There are many situations in life where we feel compelled to worry. Whether your money is tight this month or your job is on the verge of laying you off, there is little cause to worry.
Instead, do all that is within your power to develop a plan to carry you through your hard times and follow it. It has been said that about 85% of the things we worry about never actually happen. I’m guessing most of us spend a good amount of time each day worrying not only about the present, but also the future.
Instead of worry about something that statistically has very little chance of happening, live in the present and take life one moment at a time. Don’t get me wrong, as life happens you need to be prepared. The time you spend worry about things that will not ever happen can be put to better use improving your current way of life.
Many of the personal financial clients I work with are worried about future events and thus cannot focus on current events. While their worries may or may not come true, I have them focus their time and energy on the here and now. It is difficult to make any progress if more than half of your time is spent worrying about events that likely will not happen.
The very first Financial Freedom Step is to develop a beginner emergency fund. This should remove a small amount of worry in your finances. As you get out of debt (step 2) and develop a fully-funded emergency fund of 3-6 months of living expenses (step 3) your level of worry should be reduced even more. While we cannot prevent life from happening, we can minimize our worries and the effects of negative events by planning for the future.
Related Articles
Reality Check for Those Living Paycheck to Paycheck
By: Anthony Petrucci | 12/06/2008 | Personal Finance
You’re trying to not only keep food on the table, but also prevent foreclosure on your home and all those annoying phone calls from creditors and bill collectors. Well, it’s time to have a reality check and get off the living paycheck to paycheck train. By applying these tips, financial freedom is a possibility.
Call To Epirotean Independence
By: Roberto Carrillo | 23/02/2006 | Newsletters
Albania is sending their KLA troops and KLA trained terrorists to perform an ethnic cleansing on Northern Epirus to eliminate non-Albanian Epiroteans from the area. We must act now before it is too late. I call for Epirotean Independence.
Some Reflections on Bob Woodruff's China White Wash
By: Peter Navarro | 12/08/2008 | Culture
“So near to the truth, yet so far.” That’s the feeling I came away with after watching Bob Woodruff’s recent China Inside Out documentary for ABC news. It’s regrettable that a journalist of such a high caliber as Woodruff can get so close to a story and not really see it -- while helping to perpetuate a number of dangerous myths about China.
What I Have Learnt as A Beginner in Internet Online Business
By: Woon Sung Liang | 19/10/2005 | Online Promotion
This article shows how the author learnt the hard way in venturing into Internet business. He describes his experience, the ups and downs of this interesting and rewarding business.
How to Massively Increase Your Income
By: Adam Khoo | 06/08/2006 | Finance
I am sure that no matter where you are in your career, you desire to create more income for yourself. For most people, only two options come to mind.
How to Translate Value into More Income?
By: Adam Khoo | 11/08/2006 | Finance
If you are self-employed, then creating more value will automatically translate into higher profits & income. However, as an employee, tripling the value you create is no use unless it translates into a higher price tag.
Easy Work From Home Ideas: Affiliate Marketing
By: Jake Dufield | 24/10/2006 | Home Business
Have you ever dreamed of being your very own boss and running a business out of the comfort of your own home? Is the only thing that is holding you back the fact that you are afraid that you will not be able to find a job that will become successful enough to build your bottom line and help you achieve financial freedom?
How Men And Women Of 35 Can Retire In 5 - 10 Years
By: Hannah Du Plessis | 05/02/2007 | Business
I have just done a search on Google, and typed in "Retire in 5 years." Here are the results:
1. A Real Estate company in Australia says - invest with us
2. A Website entitled: "Seven tips for successful saving and investing."
3. Six keys to an Early Retirement by Microsoft Money
4....
Latest Goal Setting Articles
Are You Doing Smart Goal Setting When Setting Goals?
By: Koz Huseyin | 29/08/2008
I am going to be bold and state that everyone sets goals. But, there is a vast difference between achievers, smart goal setting, and simply setting goals. I want to ask you a question - are you doing smart goal setting when setting goals? Join me as I show you how you can start smart with setting goals.
How To Use Goal Setting Systems To Create Your Desires
By: Koz Huseyin | 28/08/2008
There are many goal setting systems that offer to create all your desires. The question is - how do you use these systems to create the life of your desires? In this article, you will find out some tips to using your new goal setting system, and take it for a test drive!
