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QSC 3.0.- 88 principles to success- part 4

As we learnt yesterday that it is really imortant to bring business success with personal succes together.

Today you learn more from personal success and you can intergrate konwledge about succes with money.

Business success, money success and personal success will round up the circle of ulimate success.

More principles to personal success.

Principle #31 – Define What Success in Your Personal Life Means to You

Success in your personal life can mean different things to different people. Define what it means to you. Does it mean that you become closer and more open with your spouse? Once you define it, focus on achieving it.

Principle #32– Find Ways to Make Your Life Meaningful

Without meaning, our lives are dull and depressing. With meaning, each day is full of memories and important milestones. So find ways to make your life meaningful; and, if you are married or in a relationship, try to make it meaningful with your significant other.

QSC 3.0.- 88 principles to success- part 4

Principle #33 – Plan Your Personal Life Carefully

Instead of allowing whims and chance events to control how your life plays out, focus on exerting your control over your life. Force it to give you what you want; and take control, as the successful do.

Principle #34– Schedule Your Life

Instead of panicking about how disorganized events are in your life, make an effort to schedule things carefully. This will allow you to know what you need to do and when, rather than letting chance play the dominant role in determining your fate.

Principle #35– Set Goals

Goals are important. They serve as a means for you to gauge your progress and to keep your eyes trained on the future. So, do as the successful do, and set goals for your personal life.

Principle #36– Volunteer for Non-Profit Organizations

One thing that the successful frequently do is give to others. They not only give money, but they give time and compassion. Consider volunteering for non-profit organizations. You’ll not only feel better about yourself, but others will admire you for it.

Principle #37– Don’t Let Your Past Limit Your Future

In the past, you failed miserably at many things. But that doesn’t have to carry over into the future. Don’t let your past limit your future, but instead, let go of your past failures and focus on what the future offers.

Principle #38 – Accept Responsibility for Your Decisions

While chance will always play a role in your life, your decisions are the only thing you can control. So, take responsibility for your decisions. When the outcomes are bad, accept it as your fault; and when they are good, see what you did right.

Principle #39 – Be a Good Listener in Relationships

In relationships, it is vital that you have someone who you can vent to and with whom you can be completely honest. Additionally, it is vital that you be that same person for your partner.

Principle #40– Never Go to Sleep without Resolving an Argument

If you’re in the middle of an argument, don’t just go to sleep. Instead, resolve it. Be the bigger person if you must, but don’t allow a fight to continue through the night and into the following day.

Principle #41 – Remain Proactive in Tackling Challenges

If a big financial or personal event is looming on the horizon, don’t wait for it to come to you. Be proactive in dealing with it, so that you don’t end up cornered and with few options.

Principle #42– Be a Problem-Solver, Not a Problem-Avoider

Instead of avoiding problems, meet them head-on. This is what the successful do; and this is precisely why they don’t ever end up cornered and without options. They take care of problems before they get worse and bleed over into other areas of their life.

Principle #43 – Manage Your Time and Resources Efficiently

Like most people, you have some time and resources at your disposal. Instead of mismanaging them or ignoring them, use them wisely and to your advantage. Be efficient with your resources and you will reap the rewards of personal success.

Principle #44 – Break Your Larger Goals Down into Daily Objectives

Once you have set broad goals for your personal life, make an effort to break them down into manageable chunks. Find ways to set and accomplish daily objectives that advance you further towards your goals.

Principle #45– Spend Time Reflecting on Your Personal Life

From time to time, reflect on your personal life. Consider whether you are approach personal relationships and goals correctly; and consider how you might improve your approach.

Principle #46– Commit Yourself to Getting Out of Debt

As I’ve mentioned in other tips, you must commit yourself to getting out of debt. Debt is often the product of delusion and wishful thinking. Instead of letting delusion run your life, drop the debt and get on a path to saving for a comfortable retirement.

Principle #47 – Take Notes

You’re not in school anymore, but taking notes still has a lot of value. If your spouse tells you to get a number of things done, then you may want to write them down. And if you have ideas about how you can improve your personal or financial life, write them down too. Don’t simply let these notes and insights slip away.

Principle #48 – Readjust Your Expectations to Make Them Reasonable

Many of us go through life with unreasonably high expectations of what we can and should achieve. Over time, we readjust our expectations, but only after spending years chasing something that ultimately ends up being a waste of time. Instead of doing this, do as the successful do and shoot high, but keep reasonable expectations.

