3 Mistakes You Should Avoid If You Want To Get Out of Debt

Raymond Aaron, the nation’s number #1 success and investment coach, has committed his life to teaching people just like you how to utilize his powerful goal setting strategies and life management tools to dramatically change your life for the better.


Here are 3 things that will make it difficult or even impossible to get out of debt. If you notice yourself doing any of these, then you can breathe a sigh of relief--because things are about to get easier when you stop doing them!

1. Don't blame the economy. Or the bad habits your parents taught you. Or your boss who won't give you that raise you so desperately need (want...).

Acting as though someone else is responsible for your problem does NOT empower you to be able to change that problem. And it sure won't help you get out of debt.

Even if your financial state is somehow someone else's fault, you can bet they won't feel too inclined to get out of debt for you!

Give yourself power over your problem by owning it and taking responsibility for it--even if you didn't create it.

2. Don't try to make more money. This isn't a problem in and of itself. But it does become a problem when you use it as part of your strategy to get out of debt.

You would think this would be the number one thing to do, right? But a raise in income rarely helps anybody to get out of debt. In fact, most people will just dive down further in the red, in direct proportion with their new higher level of income!

Really, what you should do instead is change how you spend. Otherwise, you're very unlikely to ever get out of debt, no matter how much money you make. People of all incomes are in debt, and it's because of their spending habits--not the adequacy (or supposed inadequacy) of their incomes.

A complete guide to changing your spending habits is beyond the bounds of a single article. But almost every one can look at their monthly spending habits and find non-essentials that can be cut out or accomplished more cheaply, with the resultant savings being used to help you dig yourself out of the red.

Even if you do get out of debt without a change of spending habits, you'll likely end up in the same bad financial situation within a year or two's time if you don't change the way you spend money.

3. Don't expect to get out of debt overnight. Or within a year's time. Removing debt from your life and getting back on your feet financially is a process that will take some time.

The worst thing you can do is to just give up and file for bankruptcy because you think it will take an impossibly long time to get out of debt. Once you decide the steps you need to take, just make sure you stick to them. With every passing month you'll see improvements--sometimes more than you expected.

Soon--perhaps a lot sooner than you think--you will get out of debt, just as long as you stick with your plan and keep your goal in front of you.

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2 Things to Quit If You Want to Get Out of Debt

There are two things you absolutely have to quit if you want to get out of debt. Neither one of them involves you changing your spending or saving habits, either!

These two things you need to quit in order to get out of debt come before any action on your part. If you want your efforts to get out of debt to really be effective, you must first make two shifts in your attitude. Only then will your actions propel you in the right direction.

1. Quit blaming the economy. Or the bank. Or the credit card company. Or your parents' bad spending habit that you unfortunately picked up. While you're at it, quit blaming yourself as well!

Blame isn't going to get you anywhere. Even if it did, the you that racked up all that debt is different than the you that's trying to erase that debt forever. So lay off the economy and lay off your parents. And if you want to get out of debt (or fix any other mess you have in your life), lay off yourself. Blame won't get you anywhere.

But responsibility will. That's why you have to take responsibility for your debt. Even on the off-chance that someone else ran up all your credit cards and you are irrevocably stuck with the bill, it's now your responsibility.

When you blame someone else, you frame your problem as something that someone else has control over. And when you blame yourself, you spend energy tearing yourself down.

When you take responsibility, you take control of your situation. Your mental attitude then empowers you to own your situation. Only then will you be able to do with your situation what needs to be done.

2. Quit dwelling on how deep in the red you are. It's good that you finally realized the full importance of what it means to be in debt. And it's good that you realized what it means to have your specific debt. After all, you can't adequately take care of a problem until you've identified it, and taken stock of how large (or small) it is.

Realizing how big your problem is important--but it's only a single step. And it's certainly not a process that will solve anything.

Nobody ever fixed their problems by thinking about how bad those problems were. Instead, they thought about how good their lives could be if they fixed those problems--and then got to work doing whatever they needed to do.

You activate the Law of Attraction every time you pair a focused thought with a strong emotion. Anyone who is in debt is likely to have some pretty strong feelings about it. But since you get more of what you focus on, it's better to focus on the happy feeling that you will someday get out of debt, than on the sad feeling that you're already so far in it!

