I spent a lot of time with Dan, and even more with Janet, as I drove her to and from the nursing home and hospital to see visit him. In the process, I came to love them both for the wonderful, fun, loving and generous people they are and were.

I had my version of who I thought Dan was, but when I heard his eulogy and his friends speak at his celebration of life party, I realized I knew very little about him. From the many stories shared at the party and after the funeral, it was clear that he was not only a great friend to many, but an exceptional neighbor, husband, father and grandfather. I feel so fortunate to have known him.

So, here’s to Dan the Man! May Heaven be all you dreamed of. Love, CJ

During Tough Economic Times

With the country in recession and politicians fighting over the best ways to address the problem, it’s easy to feel depressed and powerless. But the answers are right in front of you—they are within you, to be exact! You and you alone have the power to control your responses and emotions about what is happening in the world around you, and you can take immediate action to permanently change your life for the better.

In this article, I will reveal five simple but powerful steps to create your own personal stimulus package and regain control over your life. 

The 5 steps are:

1) Get a Grip

Despite the wide-spread panic, the world is not ending. Of course people have real problems that are difficult to overcome, but they are not insurmountable. The greatest stressor for individuals at this time is their personal finances; some people have lost some or most of their assets in the stock market, others have or might lose their homes. It’s bleak, I know, but you have the strength to get through it.

The fact is, worry and negativity only make matters worse. They cause stress, aging, short and long-term health issues, and they make it more difficult to think clearly and implement solutions.  Stop losing sleep over your finances; your creditors aren’t thinking about you at 3 a.m., so don’t waste your energy thinking about them.

Best Tip: Learn to combat worry and negativity with these three simple steps: BLT—(1) breathe, 2) let it go, and 3) think gratitude. Breathing deeply will reduce your stress and release feel-good chemicals that will calm you down. Giving up your troubles to a higher power relieves you of the burden of carrying them. If you do not believe in a higher power, know at least that your troubles will resolve themselves with time. Finally, think of things to be grateful for. This can be difficult when things look bleak, but you can always find something positive in even the worst circumstances.

2) Get Real

You alone control your emotions, your responses, and your destiny. Politicians may control the purse strings at the national level, but only you control what happens in your daily life. Don’t wait for the government to bail you out, because it won’t. Take responsibility for your own situation and take charge of your own affairs.

Best Tip: You can actually choose to be happy no matter what is happening around you. Imagine you are walking down the street, when someone suddenly shoves you to the pavement. Your first response is likely to be anger at the person who pushed you, right? But what if you then realize he was pushing you out of the path of a speeding car? You would feel happy and grateful. Same situation, two totally different responses—all depending on how you chose to perceive what was happening to you. You can choose your response in almost any situation. Choose happiness and you will find your troubles easier to bear.

3) Get a Clue

Do the math. As difficult or painful as it may be, creating a budget is the best way to regain control over your finances. By making a list of your income and your expenses you will get a good picture of your situation that will enable you to make better choices about how to spend your money wisely.

Best Tip: Call every vendor you do business with and find out how you can reduce your payments. I just saved $300 a month by calling my cable company, car warranty firm, cell phone provider, and home equity loan lender and asking them to lower my payments. It took me an entire hour on the phone, but now I’ll save more than $3600 per year! That’s three house payments!

Other simple ways to save a little money that adds up to a lot:

• Change your air filters in your home and your car (that could make up to $50 difference in your electric bill and gas tank each month!),
• Start couponing. Use coupons from your Sunday paper or go online for even more savings to coupons.com. Also, get a rewards card from your supermarket and find out when double-coupon days are. One woman was recently featured on the news for actually getting money BACK from the grocery store!
• Consider changing your home phone service to an Internet service like PhonePower, ViaTalk or Vonage. This could save you several hundred dollars each year. Or get rid of your home service entirely and just use your cell phone as your main line.
• Use only your debit card from your checking account, not your credit cards. If the money comes out immediately you’re likely to spend less.
• Wash your hands! You’ll save on medical bills and over-the-counter medications.
• Rent out an unused space in your home. You can earn several hundred dollars each month by doing so.
• Put air in your tires and improve your gas mileage by up to 5 percent. It’s basically free gas!
• Find out about all the benefits of your job. Talk with the Human Resources person. Some benefits might include free tickets to sporting events, educational classes, or an optional match of your retirement funds. I told my daughter-in-law to ask her new employer about moving assistance and they paid for everything—in advance!
• Ask for sign-up fees to be waived whenever you sign up for a new account or service.
• Ask your doctor to prescribe your medication in twice it’s usual strength, then cut the tablets in half. Usually the higher dosage tablets cost the same, so you’ll get twice as much medication for your money.
• If you back-track, don’t beat yourself up. Just resolve to do better and move on.

4) Get Smart

Secure your job by becoming a subject-matter expert. Read the latest industry magazines and the daily paper. Stay on top of trends that could affect your company and keep the boss informed by sending her clippings of relevant articles.