Principle #49 – Stop Blaming Others for Your Problem

While others may make your problems worse, only you can solve them. So stop blaming other people for your problems and take responsibility for your life and decisions.

Principle #50– Spend Time Relaxing

From time to time, you should relax with your spouse and family. The successful know that hard work is important, but relaxation is equally important.

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Principle #51 – Don’t Panic

Panic is one of the least helpful responses to any situation. It gives you no direction, no insight; and generally overwhelms your senses. If you find yourself in a bad situation, don’t panic; instead, start problem solving.

Principle #52 – Practice Patience with Your Spouse and Children

At the end of the day, the people who will stick with you forever are your spouse and children. Try to stay patient with them, to understand them, and do whatever you can for them.

Principle #53 – Expand Your Horizons by Making New Friends

Making new friends can introduce you to thoughts that might never have occurred to you previously. The successful know that having a mix of different types of friends can broaden your horizons and improve the quality of your life.

Principle #54 – Improve Your Existing Friendships

In addition to making new friends, you should also try to improve your existing friendships. Get closer with good friends; and find ways to grow your relationships with new friends.

Principle #55 – Observe Successful Relationships and Emulate

Them

If you and your spouse have friends who have successful friendships or romantic relationships, observe them and copy their approach. Emulate the things that work well in the relationships—and yours may improve, too.

Principle #56 – Try to be Empathetic and Caring in Your Interactions with Family Members

Instead of judging family members and complaining to them, try to understand where they come from; and try to empathize with their situations. Try hard to make their situations in life better; and they will do the same for you.

Principle #57 – Attempt to Improve Your Mindset

Mindset is an important variable that we can all influence. No matter whether it comes to personal relationships or business transactions, improving our focus and our intensity can only have a positive effect.

Principle #58 – Make Important Lifestyle Changes

In addition to improving your mindset, you should also consider making lifestyle changes where they are warranted. For instance, you may want to cut down on excessive drinking or you may want to stop smoking altogether.

Principle #59 – Do Not Resist the Inevitable—Embrace It

If something is truly inevitable in your personal life, then embrace it. Instead of pretending that it won’t happen, let it happen, but be prepared, be accepting, and be flexible.

Principle #60 – Do Not Allow Others to Dictate the Terms of Your Life to You

In many cases, people simply do not realize how much control they have over their own lives. So, instead of seizing that control and using it to improve things, they simply let things play out. If you want to be successful, then you need to get in the habit of taking control and not allowing others to dictate the terms of your life to you.

Principle #61 – Monitor the Path of Your Life

Take some time to evaluate your life. Consider where you have come from and where you are likely to end up. Decide whether you want to deviate from this path to achieve a better outcome. And then implement this plan.

Principle #62 – Accept Responsibility for The Outcomes of Your Work (Good or Bad)

One important part of success is responsibility. Those who accept responsibility for their actions; and move forward from there will feel empowered to make

changes. And those who cannot accept responsibility will never full understand how much they can control.

Principle #63 – Make an Effort to Strengthen Your Resolve

The strength of your resolve will determine whether you break-down at the sight of a challenge; or whether you dare the challenge to cross your path. Strengthen your resolve and success is likely to follow.

Principle #64 – Dispose of Bad Habits in Your Personal

Relationships

We all have bad habits in our personal relationships. Perhaps we don’t listen very well. Or perhaps we are very quick to judge. Don’t let these bad habits set the tone for every relationship you have. Instead, extinguish these habits and improve your relationships.

Principle #65 – Strive for Healthiness and Transparency in Your Relationships

No matter whether it is a romantic relationship or a friendship, strive for healthiness and transparency. Don’t hide information. Don’t do anything to intentionally hurt your friend or partner. And, most of all, try to be honest and forthcoming in all of your endeavors.

Principle #66 – Make Everyday a Meaningful Attempt to Accomplish Your Goals

Each day, define how the events will contribute to your goals. When you inject meaning into everyday, mundane events, you give yourself the chance and the motivation to excel further than you otherwise might.

Principle #67 – Break Out of Your Comfort Zone and Try New Things

Trying new things keeps you thinking and helps you to problem solve. So make an effort to step out of your comfort zone, experience the world, and learn more.

Principle #68 – Be Open-Minded and Accepting of Your Significant Other’s Needs

Just as you have needs, your significant other also has needs. Try to be sensitive and thoughtful in responding to these needs, rather than bargaining with your partner for the best deal you can get.

