"Your credit score: Those three little numbers can have a six-digit impact on your life." — Phil X. Tirone
Good Morning,
Many people think that a good credit score simply means you can have more stuff — and a bad credit score means less stuff. But it's far more than that. If your credit score is not as strong as it could be, you're losing money. Every day. Your car payment — more. If you own your home, your mortgage — far more. Or, if you rent your home, you're paying thousands more that could be going toward home equity. It's an endless spiral that affects your wallet as well as your spirit.
You need to take total control of all your finances. If you seem to be struggling with money, you need to sit down and do a budget. Write down all your expenses, every single one. The purpose of this budget is to be able to look, see and identify were your money is going.
If you need to free up some money, while looking at your budget, you might have to do some drastic budget costs to save money. Maybe you need to get rid of cable or at least drop it to the basic plan. Stop making long distance phone calls if you can. Get rid of the cell phone or go to a prepaid plan that will save you money. How about Internet? Get rid of the costly high speed, you can still find dial up providers for $10.00 per month !!
You need to eliminate the waste. Get back to the essentials. What you need, instead of what you want. If you cut the wasted money out of your budget, you can free up a ton of money.With the freed up money, you can start to save or send in more towards those credit card bills, your car, your house. Concentrate on getting things paid off and becoming debt free.
Now, I know all the things you waste your money on will make your life a little less fun. But, if you want to get ahead financially, you have to sacrifice some where. So get out that pad and do your budget and figure out what you can do without. You'll be amazed how much money every month you can free up.
Until next time, always be aware of your decisions that shape your destiny!!
Showing posts with label goals. Show all posts
Showing posts with label goals. Show all posts
Friday, February 15, 2008
Friday, January 4, 2008
"Nothing is particularly hard if you divide it into small jobs." — Henry Ford
Good morning,
This morning we are going to look at breaking down goals into smaller mini goals. This is a great tactic to use on long term goals. When you set a long term goal, it's long term because your not going to be able to achieve it over night.
You must learn to have mini goals within the long term goals. Let's take Henry Ford for example. Here is a man that needed to continuously produce not only one automobile but thousands of automobiles as quickly an efficiently as possible. So, how did he do it? He came up with the assembly line. What this did was to break the task of making an automobile into smaller segments. They would start from the beginning, and at the end of the line, wa la, your finished automobile.
That's what we have to learn to do. We have to design our own assembly line for building our goal. Start with the goal in mind. The goal in mind should be your end result. What you want to achieve. Now, you need to design your assembly line on paper, in steps, in small segments. When you are done with your assembly line, you just start from the beginning and work your way to the end. Now, as your moving thru the assembly line, you must have some quality control to inspect what your doing. You might find that you might have to add another part or even remove a part for your assembly line to be productive as you go along. So always monitor your assembly line and add or remove parts as needed.
People usually know how to achieve a goal, but they just don't ever take the action to go for it. So learning to break it down into smaller steps is easier to handle than wondering how your going to achieve the big goal. Break it down, build your assembly line and you shall succeed.
Until next time, always be aware of your decisions that shape your destiny!
Good morning,
This morning we are going to look at breaking down goals into smaller mini goals. This is a great tactic to use on long term goals. When you set a long term goal, it's long term because your not going to be able to achieve it over night.
You must learn to have mini goals within the long term goals. Let's take Henry Ford for example. Here is a man that needed to continuously produce not only one automobile but thousands of automobiles as quickly an efficiently as possible. So, how did he do it? He came up with the assembly line. What this did was to break the task of making an automobile into smaller segments. They would start from the beginning, and at the end of the line, wa la, your finished automobile.
That's what we have to learn to do. We have to design our own assembly line for building our goal. Start with the goal in mind. The goal in mind should be your end result. What you want to achieve. Now, you need to design your assembly line on paper, in steps, in small segments. When you are done with your assembly line, you just start from the beginning and work your way to the end. Now, as your moving thru the assembly line, you must have some quality control to inspect what your doing. You might find that you might have to add another part or even remove a part for your assembly line to be productive as you go along. So always monitor your assembly line and add or remove parts as needed.
People usually know how to achieve a goal, but they just don't ever take the action to go for it. So learning to break it down into smaller steps is easier to handle than wondering how your going to achieve the big goal. Break it down, build your assembly line and you shall succeed.
Until next time, always be aware of your decisions that shape your destiny!
Thursday, January 3, 2008
"The ability to simplify means to eliminate the unnecessary so that the necessary may speak." — Hans Hofmann
Good Morning,
Today we are going to discuss eliminating unproductive actions. My question to you is, if you could pick one productive action you can take everyday to help you reach your goal, what would that be? Think of something that you currently are not doing. Maybe you think you don't have the time to do it.
Now, my challenge to you is to add this one activity to your daily routine. You must manage your time and simplify your tasks. Maybe your one activity you want to add is exercise for 45 minutes, 5 days a week. But, you think you don't have the time to fit that activity in your daily routine. Well, I am here to tell you that your using time as an excuse. If you really want to fit an activity in your routine, you need to make time.
You might have to look at your daily routine and cut some unproductive activities out of your daily life to make the time to exercise. An example, you might wake up every morning, drink coffee and spend about two hours surfing the web before you get ready for work. Well, what you need to do is simply cut your web browsing down to an hour. Than you have a whole hour to exercise or do what ever your activity is.
Now, that's a simple example, but the bottom line is you can cut and shift things around to fit that activity into your schedule. You have 24 hours everyday. Cut eight hours out for sleep. That leaves you 16 hours. Cut, let's say 10 hours for your job. That leaves you 6 hours. 6 hours left!! That's a good amount of time everyday. You can surely cut some unproductive activity and replace it with a productive one. You CAN find the time. So STOP using time as an excuse. Because that is what it is. An EXCUSE !!!
Until next time, be aware of your decisions that shape your destiny!
Good Morning,
Today we are going to discuss eliminating unproductive actions. My question to you is, if you could pick one productive action you can take everyday to help you reach your goal, what would that be? Think of something that you currently are not doing. Maybe you think you don't have the time to do it.
Now, my challenge to you is to add this one activity to your daily routine. You must manage your time and simplify your tasks. Maybe your one activity you want to add is exercise for 45 minutes, 5 days a week. But, you think you don't have the time to fit that activity in your daily routine. Well, I am here to tell you that your using time as an excuse. If you really want to fit an activity in your routine, you need to make time.
You might have to look at your daily routine and cut some unproductive activities out of your daily life to make the time to exercise. An example, you might wake up every morning, drink coffee and spend about two hours surfing the web before you get ready for work. Well, what you need to do is simply cut your web browsing down to an hour. Than you have a whole hour to exercise or do what ever your activity is.
Now, that's a simple example, but the bottom line is you can cut and shift things around to fit that activity into your schedule. You have 24 hours everyday. Cut eight hours out for sleep. That leaves you 16 hours. Cut, let's say 10 hours for your job. That leaves you 6 hours. 6 hours left!! That's a good amount of time everyday. You can surely cut some unproductive activity and replace it with a productive one. You CAN find the time. So STOP using time as an excuse. Because that is what it is. An EXCUSE !!!
Until next time, be aware of your decisions that shape your destiny!
Saturday, December 29, 2007
Time - Waits For No One
"The loving person is a person who abhors waste—waste of time, waste of human potential. How much time we waste. As if we were going to live forever." — Leo Buscaglia
Good Morning,
Today, we are going to discuss time as related to your life. The average person lives to be about 75 years old. Now, when your young, you think you have all the time in the world. But, before you know it, you turn 20, then 30, then 40, until you get to the point where you might just have a few years left. Time will not pause, time is always continuous. The future will surely come, faster than expected.
Eventually, when you reach your "golden years" as some people call it, your going to look back at your life and reflect on things that maybe you should have done or tried. You don't want to grow older and regret not taking certain opportunities that you had when you were younger. Alot of people live in fear there whole life. Fear of what might happen if I do this or if I do that.
If you want to live the best, most fulfilling life, you need to dream and dream big. You need to face any fear that you have. 90% of the time the thing you fear never will surface anyway. People get so wrapped up about what other people think about who you are. They might say your crazy for doing certain things. But, in reality, they wish they had the courage to face there fear to try different things.
You can continue to just go with the flow, whatever happens, happens. Or you can go out there and live, make things happen. If you make decision to take action to do something, that action will give you some kind of result. Will you fail at doing some things, when you take chances? Yes, you will. But, I rather live my life taking chances than never taking any.
