Monday Motivational Shorts… “Make Time”

Charles-Buxton-Quote-You-will-never-find-time-for-anything-If-you
When I share an incredible opportunity with people the most common objection I hear is, “I don’t have time.” I said the same thing when someone introduced the same opportunity to me 3 1/2 years ago. At that point in my life I was working 18 hours a day (4:00 a.m. to 10:00 p.m.). I “didn’t have time” for anything else. The truth is, you’ll never “find” time to do anything, but you can always “make” time for things that matter. People make time to watch their favorite t.v. shows, they make time to go out with friends, they make time to go get a few drinks, they make time to fool around on social media for hours throughout the day, etc. There are 24 hours in the day. You’re sleeping only 6-8 of them. Make the time to do things that matter. If I didn’t make time to do things that mattered 3 1/2 years ago then our family would be burdened with daycare costs, hardly ever get to see our child, we would have an unreal amount of debt, and be living with financial stress month after month. I know that life sounds familiar to the majority of Americans and may even be considered “normal” by today’s standards. Instead, my wife has the opportunity to raise our child, we’ve eliminated over $170,000 of debt, and we don’t stress when the bills come around every month or when we have a “surprise cost” when something breaks. Our goal is to make the “normal” type of life a rarity or non-existent for as many people as possible. ‪#‎thankyouadvocare‬ ‪#‎whowantstobenormal‬ ‪#‎maketime‬

24 hours in a day make time

Dear Camille, You Had Your First Beach Trip!

AdvoCare Kids on The Coast Incentive Trip

Dear Camille,

You had your first beach trip! It was the AdvoCare Kids on The Coast Trip and it was a blast! I’m sorry that you didn’t get to actually go ON the beach because of how hot it was outside, but at least you got to hangout in the cabana at the pool. The ceiling fan in the cabana was a nice touch. We were so blessed to spend time with 249 other families that we love and the best part about it was that we didn’t have to spend anything! That’s right, it was FREE! We’ll have to pay for Disney World though when we go, but that trip will mostly be for your mom. She’s a Disney fanatic. I’m sure you know that though since she plays Disney tunes for you every day. I’m sorry about that.

It was a 5 hour trip total, but we broke it up into two 2 1/2 hour trips since we got to stop at Nonnie and Papa’s for a weekend. You slept the entire trip there and then to Destin only waking up once to go potty. I still can’t believe it. You are an awesome traveler!

Out of the 250 families on the trip, there were over 300 kids and out of the 300+ kids on the trip, you had to be the most famous. Everyone loves you little angel. Not that you needed any help looking cute, but your bathing suit only added to your cuteness factor. Oh, and that flower hat… adorable! Here’s a pic of you climbing all over mom under the cabana and another when you were pretending to be shy:

AdvoCare Kids on The Coast Incentive Trip

AdvoCare Kids on The Coast Incentive Trip

 

You even made room for a snow cone… well, it was snow cone unflavored ice. You appeared to like it though.

AdvoCare Kids on The Coast Incentive Trip

While on the trip we had a chance to hangout with some pretty famous people. We got to see Trevor Bayne who drives the AdvoCare #6 car. I hope to God that you are never in a car that is even possible to go as fast as he drives. 🙂 He ate lunch with everyone and then played beach volleyball with us.

AdvoCare Kids on The Coast Incentive Trip

 

We also spent a good bit of time with one of our dear friends, Ron Reynolds. One day I’ll be able to explain to you how much this man has changed our lives and your future. He is the reason your mom and I have eliminated over $141,000 of debt in under 2 1/2 years. Here’s a picture of you with Ron. You blinked when I took the picture. 😉

Ron Reynolds debt buster AdvoCare Kids on The Coast Incentive Trip

One of our favorite parts of the trip was the pajama party movie night where we watched “Despicable Me.” Although that movie is pretty good, I think the best part was hanging out with you and mom in our pajamas.

