The difficult D word!


We live in a fast pace world and we are constantly looking for quick, easy and convenient.  Enter all our apps and fast food, which meet all these requirements. The road to success, however, is usually never quick, easy or convenient.  If it were, we would have more healthy, fit and financially free people.

There are two words that bring a lot of discomfort to people, these words are delayed gratification. This means giving up something now so that you can enjoy more of it or something better later.  No one is saying you can never have sweets, or buy yourself luxury items, but you must first be in a position where you can truly enjoy it.  Giving up sugar today will help you be healthier tomorrow and an occasional treat will not jeopardize your health. Similarly curbing your spending now, will increase your bank account and you will be able to treat yourself later on without worrying about getting into debt or having to make high interest payments.

Success requires the cultivation of this skill.  Evidence has shown that people who have this skill are more successful in all areas of life. So how can you develop this skill? Here are some suggestions to build your delayed gratification muscles:

  • Start small. The first thing is to start small. For instance, skip your afternoon coffee and wait until the next morning to have coffee. Don’t buy that packet of gum or that magazine today, wait a few days.
  • Keep a picture or a note or some other reminder of your goal. Whether it is health or wealth related, keep it top of mind. You will be more likely to hold out when you have your goal top of mind.
  • Avoid temptations. Don’t drive by the bakery, don’t browse Amazon, and don’t watch the shopping channel.
  • Visualize yourself achieving your goal and try to embody the feeling you would have when you achieve it. Our minds can’t tell reality from fantasy, so if you really embody that sensation of the goal achieved, we start to take the actions that support the achievement of the goal.

Leave a comment below and let me know what you think or how it’s working out for you is.


Consistency is the name of the game!


Last week I challenged you to make your choices keeping your goal in mind. How’s that going? When we act consciously it makes it easier to change a behavior or a habit. We can do it for one day, but the trick is to do it day after day. Consistency is essential for success in any endeavor. We won’t get fit and strong if we do just one perfect workout a week. We have to do it consistently at least three times a week, month after month. We have to do it, especially when we don’t want to. It is in those moments that the change occurs. Pushing beyond the discomfort, pushing beyond the monotony, pushing beyond the grind is what is required for success.

Here four tips for that can help with practicing being consistent:

  1. Set very specific and short term goals.
    For instance, you can set a goal to lose one pound this week. Or, you can set the goal to stop for coffee only twice this week instead everyday of the week. These are examples of very realistic and achievable goals and they can be accomplished in the time frame set. Specific and short term goals are a great way to see success quickly and this keeps you motivated to keep going.

  2. Do what you say and say what you do!
    When you set a goal, you have to make the commitment. Be sure to that your actions support your words. If you want to lose weight you have to commit to working out and watching your diet. If you want to reduce debt you need to commit to spending less on non essentials items.

  3. Keep moving forward even when you mess up.
    In all likelihood at the beginning of the process, you will slip. Changing a habit or behavior takes time. If you mess up one day, don’t let it ruin the rest of the week. Forgive yourself and keep going. If you do it often enough a new pattern will emerge and you will reach the stage where it becomes effortless.

  4. Be mindful.
    Be mindful when making choices, be mindful when working out, be mindful when eating, and be mindful when shopping. There is enough evidence that support the alchemy that occurs when we are present and mindful. Mindfulness exponentially increases the chance of success in reaching our goals.

  5. The final tip is even if you don’t want to, do it anyway.
    This point is so important I have to repeat it. We may not always want to exercise, eat healthy or show restraint when shopping. But if it is what is necessary to reach our goal, we have to, even when we don’t want to. This may be painful, but it is the price of success and we have to be willing pay our dues.
    Leave a comment below and let me know what you think or how it’s working out for you is.

June 15th is designated Conscious Consumer day.
Wear Purple to remember to practice Financial Mindfulness
#ThePurpleCampaign #WearPurpleJune15th



Let’s Talk!


Today is Bell’s Let’s Talk day. The purpose of this day is to remove the stigma that surrounds mental health. The ability to reach our full potential depends on how well we can cope with the day to day stresses of life. For some, these stresses consume them and it  affects their ability to function effectively on a day to day basis. Mental illness can result from biological, developmental and social factors.

Financial stress is one of the leading contributors to mental health issues among adults. Being worried about your finances or feeling intimidating about how to manage your finances can make it hard for people to make clear logical decisions that will actually serve them. Fear and panic takes over and as a result one’s mental and physical health are both affected.

There are steps you can take to reduce financial anxiety. First, you have to understand and accept where you are. Take inventory that means figuring out what your strengths and weakness are and then develop a plan of action. This plan of action requires you to set clearly defined financial goals for yourself and have a strategy for reaching these goals. I suggest you start off small, so as to build your confidence. When you start to achieve goal after goal, it will wire you for more and even bigger successes.

The second step is when you fall off the tracks and you will, don’t beat yourself up. Simply stop, reassess and start again. Learning a new behaviour takes time and it is natural to get resistance, but persistence is the key to success here.

Finally, reach out and get some help. There is a lot you can do on your own, but sometimes you may need guidance, advice and moral support, to help you achieve your desired level of financial well-being.

Feel free to drop me a line with any questions you may have: