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What is it that you want to take action on?  Is there a goal you want to pursue?  Is there a habit you want to create? Sometimes it seems like a mystery as to how people are able to accomplish some things and other things they leave to procrastination or simply don’t ever get started. When I examine my life I know there are things that I should do and just don’t do.  You likely face the same situation at times.  Understanding the “Theory of Planned Behavior” developed by Ajzen and Fishbein can help.  This theory shows what PLANNED behavior is most likely to become ACTUAL behavior.  Understanding it can help you move more of your behavior from planned to actual.

There are three things that determine the likelihood that you will take action.

1.    Attitude Towards the Behavior/ Action

This concept is pretty simple. What is your attitude towards the action or behavior?  If you have a positive attitude, you are more likely to take action. Think of a couple of examples.  If you have a positive attitude towards exercise you are more likely to exercise.  If you have a negative attitude towards exercise, you are less likely to exercise.  If you have a positive attitude towards making that next sales call, you are more likely to make it.  This is true for any action or behavior.

2.    Subjective Norms

The second factor is the subjective norms related to the action.  This relates to the perceived social pressures around the action.  In other words, will others approve of the action or behavior. This is why having someone to exercise with makes such a difference.  It provides a built in positive social reinforcement.  The strength of the social pressure comes in to play here as well.  The more people that will react positive to your behavior and the more important those people are in your life, the more likely you are to take action.

3.    Perceived Behavioral Control

The final factor is the likelihood of being successful.  This really relates to the perceived difficulty or ease of the action. If it is something you think is easy and that you will be successful in it, you will more likely do it.  If you think it will be difficult and that you might fail, you are less likely to do it. If you think it is going to be difficult to lose weight, you won’t try.  On the other hand if you think it will be easy, you will get started right away.

Notice that this is all based on your PERCEPTIONS. Of course you may perceive something very difficult than it actually is.  How often have you resisted doing something because you thought it would be hard and take a lot of time, only to find it was much easier than you thought once you got started?  This is because your perceptions were out of line with reality, however it was your perceptions that controlled your actions.

Bring It Together

Bringing it all together this theory teaches us that if there is something we really want to accomplish, there are three things we can do to make it more likely we will actually do it:

• Have a positive attitude about the action or behavior
• Bring others around to support and challenge us – people that would approve of our success in this behavior
• Believe you will be successful and that the task is not as hard as you think

What is one action you’ve been putting off doing? Or what is one habit you want to create in your life?  Take that action or habit and analyze it under the three factors and use them to help spur yourself into action.

Written by:
Danny Gamache – The Success Professor

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Last week I shared how my wife and I will be debt free in a couple of weeks!  Earlier this week, I expanded that by saying that everyone should make getting out of debt a goal.  Not just a long term goal, but a goal they focus on now.  Today, I present five simple steps for getting out of debt.

1. Accept Where You Are Starting From

You need to start by accepting where you are at.  Too often people get into a state of denial around their debts.  They don’t see everything, or don’t admit to the seriousness of the problem.  For others, they like to imagine, or live like, their debts don’t exist.  No matter whether you are deep in debt, or just a small amount of debt, accept where you are.

Part of accepting where you are means you should not run around chasing magic solutions to your debt problem. Don’t chase fancy “debt consolidation” schemes or companies with all sorts of promises about paying only a small amount of their debt.  It also means that you don’t even contemplate bankruptcy. You need to start digging your way out on your own.  But here’s the good news:  you can do it!

2. Use a Simple Budget System

You may have heard that you need to have a budget, but most of the time budgets are too complicated or too rigid. You need a simple, but flexible budget system.  There are a lot of advantages to having a budget.  It allows you to track your spending so you know where money is actually going.  You might be very surprised when you see where you actually spend your money.  Further, having a budget allows you to plan where you will spend your money.  This plan allows you to make space for paying off your debts.  Finally, having a budget keeps you from spending more than you make.  If you spend more than you make you will only go further into debt. Using a budget to plan out month will help ensure that you don’t spend more than you make.

As you can see, having a budget can be very beneficial.  Of course, this is only true if you use it.  Unfortunately, most people that try budgeting don’t stick to it.  That is where the Simple Budget System comes in.  You can read about the Simple Budget System here.

