How many years now has starting your own business been one of your New Year’s Resolutions? I will bet that you have often thought about how to start a business for a while now. The question to ask yourself is if there is a secret to How to start new business today and make lots of money. Research shows that many successful business owners have two common traits that help achieve their success: one is keeping a positive, the can-do attitude and the second is having a driving determination toward achieving specific goals.

There really is no reason why we can’t all have these traits and it doesn’t have to cost us a lot of money to achieve our goals. Actually, the toughest step was just making the first step towards starting a business!

There is high chances of starting a new business without lots of money. We are often caught up with the daily situations we find ourselves in, and we sometimes see no possible way to start a business of our own. Maybe you are broke or jobless with barely enough money to survive, let alone to start a business. You might be a single parent raising your family all by yourself. It is easy to procrastinate constantly telling yourself one excuse or another such that you never start a business.

It is easy to think that those people who have achieved success, must have had boatloads of money to start a business with and that they knew all the right people. This is on the contrary most of the times. Most business owners will testify that they just worked hard to make their business a success. Success usually stems from lots of hard work and continuing towards their goals through some adversity. You should be focused on something.

As the saying goes, you become what you think about all of the time. But if you focus only on where you DO NOT want to go, you will end up there. So work on training yourself to think positive thoughts and your dreams a little…before long, you may actually get to where you WANT to be! If you constantly tell yourself that you can be a success, you can make lots of money doing what you love. Your mind will find a way to make it happen.

When you’re deciding about what kind of business you want to start, give some thought about what it is you love to do or would like to learn more about. You should not focus on business just because you are told about all the money you could make. Try looking at what you enjoy doing or already have experience in. Or what are you already naturally gifted at doing.



What is debt? For me, there is no one single definition that could explain the true meaning of debt. Sure enough we could go by the dictionary meaning of owing something to someone but looking at it more keenly, debt goes beyond the casual i owe you and need to pay up kind of situation. Debts have been the cause of relationship break ups, murders, suicides, crimes of violence, drug addiction, depression, poverty, rivalry and diseases.

Sometimes we find ourselves creating debts to pay up other debts. It is the typical robbing Peter to pay Paul kind of situation. So don’t be surprised when you ask me what is debt and i tell you that debts are like drugs because once you start having them, they just never want to end. Today you use marijuana, tomorrow it is cocaine and the next day you are on crystal meth. Same story with debts; today you have a financial debt, tomorrow it’s an emotional debt and the next day it is a medical debt. With drugs, each new drug you use has worse effects than the last and i need not say that a new debt is worse than an old one.

In other situations, debts drain us of our everything; financially, emotionally, physically and even mentally. So when we ask what is debt, I can tell you that debt is a parasite and just like a parasite drains everything from its host, debts mercilessly take everything we got. Like parasites, debts have no emotions such that at one point they will let you breathe for a while. Two years ago, a man was living the American dream, living life on the fast lane. He was driving in fancy cars, wore fancy clothing, ate in fancy restaurants and traveled to all the states we read about in books but two years down the line and he is living in the basement of his mother’s apartment in Texas. Why? Because the parasite didn’t spare him even a penny.

What is debt?

Debt is a separator. It comes between us and those closest to us. I have witnessed family break ups and crumbling marriages because of debts. Funny how the sweetest things in life never seem to last for long no matter how bad we want them to. Her name was Joy ad everyone had agreed that just like her name, she would have a joyous marriage fl of bliss and happiness but the separator had a different plan all together. When she had accumulated debts and her husbands couldn’t take it, he left roses on their doorstep with a note saying that he couldn’t take it anymore. The other one was Stacy who took a loan from her father in law. She was certain that she would pay up in time but her broken marriage is there to prove that she might have overstayed a little too much.

What is debt?

We need not torment our brains looking for the perfect answer because the media has shown us that debt is a murderer. How many times have we switched on the television or read in the newspapers that people have committed suicide because they couldn’t clear their debts on time. When I was eight, i watched them kill my father because he couldn’t pay up the fifty dollars he owed. I was under the dinning table but i still saw how they beat him up like a common criminal. I would have screamed except that daddy had warned me before their arrival not to make a sound.

For countless nights, i sat coiled on my bed asking myself what is debt until the answer came looking for me. Debt is a liar and a backstabber. It will tell you that everything will be okay in due course that you needn’t worry about the distant future but the debts soon turn on you like a vampire. The story of Sarah Jameson was all over social media about how she loved a boy and left her family for him. She knew or thought she knew this guy until she actually knew him but by then it was too late. She had spent a lot of his cash and debt had told her it was okay since he was her boyfriend but with a butchered up body of Sarah floating on the Mississippi and a tattoo on her hand saying “she couldn’t pay it up” i think it is safe to say that debt is a cheat.

All these explanations of debt, however can’t explain why a born again christian girl started doing drugs all of a sudden because she couldn’t overcome guilt of a debt she supposedly owed. Saddest pat of the story is that it was not money or property she owed, instead she felt that she owed God for having given into the temptation of fornication. So in this scenario when i ask what is debt, i think debt is a mental disorder. It may not be in my position to judge but a sin such as fornication could surely be forgiven by repentance but since the mental disorder took over a young girl’s mind I think that debt loosens some nuts in people’s brains. That is why a formerly sane person could run mad without notice all because of a debt.

However, i cannot go on criticizing debt because it has a bright side to it. Many business opportunities have been founded by debts, many relationships were brought together by debts and many successes have been made based on debts. My grandma for instance met my grandpa because of depths. Even these elderly people do have fascinating stories about their meetings. Apparently my grandpa paid out a debt that grandma owed and that was the beginning of a relationship that would eventually bring forth my mother and I. So in truth, sometimes when people ask what debt is, we should raise our chins and say that debt, like a cord, unites.

