“So You will be what you will to be;
Let failure find its false content
In that poor word, ‘environment,’
But spirit scorns it, and is free.
“It masters time, it conquers space;
It cowes that boastful trickster, Chance,
And bids the tyrant Circumstance
Uncrown, and fill a servant’s place.
The human Will, that force unseen,
The offspring of a deathless Soul,
Can hew a way to any goal,
Though walls of granite intervene.
“Be not impatient in delays
But wait as one who understands;
When spirit rises and commands
The gods are ready to obey.”
Excerpt From: James Allen. “As a Man Thinketh.” iBooks. https://itun.es/us/V2NYD.l
Words From Fourth Grade
This morning as I prepare for class at the Bauer College of Business at University of Houston, my mind is on Credit and Debt. Over the years, I’ve worked with hundreds of clients who were living “one paycheck from disaster”. In your homework this week, you discovered some interesting things about Credit and Debt and you’re starting to see the difference between the wise “use” of Credit and Debt and the painful results that come from abusing Credit and Debt.
My wife, Connie, and I typically spend an hour or so reading early in the morning. Sometimes, we get to share a few of our early morning insights and inspiration with one another. Today, Connie read a quote from James Allen’s book As A Man Thinketh. (Its a FREE iBook! Click Here to Get IT NOW)
Exerpt from: As a Man Thinketh
“The circumstances, which a man encounters with suffering, are the result of his own mental in-harmony. The circumstances, which a man encounters with blessedness, are the result of his own mental harmony. Blessedness, not material possessions, is the measure of right thought; wretchedness, not lack of material possessions, is the measure of wrong thought. A man may be cursed and rich; he may be blessed and poor. Blessedness and riches are only joined together when the riches are rightly and wisely used; and the poor man only descends into wretchedness when he regards his lot as a burden unjustly imposed.”
Indigence and indulgence
“Indigence and indulgence are the two extremes of wretchedness. They are both equally unnatural and the result of mental disorder. A man is not rightly conditioned until he is a happy, healthy, and prosperous being; and happiness, health, and prosperity are the result of a harmonious adjustment of the inner with the outer, of the man with his surroundings.”
“A man only begins to be a man when he ceases to whine and revile, and commences to search for the hidden justice which regulates his life. And as he adapts his mind to that regulating factor, he ceases to accuse others as the cause of his condition, and builds himself up in strong and noble thoughts; ceases to kick against circumstances, but begins to use them as aids to his more rapid progress, and as a means of discovering the hidden powers and possibilities within himself.”
Law Governs the Universe
“Law, not confusion, is the dominating principle in the universe; justice, not injustice, is the soul and substance of life; and righteousness, not corruption, is the moulding and moving force in the spiritual government of the world. This being so, man has but to right himself to find that the universe is right; and during the process of putting himself right he will find that as he alters his thoughts towards things and other people, things and other people will alter towards him.”
Self Evident Truth
“The proof of this truth is in every person, and it therefore admits of easy investigation by systematic introspection and self-analysis. Let a man radically alter his thoughts, and he will be astonished at the rapid transformation it will effect in the material conditions of his life. Men imagine that thought can be kept secret, but it cannot; it rapidly crystallizes into habit, and habit solidifies into circumstance. Bestial thoughts crystallize into habits of drunkenness and sensuality, which solidify into circumstances of destitution and disease: impure thoughts of every kind crystallize into enervating and confusing habits, which solidify into distracting and adverse circumstances: thoughts of fear, doubt, and indecision crystallize into weak, unmanly, and irresolute habits, which solidify into circumstances of failure, indigence, and slavish dependence: lazy thoughts crystallize into habits of uncleanliness and dishonesty, which solidify into circumstances of foulness and beggary: hateful and condemnatory thoughts crystallize into habits of accusation and violence, which solidify into circumstances of injury and persecution: selfish thoughts of all kinds crystallize into habits of self-seeking, which solidify into circumstances more or less distressing.”
Self Control vs. Self Absorbtion
“On the other hand, beautiful thoughts of all kinds crystallize into habits of grace and kindliness, which solidify into genial and sunny circumstances: pure thoughts crystallize into habits of temperance and self-control, which solidify into circumstances of repose and peace: thoughts of courage, self-reliance, and decision crystallize into manly habits, which solidify into circumstances of success, plenty, and freedom: energetic thoughts crystallize into habits of cleanliness and industry, which solidify into circumstances of pleasantness: gentle and forgiving thoughts crystallize into habits of gentleness, which solidify into protective and preservative circumstances: loving and unselfish thoughts crystallize into habits of self-forgetfulness for others, which solidify into circumstances of sure and abiding prosperity and true riches.”
Your Thoughts About Credit and Debt
Its been a lot of fun reading your homework this week. I tried to list a few of the common principles you highlighted in your articles this week. Here are a few, let’s make a better list in class today. Or, if you can’t join us in class, please add your comments to this blog post now.
- — The rich rules over the poor, and the borrower is SLAVE to the lender.
- — According to The Wall Street Journal, 70% of Americans are living paycheck to paycheck.
- — If we tell a lie often enough and loud enough, we start to believe it’s true.
- — Anything a credit card can do, a debit card will do better.
- — Consolidation of debt is a con.
- — Attack the debt with anger, passion, and hope.