3. Cut Your Costs

Once you have established your budget, and have an understanding about where you spend money, look for ways that you can cut your costs.  What are some things that you can give up? Certainly, this will mean sacrifice.  The deeper in debt you are, the deeper the sacrifices you will need to make.  Look through your expenses and determine what you can cut.  For some, it is their daily Starbucks coffee.  For others, it means cutting cable TV.  My wife and I went without cell phones for the last four years.  What can you cut?

Another way to cut your costs is to start using cash for your expenditures.  If you use cash instead of debit or credit cards you will spend less. It’s been said that people with cash spend 18% less than if they used a debit card, and 28% less than if they use a credit card.  Why?  Two reasons:  One, there is an emotional attachment to cash.  You actually have to hand it over, and there is an emotion to that.  It’s not as easy as handing over a piece of plastic.  Secondly, you always know you what you have left.  If you have $200 in your wallet and you are about to spend $50, you are very aware that this is 25% of what you have.  You are going to have a lot less.  It forces you to ask, “Do I really want to spend this?”   If you switch to using cash, you will spend less.

4. Increase Your Income

This step is one that people often overlook, but it can be extremely valuable.  If you increase your income, you can take 100% of the increase and apply it to your debts. That’s what my wife and I did.  Over the past few years we have made over $10,000 a year extra with our side business. We then applied that money to our debts!  Those extra payments dramatically propelled us towards being debt free.

There are many ways you can increase your income. You can work hard at your job and try to get a promotion.  This may work, but it is not guaranteed and it may take a lot of time.  For many, the better choice is to start a part-time business.  This might be a traditional business, such as doing book keeping or babysitting , or it might be an online business or other home business.  My wife and I have partnered with a direct marketing company.  It’s not multi-level marketing, or direct sales.  Instead it allows us to earn an income without having to stock products or sell things to others.  (Enough about that here, if you want to learn more, visit my site.)

5. Snowball Your Debts

The final step is to snowball your debts.  This means that you focus on one debt at a time, and when it is done you take that payment and snowball it into the next debt payment.  This is a technique recommended by several financial experts including Dave Ramsey.  There are a couple of ways you can do this.  One option is to start with the highest interest debt and pay it off first.  I prefer a second way, which is to pay off the smallest debt first because it helps create momentum.

When you are doing your debt snowball you make your minimum payments only on all of your debts except your focal debt. On your focal debt you make as large of an extra payment as your budget allows.  You do this until that debt is completely paid off.  Then you take the extra payment you were making, as well as the former minimum payment on the debt you paid off and start on the next debt. This way the extra amount you are paying on your debts each month snowballs as more and more of your debts are paid off.

There you have it: five simple steps for getting out of debt. You can do it.  Being debt free is within your grasp.  Just get started today!

Written by:

Danny Gamache

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As I mentioned in the last article, there were many reasons why I went so long without posting to this blog. Many of them would be just simply excuses and I won’t share those with you. The fact is that I could have kept up with my normal blogging routine if I had been more persistent and focused. I didn’t. What I do want to share with you are some of the exciting life events that have happened in the last four months. In many ways, the last four months has seen the accomplishment of a number of significant goals in my life.

OLYMPICS

Back in the late 1990s I set a goal of going to every Olympic Games starting in 2002. I took the goal, wrote it down, and worked toward achieving it. The Olympics in 2002 were in Salt Lake City. The fact that it was only a long day driving from where I lived (western Canada) made me believe that I would achieve it. I took photos of Salt Lake City and the Olympic logos and put it up on my goals poster board. I focused on achieving that goal.

And I made it. I went to the Olympics in Salt Lake City and had a great experience. As I mentioned, my goal was to go to every Olympics, so I continued on and went to Athens (2004), Torino (2006), and Beijing (2008). While my goals have changed and I no longer feel I need to go to EVERY Olympics, the 2010 Olympics in Vancouver were extra important. I really wanted to experience the Olympics in my home country.

