Get Frustrated!

If you want things to change, you have to be really frustrated, pissed off or down right angry about your current situation. If you are content, happy or comfortable with your current situation then nothing will change.

I am not saying that you have to be frustrated or pissed off all the time, it’s just that you should be uncomfortable enough with your current situation that you can’t stand it any longer and must change it.

Want to lose weight or get fit, this will work only if you are uncomfortable with with your current situation. The same if you’re broke, single or balding. We only come this way once, if you are not happy with your current results. Look at what you have been doing and start to make some changes.

Tired of renting, then save some money for … Read more

Do you know where your money goes?

If you are like most people, you have no idea where your pay check went. Often you have more month left after all your money has gone.

Let me ask you, when you get paid do you pay yourself first? Do you do something fun then try to pay your bills or do you have a plan?

If you are not successfully budgeting and are frequently struggling with your personal finances then I highly recommend that you take a look at YNAB. Yes it stands for You Need A Budget.

It has 4 key rules;

  1. Give every dollar a job
  2. Embrace your expenses
  3. Roll with the punches
  4. Age your money

Do yourself a favour and check them out here, and enroll in one of their classes ( they have several). There is always something to learn. Or you … Read more

1% Better

When most people go to change they go at it thinking and wanting massive change. They want to double their income, lose 50+ pounds, run a marathon or create the next hot app. We live in an instant gratification society and we want results yesterday. We are so impatient.

We need to just slow down and take it step by step. Being a founding member of the impatient society I have had to learn this the hard way. Daily meditation with the help of the Headspace app has really helped.

Another way to look at it is asking yourself what could you do today that could bring you 1% closer to your goal. When you think about it 1% done everyday adds up quickly and adds up to a lot.

If you want to get to 100 push-ups, start with … Read more

What’s Holding You Back?

We all have things that we want to do but we never seem to be able to do them. It could be to lose weight, manage your finances, improve your relationships or get a better job. We are all so afraid of failure that most times we never try. You rationalize that it’s not worth the effort so you don’t even take the 1st step.

I made a decision last year to read more and watch less tv. So an hour a day I commit to reading to learn more and to possibly improve myself. I read a great book by Mel Robbins and in it she talked about not giving into your fear and to just count down 5-4-3-2-1 and to just do it.

If you can do just one thing today, do that. Tell someone special how important … Read more

Some days you’re the Steamroller

Other days you’re the pavement. Trust me this is not a decision that you want to put off till the end of the day. Just decide at the start of your day that you’re the steamroller and the rest of your day will go much better. images

Cheers,

Pat

Ps- Not every blog post will be a sales pitch for mortgages, cause I am not that kind of guy. I want to entertain and inform and occasional provide mortgage information.… Read more

Remember to breathe

You ever have one of those days where one thing happens then another, and all of a sudden it’s 4 o’clock. Well today was one of those days. Between another freak snow storm to start the day, to driving the kids to school, to power outages,  to broken wi-fi routers  and conference calls it’s now 4pm.

But we all have days like this so we have to remember to just slow down and breathe. We might think that we get more done if we rush but actually they just end up getting done half assed.

Here’s to making tomorrow better and more memorable. Going to hug my kids and forget about it.

Cheers,

Pat… Read more

Dear Dad Letter

I saw this on a website today and could not resist putting it here. 

 

A father passing by his son’s bedroom, was astonished to see the bed
was nicely made, and that everything was picked up and tidy.
Then, he saw an envelope, propped up prominently on the pillow. It was addressed,

‘Dad.’

With the worst premonition, he opened the envelope and read the
letter, with trembling hands.

Dear Dad,

It is with great regret and sorrow that I’m writing to you. I had to
elope with my new girlfriend, because I wanted to avoid a scene with
Mum and you.

I’ve been finding real passion with Stacy, and she is so nice, but I
knew you would not approve of her, because of all her piercings’,
tattoos, her tight Motorcycle clothes, and because she is so much
older than … Read more