I know how overwhelming this feeling can be--I was once over a million dollars below the black! But I eventually figured out that I wasn't going to change anything for the better if I worked for the good but dwelled on what was bad.

Take responsibility for your situation and spend your emotional energy on how good you're going to make things. Only then will you have the right frame of mind to get out of debt!

For more information, go to www.giftfromraymond.com

My Mentor

Okay, I have posted a lots of articles written by Raymond Aaron but I didn't introduce who is he. Now it's the time to tell you guys why I am featuring his articles.

Reasons are the following:
☻ I really love his point of views
☻ He is an internationally-famous dynamic professional speaker on the topic of DOUBLE YOUR INCOME DOING WHAT YOU LOVE.
☻ The Double Your Income Guy (DYI)
☻ He is the nation’s number #1 success and investment coach, has committed his life to teaching people just like you how to utilize his powerful goal setting strategies and life management tools to dramatically change your life for the better.
☻ Raymond has spent many years developing, refining, and testing the techniques that he teaches so you don’t have to struggle to get what you want in life. You don’t have to reinvent the wheel. You just have to follow his guidance.
☻ He used his own innovative techniques developed over the last two decades, he shows you how to—step-by-step—take conscious control of your world so you can double, triple, even quadruple your income doing what you love to do.
☻ He is absolutely committed to helping you achieve what you want in this lifetime—just as he has helped hundreds of thousands of others around the world achieve their dreams.
☻Raymond credits his success to the collected wisdom he has received from his mentors and his own life-tested techniques. Techniques that can help you create the most joyful, abundant life you can imagine. Techniques, incidentally, that he himself applies everyday.
☻ And many more :D




Thank you Raymond! Hope I'll meet you soon..**wishin**

Double Your Income With Health, Happiness, and Passion

You may already know that differences in brain chemistry affect how men and women communicate, but did you know that the same type of dissimilarities impact our health, happiness and ability to maintain passion in a relationship?

Dr. John Gray, the author of "Men Are from Mars, Women Are from Venus," says that mineral deprivation and the Mars/Venus principle both play a significant part in relationship issues, as do sharp increases and decreases in sugar levels. Simply put, men and women have different nutritional needs but don't usually fit diet to gender.

Plus, understanding and accommodating our individual foods requirements has become significantly more important since we're not getting the nutrients we need from our food because synthetic fertilizers have depleted farming soil of the minerals essential to our wellbeing. Additionally, our water is impure and we're getting less oxygen because the air is polluted.

To make matters worse, we're all living with consistently higher levels of stress on a daily basis at the same time that many of the foods we're eating are sending us on roller coaster rides of emotional ups and downs.

Specifically, minerals are essential for producing the metabolic or digestive enzymes necessary to activate all the processes in our bodies. Deficiency makes our bodies less able to digest proteins properly which means that we don't produce enough amino acids to give the brain enough of the two main chemicals in the brain that affect moods, emotional responses and arousal levels (dopamine and serotonin). Men are more likely to have low levels of one; women the other.

At the start of a new relationship both genders produce greater levels of these brain chemicals so the two people involved feel caring and passionate and are able to give and receive what they need from the other partner; over time, however, if they aren't getting enough minerals, imbalances occur and problems ensue.

Men produce less dopamine than they need and require more activities outside the relationship to help them experience pleasure. Most often work becomes the top priority because there are more opportunities to stimulate dopamine production through the "high" that comes from feeling successful. Sports, making money, driving fast and other risky activities also increase the amount of dopamine.

In addition, men have the gene that converts alcohol into dopamine whereas women react to its sugar content which may lead to a physical "crash." Women are also more likely to have low serotonin levels because they need more of it to relax the emotional part of the brain than men do. The things that give them pleasure, like nurturing, feeling romantic and receiving empathy, also produce more oxytocin, which is the love hormone.

Chemical levels are also impacted greatly by the ongoing stress that comes from life responsibilities like meeting the mortgage and paying utility bills. Our bodies respond to stress by elevating cortisol levels which is fine when there really is an emergency; the fight or flight phenomenon uses up the extra cortisol we produce and then allows the body to rest. Constant stress, on the other hand, results in a build up of this chemical which inhibits our ability to burn fat.

