=o=o=o=o=o=o=o= PEBBLE =o=o=o=o=o=o=o=o
The secret to having it all is believing that you do.
-original source unknown, submitted by Sharman <email@example.com>
=o=o=o=o=o=o=o= BOULDER =o=o=o=o=o=o=o
The happiest people
-original source unknown, submitted by Sarah <firstname.lastname@example.org>
=o=o=o=o=o=o=o= PONDER =o=o=o=o=o=o=o=o
I spent a few days last week in Indiana on the campus of IUPUI. In a
few of my presentations, we discussed that despite living in a
country with only 1% of the world’s population and 98% of the world’s
wealth, many of us still feel like we don’t have ENOUGH! I believe
this feeling evolves from our pattern of spending beyond what we
make. The average American spends 10% beyond their income: someone
with $10,000 annual income spends like they make $11,000, and someone
at the $100,000 level spends as though they earn $110,000. That
means pay raises and job promotions usually don’t bring satisfaction,
they bring more longing and even more debt!
If you’re caught up in this cycle, I dare you to press STOP and
change your habits to create a budget as though you make 10% LESS
than what you do. The sense of having extra at the end of the month
creates a feeling of WEALTH even if you make less money than Bill
p.s. Next week I’ll be sharing details from my commencement speech &
how you can easily peek at the over 330 responses I received from
eRipples readers! Send good vibes toward Buffalo!