Principle #69 – Try to Do Good Things Each Day

Each day, try to do something good for other people. Help a co -worker. Contribute to a charity. Help your spouse with something he or she is dreading. Whatever you do, make an effort to do something that no only helps someone else, but makes you feel better, too.

Principle #70 – Find Ways to Put Yourself at Peace with the World and Your Life

Finally, one of the most important things that successful people do is make sure they are at peace with the world and their own life. Even if their worklife is riddled with conflict and controversy, they find a way to become comfortable with it all, so that it does not drag them down each day.

At least you learn how to be successful with money:

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Principle #71 – Pay Off Your Debt

It cannot be emphasized enough: unless you are young and are planning to get a number of very large raises in your lifetime (or are temporarily ill), then you shouldn’t be accumulating debt. You should be paying it down and saving for retirement. The successful know and practice this.

Principle #72 – Start Saving Early

Start saving early. Investing $10,000 at age 30 will yield you much more in retirement than $10,000 invested at age 50.

Principle #73 – Avoid Putting Yourself in a Precarious Financial

Situation

The successful know that some risk is unavoidable, but where it is avoidable, it should be deal with intelligently. If you are constantly putting yourself in precarious financial situations, it may be time to rethink your finances and your approach to money.

Principle #74 – Don’t Drive Yourself into the Ground

We all go through hard times in our lives where the money isn’t flowing. But when this is the case, you must cut back and live simply. Don’t drive yourself into the ground financially, as the consequences are likely to manifest well into the future.

Principle #75 – Keep Track of Your Finances in a Spreadsheet

Instead of hoping that your finances will work themselves out, play a role in shaping your financial future by keeping track of everything in a spreadsheet. This is often the difference between success and failure in personal finance.

Principle #76 – Make an Effort to Cut Your Expenses

If your expenses are too high, then cut them. Move into a cheaper apartment. Buy bargains at the grocery store. Use coupons. Cut back on entertainment expenses.

Principle #77 – Be Thrifty Where Possible

When you’re poor, thriftiness is a virtue. If you’ve fallen on hard times, you would be wise to be thrifty, rather than delusional about the state of your finances.

Principle #78 – Get in the Practice of Creating and Following Budgets

Budgets can play an important role in stabilizing financial outcomes. If you currently have no budget, you should start making one on a weekly basis. Try to keep your expenses and income flows under control, so you don’t get behind on payments.

Principle #79 – Try to Cut Your Spending by 10% Per Month

If you’re currently over-budget, consider cutting your expenses by 10%. Even if it seems hard to do initially, figure it out and do it.

Principle #80 – Pay Your Bills on Time

When you miss a bill, you get charged fees. So, instead of paying your bills on the last day, pay them first. If you have money left over, then use it for other purposes, but don’t do so until you have paid the bills.

Principle #81 – Set Financial Goals

Don’t just dream about your finances getting better. Set financial goals and commit yourself to accomplishing them. This will keep you on track with your finances; and will give you something to look forward to.

Principle #82 – Invest in Your Career

Just like any other investment, an investment in your career could pay off considerably down the line. If you are currently missing the education or the training that you need to move forward in your career, then put some money aside to invest in your career.

Principle #83 – Consider Going Back to School

If you’re unsure of what to do on your current career path, then consider going back to school. Test the waters and figure out what it is that you want to do—or have an aptitude for; and then try again with a different career path.

Principle #84 – Keep Your Credit Card Balances Low

Try to keep your credit card balances under 30% of the total allowable limit. If there is some emergency, you will have a back up reserve of credit that you can use to get through it.

Principle #85 – Pay Credit Card Balances in Full

If you can, pay your credit card balances in full each time. This will prevent you from ever paying interest on the debt you are servicing.

Principle #86 – Shop Around for Insurance

When it comes to car insurance, there’s a good chance that you might not be using the best place. Instead of being complacent and sticking with your current plan, consider shopping around to find a better one.

Principle #87– Avoid Unnecessarily Risky Investments

Instead of picking stocks, put your money into a mix of high-yield and low-yield bonds. Or into a fund that is well diversified and offers a reasonable, but low-risk return.

Principle #88 – Seek the Help of a Financial Advisor

When you first start to invest, seek out the help of a financial advisor. The successful know that it is not possible to know everything; and that getting the advice of a professional is always a good place to start.

After implenting this 88 principles of success you will have more personal power to your advantage.

Here is an inspirational video from Teslas Elon Musk’s, Top 10 Rules for Success

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