Offer superior customer service. Call all your customers and ask how you can help them during these tough economic times. Customers have a choice of who they spend their hard-earned dollars with, and they go every time to companies they like and trust.

Best Tip: Ask for a meeting with your boss. Tell her that you appreciate the challenges the company faces and ask how you can help the organization to be more profitable. Brainstorm ideas for increasing revenue and decreasing expenses. Doing this shows initiative, drive, and loyalty. When your boss knows you are a team player who is vested in the success of her company, she will appreciate you more and may be less likely to lay you off.

5) Get Involved

It’s a fact that people who are active are more attractive, so get moving! If you have a job, keep it by doing your best work and offering to take on new projects. If you’re looking for work, get involved in volunteer opportunities. This will enable you to keep your skills sharp, make you a happier person, enhance your resume, and show potential employers that you are a motivated and hard-working. Those you volunteer for will appreciate you and do what they can to help you find a good job.

Reach out to friends and family for support when you are stressed. Don’t try to be Wonder Woman or Superman and go it all alone. Be there for others when they need you.

Best Tip: Recognize that everyone is in the same boat, do what you can to make them happy (by performing small acts of kindness) and you’ll find yourself becoming happier too!

Join the Kindness Cure Campaign at www.thekindnesscure.org. Doing good for others feels great because it releases endorphins and serotonin, lowers stress chemicals, fights aging, and brings harmony to the home. By joining the Kindness Cure you also get to feel great about lifting the tone of the country by helping us achieve our goal of performing one million acts of kindness in one year!

Below are the first four of five simple but powerful steps to create your own personal stimulus package and regain control over your life. 

The 5 steps are:

1) Get a Grip

Despite the wide-spread panic, the world is not ending. Of course people have real problems that are difficult to overcome, but they are not insurmountable. The greatest stressor for individuals at this time is their personal finances; some people have lost some or most of their assets in the stock market, others have or might lose their homes. It’s bleak, I know, but you have the strength to get through it.

The fact is, worry and negativity only make matters worse. They cause stress, aging, short and long-term health issues, and they make it more difficult to think clearly and implement solutions.  Stop losing sleep over your finances; your creditors aren’t thinking about you at 3 a.m., so don’t waste your energy thinking about them.

Best Tip: Learn to combat worry and negativity with these three simple steps: BLT—(1) breathe, 2) let it go, and 3) think gratitude. Breathing deeply will reduce your stress and release feel-good chemicals that will calm you down. Giving up your troubles to a higher power relieves you of the burden of carrying them. If you do not believe in a higher power, know at least that your troubles will resolve themselves with time. Finally, think of things to be grateful for. This can be difficult when things look bleak, but you can always find something positive in even the worst circumstances.

2) Get Real

You alone control your emotions, your responses, and your destiny. Politicians may control the purse strings at the national level, but only you control what happens in your daily life. Don’t wait for the government to bail you out, because it won’t. Take responsibility for your own situation and take charge of your own affairs.

Best Tip: You can actually choose to be happy no matter what is happening around you. Imagine you are walking down the street, when someone suddenly shoves you to the pavement. Your first response is likely to be anger at the person who pushed you, right? But what if you then realize he was pushing you out of the path of a speeding car? You would feel happy and grateful. Same situation, two totally different responses—all depending on how you chose to perceive what was happening to you. You can choose your response in almost any situation. Choose happiness and you will find your troubles easier to bear.

3) Get a Clue

Do the math. As difficult or painful as it may be, creating a budget is the best way to regain control over your finances. By making a list of your income and your expenses you will get a good picture of your situation that will enable you to make better choices about how to spend your money wisely.

Best Tip: Call every vendor you do business with and find out how you can reduce your payments. I just saved $300 a month by calling my cable company, car warranty firm, cell phone provider, and home equity loan lender and asking them to lower my payments. It took me an entire hour on the phone, but now I’ll save more than $3600 per year! That’s three house payments!

Other simple ways to save a little money that adds up to a lot:

• Change your air filters in your home and your car (that could make up to $50 difference in your electric bill and gas tank each month!),
• Start couponing. Use coupons from your Sunday paper or go online for even more savings to coupons.com. Also, get a rewards card from your supermarket and find out when double-coupon days are. One woman was recently featured on the news for actually getting money BACK from the grocery store!
• Consider changing your home phone service to an Internet service like PhonePower, ViaTalk or Vonage. This could save you several hundred dollars each year. Or get rid of your home service entirely and just use your cell phone as your main line.
• Use only your debit card from your checking account, not your credit cards. If the money comes out immediately you’re likely to spend less.
• Wash your hands! You’ll save on medical bills and over-the-counter medications.
• Rent out an unused space in your home. You can earn several hundred dollars each month by doing so.
• Put air in your tires and improve your gas mileage by up to 5 percent. It’s basically free gas!
• Find out about all the benefits of your job. Talk with the Human Resources person. Some benefits might include free tickets to sporting events, educational classes, or an optional match of your retirement funds. I told my daughter-in-law to ask her new employer about moving assistance and they paid for everything—in advance!
• Ask for sign-up fees to be waived whenever you sign up for a new account or service.
• Ask your doctor to prescribe your medication in twice it’s usual strength, then cut the tablets in half. Usually the higher dosage tablets cost the same, so you’ll get twice as much medication for your money.
• If you back-track, don’t beat yourself up. Just resolve to do better and move on.

