How positive are you now? Have you noticed that when you woke up early in the morning, fresh and positive, then someone came to you and keep telling you negative stuff. Your mood for the day will become negative as well. These people have no intention to drain your positive energy, but it's good that you have your own set of thoughts to filter the negativity, and it's best to avoid these people.

Sometimes you may feel uneasy and guilt to avoid such people if they are your family members, friends or loved one. It's inevitable from time to time people just want to find someone trustworthy to listen to their story about how sad their life, or how they don't like their job, not satisfy with their relationship and don't have enough money. People just want to express their feeling out to feel better themselves, you in turn will become negative.

What can you do?
There are only 2 options for you, either you joined them to become negative or get out from there. If you are reluctant to get out from the conversation, you can choose to buy into that conversation and when you spotted them saying about what they don't want, change them to what do you want. Ask them "what do you really want?” In most cases, when you asked them "what do you want?", they would tell you what they want (often negative people don't know what they want) and this change the whole conversation to become more positive, thus helping the other person achieve a more positive person. If no matter how positive you want to change in the conversation and he/she still remained as negative. You should leave for god sakes, you are responsible to look after yourself to be more positive.

How do you know if you are positive or negative?

Often you can tell how positive or negative you are by how you feel. If you were to measure your positive or negative energy by scale of 1-100, giving 100 is very positive and 0 as very negative. How do you want yourself to be? I bet you would want your everyday life to be above 50 positive, so that you can smile more, worry less and stay as happy you could. How can you achieve 50 above daily, it's all based on how you choose to feel? If you choose to be happy, you will remain happy, I know, it's easy said than done, if you can't choose the state of happiness, there's another option you can take, sticks around with positive people or likeminded people, and start attracting their positive energy.

You can see the difference, your day will be more colorful and you would start to see tree dancing and flower blooming.

Cheers ~

Being in debt is not fun, it's been 5 months since I started my life to be good in money management. I have been living frugally every month without much entertainment, most of my time spent was either gym, swimming, reading books and writing blog. I'm happy to keep myself disciplined in paying myself first, smarter in spending within my needs and afford ability. The interesting part is get to noticed my debts getting lesser and lesser. Guess what? I am living much more happier.

The journey to debt free (referring to bad debts) requires a lot of determination and disciplined, once you have decided to take the first step, you are on you way to debt free and settling Money problems. It takes a thousand miles to begin with a single step. Money shortages are always stressful and serious debt can emotionally drain you.

Thus, you can find dozen of debt management articles spread across the internet, you can read and understand them, but most of us need to dealt with ourself first, the biggest enemy is ourself. Life has up and down, different period in our life, we would have negative feelings of fear and anxiety.

Glad, after all it just money, take out the negative feelings, money problems can always be solve, you are still breathing, you are still alive, you are not losing your loved one or diagnose by incurable disease. You should be glad.

Accept, and don't blame. Part of your debts could be from your spending habit, it's your spending decision to create the problem for youself no matter you are aware of it or  not. There's always a choice, accept and works towards the responsibility.

Stop, spending is easy, stopping is hard. Digging is hard but stop digging is easy, if you are digging yourself into a hole, it's easy to stop digging. Likewise, same to money, when you stop spending, you are getting better control of your financial. Spend within your mean, you just need foods, water, cloth and a roof over your head to survive.

Personality, there's always good and bad debts, many people value a person by what car they drive, what they wear, what brand they carry in their hand or the brand of the watch they wear. What would be the purpose of having debts when you wear a ROLEX watch? Money is not to value a person status in society but the qualities of the person, character and personality. Sticks with true and honest people who don't really judge people by wealth but your their personality.

Learn, to be a lifelong student, it's part and parcel of learning experience in self-growth, debts you can resolve today can be an experience for you to deals with tougher challenge in future. When there is a challenge, there is always an opportunities, it could be a turning point in life for you to discover a better living lifestyle and a new start of life.

If money can earn money, can time earn time? You only live a life for age 18, 28, 38, 48 and 58 once. Do you make any investment to yourself? Please remember that your future is your best investment.