AdvoCare Kids on The Coast Incentive Trip

AdvoCare Kids on The Coast Incentive Trip

Don’t worry that you slept through most of this trip because there will be many more trips like this my little one. You are a blessing to us and to everyone that knows you. Your smiles are contagious and your laughs are even more so. We love you so much and cannot wait until our next trip with you. Until then, there will be many days of lounging around the house in your little lounger with your mom playing Disney music and me reading you books.

Love you sweet angel,

Dad

P.S. Thank you for not pooping in the car when we changed you. I REALLY appreciate that.

I Know It’s Hard To Believe – So Here’s The Proof

WallPunch-Drywall

Over the past 2 1/2 years, I have made multiple posts on various social media sites regarding how much debt I’ve eliminated and the other day I made another one. I know how unbelievable it is for someone to eliminate over $137,000 of debt because honestly it’s hard to believe it myself. The higher the number goes, the more unbelievable it becomes, to others AND myself. I think the reason is because most people don’t know it’s possible to become debt free. For most people, by the time they pay off or come close to paying off their car, they’re having to take out a loan for another one, take out a second mortgage on their home, secure a mortgage on a new home, while still paying off credit cards and student loans among many other creditors.

So because I realize most people can’t believe it, I decided to show everyone just how true it is. I scanned in letters from financial institutions and took screenshots from credit card accounts (THANK GOD our credit card debt is GONE!) A few things that aren’t shown here are the over $7,000 of a veterinary bill I had from when Jackson went to the vet hospital and tried to die on me, hundreds of dollars in outstanding medical bills from my knee surgery, and payments made on my Jeep.

Before you say… “how did this guy have so much debt!?” I’ll tell you. When you go to private undergrad and private law school, the student loans add up fast. Then when I had to start paying them back and the minimum payments consumed a large majority of my paycheck every month, I felt like I had no other option at the time except to use a credit card just to put food on my table and gas in my car. So that’s how… not to mention we were not allowed to work my first year of law school.

I understand that not everyone has had as much debt as I did, even for those that own a home. I also understand that earning extra income to be able to do what I’m about to show you below may not be for everyone… BUT what if it is for you?

Thankfully AdvoCare has the DebtBuster program, which helped me eliminate loan after loan and credit card after credit card. Your proof… see below. 😉

Let’s start with this personal bank loan:

While going through some mail I found this letter regarding paying the balance of my personal loan IN FULL! WHAT WHAT!!!? #refreshing Thanks “June Pridmore” and yes,  I bet you do “hope to have the opportunity to serve me again in the future.” Thanks but no thanks sista!

Debt freedom


Next, I have a Discover student loan that I eliminated back in early 2014 before our wedding. That’s right, PAYMENT IN FULL!

Discover student loan debt eliminated


Citibank received the same treatment from me: less interest for them! Sorry, but not sorry!

Citibank student loan debt eliminated


Here was the largest credit card I had to eliminate. My Discover card was out of control and by far had the highest balance out of all of my cards. Checkout that $0.00 balance! Looks pretty sweet, huh!? We also used a bunch of that “Cash back bonus” to go toward our debt. 😉

Debt free from credit card debt


And here was Mariah’s Discover card that we eliminated right after we returned from our honeymoon to Greenbrier. Again… $0.00 balance and it’ll stay like that. Just about emptied that cash back balance on this one too.

Debt free from credit card debt


Next we have my Chase credit card. This was the second credit card I had because I signed up for a free t-shirt or a Hungry Howie’s pizza or something like that on my college campus. By the way, there are now laws restricting these credit card vultures that prey on very impressionable college kids from doing that anymore. Current balance on this one? You guessed it… ZERO!

debt free credit card debt


Next we have my very first credit card secured in the same manner as the one above. What can I say? Here I am, a freshman in college with basically no limits except for things that required money. Credit cards helped me erase that limit too. Glad that I got that one at $0.00 balance.

debt free credit card debt


This was a fun one to eliminate. Not only did I eliminate the balance, but I was left with thousands of miles that I could cash in for gift cards or free flights. 🙂 That’s all fine and dandy, but I’d rather pay for my flights instead of going into massive debt to have them awarded to me.

debt free credit card debt


 NOW HERE COMES THE DECISION POINT:

If you have significant or even minimal debt from a mortgage, car payment, credit cards, student loans, personal loans, etc. – what you just saw above can be YOU! It’s not magic. It’s not luck. All it took was an incredible opportunity and a willingness to be completely free of debt! Remember, “opportunity does not make appointments. You have to be ready when it arrives.” I have my hands on the most incredible opportunity I’ve ever seen. Do you?

