Does it feel like the entire world is conspiring against you? It’s time to transform your thinking into pronia. Pronia is the mental state in which you feel like the world is conspiring to assist you. Here are a couple of exercises to guide you to optimism.

  • Get out a pen and piece of paper. Write down five positive questions. Some examples to get you started are as follows: What am I grateful for? How can I have fun today? How can I show love? How can I make someone else’s day better? How can I serve others?
  • Keep the list of questions next to your bed. Read them first thing in the morning when you get up and the last thing at night before you go to sleep.
  • Next, write down three words to describe your ideal self. These are words that express who you want to be. They can be anything upbeat. Some examples are bright, smart and beautiful.
  • If you can, program your phone alarm to go off three times per day and read the words. The most important time to review them is before you go to sleep. We have a habit of running through our daily negatives at night-time. Feed your brain positives instead.

As you start to focus on encouraging things, you give your mind the capacity to grow and change. In spite of life’s challenges, we can keep a healthy mindset. It’s not always easy, but a little positivity goes a long way.

These questions are from Brenden Burchard’s video titled How to Reprogram you Mind. Check it out to get additional tips about positive thinking.

Today’s Assignment from the Universe

Ladies, I have bad news. Women fall behind men as savers, in part because of gender income gaps. The good news is whether you are a man or a woman, there are ways to squirrel away more money. Follow these steps ASAP to create a robust savings account.

Make You Money Grow

A common excuse for failing to expand our savings account is the following thinking error; “I am too broke to save.” In many cases, we think that someday when we have enough money, we will save it. That is not how it works – save first, and then you have money. Start out with $10.00 per paycheck. It is about creating healthy habits. Once the habits are established, you can increase the dollar amounts.

Keep a 3 to 6 Month Emergency Savings

If you are the primary provider for your family, you need to have a 6-month emergency savings fund. If you are the secondary, keep a 3-month cushion to take care of yourself and your family in the event of a job loss or illness. Also, consider the type of work you do. Are you commission only? Save more if you have a job that does not have a salary. I promise you this. There will be financial emergencies in your life. Save for them.

Set up Multiple Savings Accounts

If you are tempted to rob your emergency savings, set up more than one account. Christmas comes the same time of year every season. Why not open a savings account titled “Christmas”. Put away $30.00 a month, and after 12 months you will have almost $400.00 for gifts.

Do you want to go on a vacation or buy a new car? Set up an account titled “Vacation” and “Car” and do the same. Once you have some wiggle room, start adding accounts. You can have as many savings accounts as you have fingers.

Keep Insurance Deductible Amounts in Savings

What is the deductible on your health insurance? Nothing throws people into a financial tailspin faster than a trip to the emergency room. If you become sick or injured and are unable to work, the last thing you want is to be short on the cash to cover your insurance deductible.

A Credit Card is not an Emergency Fund

As of April 2016, consumer debt in the U.S. hit $3.6 trillion. It may come as no surprise that it consists of mostly of credit card debt. I was once trapped in the cycle of getting into debt and getting out of debt. I got sick of it. Credit cards are not a good substitute for an emergency fund. The interest rates are outrageous, and once again you get caught in the debt cycle. The only way out is by saving. If you think making more money is the only answer to your financial woes, you are mistaken.

The more we make, the more we spend.”

Eliminate Financial Weakness

We all have our financial Achilles heel. Determine what yours is, and get rid of it. Ninety percent of budgeting is emotional spending and bad habits. The other ten percent is math. The most important thing is that you save now. There is a new financial beginning awaiting you – it is within reach.

Happy saving!