For women, who are more indoctrinated to worry about body image, high cortisol levels have a negative emotional affect on their ability to feel good about themselves and their sexual desires. They may turn to high-sugar comfort foods which only make the situation worse across the board.

Here are five things everyone can do to help their bodies and their relationships better:

1. Stop using artificial sweeteners

2. Avoid trans fats

3. Drink a glass of lemon juice, water and aloe vera every morning.

4. Jump up and down for at least 5 minutes every morning to increase the amount of oxygen and endorphins entering your body. You'll have more energy, think clearer and start the day off feeling better than you would otherwise.

5. Replace your usual breakfast with a protein shake. Add ground flax seed, apple and ground almonds. Use molasses to sweeten.

Wealth Secrets 101 - 5 Goal-Setting Keys to a Wealthier Life

1. Set strategic goals. Strategic goals are those broad, long-term goals in our life, such as, "I want to buy a new house for my family by 2011," or "I want to become a full partner by the end of next year." They are the wealth secrets that everybody knows about on the front-end, but that few know about to the very core.

Strategic goals are important because they represent not only where we want to be in the future, but where we think we are now and how worthy we feel as individuals. Strategic goals are also important because they very much determine where we will end up in the future!

2. Set tactical goals to achieve those strategic goals. These are the short-term goals along the way that support the strategic long-term goals. Mixing these goals together is one of the greatest wealth secrets you can ever learn.

In our examples above, the tactical goals might include, "fix my credit," "increase my income by 25%", and "start getting to know my local real estate agents" for supporting the strategic goal of buying a new house.

Every larger goal becomes much easier to reach when you break it down into smaller goals. And even the tactical goals given above can be broken down into even smaller, shorter term goals. You should also take the time and effort to

3. Set annual goals--both strategic and tactical. These are for the most part strategic goals, although they could be tactical goals as well when you are dealing with large, very long-term objectives.

It's important to have things that you want to achieve every year. A year is long enough that you can make some substantial strides in your life, yet not so long that you seem to take forever to get there.

4. Make annual reviews of your goals. No one's life ever stays the same (and we get bored if our lives did?). That's why it's important to re-evaluate your goals every year and make sure they are still appropriate to the life you are living.

You may discover, for instance, that you have reached one or more of your objectives without even realizing it! You may laugh now, but it happens all the time. And it's always very gratifying when it happens.

5. Write your goals down as though you have already achieved them. When you do this, you fool your subconscious into thinking you really have already done what you wanted to do. This makes it easier to accomplish your goal a "second" time.

This is one of the best wealth secrets I know. It's a way to counteract the "fear if success" that sounds so illogical to so many people.

Fear of success simply stems from being afraid of how the world will change once we reach a new plateau. If you write down your goals as though they already happened, you'll trick your mind into thinking you're already there.

It will notice that you are still comfortable and that the world hasn’t fallen apart, so it sees no reason to stop you from hitting that goal "again". This trick is truly one of the greatest wealth secrets you can ever take advantage of!

Two Counter-Intuitive Steps to Get Out of Debt

Here are two steps that I feel are essential if you want to get out of debt. They may sound a little strange at first, but they make perfect sense once you give them a little thought.

1. Focus your concentration away from your debt.

You might think that to get out of debt, you need to think about your debt a lot. But nothing could be further from the truth.

Of course you need to take the steps to get your financial situation back into positive numbers. But you don't need to focus obsessively on your debt. If you do, you're only too likely to get more of the same.

The Law of Attraction states that we get more of the things that we a) focus on b) with great emotion. If you focus on your money problems while feeding into your feelings of worry, then guess what? You'll only end up with more money problems and more worry. That's certainly no way to get out of debt!

Spend the proper effort to figure out where you are financially and what you can do to get where you want to be. That is the only responsible thing to do--the only thing that will get you out of debt.

Then, after that, get on with the rest of your life. After all, haven't you already done a good enough job with your plan? If you have, then there is no need for worry, as you will be out of debt in good time.

You might even indulge in a little happiness as you picture your future wealth!