9 Things Rich People Do Differently Every Day

There are more than just a few things that I’ve done to build a successful part-time business that has allowed me to eliminate over $95,000 of debt in the last 19 months and that is paying me more than twice as much as practicing law is paying me. Here is a list of at least 9 of them:

– Originally posted on Business Insider: http://www.businessinsider.com/rich-people-daily-habits-2014-6

Paul Morigi / Stringer / Getty Images
Paul Morigi / Stringer / Getty Images

“What you do today matters.”

In fact, your daily habits may be a major determinant of your wealth.

“The metaphor I like is the avalanche,” says Thomas Corley, the author of “Rich Habits: The Daily Success Habits Of Wealthy Individuals.” “These habits are like snowflakes — they build up, and then you have an avalanche of success.”

Corley spent five years studying the lives of both rich people (defined as having an annual income of $160,000 or more and a liquid net worth of $3.2 million or more) and poor people (defined as having an annual income of $35,000 or less and a liquid net worth of $5,000 or less).

He managed to segment out what he calls “rich habits” and “poverty habits,” meaning the tendencies of those who fit in each group. But, Corley explains, everyone has some rich habits and some poverty habits. “The key is to get more than 50% to be rich habits,” he says.

And what are those rich habits that are so influential? Here are a few:

Rich people always keep their goals in sight.

“I focus on my goals every day.”
Rich people who agree: 62%
Poor people who agree: 6%

Not only do wealthy people set annual and monthly goals, but 67% of them put those goals in writing. “It blew me away,” says Corley. “I thought a goal was a broad objective, but the wealthy said a wish is not a goal.” A goal is only a goal, he says, if it has two things: It’s achievable, and there’s a physical action you can take to pursue it.

And they know what needs to be done today.

“I maintain a daily to-do list.”
Rich people who agree: 81%
Poor people who agree: 19%

Not only do the wealthy keep to-do lists, but 67% of them complete 70% or more of those listed tasks each day.

They don’t watch TV.

“I watch TV one hour or less per day.”
Rich people who agree: 67%
Poor people who agree: 23%

Similarly, only 6% of the wealthy watch reality shows, compared to 78% of the poor. “The common variable among the wealthy is how they make productive use of their time,” explains Corley. “They wealthy are not avoiding watching TV because they have some superior human discipline or willpower. They just don’t think about watching much TV because they are engaged in some other habitual daily behavior — reading.”

They read … but not for fun.

“I love reading.”
Rich people who agree: 86%
Poor people who agree: 26%

Sure, rich people love reading, but they favor nonfiction — in particular, self-improvement books. “The rich are voracious readers on how to improve themselves,” says Corley. In fact, 88% of them read for self-improvement for 30 minutes each day, compared to 2% of poor people.

Plus, they’re big into audio books.

“I listen to audio books during the commute to work.”
Rich people who agree: 63%
Poor people who agree: 5%

Even if you aren’t into audiobooks, you can make the most of your commute with any of these commute-friendly self-improvement activities.

They make a point of going above and beyond at the office.

“I do more than my job requires.”
Rich people who agree: 81%
Poor people who agree: 17%

It’s worth noting that while 86% of rich people (compared to 43% of poor) work an average of 50 or more hours a week, only 6% of the wealthy people surveyed found themselves unhappy because of work.

They aren’t hoping to win the jackpot.

“I play the lottery regularly.”
Rich people who agree: 6%
Poor people who agree: 77%

That’s not to say that the wealthy are always playing it safe with their money. “Most of these people were business owners who put their own money on the table and took financial risks,” explains Corley. “People like this aren’t afraid to take risks.”

They watch their waistline.