Do you sit down and think about what is your goals? Do you want to get promoted? Do you want to make multiple source of income? Do you want to start your own business? Do you want to get fit? Do you want to live healthier? Once you know what you want and where you are, its easier to figure out where you want to be. Start developing your business plan now and work it through. Why now? because you can't afford to take the risk, you are not immune from job loss, you are not immune to recession, high inflation and laid-off. Investing in yourself is a great way to build up a Plan B if or when you find yourself looking for new ways to pay the bills and support your lifestyle. If you do not know how to spend time for yourself, it is possible others will spend your time for you.

However is not too late, here's 6 ways to rediscover investing in yourself:

1) Eat healthier and exercise to get fit - Health / Fitness

The first thing to invest in yourself is health and fitness. Without them you would not be able to do the rest of the things. Your energy level is largely based on the amount of exercise and what you eat. Eat nutritious food and easy to find food diet for your health. Check out 7 superfoods to enjoy now. Where else exercising give you a healthier body because after exercise your brain releases some chemicals to make you feel alert and feel good mood.

Your Rewards for Health / Fitness:

• Improved energy, strength, endurance, health and body fitness.
• Feels confident with a better body image.
• Stay out from illnesses and disease.

2) Reading more books and enroll in seminar/course - Knowledge / Skills

"Knowledge is power" - You will not waste time reading books, quit watching television and start reading. Reading more books make you more expertise and know more. Make yourself read a book a month.
"Upgrade your skills" - Education is very important if you would like to stay competitive, you should be a life-long student. Invest in yourself taking courses to learn a second language, a Master's degree, professional certificate or joining like minded seminar or class.

Your Rewards for Knowledge / Skills:

• Enhanced your creativeness and generate more ideas for further benefits.
• Explore and rediscover your ability towards what you needs and want.
• Confident and stay competitive in others areas of life and perhaps you can do more that what you are now.

3) Do more charity and meditate to feel good - Morals / Emotions

Do you believe that the more you give the more you will receive, give a hand to someone that needs help, either monetary or expertise. I am sure you will feel good and will receive more than what you give. In fact, you are not just feeling good but earning yourself a life long friend.
Have you thought of meditating for just 10 minutes a day? If you are feeling disturb either emotionally stress. Get yourself meditating and is a proven method to keep your mind at rest and you will see things clearer after the session.

Your Rewards for Morals / Emotions:

• Stay happy most of the time.
• Understand your emotions and keep you focus on the goals you want to achieve.
• Cultivate good attitude being a positive soul mate that everyone love to be friend with.

4) Spend time with family to stay happiness - Family / Spouse

While eagerly pursuit's your goals, you may sometimes feel something is out on your way and you may feel pretty bad about it, negativity came in and sometimes could be overwhelming. You should get rid off all this negativity and charging up positivity by spending time with family because it takes away the negativity and brings in the happiness.

Your Rewards for Family / Spouse:

• Improved family and spouse relationship.
• Avoid misunderstanding through better communication and feels happiness and closeness as 1 family.

5) Start personal finance and investment for wealth - Investment / Finances

Get out of debt, start planning your personal finance and start your investment portfolio and let money work for you. Find new idea and generate multiple source of income from the idea, in today's world, it may be hard to survive only on 1 income source. Spending small amount of time daily to for your personal finance will get your hard work pay tremendously.

Your Rewards for Investment / Finances:

• Cultivate habits of budgeting and smart spending.
• Stay out of debt, give your passion to generate multiple source of income.
• Improved financial IQ leading towards financial independent.

6) Networking and get support from your community - Society / Community

The power of 1 mind is limited, you need to get more like minded mate to give you strength and support. Self-improvement can be built on your relationship with other people to share their views and to get advise/support from someone who has already been there and you can avoid the common pitfalls and save you time to go through once again. Spend time and keep in touch with friends and strangers will gives you a big difference in pursuing your goals.

Your Rewards for Society / Community:

• Stay out from common pitfalls and gain important information you may have missed out.
• You can get emotional support and help when you needs - mentoring, masterminding.
• Improved social skills and leverage your friends for encouragement and ideas.

I hoped this post will give you some insightful information to invest in yourself, however I have 2 FREE complimentary tickets to a Mastery Asia seminar by KC See, you can start to investing in yourself and this is a very good seminar, you can read more here. If you are interested please leave a message here and I pass you the FREE ticket.