This was forwarded to me from the Early to Rise newsletter
published at www.earlytorise.com. I've heard the story before in church - it's a great New Year reminder to focus on things that are most important in life...


"A philosophy professor and his student stand in a warehouse. A large
tin bucket and several boxes are in front of them.

The professor picks up a box that contains large rocks, each one about
four inches in diameter, and pours them into the bucket. The stones
reach the top of the bucket, and he asks the student if it is full.

"It is," the student replies.

The professor takes another box, this one containing stones about one
inch in diameter, and pours them over the rocks in the bucket. The
smaller stones fill in the spaces between the rocks. Again, he asks
the student if the bucket is full.

The student looks and says, "It is."

The professor then pours in the contents of a third box, this one
containing small pebbles. Again, the student looks in and agrees that
the bucket is full.

Finally, the professor pours a box of sand on top of the rocks,
stones, and pebbles. And once more, for the fourth time, the student
has to acknowledge that the bucket is full.

"The lesson," the professor tells the student, "is to do the most
important thing first, and each lesser thing in order of its priority.
In this way, you will be able to fill up your life four times, instead
of just once. If you do the unimportant things first, you'll be
filling your bucket with sand... and there won't be room for anything
else."


This was forwarded to me from the Early to Rise newsletter
published at www.earlytorise.com. I picked it out as a New Year
reminder of the things that are most important in life...
 
Some thoughts:
You are not alone. We've all got immense challenges in this economy.
Everything is negotiable. Negotiate those bills away. 
Simplify sooner rather than later.  
Some things don't have quick fixes, and just have to "play out". 
But when we let go of the past, we are free to create the future. 
Give the burdens to the Lord, trust, and go forward.


Everything is Energy. Energy is Everything.
Every day, spend time on your own personal development - journal your goals, your affirmations, and your successes. 


Raise your energy levels by changing your thoughts, which will change your feelings, and give you power to change things in your physical world. 


When you're feeling down, rather than dwelling on the problem, say to yourself "Thank you for sharing", and then do something that inspires or motivates you. 

You deserve to be free of past burdens and to live in joy, peace and prosperity. It begins with changing your inner thought patterns and beliefs about what's possible.


We have found we can feel happy despite the worldly cares.
Love and prayers... Jo Lyn
 
The most powerful way to change your life is to change your thoughts.  You have control over your thoughts... and when you change your thoughts, your change your perception.  Change your perception about your life experiences, and your feelings and attitudes change also. Change those - and voila! You've just changed your life.
 
You can get your own credit report from each of the three credit reporting agencies once per year.  Professionals recommend you get one at a time, rotating the agencies, so you are checking your report every 4 months for accuracy.  Go to www.annualcreditreport.com for your free report.

The FICO score is not included in your free report.  You can expect a charge of up to $50 for the FICO score, which is the three digit number that is used to judge your credit worthiness.  

Credit scores are often used to evaluate the risk of doing business with you in the areas of purchases, housing, employment and insurance.  

If you are an entrepreneur, consider getting credit in the name of your company.