I was 16 years old I was a loser.  My life was consumed with drugs and alcohol.  If I wasn’t high or drunk I was in the process of getting there.  Two days after I turned 18 I was arrested.  I had just gotten high a few minutes before being handcuffed & taken to jail.  I spent that night in my cell thinking about where my life had gone wrong & how I was going to change it.

I realized that I was fucking up my life.  It wasn’t only the drugs & alcohol that were the problem.  I was wasting my time.  I couldn’t turn the clock back and recapture those years.  They were gone & there was no getting them back.

In order to change my life I had to turn my back on everything & everyone.  This was hard for me.  It meant losing friends.  It meant making major changes in my life.  I had created a lifestyle for myself & people expected me to be that person.  For a while I struggled to get sober.  I didn’t want to disappoint my friends when they wanted to get high with me.  Eventually I came to realize that I needed to change my life for me and not live my life as a consequence of other people.

Once I figured this out I made the changes I needed.  I quit drinking & doing drugs entirely.  I have been clean for almost 9 years.

What does all of this have to do with you?  Maybe you don’t drink or get high but I have no doubt that you are wasting your life with things that are just as stupid; video games, television, Internet, gambling, celebrities, work…anything that takes time away from the person you want to become deep down inside.

It is so much easier to do nothing than to do something.  If I hadn’t been arrested & had the time to sober up and reflect on where my life had come and where I was going maybe I wouldn’t have changed.  I wouldn’t have traveled around the country & now the world.  I would probably still be sitting in my bedroom taking hits from my bong and eating Milk Duds watching the world move around me.

Get off your ass and grab life by the balls.  Do something that you’ve always wanted to do but have told yourself you “couldn’t” for whatever reason.  Stop lying to yourself.  Life will go on with or without you.  Just remember that you can never make up for lost time.  Never.

Don’t Waste Your Life Dreaming

"winter's coming." by *whimsical @ FlickrThis website is devoted to following your dreams, chasing after your ambitions, and changing your life for the better.  The content of my articles is intended to inspire people, to help them focus inward on their desires, to reflect on where their path has led them & where they want to go from here.  Inspiration & introspection are only a fraction of what it takes to actually accomplish your goals.  It is not enough to be inspired.  It is not enough to admit your mistakes.  It is not enough to dream about a better life.

None of this will bring you any closer to accomplishing anything.  Yes, inspiration and dreaming are powerful motivators but they change nothing if you never push beyond them.  You can’t just dream about being successful.  It isn’t enough to daydream about laying on the beach in the south of Spain.  You cannot wish your body into becoming slim & fit.  Dreams require action in order to become reality.

One of my goals is to run a marathon.  I have never ran more than a few miles at one time in my entire life.  I have ran a mile or two once in a while but could I possibly complete a 26-mile marathon?  In my mind I feel anyone has the ability to do anything, it just takes dedication & a willingness to work towards that goal.  It is much easier to sit on my couch in front of the television & watch people run than it is for me to find the desire to pick myself up and go for a run.  The sweat and pain that comes with pushing our physical limitations can be unpleasant but I find my motivation in knowing that if I am willing to endure, someday I will run in a marathon & I will finish.

My friend Noah has been training for an upcoming mini-marathon for a little over a month.  In this time he has gone from being unable to run more than a mile to running more than 10 miles.  That is impressive!  It shows exactly how much a person can accomplish if they are motivated & willing to harness that energy.  I joined him today & ran further than I ever have before, six miles.  It isn’t marathon distance, but it is a beginning.  Even after running all of that distance, at the very end we both pushed ourselves to finish the last 100 yards in a sprint.  We were both sweating & exhausted but it was worth the effort.  I was filled with a sense of pride for having pushed myself to finish.

I know that without his encouragement I wouldn’t have gotten out of bed early to go for a run.  Hearing him talk about how much he has improved over the course of a month has made me realize that it takes effort, lots of it, to become a better person.  Whether you are training for a marathon or trying to get out of debt, it takes effort.  You have to make sacrifices at first.  You might feel like giving up, but as you wipe the sweat from your brow & look at how far you’ve come since the beginning, you dig deep within yourself to find the energy to push as hard as you can to the finish line.

Effort is what separates those who dream from those who are living a dream.  A dream is nothing more than a dream if you don’t chase after it.  A goal means nothing if you don’t strive to accomplish it.  Dream your dream, find your inspiration & make it a reality.

Making the Best of a Bad Situation

Friday was my last day of work before being laid off and many people wished me the best of luck in my future.  With all of the well wishes, I began to wonder how much “luck” influences a successful future.