What is the worst that can happen if you failed? The answer to that question, is probably really not all that bad. And of course there are many people who are in alot worse situations than you are.
You must live your life to the fullest every day, because you never know when your time is up. Don't procrastinate, and think you'll do something some day. Because that someday might never come. Realize that every minute, every second that you spend on this great planet is precious. Make the most of everyday.
My exercise to you today, is to imagine you are diagnosed today with a terrible illness. Your doctor tells you for certain, that you have one year to live. This would be terrible, but many people really do get told this very same thing. Think of how they must feel. Think of how you might feel. But, the one great things these people can take advantage of is having closure on everything before they go. They can call that someone they haven't talked to in years, they can go travel somewhere they always wanted to go. They will probably do more in that one year they have left than they ever did in there whole life time. But, most people don't have that luxury. They will simply live there life and pass away.
So, back to the exercise, if you had one year left to live, what would you do? Write down everything you would like to do before you go. Just brain storm, who would you get in touch with, where would you go, what would you do, what would you like to accomplish? If you knew you had one year left, I'm sure you wouldn't live in fear, you know no matter what when the year is done, you will be gone. Let your imagination run wild, no matter how bizarre it might sound, write it down.
When your finished you will have a complete list of dreams that you would love to accomplish in that one year. Now, I'm going to give you the gift of time. I give you the next ten years to accomplish most of this instead of just one year!! How does that sound? Surely if you could do these things in one year, you would be able to accomplish most of them in ten years, don't you think?
Think about that !!!!!!
Until next time, be aware of your decisions that shape your destiny.
Good Morning,
Today, we are going to discuss time as related to your life. The average person lives to be about 75 years old. Now, when your young, you think you have all the time in the world. But, before you know it, you turn 20, then 30, then 40, until you get to the point where you might just have a few years left. Time will not pause, time is always continuous. The future will surely come, faster than expected.
Eventually, when you reach your "golden years" as some people call it, your going to look back at your life and reflect on things that maybe you should have done or tried. You don't want to grow older and regret not taking certain opportunities that you had when you were younger. Alot of people live in fear there whole life. Fear of what might happen if I do this or if I do that.
If you want to live the best, most fulfilling life, you need to dream and dream big. You need to face any fear that you have. 90% of the time the thing you fear never will surface anyway. People get so wrapped up about what other people think about who you are. They might say your crazy for doing certain things. But, in reality, they wish they had the courage to face there fear to try different things.
You can continue to just go with the flow, whatever happens, happens. Or you can go out there and live, make things happen. If you make decision to take action to do something, that action will give you some kind of result. Will you fail at doing some things, when you take chances? Yes, you will. But, I rather live my life taking chances than never taking any.
What is the worst that can happen if you failed? The answer to that question, is probably really not all that bad. And of course there are many people who are in alot worse situations than you are.
You must live your life to the fullest every day, because you never know when your time is up. Don't procrastinate, and think you'll do something some day. Because that someday might never come. Realize that every minute, every second that you spend on this great planet is precious. Make the most of everyday.
My exercise to you today, is to imagine you are diagnosed today with a terrible illness. Your doctor tells you for certain, that you have one year to live. This would be terrible, but many people really do get told this very same thing. Think of how they must feel. Think of how you might feel. But, the one great things these people can take advantage of is having closure on everything before they go. They can call that someone they haven't talked to in years, they can go travel somewhere they always wanted to go. They will probably do more in that one year they have left than they ever did in there whole life time. But, most people don't have that luxury. They will simply live there life and pass away.
So, back to the exercise, if you had one year left to live, what would you do? Write down everything you would like to do before you go. Just brain storm, who would you get in touch with, where would you go, what would you do, what would you like to accomplish? If you knew you had one year left, I'm sure you wouldn't live in fear, you know no matter what when the year is done, you will be gone. Let your imagination run wild, no matter how bizarre it might sound, write it down.
When your finished you will have a complete list of dreams that you would love to accomplish in that one year. Now, I'm going to give you the gift of time. I give you the next ten years to accomplish most of this instead of just one year!! How does that sound? Surely if you could do these things in one year, you would be able to accomplish most of them in ten years, don't you think?
Think about that !!!!!!
Until next time, be aware of your decisions that shape your destiny.