4) Get Smart

Secure your job by becoming a subject-matter expert. Read the latest industry magazines and the daily paper. Stay on top of trends that could affect your company and keep the boss informed by sending her clippings of relevant articles.

Offer superior customer service. Call all your customers and ask how you can help them during these tough economic times. Customers have a choice of who they spend their hard-earned dollars with, and they go every time to companies they like and trust.

Best Tip: Ask for a meeting with your boss. Tell her that you appreciate the challenges the company faces and ask how you can help the organization to be more profitable. Brainstorm ideas for increasing revenue and decreasing expenses. Doing this shows initiative, drive, and loyalty. When your boss knows you are a team player who is vested in the success of her company, she will appreciate you more and may be less likely to lay you off.

5) Get Involved

See next week’s blog…

Below are the first three of five simple but powerful steps to create your own personal stimulus package and regain control over your life. 

The 5 steps are:

1) Get a Grip

Despite the wide-spread panic, the world is not ending. Of course people have real problems that are difficult to overcome, but they are not insurmountable. The greatest stressor for individuals at this time is their personal finances; some people have lost some or most of their assets in the stock market, others have or might lose their homes. It’s bleak, I know, but you have the strength to get through it.

The fact is, worry and negativity only make matters worse. They cause stress, aging, short and long-term health issues, and they make it more difficult to think clearly and implement solutions.  Stop losing sleep over your finances; your creditors aren’t thinking about you at 3 a.m., so don’t waste your energy thinking about them.

Best Tip: Learn to combat worry and negativity with these three simple steps: BLT—(1) breathe, 2) let it go, and 3) think gratitude. Breathing deeply will reduce your stress and release feel-good chemicals that will calm you down. Giving up your troubles to a higher power relieves you of the burden of carrying them. If you do not believe in a higher power, know at least that your troubles will resolve themselves with time. Finally, think of things to be grateful for. This can be difficult when things look bleak, but you can always find something positive in even the worst circumstances.

2) Get Real

You alone control your emotions, your responses, and your destiny. Politicians may control the purse strings at the national level, but only you control what happens in your daily life. Don’t wait for the government to bail you out, because it won’t. Take responsibility for your own situation and take charge of your own affairs.

Best Tip: You can actually choose to be happy no matter what is happening around you. Imagine you are walking down the street, when someone suddenly shoves you to the pavement. Your first response is likely to be anger at the person who pushed you, right? But what if you then realize he was pushing you out of the path of a speeding car? You would feel happy and grateful. Same situation, two totally different responses—all depending on how you chose to perceive what was happening to you. You can choose your response in almost any situation. Choose happiness and you will find your troubles easier to bear.

3) Get a Clue

Do the math. As difficult or painful as it may be, creating a budget is the best way to regain control over your finances. By making a list of your income and your expenses you will get a good picture of your situation that will enable you to make better choices about how to spend your money wisely.

Best Tip: Call every vendor you do business with and find out how you can reduce your payments. I just saved $300 a month by calling my cable company, car warranty firm, cell phone provider, and home equity loan lender and asking them to lower my payments. It took me an entire hour on the phone, but now I’ll save more than $3600 per year! That’s three house payments!

Other simple ways to save a little money that adds up to a lot:

• Change your air filters in your home and your car (that could make up to $50 difference in your electric bill and gas tank each month!),
• Start couponing. Use coupons from your Sunday paper or go online for even more savings to coupons.com. Also, get a rewards card from your supermarket and find out when double-coupon days are. One woman was recently featured on the news for actually getting money BACK from the grocery store!
• Consider changing your home phone service to an Internet service like PhonePower, ViaTalk or Vonage. This could save you several hundred dollars each year. Or get rid of your home service entirely and just use your cell phone as your main line.
• Use only your debit card from your checking account, not your credit cards. If the money comes out immediately you’re likely to spend less.
• Wash your hands! You’ll save on medical bills and over-the-counter medications.
• Rent out an unused space in your home. You can earn several hundred dollars each month by doing so.
• Put air in your tires and improve your gas mileage by up to 5 percent. It’s basically free gas!
• Find out about all the benefits of your job. Talk with the Human Resources person. Some benefits might include free tickets to sporting events, educational classes, or an optional match of your retirement funds. I told my daughter-in-law to ask her new employer about moving assistance and they paid for everything—in advance!
• Ask for sign-up fees to be waived whenever you sign up for a new account or service.
• Ask your doctor to prescribe your medication in twice it’s usual strength, then cut the tablets in half. Usually the higher dosage tablets cost the same, so you’ll get twice as much medication for your money.
• If you back-track, don’t beat yourself up. Just resolve to do better and move on.

 4) Get Smart

5) Get Involved