"My Destiny" by kh2rac @ FlickrThere is no doubt that there have been many people who have been in the right place at the right time and found themselves in a lucky situation.  There are people who win the lottery.  At times I have felt that luck was responsible for what had happened to me.  I found $10 on the ground and felt lucky, but was it really luck that was responsible?

People feel as though their lives are guided by destiny and have a predetermined course of events which is beyond their control.  To a certain degree I agree that people have a destiny in life, but I do not think it is a predetermined nor beyond our control.  Each choice we make in life is like choosing a direction.  By making a choice you have eliminated the alternative. 

That isn’t to say that if the decision that was made was not the best choice that we are unable to change our course.  Oftentimes the best way for a person to learn is from their mistakes.  By making mistakes we are able to understand what works and what doesn’t, what is right and what is wrong.  It is better to take chances and make mistakes than it is to live life cautiously and never take a chance at all.

There are times in life when fate seems to take control.  Something happens in our lives that was just meant to happen.  After a long history of bad relationships, a chance encounter with a nice young lady turns into a lifelong love story.  A person who has a constant run of bad luck may accept that this is their fate.  Fate is something that I do not believe in.  Things happen to people, some good and others bad, but it does not mean it is fate and it does not mean that you can’t change it.  If you feel as though you never catch a break in life it isn’t because of fate, it is a result of how you chose to live your life.  Any number of things control our fate and they are all things we have the power to change; attitude, fear, motivation, desire, ability.

Ninety percent of the world population practice some form of religion.  They feel as though God (Buddha, Allah, Jehovah) control their lives and what happens to them is of a divine origin.  I will not contest the theology of billions of people, however I am reminded of a story about a man who lived by a river:

A man heard a radio report that the river was going to rush up and flood the town.  The radio report suggested that all the residents of the community evacuate their homes. Instead of leaving his home, the man said, ‘I’m religious. I pray. God loves me. God will save me.’

The waters rose up. A guy in a row boat came along and he shouted, ‘Hey, hey you! You in there. The town is flooding. Let me take you to safety.’ But the man shouted back, ‘I’m religious. I pray. God loves me. God will save me.’

A helicopter was hovering overhead. And a guy with a megaphone shouted, ‘Hey you, you down there. The town is flooding. Let me drop this ladder and I’ll take you to safety.’ But the man shouted back that he was religious, that he prayed, that God loved him and that God will take him to safety.

Well… the man drowned. And standing at the gates of St. Peter, he demanded an audience with God. ‘Lord,’ he said, ‘I’m a religious man, I pray. I thought you loved me. Why did this happen?’

God said, ‘I sent you a radio report, a helicopter, and a guy in a rowboat. What the hell are you doing here?

Destiny, Fate and God all seem like good options for excusing our situations in life but by doing this we are only limiting our possibility.  If we don’t take matters into our own hands and do everything we can to make our lives the way we want them to be, things will never change or get better.  There will always be exceptions to the rules, those who will get lucky, but why should you rely on luck when you already have the ability to change your life?

There are plenty of people who feel as though life has dealt them a bad hand.  If you are one of these people, it is time to change the way you think.  Stop focusing on the negativity of the past.  Instead, focus on the opportunity of the future.  You can change your life, you can improve your life, you can be a success.

There may be people, places and things in life that are restricting your potential.  Don’t blame others for where you are in life.  It is easy for us to blame these outside influences but it doesn’t help fix anything.  By blaming our problems on anything other than ourselves we are only further perpetuating our circumstances.

Luck isn’t something we need in order to have a successful future.  What we do need is the determination to change our situations, the ability to overcome our fears and the opportunity to break free of what is restraining our potential.  All of this falls squarely in our hands and we are responsible for improving our lives.  That isn’t luck.

*** 

 Please check out the ”Carnival of Personal Finance #202 – The Lao Tzu Edition” which features links to numerous other personal finance blogs about frugal living, money management, debt & investing, including this site!!! fire-finance

 

Life After a Layoff

Layoffs have become a daily reality across the country.  Many of us have been affected by a layoff either directly or indirectly or know someone personally who has lost his or her job.  While browsing a message board pertaining to the company for which I work, I came across something written by a former employee which I feel is absolute truth, a silver lining in the clouds (edited for clarity, anonymity and emphasis):

"Approaching Storm Clouds" by Intrepid Lady @ Flickr“As someone who [has been laid off], this is a note to the ones who are being let go now.

Life goes on.  It is TOO easy to measure your self-worth in this world by your job.  You have [some time of feeling disoriented,] but after that, your sails will fill again and you will be off in a different direction.