2. Don't be afraid to spend money. If you want to get out of debt, you've got to be really tight with your money--right? After all, you wouldn't want to get any deeper in debt! Right?

Right?

Well, kind of.

It's certainly true that you don't want to spend frivolously. You can still live well without going out to eat or buying name brands. Most of us don't need all the services we pay for every month, and most everybody could probably cut at least one. We all have places we can cut corners.

But hanging on to your dollars with a tight fist and being scared to spend, only puts you into a scarcity mentality. And that mentality is all too much like the debt-focused attitude mentioned above. Its effect on what you attract into your life is the same.

Another way in which you shouldn't be afraid to spend money has less to do with your attitude and more to do with financial services. Don't be afraid to hire a financial advisor or to spend money on a financial membership course in order to get out of debt. After all, these people spend their entire careers guiding people through situations like yours. The money you spend on their services or guidance is likely less than the money you'd spend in the trial-and error process of doing it yourself. And that's only one reason it's highly important to enlist outside aid if you want to get out of debt.

3 Goal Categories that Will Help You Double Your Income

Want to double your income? Congratulations! You have picked a worthy goal that many people are too intimidated to ever shoot for.

One important thing to realize when you want to double your income is that large goals are usually made from a set of smaller goals. If you really want to increase your wealth, you'll need to focus on more than just the money in your life. Here are three areas to concentrate on.

1. Mess. A mess category may not sound like a good place to start when you want to double your income, or when you want to achieve anything else for that matter. But it is absolutely essential that you start out with this category. Why?

Because messes are the locks on the gate that keeps abundance out. Clean up your messes and you'll have more abundance.

Messes don't have to just be physical messes. A mess is any situation in which what is outside of you, is not equal to what is inside of you.

Physical messes are actually the easiest to clean up. The most difficult to clean up--and the most harmful in our lives--are our relationship messes. This includes our relationships to others as well as our relationship to ourselves.

If you want to double your income, you've got to start cleaning up the messes in your life. No one will expect you to clean them all up instantly. You'll only frustrate yourself if you try to do this. But you'll do yourself and those around you a big favor if you put daily effort into cleaning up the messes in your life.

2. Acknowledgement. This is any way in which you want to thank or acknowledge another person for their contribution to your life or the life of others. These people can be from any group in your life--family, friends, clients, customers, partners, or anyone else who has positively affected your life or the lives of those around you.

Acknowledgement strengthens your relationships, and it does it in a way that strengthens you.

It's certainly true that you will be closer to the people that you acknowledge in your life. But it's also true that when you strengthen others you strengthen yourself.

We are after all affected by the people we choose to associate with. So why not create a positive feedback loop with the important people in your life? When done with business associates, this is a great step to double your income. It can also double your happiness in your family life.

3. Wealth increase. Every one of the three areas in this article can help you double your income if you give them the proper time and attention. But the wealth increase area is, of course, the one most directly related to growing your income.

Your wealth increase goals don't have to just include getting a raise, making more sales, or expanding a business that you may own. They can also include reducing your debt, putting money into savings, or investing in long-term assets such as real estate.

You can increase your wealth even if you don't double your income--but you'll be much happier if you can do both!

Double Your Income With Blogging

Do you have a blog? Do you know what a blog is? Do you make money on your blog? Are people reading your blog?

Learn about Making Money With Blogging!!

What is a blog. It is a contraction of the two words "web log". Say it fast five times and it will sound like "weh blog". So, Internet types just dropped the first "weh" and it became "blog" - a recent word which has just joined our lexicon. Start a blog by going to the website for WordPress and simply answer a few easy questions and you own a blog. Use your real name as your User ID so that the URL of your own personal blog will be www.wordpress.com/yourname.

Choose a theme: anything you are passionate about. Anything. There are blogs on every imaginable area. Just type a paragraph or two and that is your first blogpost.

Initially no one will know of your blog nor what its theme is. Here are some easy and free ways to begin advertising your blog:

1.Email all your friends and advertise your blog to them for free.
2.Then, go onto other people's blog and leave comments and tell them to go to your blog.
3.Also, put lots of relevant "tags" in each blogpost which are key words which Google uses to search. That way, people can find you whom you don't even know.