“I count calories every day.”
Rich people who agree: 57%
Poor people who agree: 5%

Wealthy people value their health, says Corley. “One of the individuals in my study was about 68 and worth about $78 million. I asked why he didn’t retire, and he looked at me like I was from Mars. He said, ‘I’ve spent the last 45 years exercising every single day and watching what I eat because I knew the end of my career would be my biggest earning years.’ If he can extend his career four to five years beyond everyone else, that’s about $7 million for him.”

And they take care of their smiles.

“I floss every day.”
Rich people who agree: 62%
Poor people who agree: 16%

Enough said.

Read more: http://www.businessinsider.com/rich-people-daily-habits-2014-6#ixzz36k7vfWLI

Reading… INTENTIONALLY!

PersonalGrowth

Over the past several months I have began reading intentionally. I have never been a “reader” and in fact, I despised it. Reading comprehension was no doubt my worst section of any standardized test including the ACT and LSAT. So when I applied for law school it should come as no surprise that I had an uneasiness about the amount of reading that would be required of me. I’m talking 60-150 pages a night people!

The reading is what worried me. I already knew that I could argue all day. That’s evidenced by the fact that I frequently engaged in arguments with both my parents and teachers every day of my life. This phrase was no stranger to me growing up and I can hear my mom saying it now, “You’d be a great lawyer. All you do is argue.” This was also a common phrase, “You’d argue with a brick wall.” To which I’d respond with, “No I wouldn’t.” It was my way of joking… kinda. My argumentative nature is also most likely why many of my relationships with girlfriends didn’t turn out as expected. Looking back at it now, I’d venture to say that 90+% of the arguments I engaged in should have never begun or at least not escalated to the point they had. That’s A LOT of time wasted on senseless babble. I’m sure it had a lot to do with my maturity at that time, or immaturity rather.

life-is-change-growth-is-optional-choose-wiselyReading intentionally has been life-changing. Really, it has. Now, reading just anything is not going to have a positive impact on your life. I’m not reading Maxim Magazine, Men’s Health, Harry Potter, news articles, or Grisham novels where most men bury their noses to get their reading quota for the day. I’m reading books that will help anyone, not just myself, grow personally. I doubt that anyone could lay a solid foundation for an argument that Harry Potter books are doing the same.

Many of my friends have heard me say that this company I am involved with will change your life. To elaborate on that statement, it’s really not so much the company, but the people involved. They inspire you to be a better person, a better leader, and among other things… a better you. It’s almost like a church group filled with incredible leaders. I am frequently introduced with a barrage of book lists from them and after reading the first book recommended to me, I couldn’t be more appreciative of the next recommendation.

I’m sure you’ve probably heard the phrase, “All leaders are readers;” however, all readers are not leaders. It takes reading the right material and acting upon what you read to be a leader. Simply reading a book isn’t going to get you anywhere in life. It’s acting on what you read that will. Reading the right book is just the beginning. As my friends Zahid Buttar and Jason Horsley have said, “Readers who ACT on what they read can potentially be leaders.” Action is the difference. The right book just helps you to see the possibilities of your potential. The action is what turns those possibilities a reality.

“Readers who ACT on what they read can potentially be leaders.”

I am constantly updating my electronic library with iBooks. I’ve gathered quite a collection now. I find it pretty amusing that I now download more books than I do songs. So yes, if you want to give me an iTunes gift card for Christmas or any other occasion I’ll take it. Below I have posted a photo of some of the books I have been reading.
photo (18)

I have created a tab at the top of this blog, which will take you to a list of books that I recommend. I strongly urge you to start reading these books. For those of you that are hesitant to do so, you’re probably in the same position I was in several months ago. If someone suggested a book to me a year ago I wouldn’t nicely said, “Okay, I’ll check that out,” all along knowing I had no intention of even reading the cover.

If you are ready, then I’d start with a book called “20,000 Days and Counting” by Robert Smith. I’m certain that many of you have never heard of Smith or his book, but hopefully you have heard of Andy Andrews. Andrews credits most of his success to Smith, his mentor through life.

If you have any questions regarding the books on my list, feel free to ask. I’d be happy to talk about them.

