From the monthly archives:

February 2008

When is the Best Time to Start?

by Justin Lukasavige on February 29, 2008

I get this question all the time.

If I wanted to turn my financial future around by paying off debt, when would be a good time to start?

I’m tired of my job and it’s sucking all of the passion out of me. When should I start to develop a plan to move into the work I love?

The answer is… now!

That’s right, if you’re stuck doing the same things over and over and not getting anywhere, what’s stopping you? Make the decision to begin the transition. Search the internet and learn all you can about the improvements that you want to make. Seek others out that have made similar changes in their life.

Take in all the free information you can. Study and become a student of the change you wish to develop in your life. Nothing happens until you make that important decision.


Create a tailored eating plan

by Justin Lukasavige on February 29, 2008

If you’ve ever had to guess how many daily servings of something you should be eating, you can stop guessing. The USDA has an excellent tool on their website where you choose the amount of calories you consume daily (anywhere from 1,000-3,200) and it creates a food guide pyramid specifically designed for you.

The tool is easy to follow because instead of telling you amounts in servings, they tell you how many cups or ounces. Most people overestimate what a serving size is, but by using this tool you can measure out exactly how much you should have.

For instance, if you are on a 2,000 calorie-a-day diet, it tells you that you should be consuming 2 cups of fruit each day. For something like dairy, where it’s not as clear cut, you are instructed to have 3 cups daily, but 1 ½ ounces of cheese counts for 1 cup.

The worksheet also allows you to track what you eat and set goals for yourself.

You can find this great tool here:


What’s Stopping You?

by Justin Lukasavige on February 28, 2008

I’ve been coaching long enough now that I’m seeing more and more people that call or visit to get more information on our services and then decide not to go through with it.

Months and even years later it seems, those same people show back up again with the same problems, only in much deeper despair this time.

I talk, write and teach all the time about the main obstacle in the way of us reaching our goals is actually… ourselves! This isn’t just a problem for those seeking help from me and my staff, but I see the problem in myself as well.

I’ve come a long way from where I was just 5 or 10 years ago. Back then I would have done anything I could to do things on my own. Why admit defeat when I can just pour more work into reaching my goals or making an improvement in my life?

Of course there has always been a lot of frustration around putting my nose to the grindstone and it almost always costs me more than hiring professional help.

For instance, in the beginning stages of building our business from the ground-up, there were plenty of things I had to figure out on my own. I was a one-man show back then and didn’t have much money to have others take some of the tasks off of my hands.

When I realized how much time energy and frustration I was pouring into my work (and neglecting my family at the same time) it was time to make a change. I was doing the same thing many of my clients do!

Recognizing that I needed professional help, I sought the advice of a business coach to help me improve the things I was doing wrong, begin programs that I hadn’t started yet, and really improve how the business was run. I very easily recouped the money I spent in just a few weeks.

I am so passionate about the need to have a professional in my life that I now coach in many areas including finance, career & life direction, and I also work with many of Dave Ramsey’s Financial Counselors as they seek to help more people and improve their businesses.

What is standing in the way of you reaching your goals?


The power of stress

by Justin Lukasavige on February 27, 2008

When people think of things they can do to improve their health there are usually two things that top the list: eat better and exercise more. Of course these two things are very important as they are the basis for losing weight. But if you really want to improve your health there’s another important thing missing.

Reducing the stress in your life is just as important, if not more so, than losing weight. While some stress is good for you, having too much of it affects your sleep, which reduces your productivity, increases your blood pressure, which can lead to heart disease, and it can even affect your fertility. The list of things that stress impacts could go on and on.

I think you will find that by taking control of your life in other areas you will begin to feel much less stressed. Don’t underestimate the power that stress has over your health outcomes. Determine ways that you can begin to reduce or eliminate it from your life.


Addicted to work

by Justin Lukasavige on February 26, 2008

If you own a blackberry, or a similar device, it’s likely that your work/life balance has been thrown off. Blackberrys, sometimes referred to as “Crackberrys”, tie a person to their work no matter time of day or location. People bring them on vacation to stay connected to the office, bring them to meetings to stay up to date on emails, and carry them around on the weekends.

One company in Canada, Citizenship and Immigration Canada (CCI) has put a ban on Blackberry use, which I think is a really great idea. Workers are prohibited from using them for work related matters at night, during weekends, and on holidays. If you think you are becoming addicted to your Blackberry to the point where you check it several times over the weekend or while you are on vacation, you may want to consider taking a break.

It’s important to disconnect yourself from work at times, especially if you are spending quality time with a friend or coworker. Your health tends to suffer when the only thing you can focus on is work. The next time you take vacation try completely disconnecting from work and notice how refreshed you are when you return to the office.


Why Work for a Living?

by Justin Lukasavige on February 25, 2008

Why do so many of us work for a living? After all, work implies drudgery, mindlessness, boring duties and dissatisfaction. I don’t work for a living; rather I live for what I do. I have created the ideal life for my family and myself, and have based what I do for income around that. Did you know that there are many cultures around the world that do not even have a word for ‘retirement’?

We have known for a long time that in North the United States we are a ’special’ culture. There is no other country in the world with the wealth and status that we enjoy that has the money problems that we are plagued with. Along the same line, people in most other cultures do not ‘work’. Rather, they simply do what they love each and every day, and get compensated enough to make a living. That is not to say they do not do well.

If you travel much around the world as my wife and I have, you will notice that people are generally very happy. You will not find many people that slave away doing something they hate just to get by. Our mentality in the U.S. is driven quite a bit by the fact that we are in over our heads with debt because we most likely bought things we could not afford. You will not find many new houses in Paris, Rome, or Mendoza Argentina. You do not need a new home if your neighbor just bought one that is 200 years old. The only Joneses in the world live right here in the United States. We want new stuff and we want it now. That mentality simply perpetuates our culture’s belief system.

So in planning your career, first plan your life. Decide where you want to live and what kind of lifestyle you want to have. Do not simply jump into it, but plan to pay off a lot of your debt and put controls in place to make the transition.


Write it down

February 24, 2008

I cannot express the importance of writing down your goals. Some of you may not believe that it’s as important as it actually is, but maybe this real-life study will help convince you.
A study was done with the 1953 graduating class at Yale. Researchers asked participants 3 questions:Have you set goals?Have you written [...]

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I Have Nowhere Else to Go From Here

February 23, 2008

I met with some clients who are in there mid-40s today. The wife emphatically stated that they have no savings for retirement and if they drop the asking price of their home (in a different state) they’ll be left with no equity to pay off some bills. Being “mid-life” they both felt their [...]

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Jumping back in

February 23, 2008

When you find yourself out of your routine it can be hard to imagine getting back into it. This is especially true for exercise. Going for days or weeks without getting the exercise you’re used to can lead to a pattern that cuts it out completely.
I can tell you from firsthand experience that [...]

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Making goals visual

February 22, 2008

Most people would get pretty overwhelmed by saying they’d like to lose 100 pounds, or even 50. It’s not easy to see how you can ever reach that point when you’re at the beginning.
Something that might work better for you is to set a goal to accomplish something you aren’t able to do now, [...]

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