I could use all the nouns and adjectives to describe debt but i could sum it all up in a two words; debt is a friendly monster.

Exercise: my muscles are frickin sore!

Wow. A little exercise really does wonders. I mean seriously, I can’t believe how I feel! I had upped my exercise regime from sloth (very little exercise which got my heart pumping) to being a little more serious this week and already I have: more energy, a more positive outlook, and the the ability to deal with stress better. What the hell, I knew all that but liked to ignore it.

What I am doing is P90X which I borrowed from a friend. This means I am trying to stick to the exercise regime of about an hour a day. My muscles are pretty sore right now but I am pushing forward as best I can. I couldn’t really even finish yesterdays workout which was a lot of jumping around (I think I looked pretty silly). I also have to work it around my son interrupting a lot which makes it interesting.

I started 2 days ago and have been finding my evenings much easier. I actually have energy in the evenings to do things rather than being completely exhausted lying on the couch. I also crave my evening glass of wine less, another good thing. Instead of putting my butt on the couch never to move again as soon as the boy is asleep I had the energy to do the dishes and even mow our tiny front lawn.

So my former exercise of a 40 min. walk 3 times a week wasn’t cutting it. Darn. Still have to do the dog walks, but also now need to focus on my health too. Am determined to feel at least a little better about myself in a bathing suit this year. And losing that last 10 pounds from baby wouldn’t hurt either. I won’t get into size 4 jeans anytime soon (this directed at my skinny sister in law) which I am ok with, I just want to feel good in my clothes again.

Sigh.. the drama

I agreed to do some contract work for the person I had quit (not successfully apparently) on last month. I suck, I can’t say no easily. Already I swear my blood pressure has soared and I am pulling out my hair on a Friday evening over a bunch of emails trying to schedule a meeting. The final result (without my input in the end because I wasn’t monitoring my emails closely enough) was 7:30 am next week.

Anyone with a toddler and working husband who leaves for work at 6:30 am knows this isn’t going to work. Really? A meeting with a toddler in the background. Oh the joys of working from home. I have no daycare at that time of morning, my parents live an hour away, it just is, well to be childish, stupid.

Thank god for wine, it is making my heart slow down and my feelings of calmness return at least a little.

Cost of the Bucket (moment)

I said in the last post that the cost of going to an NHL Hockey Game in the Semi Finals was priceless, and we all know it isn’t. Since we are in debt, it was foolish I’ll admit it.

And yet my regret is assuaged by how fabulous time I had, so I guess I had better buckle down for awhile.

Here is the cost:
Tickets: $366

Ferry: $ 150

Food: $100

Hotel: $120 (this was an unexpected cost- we thought there was a late ferry on Sat., but it doesn’t run on that night we found out!)

Total: $736

Bucket List Moment: NHL Hockey Game Live

(Just a side note but I am writing this on a gorgeous sunny afternoon in a parking lot overlooking the ocean while my son sleeps in the back of our car – what bliss, it is like my own ocean front hang out!)

Two weeks ago I had a Bucket List Moment. Now I don’t have a Bucket List so really what I am saying is I was doing something really cool I always wanted to do. And it turns out I am pretty pleased I got to do it at least once in this life.

I was standing beside my husband at a Canucks hockey game (Canucks vs Nashville Predators Game 5) waving a white towel and screaming my lungs out, and I had this realization that I had wanted to do this for a long time. I have wanted to be in the arena waving a white towel pretty much from the second I saw the crowd doing this on tv for the first time at a Canucks Game in 1982. Roger Neilson, then Coach of the Canucks, started the tradition by waving a white towel on a hockey stick in mock surrender, protesting over the calls the refs were making. So yes, the towel waving thing that everyone seems to do now (but not very well Nashville! Really? Orange towels, get with the program!), was started by the Canucks.

I absolutely loved the game even though the Canucks lost. They won the series in the next game, but it would have been nice for a win while we were there. The whole atmosphere and friendliness of the crowd was over the top, and not something I experience regularly. My husband, as a die hard Canucks fan, was in absolute heaven to be there, and I was thrilled to be with him. We sloshed our beers about, ate over-price food, lept to our feet at every goal and chanted Go Canucks Go as loud as we could.

Semi-final tickets were not cheap. I got them on Ebay for less than the official NHL resale site. But everyone asks, how much were the tickets? Guess what? Expensive. The overnight trip was expensive but I am not going to ruin the moment by telling you how much on this post.

Joy comes in unexpected places I tell ya, and when it is something that is a treat, something I will remember for the rest of my life, something unexpectedly momentus for myself and my relationship with my sweetheart, it is priceless.

Ta Da! 1 Credit Card Cancelled!

Oh yes baby I did it! I called and cancelled Credit Card 1 of 3, MBNA Mastercard. They tried to get me to stay, transferred me to the super duper nice people who try and do almost anything to get you to stay on with them. They told me they had recently offered to reduce my rate to 6.9%, and that I would not get such a good offer with them if I cancelled. They buttered me up big time.

I could here that little debt voice in the back of my head whispering “Doooooo iiiiit” go ahead, justify a new big screen tv. Dooooooo iiiiiiit. But the other voice in my head is stronger these days, and I am happier hearing the voice of reason again. The voice who is telling me to save, pay off debt, invest. I like her better, she is the old me, and I want her back. She never never ever had more than one, responsibly used credit card. I can see her down the road, but she is still a little ways off. Hello stranger! I am coming!