It’s a New Year with probably yet another long list of resolutions. But will you actually do them? Or are you the type of person that has the best of intentions and sets goals but can never seem to get started on them, or you half-start them and never find the time or motivation to finish them?

Well don’t worry, you’re not alone! We all suffer from procrastination at some point in our life. The good news is that there is a cure. Just think “SNOW” and follow these 4 steps:

STEP 1: STOP

The reason you procrastinate is because the emotional force or feeling isn’t strong enough to propel you to take action forward. A positive feeling is being counteracted by a negative feeling, making you feel neutral, unmotivated and leaving you sitting on the fence. The problem comes when we feel guilty about it. This adds to the emotional hot pot! So the first step is to simply STOP rather than struggle.

STEP 2: NOTICE

Be observant. What is it that you’re actually avoiding? What is driving the negative emotion or feeling for the activity at hand? What are you afraid might happen? Writers are notorious procrastinators. With good intentions they’ll sit down in front of the key board, but will quickly become distracted by the pile of washing in the corner, that layer of dust on the shelves and those dishes that need washing. For writers, usually it’s the fear of not writing anything readable that stops them from writing at all. This is the counter-force. Notice what your counter-force is.

STEP 3: ORDER

When you bring order into a situation, it is incredible how it can make things feel a little simpler. So the best thing to do is to is take out a piece of paper and simply write a list of all the steps involved. The secret is to break them down into really detailed small steps (e.g., take the file off the shelf, place it on the table, open it to page 10, etc.). You’ll find yourself whizzing through your list and it’s this momentum that carries you through the rest of the task.

STEP 4: WHISTLE

Yes, you read correctly. Once you’ve written your list, simply take the first step and whistle while you work. Try it doing it now without smiling! You’ll notice that it quickly shifts your mood and makes you realize how ridiculous you’re being. It’ll help you take that all important first step, and then motivate you to move on to the next one. By taking small steps forward, before you know it you’ll have finished completely. And what’s more, you would have done it with a smile on your face too!

Finally, don’t let procrastination hold you back from reaching your goals and highest potential this year. If you’d like some extra support and inspiration to stay motivated and on track, why not sign up for my free downloadable One Big Gulp! Kit, which you will find at http://www.onebiggulp.com. Remember, it’s your life, your choice, so live your greatest life!

The feminine spirit that has been reawakened in all here on the planet, out of considerable necessity, will help heal the Earth — must be reawakened for ultimate healing of the planet. This is not about the battle of masculine and feminine where many continue to get frozen in time. It is not about war with each other. It’s about embracing the understanding of the masculine and feminine within each of you so that you can bring it as a piece of whole truth, not half-truth.

Each of you have a masculine and feminine energy in your being, and both need to be activated and brought to an equal place. If you’re doing battle with the outside masculine and feminine gender, you can assume that you are most definitely in inner conflict with yourself. You need the balance of both aspects of masculine and feminine energy, which has nothing to do with gender. It is about energy, and this is why, of course, all the confusion at this time which seems to he brought to the focus of sexuality, when that is clearly not the issue. The issue is of energy. So, when you find others about you who are angry with the opposite gender, ask them to look inside and heal, not project more isolation and separation to the outside world.

The Earth at this time and all beings who walk upon it need to be loved, need to he held, need to be held in community, in connection to Truth, not separate. It is time to bring balance, because you cannot take the next step without being in balance. You have been walking on one foot. You must be at peace –you must be balanced to take these next steps, and for those of you who have this illusion that being alone is balanced, you need to take a further, deeper look inside. You can be balanced on the inside emotionally as much as you can be, but that is only one piece or one side of the scale.

You had to learn to do the solo to understand and learn the dance. You had to learn to dance by the self so that you did not dance in dependence with another. However, one can only hold energy so long by the dance of themselves. This is nothing about relationships of the past. This is about connection to energy balances of the now, so that you’re walking Foundation and Truth, not confusion and chaos, but balance and harmony. Do not find it a coincidence that you will be touched with a new heart-opening situation, whether it be in the connection that you are already in or a further one that will come along the path. This is the new step to take you higher. This next step will lead you to your balanced and aligned partnership.

“Blessed are the young,” says Herbert Hoover, “for they shall inherit the national debt.” Debt, in whatever language or guise, is bad. But what if you’ve incurred debts and find it hard to dig yourself out of them? Does this mean you are forever disqualified from owning a home? Some would say yes. Bad credit loan mortgage rates show otherwise.

Non-Perfect Credit
Bad credit is a term related to a credit rating system. Financial institutions label you as a bad credit risk if you have missed payments, made late payments, declared bankruptcy, or insufficient funds to pay debts, or defaulted on a loan. Credit reporting agencies are not concerned whether these actions were done willingly, or were due to financial adversities. Generally, if you have bad credit, you could be denied credit, charged higher interest rates, or have more difficulty getting future loans. If you have bad credit, getting a mortgage, let alone a bad credit loan mortgage rate, is challenging.

Help When It’s Needed
While having bad credit is bad, it does not make it impossible for you to land a loan. Some companies focus on treating all of their customers as individuals, rather than just as another credit score. This is true even if one has a flawed credit history. They believe that they can find the perfect rates and terms for all individuals. These companies will try to get you a mortgage loan, even if you have experienced bankruptcy or had a foreclosure. These companies believe that by buying a house, you have already shown a degree of responsibility and achievement in life. When searching for a bad credit loan mortgage rate, these companies can help with credit approval problems, such as hard-to-prove income, an excess of existing debt, and a lack of perfect credit. Moreover, they will try to get you the best bad credit loan mortgage rate in the market.

Hidden Costs
Shopping for the best bad credit loan mortgage rate includes shopping for the best loan costs. These costs not only include the interest rate. You might also be required to deal with:

* Application fees
* Appraisal
* Broker fees
* Credit report fee
* Loan term
* Points (a point equals 1% of the amount that you borrow)
* Prepayment penalties

When you have bad credit and are applying for a mortgage loan, you are more vulnerable to inflated or phony loan costs. So, always review the costs before signing on the dotted line,

Having bad credit should not prevent you from taking out a loan mortgage. Be sure to search for the best bad credit loan mortgage rate because this will ultimately lead you to the perfect lender for you!