Friday, December 28, 2007
Worrying - Useless Emotion
Good Morning,
Today we are going to discuss how worrying puts you in a negative, unproductive state. I am here to tell you that even though everyone has this emotion, it really is a useless emotion. Why do I say that?
Because, if your worrying about something and can actually do something about it, then you would not have to worry. On the other hand, if your worrying about something and you have no control over the outcome and you can't do anything about it, worrying is not going to change anything.
Does that make sense? Really think about this. It's true. Let me give you an example. Let's say, you are driving to work, your on the freeway. Your making good time, but, all of a sudden you find yourself in a traffic jam. You then realize your going to be late for your important meeting at work. At this point if you could do anything to manage not being late, you would do it. But, in this case, you are going to be late, you can't do anything about that, you have no control over it. Most people will sit in there cars and become very concerned and worried. But, being concerned and worried about what the outcome is going to be when you get to work is useless. Because , no matter how you look at it, what ever the outcome is going to be is going to be and there's nothing you can do about it. No matter how much you worry, it is still going to happen.
At this point, you must just go with the flow and realize it is out of your control. You must deal with it and move forward. No reason to worry. Get rid of this useless emotion.
Another example, might be, your waiting for your spouse to come home from work and he is late. You start worrying, even though by doing this, if something did happen, you have no control over it. All you can do is, have hope that nothing happened. But, worrying about it, will do nothing to change anything.
I can give you many examples, but, you must get the point and if you really think about it, you can see, that it really is a useless emotion.
So, try to stop worrying about things that you have no control over and if you do have control over something, than do something, then there would be no need to worry about it.
Until next time, be aware of your decisions that shape your ultimate destiny!!
Today we are going to discuss how worrying puts you in a negative, unproductive state. I am here to tell you that even though everyone has this emotion, it really is a useless emotion. Why do I say that?
Because, if your worrying about something and can actually do something about it, then you would not have to worry. On the other hand, if your worrying about something and you have no control over the outcome and you can't do anything about it, worrying is not going to change anything.
Does that make sense? Really think about this. It's true. Let me give you an example. Let's say, you are driving to work, your on the freeway. Your making good time, but, all of a sudden you find yourself in a traffic jam. You then realize your going to be late for your important meeting at work. At this point if you could do anything to manage not being late, you would do it. But, in this case, you are going to be late, you can't do anything about that, you have no control over it. Most people will sit in there cars and become very concerned and worried. But, being concerned and worried about what the outcome is going to be when you get to work is useless. Because , no matter how you look at it, what ever the outcome is going to be is going to be and there's nothing you can do about it. No matter how much you worry, it is still going to happen.
At this point, you must just go with the flow and realize it is out of your control. You must deal with it and move forward. No reason to worry. Get rid of this useless emotion.
Another example, might be, your waiting for your spouse to come home from work and he is late. You start worrying, even though by doing this, if something did happen, you have no control over it. All you can do is, have hope that nothing happened. But, worrying about it, will do nothing to change anything.
I can give you many examples, but, you must get the point and if you really think about it, you can see, that it really is a useless emotion.
So, try to stop worrying about things that you have no control over and if you do have control over something, than do something, then there would be no need to worry about it.
Until next time, be aware of your decisions that shape your ultimate destiny!!
Thursday, December 27, 2007
Getting Answers From Your Inner-Mind
Good Morning,
Today, we are going to discuss how to solve problems using your inner-mind or many people call it your inner-voice. This is a great technique to use on anything that you are looking to improve in your life or any thing to help you accomplish a goal or dream.
The way this works, by asking you inner-mind a question, it will surely come up with an answer. It's programmed to come up with an answer. No matter what you ask, you will get an answer.
You could ask a ludicrous question, and your inner mind will still come up with an answer. You inner mind is like a huge filing cabinet that holds all your memories and all your references that you have accumulated over your lifetime. So, when you ask your inner-mind a question, it will search through millions of files to bring you answers.
Now, let me explain to you how to do this. You start out by taking a blank piece of paper or open your email or notepad on your computer. Somewhere you can write or type anything you want.
At the top of the page, I want you to type / write a question that you want answered. The better your question is worded, the better results you will have. But, it could be any question.
Now, in your mind, ask the question and start typing. Whatever comes to your mind. Just type and don't stop. Somethings that come to your mind will seem like they don't make sense or that they are off topic. But, that's OK. Just keep typing. You might find yourself typing one word, one phrase, one sentence, one paragraph. Whatever it is just type it. Do this for about five minutes or so. After five minutes you will have typed a good amount.
