About personal finance

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Personal finance is one hot topic especially for people who aspire to become rich. Some don't just do very well when it comes to that. It is very discomforting (when computing your debts) and time consuming (not really).

The basic principle is this: never spend beyond what you earn. If you know what do you earn (in exact amount), then you will become more aware about your spending habits. Start by listing your daily expenses at the end of each day and you will see some interesting patterns.Those patterns will make you take some real action about your saving and spending habits. Personal finance doesn't need to be much complicated especially for beginners. To manage your money, you must be aware first where your money comes from and where does it go. Then, you will become wiser about it.

Asking the hard questions

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Most of the people are avoiding asking the hard questions, most of the time. Ironically, those uncomfortable questions are the most important. What am I doing this for? Where should I go? Why am I doing this? Why am I here? Why do I need to be here? What are my honest thoughts at this moment?

Asking the hard questions are necessary for you to become truly rich. Why do you want to become wealthy? What for? For your family? For yourself? To serve beyond your family? To become great? To become truly helpful? Or it's just fun?

If you want to be more focused and stay motivated, you should start asking the hard questions.

About time management

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This is about time management, or the more correct term is personal management (because you are managing where you are during those hours, no matter what you do, you only have 24 hours a day).

Time management is about putting the hours in on your priorities and getting the most of it. Efficiency and effectiveness are cornerstones. Sometimes people get the wrong notion about time management because they tend to do anything to make themselves busy and feel they are managing their time very well. They focus on speed and on quantity, never on the nature of the tasks. They failed to assess early on if those tasks are really necessary. At the end of every day, they feel like they are wise about time management just because of the quantity and speed.

To become truly rich, the right time management should be learned. It is not just about having the most recent and efficient tools, it's about setting priorities clearly and focusing your hours on the things that really matter. Why are you managing time on the first place? To be with your loved ones and to have fun? To accomplish more? To serve more? Time management is all about yourself and where you put yourself at all times.

Sleeping instead of working

Maybe you are caught one time while sleeping instead of working.

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Maybe you are fired or if lucky, you were just reprimanded.

Sleeping instead of working is just a symptom, because your body is just finding a way to compensate. You are sleeping at wrong times and at wrong places because in the first place, you really lack sleep. Maybe you wasted too much time glued in front of a TV last night. So instead of sleeping through those hours, your body made it during your work hours.

The power of focus

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The power of focus is great because the return on investment in terms of money, energy and time is phenomenal. The greatest people in history know very well the power of focus. Just like the favorite illustration about focus is the sun's rays. Scattered rays can't burn, but focusing them through a magnifying lens can cause fires.

The power of focus is possible through concentration and discrimination. You need concentration so you can put your attention into something for some considerable amount of time. You also need discrimination so that you know where you will put your attention to.

The power of focus is also seen in playing darts, the more you focus on a specific target, the more likely you will hit it. If you have no specific target, chances are your hits will be more scattered. To make a difference in yourself and on other's people's lives, apply the power of focus and see astonishing results.