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So today I want you to go and get a pen and paper, that is correct no computer, tablet or phone. Look, this year has been challenging to say the least –  two car accidents, friends and loved ones diagnosed with terminal illness, but I will not be defeated; neither are they and neither should YOU! Here are a few positive daily affirmations that I want you to add to your personal daily speech.
Our subconscious mind is a repository of countless information, and is in charge of 95% to 98% of our awareness.
Any financial problems or blocks are stored in the subconscious, therefore if you want to make a change in your life, you have to reprogram your subconscious. The first and most important step at the same time how to change your life and thus financial problems is reprogramming your subconscious. The best tool to reprogram the subconscious mind are positive affirmations.
Therefore, it can be said that many people have goals and yet they never attain all of them. In this blog, we shall go through the method of visualization which can help a person realize his or her goal in life.
For whatever reason, if no previous event comes to your mind than try to make it up that how it feels like to be successful. Take a deep breath in and release out gently at the same time relaxing your body more than before.
You are now entering a very powerful state to begin the manifestation work by the visualization technique. Imagine your consciousness shifting to an ideal place (actual or imaginary) in nature where you always feel most relaxed and spiritually connected to the Universal brain. Settle down comfortably in your favorite lounge chair or recliner, where the positions are adjustable by you.
You are now in a powerful state of mind, well connected to the Universal power which is infinite and source of abundance. Think of the past event in your life where you had achieved success and play it on the screen. After you have watched this movie, now play the movie of your new dream goals as ‘already achieved’.
While still in the scene, get up from the chair, come out of your private cabin into the open.
Slowly count from 1 to 5, telling yourself that it is time to return your thoughts, attention and consciousness to your present place – your home or hotel room. If your answer to any of the above questions is yes, then you should read this blog several times to help you control your over spending habits! While we all like to go overboard sometime or the other but if it is done on a regular basis then it needs to be controlled and stopped with conscious efforts.
But don’t let this you scare you as the tips given here shall help you curb money over spending habits. Begin by deciding that you will save a particular amount in the next 3 months through a regular cut on your spending too much money. Make a promise to yourself, your parents and your family that you will save some money by controlling overspending.
To help you stick to the promise, you will actually have to be smarter than before in your spending. It is quite possible that initially you may overshoot the budgeted amount but keep revising it by striking out the unnecessary items or the purchase of items which can be postponed until you reach the desired figure. Similarly ask yourself that do you actually need the sixth white shirt or eight black leather belt or can the purchase of new mobile phone wait?
Some people have the habit of carrying maximum amount of cash in their wallet while some like to carry dozens of credit and debit card.
Research has proven that typically it is easier for people to spend when they pay with credit card or debit card, often resulting in over spending or buying extra. Therefore, to generate actual feeling of parting with money, it is recommended that you make the payment in cash.