People will begin finding and following you. Your readership will grow. Your stickiness will grow - that means how long people stay on your blog.

Let me share with you the stats for a blog of a friend, which may well be typical :

-total number of visitors to date: ........................ 2,728
-average number of daily visitors to date: .......... 136
-average number of daily visitors last week: ...... 263
-total number of blogposts to date: .................... 17
-average length of stay to date: ........................... 2 min 39 sec
-average length of stay most recent week: ......... 3 min 41 sec
-average length of stay yesterday: ...................... 5 min 45 sec

Notice that:
-the number of visitors is rising
-the average number of daily visitors is rising too
-the average length of time visitors stay is rising

Why is all this happening? Because people are finding out about this blog and liking it and telling friends. That is what will happen to you too.

As soon as you have loyal readership, you can begin offering your own products or services for sale. Or, you can offer products you find for sale. As long as you recommend it and as long as they like and follow you, you will make sales. Yes, make money with blogging. For free. Just get started.

Let me give you an example of a friend Joy van Hemert who just launched her first blog. She is so happy ...

This time last week no one had read my blog and 2 people were following me on Twitter. Now, 209 people have visited my blog, some have left compliments and 851 people are following me on Twitter! Wow.

Get in on it, just like Joy did (she just started with nothing last week!) and just likes millions of others are doing. I chatted yesterday with a sales clerk at a store who told me he had 50 blogs on 50 totally different topics! Wow.

Raymond Aaron,New York Times Top Ten Bestselling Author, "Double Your Income Doing What You Love" published by John Wiley and Sons, New York City.

Claim your Gifts From Raymond“to double your income". It's free.

Join Raymond Aaron on Twitter @RaymondAaron.

Join "Raymond Aaron Double Your Income" Facebook Fan Page at http://www.FacebookRaymond.com .

Double Your Income In One Day

It may seem absurd. Double your income in one day? YES, many of my colleagues and friends have done it. And, surprisingly, you may well have done it too without realizing it.

Think of your income in your first year after finishing school. Maybe it was $30,000. Good. Now, that was how much you earned in a year. And, at that time, you were proud of that annual income.

The next step is to see if you can earn that same dollar amount in a QUARTER (meaning in three months). Well, if your current income is $120,000, then you have already achieved that. But, I am thinking of a different definition. I am wondering if there has ever been a quarter in which your income was $30,000. Did you close a huge deal? Did you make a big commission check? Did you get a big bonus? Think about it and you may well realize that you have achieved this.

Next, has there ever been a MONTH in which you have ever earned $30,000 -- or whatever your income was in your first year working?

Next, has there ever been a WEEK in which you have ever earned $30,000 ?

Next, has there ever been a DAY in which you have ever earned $30,000 -- or whatever your income was in your first year working?

When you look at it this way, you may surprise yourself. You may realize that you did indeed get a big check one day for something you did.

What's the best I've ever heard? A friend gave a speech March 2007 to 16,000 eager participants. He was the speaker right before Donald Trump. Those 16,000 people were eager to see Trump (not my friend) but they were in their seats for his speech. He taught the value of mentoring and his talk totally resonated with the audience that day. His mentoring program, at that time, was valued at only $1000 and at the end of his 90-minute speech a whopping 1,000 people ran to the registration tables and bought. 1000 purchases at $1000 each came to a totally cool ONE MILLION DOLLARS in two hours. That is my record.

In his first year of working after school, he earned about $12,000 -- OK, that was a long time ago. So, in TWO HOURS he once earned 80 times what he earned in his first year after school. Eighty. Wow. But, he is not boasting.

I am encouraging you to boast about yourself. What's your best story?

Leave your best story here as a comment to this article. Or, just use this article to inspire yourself to earn in a DAY what you once earned in a whole year !!

Raymond Aaron,New York Times Top Ten Bestselling Author, "Double Your Income Doing What You Love" published by John Wiley and Sons, New York City.

Claim your Gifts From Raymond“to double your income". It's free.

Join Raymond Aaron on Twitter @RaymondAaron.

Join "Raymond Aaron Double Your Income" Facebook Fan Page at http://www.FacebookRaymond.com .