Archive for December, 2013

Time Out For Affirmations

December 23, 2013

People who use affirmations say consistently repeating the brief statements inspires them to achieve personal development goals. The following affirmations focus on some common self-improvement goals. Try repeating them to yourself.

To take control of time

  • I am master of my schedule.
  • I determine what is important and give it priority.
  • I recognize and deal with conflicting time demands.
  • I can create my own quiet time.

To succeed in a love relationship

  • I enjoy being in a relationship and sharing my life.
  • I enjoy it when my partner keeps growing, even in areas where I am not involved.
  • I show my love in public and in the privacy of our home and family.

To free yourself from stress

  • I am relaxed in mind and body.
  • I create tranquility.
  • I feel calm.

To deal with a life-changing event

  • I have the strength to overcome adversity.
  • I can handle this now because I know things will get better again.
  • When one door closes, another opens.

To overcome fears and obstacles

  • I am full of courage and confidence.
  • I remove limitations I have placed on myself.
  • I am free to pursue any goals I desire.

To feel comfortable about making mistakes

  • I accept that I am human, that I sometimes make mistakes.
  • I am not perfect, and nobody expects me to be perfect.
  • I can face my mistakes calmly and take appropriate corrective action without shame.

To set and achieve goals

  • I strive for (your goal) and will work to make it happen.
  • I am master of my future.
  • (Your goal) is important to me, and I will achieve it.

To build self-esteem

  • I celebrate my uniqueness.
  • I am competent and capable.
  • I believe in myself as no one else can.

To be more assertive

  • I am cooperative and understanding, but I can say “no” and still feel good about myself.
  • I make good decisions, and I am in control of my life.
  • I handle difficult situations effectively.

To express anger in healthy ways

  • My anger is an energy I can use positively.
  • I move away from the source of my anger.
  • I visualize a safe, quiet place when I am angry.

Compulsive Spending

December 13, 2013

It’s a disorder as powerful as compulsive gambling or compulsive eating.


Overspending around the holidays is a problem for many people. But it’s one that can be easily remedied with thrift and good-spending habits in the months that follow.

But for some people, overspending is a year-round compulsion with drastic complications. Compulsive spenders may fisk their jobs, their families and their careers to acquire things.

University of Florida researchers estimate that between 2% and 8% of the population spends compulsively. Symptoms of the problem include:

  • being preoccupied with shopping or the idea of shopping
  • frequently buying unneeded items
  • routinely spending than one can afford
  • shopping for longer periods than initially intended

U of F researchers say compulsive spending is just like any other impulse-control disorder: shopping and the act of acquiring things lessens feelings of emptiness or anxiety. The disorder eventually takes its toll. The average compulsive spender is $23,000 in debt, usually in the form of credit cards or mortgages against his/her home. The person’s marriage or family life may suffer due to high debt, his/her job may be in jeopardy due to absenteeism following a shopping spree, and his/her social life may be in shambles due to borrowing money from friends. Some compulsive spenders may be in trouble with the law, stealing from their employers or others to pay off debts or to buy more.

To end the cycle, the person must acknowledge the problem and get help. If you or someone you know may be a compulsive spender, seek professional help.

Stress Happens

December 9, 2013

Stress happens, especially during the holidays. We all experience holiday stress. Don’t let it ruin your holiday. Stressors to monitor during the holiday season are financial, time, and emotional.

Some tips to reduce stress are: keep within your budget; create memories – memories will last longer than most gifts; limit commitments; and schedule some “down time” to energize your emotional well-being. Evaluate your activities. Does this activity add value to your holiday? Even traditions can be stressful when you are short of resources. Only participate in those activities that are meaningful to you.

Remember, memories of the holidays will last much longer than most any gift you give or receive. Make them good ones!