After your inner mind session, start looking back at what you typed and you will find a recurring theme in what you wrote. That recurring theme is the answer your inner mind has provided.
Let me give you an example that I recently did. The question I asked:
In what way can I lose the weight and get to my goal of 180 lbs. ??
Now, here is what I typed in while I kept asking the question:
think before you act / think of how you will feel after eating / fast forward your realty, when you are finished eating. how will you feel? /monitor intake / no fatty / junk food / don't become a prisoner, become the guard / live with never ending energy / light food / just enough to feel content / slow down, enjoy / vision of yourself slim and trim and light / continue to exercise / always look ahead / avoid obstacles / think how will this make me feel afterward / use food for energy source / be active in everything / be cautious / find the meaning / drink plenty of water /` eat healthy, when hungry / have total concentration and become more aware and alert to everything around you / just know that it's going to happen / stray away from terrible food / think of your body as a temple and worship it / don't let the sinful stuff inside / only allow the greatest energy boosting food to enter the temple / always stay alert / be on your toes / use your mind in stead of your mouth / be conscious of everything / eat and feel content / get up and move / always think of the future and make it a reality
Do you notice anything that I've typed that keeps recurring?
What I discovered is, to think ahead after you have eaten and think how this food is going to make you feel, before you even eat it. If it's bad fatty food, look ahead and you will see yourself an hour from now feeling sluggish, tired, no energy, bloated and not wanting to do anything except sleep. So, the answer is to look an hour ahead in the future and make the right decision. Know how you are going to feel after eating unhealthy food vs healthier food. That is the answer.
So, now, before I make a decision to eat anything, I visualize how I am going to feel after I eat a certain food. That helps me make better, healthier decisions about what I am going to eat.
Before, I would always do the opposite. I would go eat, then a half hour after I was finished, I would say to myself, "I wish I did not eat this". Because I would feel tired, sluggish and bloated after eating a unhealthy meal.
So, my task to you is to put this exercise in practice with questions you need answers to. You can do this exercise daily, asking all kinds of questions and by doing this, you are opening your mind and using the power of your inner-mind to accomplish anything you need to accomplish.
Until next time, be aware of your decisions that shape your ultimate destiny.
Today, we are going to discuss how to solve problems using your inner-mind or many people call it your inner-voice. This is a great technique to use on anything that you are looking to improve in your life or any thing to help you accomplish a goal or dream.
The way this works, by asking you inner-mind a question, it will surely come up with an answer. It's programmed to come up with an answer. No matter what you ask, you will get an answer.
You could ask a ludicrous question, and your inner mind will still come up with an answer. You inner mind is like a huge filing cabinet that holds all your memories and all your references that you have accumulated over your lifetime. So, when you ask your inner-mind a question, it will search through millions of files to bring you answers.
Now, let me explain to you how to do this. You start out by taking a blank piece of paper or open your email or notepad on your computer. Somewhere you can write or type anything you want.
At the top of the page, I want you to type / write a question that you want answered. The better your question is worded, the better results you will have. But, it could be any question.
Now, in your mind, ask the question and start typing. Whatever comes to your mind. Just type and don't stop. Somethings that come to your mind will seem like they don't make sense or that they are off topic. But, that's OK. Just keep typing. You might find yourself typing one word, one phrase, one sentence, one paragraph. Whatever it is just type it. Do this for about five minutes or so. After five minutes you will have typed a good amount.
After your inner mind session, start looking back at what you typed and you will find a recurring theme in what you wrote. That recurring theme is the answer your inner mind has provided.
Let me give you an example that I recently did. The question I asked:
In what way can I lose the weight and get to my goal of 180 lbs. ??
Now, here is what I typed in while I kept asking the question:
think before you act / think of how you will feel after eating / fast forward your realty, when you are finished eating. how will you feel? /monitor intake / no fatty / junk food / don't become a prisoner, become the guard / live with never ending energy / light food / just enough to feel content / slow down, enjoy / vision of yourself slim and trim and light / continue to exercise / always look ahead / avoid obstacles / think how will this make me feel afterward / use food for energy source / be active in everything / be cautious / find the meaning / drink plenty of water /` eat healthy, when hungry / have total concentration and become more aware and alert to everything around you / just know that it's going to happen / stray away from terrible food / think of your body as a temple and worship it / don't let the sinful stuff inside / only allow the greatest energy boosting food to enter the temple / always stay alert / be on your toes / use your mind in stead of your mouth / be conscious of everything / eat and feel content / get up and move / always think of the future and make it a reality
Do you notice anything that I've typed that keeps recurring?