God Speaks If You Listen…

road-to-changeEarly August 2012, as I sat in a living room belonging to two people I now consider close friends of mine, I made a decision that would completely alter the next year, and quite possibly the rest of my life. Not only did that decision create possibilities that would later transform my financial situation, which I stressed and thought to be dire; it blossomed into so much more.

It should be no secret that God speaks to us through other people. He uses people in your life to deliver His messages. He delivers His message many ways, but this is a common medium.  If you’re not listening, then you may miss it. Plug into His frequency. Pray. Reflect on your situation. Open your ears and eyes.

72660_10151436825874558_695195102_n

The problem most of us have, beside only calling on God in times of need or desperation, is that after we pray we continue to worry about our situation that had our hands clasped in the first place. It is true that if we ask for it, God will give it. “Ask and it will be given to you; seek and you will find; knock and the door will be opened to you.” – Matthew 7:7 So if after asking for God’s help you immediately spend all your time  worrying and stressing further, then you’re probably not going to see or hear Him answering your requests. He may speak to you through this post for all we know.

Luckily, last August I had my ears turned up to Heaven because I knew of nothing else to do. Patiently waiting, as patiently as I could, I looked for the answer, which presented itself through two special people. Did I see it at first? No, well, at least not the full extent of it. I thought the opportunity presented to me could be the answer, but I didn’t at that time know it would be.

In that living room I heard a lot of information that I couldn’t even begin to recite because frankly, it’s all cloudy… with the exception of two things that I remember very clearly. Those two things are as clear to me as if they were just uttered a minute ago. Of the two things I heard my friend mention I don’t find as important anymore and the second and even more appealing was that he brought his wife home from her full-time job in just a matter of months with a company called AdvoCare.

Now I don’t have a wife to bring home, but I knew what that translated into for me. I saw a possibility for a way out. A way out of practicing law. A way out of Montgomery. A way out of this debt prison that I placed myself in several years prior.

I stated in an earlier post that my desire to practice law is little to none. It’s not what I thought it was going to be when I entered law school. I went into this profession to help people and the amount of time I’ve put in compared to the amount of people I’ve helped does not translate into an attractive ratio. I’ve also stated how my desire to be back home in New Orleans and out of Montgomery is stronger each day and I’ve also mentioned my over $200,000 debt mountain that had piled up in front of me.

I know not everyone has been as unfortunate as me to graduate with a massive amount of student loans, but for me it has been crippling. I love donating to charities, especially some of my friends’ ministries; however, sometimes I felt like I needed to be my own charity. Some of you won’t know what it feels like to want to give more yet be financially unable to do so while supporting yourself at the same time. Some of you will. Some of you will never know what it feels like to owe a large portion of your income to loan companies because of student loans, credit cards, mortgages, car payments, etc. But some of you will. Some of you will never know family and friends that struggle financially and have a hard time providing for their kids or spouse. But some of you will. Some of you will sit there and continue to complain about your situation, yet do nothing to change it. But some of you will.

einsteinquotes

One thing I learned from reading personal growth books is that I had to become my own problem. I had to stop blaming my circumstances on everyone else and take responsibility for the mess I created. No one made me take out student loans. I chose to do that. No one made me enter into a profession that I’m unhappy with. I chose to do that.

“A man can fail many times, but he isn’t a failure until he begins to blame somebody else.” – John Burroughs

I am not a failure and refuse to blame anyone else but myself for the circumstances I created. I had the power to change my financial situation and so much more and I took it. Here’s the best part: YOU CAN TOO! There’s no reason you can’t and no one is stopping you except YOU.

Humor me for just a bit. I’d like you to do an exercise with me. Close your eyes and think about your current financial situation. Think about your health. Do you see either of those things improving in the next month? The next six months? The next year? The next five? Ten? Most people won’t because they’re not doing anything about it now to alter their future and change their circumstances. They’re too afraid to change anything. Well, guess what… if you don’t change anything then you better get used to struggling because you’ll be doing it the rest of your life wishing that you could take that trip, wishing that you could get rid of that debt, wishing that the spousal arguments over finances would go away, wishing that things would get easier, but they’re not going to change unless you change.