As a professor, the Winter Olympics are a little harder to make work. It is in the middle of the semester. In order to go I needed permission from my Dean, and I needed to arrange for guest speakers to teach the class. Thankfully all of that worked out and I was able to be at the Olympics for 8 days in February. One unique thing this year is that I stayed in Whistler, the mountain host venue for the Olympics. That meant a different atmosphere than I was used to, but also a few different events. Tickets were a little harder to come by than in past Olympics, however I was able to attend Cross Country Skiing and the two days of competition for Skeleton. It was great to be at a home Olympics, and especially to witness a gold medal for Canada on home soil!

PHD

Another goal of mine has been to get my PhD. You may recall that last summer I focused in on writing the GMAT. The GMAT is the entrance exam required for graduate studies in most business schools. I scored very well on my GMAT, and spent the fall applying to different schools. In the end I was accepted and offered funding at three top schools. The month of March involved trips to visit each of the schools as I worked through my decision making process.  It was challenging as I was choosing between good options and looking to make a choice for where we would live for the next four to five years.

In the end I choose Michigan State University. I am very excited about this opportunity. I will begin studies in September, but we will be moving at the end of June. (If you live in Michigan let me know, I look forward to connecting with more readers!)  Over the last two months we have sold our house in Canada, and purchased a house in Michigan. Thankfully this is allowing us to achieve another goal.

DEBT FREE

As a result of this move we are going to be completely debt free. Over the past few years we had aggressively paid off our debts and for some time now have been down to only owing our mortgage. We had even been paying off large chunks of our mortgage. (Read about how we paid of 15% extra on our mortgage here.)  On top of this, we are selling our home in a great housing market and moving to a market where prices are low. Because of these two reasons we are purchasing our new home with cash. It is going to be a great relief to be a student and have no housing payments aside from property tax and insurance.

So there you have an update on my life. Three big goals; three exciting accomplishments. We feel very blessed and are excited as we move to this next phase of life.

What are your goals? Remember, everything starts with a goal. Determine what you want and go for it.

My recommendation: Set the goal of getting debt free. This is a goal for everyone. Not everyone wants to go to the Olympics. Even fewer people want to do their PhD. But everyone can and should work towards being debt free – more on this next article!

Written by:

Danny Gamache

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One trap that many people fall into is the trap of comparing themselves to others. This is a trap because it only leads to negative results. You cannot win by comparing yourself to others.

When you are comparing yourself to others you are likely doing one of four things:

1. You compare yourself to people who are more successful than you and you get discouraged.

Comparing yourself with people more successful than you may cause you to be discouraged because they have achieved success and you have not. You start looking at their level of success as where you should be. This causes you to look at what you do not have instead of what you do have. It takes away from an attitude of thankfulness and contentment with your current situation. While it is healthy to have goals that you pursue, it is not healthy to get discouraged because others get there faster or have more.

2. You compare yourself with people who are more successful than you and you make excuses.

Another risk in comparing yourself with people more successful is that you start to make excuses for your current position. You start to think about why they have succeeded and you have not. You use these differences to justify your current situation – as an excuse. Certainly other people will have a different skill set, but that doesn’t mean that you can’t succeed with what you have.

3. You compare yourself with people less successful than you and you get prideful.

It is easy to feel good about yourself when you compare yourself with people who you think are less successful than you are. This is a false form of self-esteem. True self-esteem does not come from considering yourself better than others. It comes from an awareness of your abilities, what you can achieve, and what you have achieved already.

4. You compare yourself with people less successful than you and you get satisfied.

If you continually compare yourself with people who you view as less successful it is easy to get satisfied with where you are at. If you get satisfied with where you are at, you are less likely to pursue goals that may make a big difference in your life and in the lives of others. You are unique. Your skills and abilities are different from everyone else. You should be satisfied when you do your very best. Your satisfaction should not come from the fact that you are further ahead than someone else. They started at a very different point than you.

Instead of comparing yourself to others:

1. Learn from those more successful than you.

Don’t look at the success of others and get discouraged. Don’t look at them and make excuses for where you are at. Look at successful people and learn from them. Look at their activity. What are they doing to reach their goals? Take those activities and duplicate them in your life. You will move towards the type of successes that they have.