Why Goals Fail - New Research
By: Ann Marosy | 27/08/2008
There are two reasons why goals fail or we give up trying to achieve a specific goal. When I first learnt this, I knew I finally found the Holy Grail of goal achievement.
How To Write Goals For A Successful Goal Setting Outcome
By: Koz Huseyin | 27/08/2008
There are likely hundreds of different ways of goal setting. However, out of all the ways of goal setting there are some important steps when writing goals which are likely to make it possible for you to achieve the goal.
About Goal Setting For Adults
By: Koz Huseyin | 26/08/2008
The process of setting goals for adults is a fantastic thing to do. It allows you to literally take your life into your hands. Now, you write your destiny, and produce the kind of results, you want out of life. In this article you will discover more about goal setting for adults.
Having a Vision
By: Bjorn Brands | 26/08/2008
What is your vision for your future, your ideal life? Is it written down? Do you review it and think about it often? Have you "enthroned" it in your heart? Is your life organized around goals and objectives that will ensure your vision is reached?
Smart Goal Setting And Goal Setting Systems
By: Koz Huseyin | 25/08/2008
What is smart goal setting? Is it any different than simply setting goals? Is smart goal setting part of goal setting systems? How can goal setting systems help you? A lot of questions and a lot of answers! In this article, you will find the answers to your most pressing questions, about goal setting systems and working smart with goals.
Goal Setter - Do You Need A Goal Setting System?
By: Koz Huseyin | 23/08/2008
Do you find you go around in circles? Do you have goals or a goal setting system? Often we can seem like life has halted, and we are going in circles. This is not the natural progression of life, and in this article, you will find advice, so you can go forward.
More from Justin Lukasavige
If Get-rich-rich-quick Works, Why Isn’t Everyone Rich?
By: Justin Lukasavige | 06/08/2008 | Advice
Americans are not exactly known for their patience and persistence. We live in a microwave society and we wan it now. When we eat we want it fast, even if it’s not the healthiest food. When the store is one mile from home we drive because we don’t have time to walk. And when we are newly married we want everything our parents have, not realizing it took them thirty-five years to obtain it.
Are You Living Your Dream or Your Parents’?
By: Justin Lukasavige | 06/08/2008 | Goal Setting
I wish we were all living our dreams for our lives, but it seems to me that more and more people are living someone else’s dream in their lives. I do acknowledge how difficult it is to pick a career to major in when you are a twenty year old kid, but at some point you must begin to wonder why you are not happy.
Success Under Pressure
By: Justin Lukasavige | 29/07/2008 | Goal Setting
A man happened upon a butterfly just emerging from its cocoon. The longer he watched the young butterfly struggle to become free the more restless he became. Finally, when it looked like the butterfly would not make it out on its own the man took a pair of scissors and freed the new butterfly from its small home.
Knowledge Equals Money
By: Justin Lukasavige | 29/07/2008 | Goal Setting
“Five years from today you’re going to be the same person making the same money except for the books you read and the people you meet.” – Charlie “Tremendous” Jones
Promotions Can be Bad News
By: Justin Lukasavige | 23/07/2008 | Goal Setting
Many people have goals of moving up in life and especially in their work. While having goals is a great thing, have you ever stopped and thought about where you really want to end up? What is the ultimate goal in your work? Do you want to be a CEO or are your passions more aligned with being a department manager and working one-on-one with your employees?
If You Want to be Rich, Do Something Worthy
By: Justin Lukasavige | 08/07/2008 | Goal Setting
It is all over television and the internet. We are bombarded with it every day. Get-rich-quick schemes, the next big thing that will make you money; do not buy into it!
Flying by the Seat of Your Pants
By: Justin Lukasavige | 08/07/2008 | Strategic Planning
Is it more fun not to plan and take life as it comes, or is it better to develop a plan so as to not be spontaneous? The main reason many people do not develop a plan, or even a budget, is because they claim they cannot then be spontaneous.
Live Your Dreams Now
By: Justin Lukasavige | 02/07/2008 | Entrepreneurship
Do you fear that by the time you discover what your dreams are, you’ll be too old to do anything about them?
Self Improvement 