Here is a great excerpt from a book I love called “20,000 Days and Counting” by Robert D. Smith:

“Become your own problem. Yes, you read that right! This may be tough for you perfectionists, but stay with me. Start thinking, I am the problem. I am the problem. I am the problem. When you do that, you take the outside circumstances and bring them inside. Suddenly, you have power.
If you assume that you are the victim, you lose power. You shut down all creativity. But when you bring it inside yourself, now the ball is in your court and you can do something about it. You have control. See the switch?
Remember, it is a thinking process, not a feeling process. Some people may say, “Well, I don’t want to be the problem. That feels very negative.” But it’s not. It is really good news! If you’re the problem, you can solve it. So assume the responsibility, own the difficulty, and I guarantee you will create a solution.”

You have a choice and that choice is solely yours. You can take action or you can continue to struggle. I have the solutions to your health and financial issues, but you have to make the choice to learn more. AdvoCare is changing the lives of more and more people everyday. Will you be one of them?

keep-calm-and-make-a-change-67

Life Inventory

“For things to change, you’ve got to change. For things to get better, you’ve got to get better. It’s easy to do. But it’s easy not to do, too.”

“We have so much room for improvement. Every aspect of our lives must be subjected to an inventory… of how we are taking responsibility.” Nancy Pelosi

Take a look at your life right now. Really, examine it. Take an inventory of your finances, your health, your job, and your relationships. Are you comfortable? Are you stressed? Are you happy at your job? I mean, do you really enjoy it? Are you able to provide for yourself and/or your family and able to obtain all that you need and want for yourself and them? What debts do you owe? – Mortgage(s)? Credit cards? Student loans? Doctor bills? Car payments? What about your health – feeling pretty healthy? Have you been sick a good bit? Are you taking steps to preserve your health and weight management? Is any aspect of the aforementioned causing rifts in your relationships with your family, your friends, and/or your co-workers? Are the relationships you have with others strained due to the nature of the relationships themselves; i.e., are those with whom you have a relationship with bringing you down, keeping you from succeeding, not allowing you to fulfill your goals and dreams? What are your goals? Do you have any or are you just riding the wave of comfort-ability in hopes that something falls in your lap?

Now, think about where you are two years from now. Are you still at the same job and are you enjoying it? Think you’ve gotten a raise by now? Are you hanging out with the same people that you’ve become “comfortable” with due to the fact that you’ve already been hanging out with them for a while now? How is your health now? Have you put on a few pounds? Are you seeing the doctor more often? Are you “feeling” older? Are you any less stressed or more relaxed? More importantly, are you any closer to meeting your goals?

What about five years from now? How about ten? Are you still working at the same place? If not, where do you think you’re working? Is there some plan that you’ve already put in place that assures you that you won’t be at the same job or you just “think” you won’t be at the same place in ten years? Plain and simple, what the hell are you doing with your life now that is going to give you financial freedom and preserve your health for the next two, five, ten years and for the rest of your life?

I know the majority of you reading this are not going to be able to answer some of these questions. To be honest, I’m absolutely certain that a few months ago I couldn’t have.

In October 2012, I realized I had been lying to myself. I had been lying to myself for years. I found myself telling all my friends, family, and even myself that I would not be living in Montgomery much longer and that I would soon return home to Louisiana. Heck, I even told my friends and family in Louisiana that I would be living back home soon. I honestly didn’t believe I would be living in Alabama for much longer, much less Montgomery; however, when I sat down and thought about it, I realized that nothing I was doing was helping me get any closer to reaching my goal of returning home. At that moment, I felt trapped. How exactly was I going to get back home? I couldn’t just quit my job and hope to find one paying the same amount or more. I certainly couldn’t work somewhere that would pay me less. Hell, I was barely scraping by as it was. You know what else I planned on doing? I had been planning to take care of my parents when they could no longer care for themselves. What a joke! I was barely taking care of myself as it was. My debt – $200,000+. Yeah, student loans, credit cards, vet bills, and year-old doctor bills add up.