2. Teach those less successful than you.

Don’t look down on people less successful than you and get prideful. Don’t use their lack of success and get satisfied with where you are at. Instead, look for ways to encourage, lead, and teach those people. If they are willing to learn you can lift them up. If you have gotten somewhere that they would like to get, you can help them get there too. Success is not a limited pie. When others become more successful, it doesn’t mean you become less successful. In fact, it is usually the opposite. As you help people become more successful you become more successful as well.

In conclusion:

• don’t compare yourself with others
• learn from those more successful than you
• teach those less successful than you
• understand that everyone started at a different place
• everyone can succeed by doing the best that they can

Written by:

The Success Professor – Danny Gamache

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Hi everyone!

I’m back after a break to mark exams and for Christmas.  I’m excited about the New Year.  Are you?

Here’s some of the best articles I’ve come across over the last couple of weeks!

1. Chris Guillebeau from “The Art of Non-Conformity” shared about how to conduct an “Annual Review“.

2. On a related note Michael Hyatt shares “7 Questions to Ask About Last Year.”

3. Here’s a great system on how to integrate habits into your life from Freestyle Mind.

4. Wasabi Burger shares the scientific “Formula of Motivation.”

5. Learn about the power of “1000 True Fans” on The Technium.

Now start the year right by doing something that will help you reach your goals!

The Success Professor – Danny Gamache

PS. I just helped another team member reach the leadership level with our home business, which means I have more time available to help someone else.  If you have a goal of increasing your self-employment income in 2010 visit http://dannyg.makemoreathome.com

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In the last post, I shared about why it is important to stay consistent as you work towards your goals. That leads to the next question: how can you ensure that you stay consistency?

The struggle for consistency will look different in every person’s life based on their individual goals and lifestyles. The following are general tips which will be helpful to many of you.

1. Make a decision

Without making a conscious decision to pursue your goals consistently, week after week and day after day, you will not be able to do so. It takes a true effort on your part to be consistent so you must decide to do so. This can’t be a light decision where you say “I’ll try to be more consistent”, rather it must be a committed decision. You must be firm about your decision to pursue consistency.

2. Determine a realistic time commitment

Take some time and evaluate your life. Evaluate all the different roles you have in your life. You might be a mother, a husband, an employee. You might have roles with your church, with other organizations, or with a sports team. Determine how much time you realistically should be putting in to each role on a weekly basis, and if possible schedule in your committed times. Use this as a starting point to determine how much time you should realistically put towards your various goals every week. Whether that is two hours, four hours, ten hours or more; determine the appropriate amount of time that you can commit consistently – ever week! Make sure this commitment is realistic, so probably take your initial estimate and scale it down a little. If you set a commitment that is too high it will lead to burnout and you won’t follow through. You may want to use my weekly planning system as part of determining your time commitment.

3. Set specific times

The next step is to take your weekly calendar and mark in when you will actually be spending your time pursing your goal. Determine what days you are going to do activities, how much time each day, and when those hours fall. For example, one of my goals is to grow my blogs. That means taking the time to write good articles. To do that, I have set aside thirty minutes a day for writing. These thirty minutes occurs almost immediately after I get up in the morning. Because it is a specific time, it quickly develops into a habit. Another goal I am pursuing is growing my affiliate home business. Part of this goal involves phone meetings with business partners and potential clients. On my schedule, I have one time slot each day set aside for one of these phone meetings. I used to try to do as many as possible, and found that I would do a lot for a little while and quickly burn out. After burning out, I wouldn’t do any for a long time. That is NOT staying consistent. By scheduling only one time each day for a phone meeting I keep up a steady consistent pace.

4. Stick to it

To be consistent you need to stick to your plan. You likely will get off track from time to time. When you do, get right back on your plan and start moving forward again. You will need to refocus in this way from time to time. Also periodically revisit your time commitment and scheduled times and examine whether they are still appropriate. You will need to make revisions as you go along and move towards your goals. Also, at some points you will achieve a goal you are pursing. Take some time to celebrate and then determine what the next step or new goal that you would like to accomplish.

