CategoriesActionFinancialPropertyReframe your thoughtsTime

Fix Your Mortgage Today!

Imagine paying £20k/$20k more interest in 2023 than you did in 2022!! This can happen if you haven’t been paying attention or don’t take immediate action.

Many mortgage rates have gone up 3% over the past 12 months. So with a £700,000 mortgage, on a £1 million house, you will pay £21,000 more interest next year. Your rates may have gone from 2% to 5% or £14,000 per annum to £35,000 per annum.

Now if you fixed that for five years, that would be £105,000 less in your pocket and more in your bank’s pocket. Yikes! I bet you could have had nice plans for that kind of money.

You can’t do anything about the rate changes up until now. However, if rates go up 3% more by summer next year, but you lock in now, you could save yourself a further £21,000 per year and £105,0000 over five years. You know it makes sense!!

Get your pen and paper out. Call your bank or broker and run the numbers. Get a fixed rate if it makes sense. This time next year you’ll be so glad you did. Do it now!

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CategoriesActionReframe your thoughts

Get On Top Of Your Thoughts

You decide what to be thinking. You can decide, “I am going to smile and think of wonderful things”. Then feel that smile cross your face.

This will make you feel better right away. See what else you can say to yourself that would be helpful or pleasant.

If you get on top of your thoughts, your whole world can change without changing anything externally. Magic!

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CategoriesActionGratitudeReframe your thoughtsTime

Enjoy Dinner Together

Make the effort to eat together at least once a week. Whether it’s you and your partner, your kids, parents, close friends, or grandparents, get a frequent time in your diary.

Then also make sure you are present, alert, engaged and making it the best possible moment you can. These are important moments. You don’t know how many you have left until the last one happens. Then it’s too late.

Enjoy dinner together.

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CategoriesActionProgressReframe your thoughtsTime

Delegate When Possible

We’ve got a lot to do in our lives. So when possible, be sure to delegate tasks.

You already do this in a sense. Someone else probably grows your food. And a truck driver brings fuel to the pumps for your vehicle. You might even occasionally ask a partner, family member or friend to pick up something from the shops for you while they are there.

You have other people do lots of things for you. Figure out what else you can ask to have done to save your time. Then you can spend more of your time on the things you truly want to do.

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CategoriesActionObserveReframe your thoughts

Just The Policy

Calling people names, noting who they married, referening their hair, skin tone, partner preferences or where they went to school, are all weak reasons to like or dislike someone or their point of view.

Listen to the policies they advocate for. Think through the short term implications and the associated longer term ones. Watch what they do. Do they live the policy?

If you reference any of the above external, non-policy points in a discussion, you’ve lost. You may win in popularity, if your followers allow weak arguments. However, you’ll know that you’re not improving the group, yours or the wider societal one.

Keep your points focused on the pros and cons of the policy. It may get less audience reaction, but it will help us all improve our thinking skills and make an actual difference in peoples lives.

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CategoriesActionProgressReframe your thoughtsTime

Plan In Detail

You can start with a generalisation. When you imagine an amazing future or visualise the realisation of an incredible dream, it can be big and broad.

But then you need to get deeper into the detail. Like planning a holiday, you start with skiing, beach or camping and then add the key details next. You need to know where, with who, when and how. You’ll also need to know how much so you can have the right cards with you or funds in place.

After the big details are in place you need the next level details. You’ll need to know which airline, which gate, which row and which seat. Maybe even what to bring with you on board and what you can’t bring.

The more precise you can be with the details, the more likely you’ll get what you want. I understand Queen Elizabeth II was very keen on the details. She understood the importance of the slightest thing.

You don’t need to be royalty to dress and present yourself well. And focusing on the details can be done by anyone.

Upgrade your skills in this area. Put the effort in. If you’re currently a five in the detail department, learn how to become a six or even seven. Search it up on the internet. Watch some videos. Practice. Get better at it. Your life will improve in many areas and you’ll be surprised at the benefits you find around you.

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CategoriesActionGratitudeProgressReframe your thoughts

Appreciate What People Do

It is so easy to gloss over people’s contribution or even ignore it or joke about it. You are a better person if you see someone’s contribution, no matter how large or small and regardless if you think it was enough or how you would do it or want it.

Give people some kudos. Do it as often as you can and for whatever you can.

Monday is a day people can do this when referencing The Queen. Appreciate all that she did and didn’t do to make the world a better place. Such leadership from a 26 year old woman, in a very different world in the 1950’s.

Your appreciation will make you and the world around you better. Find the good in people and things. You’ll be happier for it.

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CategoriesActionHealth & FitnessReframe your thoughtsTime

Get Good Sleep

Take an evening and go to bed by 9pm. Stop getting more things done. Turn off the entertainment (tv, phone, etc). Just go get yourself to bed and have a great nights sleep. You’ll feel great in the morning: Refreshed and pleased with your self discipline.

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CategoriesActionFinancialHealth & FitnessReframe your thoughts

Remember To Smile

This one thing will win you more friends, interviews, promotions, sales and romantic relationships than just about anything else you could think of.

Smiling is fun, contagious, exciting, uplifting and joyful. Is hard not to smile if someone smiles at you. So if you train yourself to be the first to smile, you’ll get people smiling back.

Since our body state helps inform our mental state, if your body is holding a smile, you are more likely to be happy inside too.

So remember to smile, all the time, every day. Not just in photos.

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CategoriesActionGratitudeObserveProgressReframe your thoughts

Believe In Yourself

Look what you have achieved so far in life! You’ve mastered walking, socialising, some sports, learning, reading, eating, toilet time, tests, exams, paying bills, earning an income, holding a job, dealing with stress and travelling somewhere new.

Of course, you’ve managed to do all sorts of other things too! And just because others have done it, doesn’t reduce the validity that you did it too.

You are an amazing group of cells doing quite exceptional, though sometimes mundane, things. Things a giraffe ? couldn’t even imagine doing. So well done!

Now everything else is quite simple. So go make it happen. I believe in you and you should too!

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