I realized I had just been telling myself, “Someday. Someday I’ll be moving back home. Someday I’ll be able to afford it. Someday I won’t have financial struggles and I will be set. Someday I’ll be able to take care of my family.” Who the hell was I kidding? I haven’t had a raise in five years and I’m not getting one from my current job anytime soon. If anything, my situation is much worse than it was when I began practicing law due to inflation and my student loan payments graduating. By the way, student loan companies don’t care if your financial situation has improved or not. If it’s time for your loans to graduate, guess what… they are graduating! That’s right – your payments are getting jacked up pal!

For the past couple weeks I have been reading one of the most influential books I have ever read. It’s a game-changer and has most definitely become the driving force behind this post. Here’s an excerpt from that book, The Slight Edge by Jeff Olson:

“Some day, when I have the time, I’m going to … Some day, when I have the money, I’m going to … Have you ever said that? “Some day … ” It’s a way we have of reinforcing the illusion that the future is safely far removed, that it doesn’t really touch us. It’s a lie. Not an intentional, willful deception, but a lie nonetheless.”

Do you relate to that? I do, without a doubt. How ’bout this:

“…if I didn’t choose to do something to become successful, I was going to become unsuccessful for the rest of my life. Think about that. If you don’t figure out something to be successful at, you have to be unsuccessful at it for the rest of your life.”

What are you saying “someday” about? What plans do you have that you don’t have plans for? How are you going to reach your goals, your aspirations, your dreams? I know the majority, the large majority, of you are probably finding that your breathing isn’t normal right now whether it’s because you’re panicked or feeling trapped and a little claustrophobic, maybe. When I asked myself the above questions I started to freak out. I didn’t want to be trapped by my job. I didn’t want to feel trapped in the same city, the same state, the same place all because I don’t have the money to go where I want, live where I want, or work where I want. That’s a terrible feeling.

I’ve got good news if you’re just now realizing what I realized a few months ago. I was introduced to a solution that would change my life forever. It has allowed me to pay off over $18,000 in debt in just over two months at a rate of over $230 per day. If you would’ve told me that would happen a few months ago I would’ve asked you if you planned on me winning the lottery. The fact is, those numbers are 100% accurate and I’m not the only one who can do that.

BUT as Olson states in The Slight Edge,

“[f]or things to change, you’ve got to change. For things to get better, you’ve got to get better. It’s easy to do. But it’s easy not to do, too.”

I want to share some stunning statistics with you that you may or may not know about yourself, your neighbors, and the state of people like you and me in this country:

Average household credit card debt is close to $16,000.
Total bankruptcy filings in 2009 were 1.4 million.
Total U.S. consumer debt is $242 trillion.
36% of people polled didn’t know the interest rate on their credit card.
Over a lifetime the average American pays over $600,000 in interest.
43% of American workers have less than $10,000 in savings.
Only 16% of Americans feel confident in their ability to save enough for a comfortable retirement.

Pretty shocking, huh? Do you fit into one of those statistics? Two of them? All of them? If you weren’t panicking before, are you starting to panic now?

What I did to change my situation is no secret. It isn’t rocket science. I sat down and I gave my goals and dreams deadlines. I looked at each dream I had and I asked myself “by when?” Here’s how I changed my situation: In November 2012 I began to build a business with the help of several friends, some new and some old. I did that by becoming an Independent Distributor with AdvoCare. Before November I had my skepticism to thank for not allowing me to change my situation for the better. I watched my friends change their situations and I finally decided that I had to give it a shot. I mean, what else was I doing besides just letting time pass while moving further away from my goals?