5. Try, try and try again

Staying consistent is a learning process. It takes time to learn how to build your life around consistent action. Certainly some people find this comes naturally, but for most of us it consistency does not come easy. That may be true even if you are excited and passionate about what you do. It is easy to burn out on your passions by spending too much time in those areas. As you continue to work towards consistency, you will get better. If you have made a firm decision to make consistent progress towards your goals, you will get there. Work your plan each day and each week. If you find yourself losing consistency, recognize it and refocus yourself. Over time you will get more and more consistent.

The great thing about consistency is that as you pursue it, you will see results. You will see yourself moving towards your goals step by step. You will find yourself breaking through the difficult inertia of the early stages and building momentum. Whether your goal is losing a few extra pounds, getting out of debt, building a part-time business, or learning a language, consistency will help you succeed.

Written by:

Danny Gamache – The Success Professor
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One of the biggest problems that most people face as they work towards a goal is the ability to put in consistent effort. Staying consistent in your activities and effort is one of the keys to success.

Consistency is even more important than simple mathematics may make it seem. By this I mean that consistently putting in 5 hours each week over the course of a month towards building business, growing a blog, or achieving a goal, is more valuable than putting in 30 hours one week and nothing for the next three weeks. Yes, the 5 hour a week plan only puts in 20 hours for the month while the other plan has 30 hours, the 5 hour a week plan is still more effective. The same applies on a month-by-month basis. You need to be consistent month after month, not work for a month, and then take a month off. Being consistent will help you reach your goals much more quickly than a sprint-and-stop plan.

You can see this idea really clearly when you think of exercising. Having a big long work out once a month is not nearly as effective as having a smaller workout every day, or even every second day. Similarly, working out every day for a week and then taking the rest of the month off is not as effective as working three times each week across the entire month. Being consistent is more effective. This same principle applies to other goals you are pursuing.

Consistency like this is important for a few reasons:

1. Inertia

The hardest part of any accomplishment is getting started. If you work in spurts you are spending a lot of energy getting started. You will work hard to get started and then before you know it you are stopped again. The law of inertia says that “a body at rest tends to stay at rest.” If you then take a significant amount of time off from pursuing your goal, things will have stopped completely and you will need to use all of that energy again. If instead, you do a little bit every day, you will be able to carry over some of that energy. Think of the exercise program again. The first workout is the hardest, because you have negative inertia. Your body doesn’t react the same, and you mentally aren’t as in to it. After a while your daily workout becomes routine and you carry forward from one day to the next. If you only exercise once a week, it feels like you are starting over each time. Both mentally and physically it requires more effort to get started again.

2. Momentum

Moving past the initial steps of negative inertia allows you to build momentum. Momentum is when the activities you do start to snowball in their effects. The work you are doing starts to build up speed because everything you are doing is building on itself. The efforts of today are building smoothly on the efforts of tomorrow. Momentum is positive inertia. The positive side of inertia is that “a body in motion tends to stay in motion.” Momentum is clearly seen in many areas of life. In politics, momentum is a powerful force for a candidate in an election campaign. In sports, many games are filled with momentum swings where one team has all the energy and everything seems to go just right. In business, momentum helps companies grow more quickly than they have before. As you work consistently towards your goal you will develop momentum that makes things happen more quickly and with less effort than before.

3. Power of Mental Focus

In life people consistently move towards the things that they focus their minds on. If you work in spurts, your mind will be focused on your goal for a short period of time. After that time you forget about it, or at least it is not part of your focus. By consistently focusing on your goal, even just a little bit each day or week, will keep your mind engaged in the process. If you mind is engaged and focused on your goal, you will notice when other things come along that might help you achieve your goal. For example, if you are growing a part time home business, you may find potential clients while doing other things. If you are consistently working on your business, you will make those connections. If you are not, you might miss out on that opportunity. Being consistent keeps your goal in your mind and helps you move towards it more quickly.

4. Keeping your life in balance

You need to allow all the areas of your life, family, work, business, spiritual etc. have some level of balance. That means you need to spend an appropriate amount of each aspect of your life. If you pursue your goals with quick spurts where you put in a huge amount of time in for one week, then during that week everything else in your life will be out of balance. Of course the opposite is also true. If you take three weeks off from pursing your goal, you will be out of balance in that area. Take exercise as an example. If you go overboard one week, then you will have taken time away from other things you should be doing; you will be out of balance. If you then stop working out for the next three weeks, you are equally out of balance, this time short on the physical activity side of life.

