Archive for the ‘Dreams’ category

Debt it can be avoided

January 17th, 2011
Toyota Cavalier
Image by Hugo90 via Flickr

Is debt really ‘Tricky”?

A recent blog post I was reading at SmartMoney.com called auto debt “tricky”.

Saying that financial planners agree that you shouldn’t borrow money to buy things that go down in value, BUT…it just can’t be avoided.  After all who can afford to pay cash for a new car?

Yes new cars are expensive.  And you don’t need a new car.  A good used car will do just fine and they don’t depreciate like new cars.

Here is my advice as a personal finance coach: Pay cash for your car.  Even if it means driving a POS for awhile. My wife and I bought a Toyota Camry with about 100,000 miles on it for $6,000.

Better yet, if available, use a car sharing service like Zipcar so that you don’t have to pay for car insurance and maintenance. When you need to go on a long road trip rent a car. Put the miles on the rental car.

Some day when you are financially independent you can buy the new car of your dreams.  Till them, be like the Millionaire Next Door and drive a used car.

Enhanced by Zemanta

What’s Your Dream?

November 3rd, 2009

Learn how to take your career, team, business, marriage, relationship, family, and life to a new level by passionately and purposefully pursuing your dreams and helping others to do the same!

I attended the first Living the Dream workshop and highly recommend it.  Check it out http://thedreammanager.com/living-dream-event-sign

Living The Dream

Since the release of Matthew Kelly’s best-selling and award-winning book, The Dream Manager, there has been enormous interest from people about how to go deeper with the remarkable concept and principles outlined in the book. Companies are contacting Floyd wanting to learn how they can begin a Dream Manager Program… Managers are asking how they can use ideas in the book with their direct reports… Teams are wondering how they can create the dynamic teamwork depicted in the story… Many more are curious about how the idea can transform their family, relationships, career, and life… And not surprisingly, hundreds have decided that they want to become Dream Managers themselves.

This overwhelming response confirms what Matthew suggests in the book — it’s a wonderful thing to achieve our own dreams, but it’s an incredible feeling to help others accomplish theirs!

If you are interested in learning more about…

  • How to define and pursue your dreams
  • How to help others achieve their dreams
  • How to introduce The Dream Manager concept to your workplace
  • What skills make a good Dream Manager
  • How to become a Dream Manager
  • What the coming HR Revolution means to you and your company

…we would like to invite you to a special, one day training that will take your knowledge and understanding of The Dream Manager concept to a new level. Spend a day with Matthew Kelly and the Floyd team…it will change your life forever!

What?

Living the Dream: Mastering The Dream Manager Principles!

When and Where?

Monday, October 26, 2009 — 8:30am – 5pm
UBS Tower
1 North Wacker Drive
Chicago, IL 60606

Why?

To learn how to take your career, team, business, marriage, relationship, family, and life to a new level by passionately and purposefully pursuing your dreams and helping others to do the same!

Investment?

$595 per participant. Special rates are available for groups of five or more. Please contact Becky Freking at bfreking@floydconsulting.com for more information.

Wants Vs Dreams

September 1st, 2009

I consider myself to be a marketer.  I love the study of marketing, I have a Masters Degree in International Marketing and I see everyday how marketing causes us to want what is not necessarily best for us.

My advice is to anchor yourself by finding a dream that means more to you than anything else you want.  Then you can measure each want a marketer creates against the dream.  Now you know what the want will cost you if you choose to buy it; the want costs you your dream.

Yes, I am a marketer and I am marketing financial independence and dreams.  To have financial independence and attain your dreams means you’ll have to say no to other things like instant gratification, debt, interest payments, unconscious spending and buying stuff that does not bring you great joy.

I believe that your dreams are more important than the things you’ll have to give up.  You get to decide; will it be what marketers want to sell you or  your dreams?

This post was inspired by another simple and brilliant post by Seth Godin http://sethgodin.typepad.com/.