“There are three types of people; those who make things happen, those who watch things happen, and those who say what happened.” – The Top 10 Distinctions Between Millionaires and the Middle Class

I wasn’t going to be a person that watched things happen anymore. I wasn’t going to be someone that told others what happened or what was happening with my friends’ AdvoCare businesses anymore. It had become time for me to make things happen for myself and change my situation. So I did… and the best part about it is, I’ve helped numerous members of my family and my friends improve their health and finances while doing it. Here’s the million dollar question… are you going to be part of the 5% of the population that does what it takes to change and seek success or are you going to be part of the 95% that is comfortable now only to grow old and find that you’re uncomfortable later? It’s easy to do, but it’s also easy not to do. It’s a simple decision. You have within your discretion the opportunity to improve your health, your relationships, your job situation, and most definitely your finances. You can contact me or you can wait another day, week, month, year or longer until you are finally stressed to the max with your situation. I can only make you this promise about that decision… when you finally do decide to contact me, you’re going to wish you did much earlier.

I asked a few of my friends to write a paragraph or two on how AdvoCare changed their lives. Here are their stories…

Rachel Robinson: In just two months Rachel has earned over $3,000 with AdvoCare!

AdvoCare, simply put, interrupted my life and gave me crystal clear vision for my future. Before Advocare, I was an exhausted mother of three who poured everything into a job that gave me very little in return. I was overworked, under appreciated, undervalued….and did I mention exhausted? Time I should have devoted to my family and my health was being stolen from me. My only goals were to be able to pay off my husband’s and my student loans before our kids went to college so we could afford for them to go.

After hearing my friend James’ story and trying a Spark for the first time, I knew we might have found something special. My husband and I decided to both try the 24-Day Challenge to jump start the healthy lifestyle we promised to each other in 2013. We lost a combined 15 pounds, 15 inches, and 7% body fat. We lost exhaustion, sluggishness, joint pain, inflammation, skin problems and a whole host of other things but gained an amazing network of people we now consider family through AdvoCare! Because we have been given this amazing vehicle to help others the same way we were helped, we will now be free of student loan debt in 3 years or less and have an amazing vision of what our future will look like!”

Alece PughIn just THREE WEEKS Alece has earned over $2,000 with AdvoCare and lost 20 pounds during The 24-Day Challenge! Here is her story:

“I was introduced to the AdvoCare 24-Day Challenge in the beginning of January by my dear friend Kayla Matthews. I joined AdvoCare as a distributor so that I could enjoy the benefit of the discount but not really having the intention of working with the company. As I progressed through the challenge, something changed in me. I began to not only lose weight, but feel better both mentally and physically. After suffering from the side effects of lupus for years, this was the first time In ages that I didn’t wake up aching and physically exhausted each morning. My daily headaches quickly had disappeared and my energy was back. I felt like a new me. This new found confidence and achievement led me to start sharing my success with others. Throughout the challenge I managed to lose over twenty pounds and twenty inches and most importantly, regained my good health and wellness. I naturally wanted all my friends and family to have the same amazing experience. I now have two brothers, a sister in law, most of my friends and several new friends who are experiencing the changes thanks to the Challenge!

My life took an unexpected and much needed turn when I became a distributor with AdvoCare. I now am not only healthy and in the best shape of my adult life, but I have been able to give that gift to the people I love and also earn extra income. The financial freedom I am gaining is life changing. I was able to cover my house note and was left with spare change In the last two weeks alone by devoting a few hours a week to my new passion with AdvoCare  The fact that I know I can put money in a college fund for my kids, go to Italy with my husband and free up my time from the millions of hours I work with my other job is a true blessing. I will forever be grateful for the time my friend Kayla took that fateful day in January to ask me if I wanted to join her in a Challenge.”

Those are real life people. Those are my friends. Those are people’s lives I have changed and am still changing either directly or indirectly with the help of others and now they’re doing the same. Do you have any idea what that feels like to give yourself financial freedom and better health while giving that to others at the same time? It’s incredible. You have the opportunity to do the same thing in the same way that I have done it.  Wanna start changing your life for the better? Want to start improving your health and financial situation? If you answered yes, then e-mail me, Facebook me, Call me, text me, or ask me in person how I can help you change your current situation.

Turn your “someday” into a “definite day.” Set things into action NOW that will help you reach your “someday” goals. Stop dreaming and start doing. I’ll leave you with this line from John David Mann’s, The Eighth Day of the Week:

“Some day … The eighth day of the week. The only day that never comes. This is the day—this one. Right here. Right now.”