Most of the rich people you see or even know personally became rich by investing wisely and their fortunes rose steadily over a period of time.
Keep a record of what you are earnings and against that what you are buying and the expenses you are paying for.
There are many ways to think positively about your future and motivate yourself to save and invest. Once you’ve learned how to be good at saving and investing rather than merely spending, pass this on.
Helping others will continue to reinforce these steps on you as well – regularly and you will only get better.
Use these affirmations as if you are already the master of your emotions ( it works much quicker and easier), at least twice a day for 7-10 minutes.
I never believe in making them because I always thought that actions will speak louder than words. You may consciously love money and want more, but your subconscious mind reacts differently. And there is a stumbling block.
If these desires are not just wishes but serious then you can give them better name such goals, ambitions, targets. One of the reasons on the psychological and metaphysical level is that they never see themselves in their mind’s eye achieving them. The world of internet and printed books is full of the recommendations and endorsements by authors as well as successful people who advocate the visualization technique to accomplish just about anything. These goals can be relating to money, increase of income, wealth, getting a job, increasing prosperity, being successful in business, having a harmonious relationship or just about anything.
So prepare yourself by putting your phone and other communication system on silent or switch off mode. Repeat this inhaling and exhaling cycle 3 to 5 times, making your mind and body completely relaxed.
Suppose it is a dream goal of becoming CEO of the company you work for, then see a big party being thrown in your honor at a fine property which could be a hotel or a resort. See it with your eyes, hear the congratulations, the soft music with your ears, smell the freshness of air and the perfumes people are wearing with your nose and feel the handshake and the gentle pat of people with your skin. While you may want your basic needs to be fulfilled you do not want to spend unnecessarily. Even now you may have forgotten to include certain items and you still have to produce the results. I was recently watching a TV program where a team from the TV channel office actually went to the house of a few people and checked the food items in the refrigerator. This is not to say that you should not reward yourself for a good achievement or not celebrate success.
If you are a compulsive shopper with a minimalistic habit of saving and investing, then this is like giving a signal to yourself that all this money is readily available for spending.
When you don’t pay in cash you do not feel cash going out of your hands, because a plastic card does not look like a wad of currency notes. Take out the wallet or the purse from your pocket or your handbag, pull out the dollars, count them carefully and then pay to the cashier. Invest in judiciously in two or three financial instruments and don’t put all your eggs in one basket.
It is quite possible that the analysis of a month’s records may show that a few of your purchases were not wise or could have been at a better price. For example, you can have a vision of a debt free and a happy person who is enjoying financial freedom as a millionaire. Even if you have come a long way until now – hopefully following first 9 steps to control spending too much money, the old behavior patterns have the habit of coming back like the rubber band, especially when the person lowers the guard. You may also think of retiring as a rich person, who continues to afford and enjoy all the good things of life even after retirement. They can help you in all aspects of your life, and give you the strength to stay positive throughout the new year 2016.

Look I will continue to speak the power of daily affirmations into my life because there is POWER in setting your mind to do something GREAT!
Here is a free audio version of her book I Can Do It – The Power of Thoughts and Affirmations. But, when actions get tired sometimes, they need something to fall back on and affirming words can really help me pursue my 2015 ambitions. Going further, they do not associate the energy of positive feelings and emotions of being successful with their goals.
It does not matter in what field you were successful it could have been academic achievement, winning a debate, scoring very high marks in a competitive exam or athletics.
Now relive that moment once again, fully imagining vividly with all your senses involved that what it feels like to be successful.
Let us say your ideal place is by the side of a small river or stream, where you are sitting comfortably on the grass and the nature is at its beauty. One who would like to acquire all these but have someone pay for it, as they are not keen on parting with their money and the second type is just the opposite.
The matters can go worse if the person’s income is well below his spending and on the top of it he has to service the debt. Once you accept and recognize that there is a problem of spending more money than you earn, you can then begin to correct it. For example, if you make 1000 Dollars per week, then you may like to fix a goal of saving 10% of your earnings in the next 6 months. Thus the best way out would be to make a list of the things you may need for the next 15 days (or you may do it for a month).
To the utter surprise of everyone, it was found that there were extra items, duplicate shopping and eventually they will reach the expiry date not to be consumed ever. But psychologists say that compulsive buying is also triggered as a response to the emotional problem which could be in the form of fear, guilt, shame, anxiety, anger, depression doubt or feelings of inadequacy, or some other emotional matter. The best way would be carry only a small amount ( which you must) and it should be should be sufficient to pay for a taxi , make a few phone calls or buy you a basic lunch. Also don’t buy too many financial investment products in one shot, instead learn about them and then proceed carefully. You can’t be a good financial or investment adviser to others unless you have learnt it well yourself and practice it successfully.
Even an occasion when you got very charged up and felt inspired by either listening to a speech or watching a video will do. The temperature is just right, there is cool breeze caressing your face and Sunshine is providing just enough warmth. You should learn to identify what emotion or circumstance triggers an urge to buy and put a conscious stop to it. You are much less likely to go on a compulsive spending binge because you already have decided to carry a limited amount of money and parting with money will make you think before spending.
Notice your friends, colleagues and spouse congratulating and there is an atmosphere of celebration in the air. Remember that your monthly expenses should be well below $3600 (continuing with the previous example) as you may have some unplanned expenses or there could be some contingencies. If you cant handle it yourself you may take the help of a professional therapist or a counselor. Second when you see your investments growing and multiplying, there  will be motivation to do even better.

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