Consistency in life is vital. In almost every situation in my life where I haven’t achieved my goal, or where I am unsatisfied with my progress towards a goal it is because I have been inconsistent in my efforts. Being consistent allows you to use inertia instead of working against it, it allows you to build momentum, use the power of mental focus, and keep your life in balance. The next post will discuss HOW to improve your consistency.

Written by:
Danny Gamache – The Success Professor
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So what’s holding you back from moving forward more quickly towards your goals? Likely you are reading this article because you want to learn something. You want to learn something that you can apply to your life or business, so that you can grow and move forward more quickly. You likely have goals that you have not achieved. One of the keys to moving forward will be to find out what is holding you back.

This is a question I ask myself from time to time. While I am making exciting progress towards many of my goals, there are some that I am not moving forward on as quickly as I would like. Self examination helps me look at these areas and ask: “What’s holding me back?”

While everyone will have unique factors that hold them back, there are a few things that many people have in common. Here are the things that most likely are holding you back.

1. No Clear Picture of the Destination

If you don’t have clarity about what you are trying to accomplish and where you are trying to go, you will not make significant progress. This is more than simply writing down a goal. It is having a crystal clear picture for what achieving this goal will be like. The difference is like the difference between a black and white photograph and a high definition video. Most people have goals that are like the black and white photograph. You know what you want, but you don’t have a vivid picture of it. Dream a little. Use your imagination. Turn that black and white photograph into a color photograph. Then dream some more and turn it into a movie. Then dream some more and turn your movie into vivid high definition. Your dream will have increased clarity and you will have more passion to move towards it.

2. You Don’t Know WHY

Another thing that might be holding you back is that you don’t know your WHY. Your WHY is the motivating reason behind the goals. It is the reason why you will spend extra time and effort working towards the dream. The WHY is not the dream itself, but all the reasons WHY you want to achieve the dream. The WHY is usually outwards focused – on the difference you can make for others, or the difference it will make for your family. Make sure you know your WHY clearly.

3. Self-doubt

This is a big one. It was the big one in the past for me, is still the biggest one today. While with success comes more and more self-confidence the self-doubt is still there, it is just in different forms. Self-doubt is the voice in your mind that limits you – that says you can’t achieve it, that suggests you won’t make it, that you don’t have the skills and that it won’t work. Self-doubt causes you to focus on your weaknesses rather than your strengths. Self-doubt is a deadly poison for people working towards a big goal. If you let this limiting belief take over you will slow down and stop pursuing your dreams. You need to recognize self-doubt as an attitude that you can control. Focus on your strengths, and remind yourself that you can achieve your goals. Have a support system around you and train them to give you positive reinforcement about your abilities and strengths.
Bonus article: Six Steps to Defeating Self-doubt

4. Lack of consistency

Pursuit of a goal requires consistent effort. While there are times when a focused spurt can be valuable, in general it is much more effective to work at something continuously over time.  Consistency helps you to maintain steady growth. The best way to improve your consistency is to have clear goals that you break down and pursue on a weekly basis and that you break down into daily activities. (For one example, see my weekly planning and goal setting system).

5. Procrastination

Everyone struggles with procrastination. Anytime you put off doing what you know you should be doing you are procrastinating. It is something that controls many of us more than we even realize. The more you are able to move past procrastination the more quickly you will reach your goals in every area of your life. Often people procrastinate on what they view as the little things; however these little things soon add up to become very big things. Procrastination occurs when you take your focus off the importance and benefit of doing the task at hand. When you do this, the negative aspects of the task appear larger than the benefits, and then you won’t do it. You need to focus back on the benefits of what you are doing. Often it helps to just get started, even doing a little. Once you are in the state of action, more action will easily follow.

So what’s holding you back? Is it one of these five things? Is it all of them? Is it something else? Take this opportunity to do a proper self-examination. Understand what is holding back, and work towards eliminating these.

Written by:
The Success Professor – Danny Gamache

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