As for myself, I have been meaning for years to start my own business and this shove towards that has been a good thing. If this didn’t happen, then I may have never done it.  I am taking this opportunity to build something long term for myself and my family that has nothing to do with the cozy interior of a big company.  I have not felt this alive in many years.  I would be lying if I said it was easy, because it is not.  But that is where the juice comes from; taking a chance, believing in yourself.

Re-invent yourself and go forward.  There is something better on the other side of the next door.  I promise.”

For those of us who are facing the potential of losing our jobs in the very near future, it is hard to imagine such a positive future from something so seemingly devastating as a job loss.  I do feel that there will be a sense of insecurity and fear when the next layoff is announced, but it isn’t the end of the world.  Life will go on and it may have been for the better.

Guitar Hero Syndrome

I love Guitar Hero.Guitar Hero by Jolecavo on Flickr

Without any question it is the best thing to have happened to the world of gaming since Mike Tyson’s Punch-Out hit the market in 1987.

I am still a beginner at Guitar Hero, so I spend most of my time playing on the Medium difficulty level, occassionally bumping it up to Hard. After a while I readjust back to Medium because Hard is just, well…hard!  So I rock out on Medium for the rest of the night, priding myself in my ability to nail almost every note on each song.  I’m a rock star!!!

What I am actually doing in priding myself in mediocrity.  Could I play at a more difficult level?  Sure, but it is a challenge and requires a lot more effort and focus on my part if I want to get any good at it.  When I try to play on hard I find that after a while it is just too much work and is no longer enjoyable.  I see my friends playing in Expert mode and I have to laugh at myself for being so average.  I’m better than some, but I’m also not as good as others.  If only I would take the time to get better and challenge myself a little bit more I too could be playing on Expert.

We do this in our lives everyday.  We pride ourselves in being mediocre.  We don’t challenge ourselves to pursue greater things.  We tell ourselves that it is too hard, or it is impossible.  We fabricate in our minds a million little reasons why we can’t do something.  Either we don’t have the time, money, knowledge, experience, ability and on and on and on…

The reality is that we can do it, we just chose not to do.  We chose not to disrupt our comfortable lives in order to chase after some “silly” dream.  Even though we feel deep down that we may be much happier if we were able to follow that dream and succeed, we never take the actions we need in order to get ourselves on the path towards success.  We play our lives on Medium.

Stop living a mediocre life.  Challenge yourself to follow your dreams.  Accomplishing goals will not always be easy, but as the saying goes, doing the right thing isn’t always easy.

Rock on!

Finding Your Path

I’m sure everyone remembers when they were in grade school being asked “What do you want to be when you grow up?”  I felt like I was the only child in the room who didn’t have a clue.  In high school I remember the kids talking about going to college.  They would ask each other, “What’s your major going to be?”  I wouldn’t be going to college, I had enough of school.

After graduating I started working in retail earning a low wage.  I still wasn’t sure what I wanted out of life.  I continued working at this job even though I was struggling to get by.  I didn’t have the motivation to push myself to do anything better.  I didn’t have a plan.  I thought that this was what life would be like for me.  I was coasting through life with no clear focus about what was important to me or what I should be doing.  I was letting life kick me around.

It wasn’t until I had my life turned upside down that I realized that my “plan” wasn’t working for me.  I found myself completely broke with a low paying job, drowning in consumer debt.  I felt that I would be stuck in low paying retail work for the rest of my life, always struggling to pay the bills and make rent.  I needed a change.

I enrolled in community college and began my education.  I quit my retail job for a higher paying job.  I was on my way to better things.  I was at the beginning of my journey and though I still wasn’t sure where it would lead, I knew that I had to start somewhere. 

Sometimes we find ourselves in bad situations.  We feel like we are stuck.  We think that there is nothing that we can do to change our stations in life.  Had I not had my “comfortable” life turned upside down, I might still be doing the same thing that I was doing back then, even though it wasn’t working for me.  I knew it wasn’t working for me, but I was complacent.  I felt like this was the hand that life had dealt to me.  I didn’t realize that the life I had was the life I chose for myself.  Every choice I made had lead me to that point and it wasn’t anyone else’s fault.  I also didn’t realize that I was the only person who could change my life.

The journey of life isn’t always a walk in the park, sometimes it can feel more like a walking in a dark cave.  Remember this, life is whatever you make it.  You have all of the control to be rich or poor, healthy or sick, fat or slim.  Life is the result of your actions or inactions and of the choices you make.  Don’t settle for less than your true potential.

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