What I discovered is, to think ahead after you have eaten and think how this food is going to make you feel, before you even eat it. If it's bad fatty food, look ahead and you will see yourself an hour from now feeling sluggish, tired, no energy, bloated and not wanting to do anything except sleep. So, the answer is to look an hour ahead in the future and make the right decision. Know how you are going to feel after eating unhealthy food vs healthier food. That is the answer.
So, now, before I make a decision to eat anything, I visualize how I am going to feel after I eat a certain food. That helps me make better, healthier decisions about what I am going to eat.
Before, I would always do the opposite. I would go eat, then a half hour after I was finished, I would say to myself, "I wish I did not eat this". Because I would feel tired, sluggish and bloated after eating a unhealthy meal.
So, my task to you is to put this exercise in practice with questions you need answers to. You can do this exercise daily, asking all kinds of questions and by doing this, you are opening your mind and using the power of your inner-mind to accomplish anything you need to accomplish.
Until next time, be aware of your decisions that shape your ultimate destiny.
Wednesday, December 26, 2007
Discipline - You Must Master This
"Discipline is the bridge between goals and accomplishments." —Jim Rohn
Today we are going to talk about discipline. This is something I learn practicing Karate. When ever I am learning a new technique, I must practice it over and over again many times before I master it. While I am learning the technique I make mistakes. But, I am disciplined to know that it's part of my progress in learning the technique.
I can never be shown the technique and then perform it with perfection the very first time I try it. Just like in life, you must have the discipline to learn or do something over and over until you master it. Because, you need to realize your not going to do it right the very first time. When your not doing right, you must realize what your doing wrong and change it. You must constantly be changing and adapting to get it right. But, once you get it right, you'll know it. You'll feel it.
Many people will try to do something once, maybe twice and quit. They quit, because they don't get the results they want after a couple of times. That's pretty sad, because each time they try, they are going to get better and better every time, until they eventually get it. If I tried a new technique in Karate once or twice and then quit because I can't get it right, I would never get ahead. I know I must do the technique over and over and over again before I get it.
So, the bottom line here is that whatever your dream or goal is, you need to keep trying to get it accomplished, always be aware of what is not working and change it and keep trying until you get it right. Always realize that it could take 2, 5, 10, 20, 50 or more times to get it right. Never try to accomplish your goal once and just quit. If you have the discipline to keep trying you will eventually get it.
Think of your goal as a Karate technique that you must practice over and over again until it is done right.
Until next time, always be aware of the decisions you make that shape your destiny.
Today we are going to talk about discipline. This is something I learn practicing Karate. When ever I am learning a new technique, I must practice it over and over again many times before I master it. While I am learning the technique I make mistakes. But, I am disciplined to know that it's part of my progress in learning the technique.
I can never be shown the technique and then perform it with perfection the very first time I try it. Just like in life, you must have the discipline to learn or do something over and over until you master it. Because, you need to realize your not going to do it right the very first time. When your not doing right, you must realize what your doing wrong and change it. You must constantly be changing and adapting to get it right. But, once you get it right, you'll know it. You'll feel it.
Many people will try to do something once, maybe twice and quit. They quit, because they don't get the results they want after a couple of times. That's pretty sad, because each time they try, they are going to get better and better every time, until they eventually get it. If I tried a new technique in Karate once or twice and then quit because I can't get it right, I would never get ahead. I know I must do the technique over and over and over again before I get it.
So, the bottom line here is that whatever your dream or goal is, you need to keep trying to get it accomplished, always be aware of what is not working and change it and keep trying until you get it right. Always realize that it could take 2, 5, 10, 20, 50 or more times to get it right. Never try to accomplish your goal once and just quit. If you have the discipline to keep trying you will eventually get it.
Think of your goal as a Karate technique that you must practice over and over again until it is done right.
Until next time, always be aware of the decisions you make that shape your destiny.
Subscribe to:
Posts (Atom)
