Articles on Wealth and Prosperity Needs vs Desires The value of a dollar (part 2)
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If you seriously want to bring prosperity into your life then you will need to find
what it is within you that prevents you from receiving. Abundance is there, it is
available to you but something in your thinking has you convinced that you must
not or can not have it. There are many common misconceptions about money
which I will outline for you to consider or more importantly to inspire you to
explore your own deep seated beliefs about money.
Needs vs Desires
Most people live paycheck-to-paycheck. Have you ever wondered why your
income only ever manages to meet the barest of costs; why you never have a
cent for anything except your minimal needs? You change jobs, increase income,
take a second job or downsize your living costs, but it always ends up at ‘Even
Steven’. Have you ever noticed that if you have a little windfall it almost always
ends up coming at a time when an unexpected expense comes about?
I mentioned earlier that survival is our greatest instinct. Survival depends on
having our barest needs met. The key-word here is need. We obsess about the
things we need; focus, worry, plan, imagine, dream, budget, pray and work. Our
needs are our bottom-line. The problem here is that our needs are also our top-
line. This is understandable as our needs are our measure of survival. This also
means that meeting our needs has the greatest emotional charge. If our thoughts
are focused on need and our emotional responses are based on need then
obviously our outcome is going to be reflected by need. This is the Even Steven
phenomenon. Prosperity is not about need; prosperity is about desire. Need is
about bare minimum and desires are about abundance.
No one will ever become prosperous if they can only imagine breaking even.
Everything you know and everything you do, to meet your needs, will work just
as effectively if you apply the same principle to your desires. The thoughts,
emotions and actions which produce a bare minimum will be equally effective if
you can replace your need expectations with desire expectations.
A dollar is not a dollar.
A dollar is an agreed value between two parties. Most people make the mistake of
believing that a dollar has a set value. It does not. Remember a dollar is only a
token of value. An hour of your time and labor, or a unit of your product, will be
exchanged with anothers if both parties agree to equal value. There is a very
flexible scale here for an astute buyer or seller. People with a poverty
consciousness take everything at face value, but people with a prosperity
consciousness will challenge or negotiate value. Prosperity consciousness is not
about greed or unfairness and very definitely not about working harder or longer.
It is about making a dollars value worth more than a dollar. It’s about paying
attention and being clever.
A simple example of this might be the difference in price between a corner shop
and a supermarket. A carton of milk might cost as much as 30% more at the
corner shop. Your dollar becomes 30% more valuable if you buy from the
supermarket. Other examples are: buying products in bulk, second-hand, on sale
or out of season. Saving a dollar is exactly the same as making a dollar but oh so
much easier.
We exchange our work and our time but many people think we are exchanging
coins and numbers. Often we hand over our credit cards almost believing that
we are exchanging plastic nothing for something. Impulse buying or unconscious
buying is very, very expensive. Ask yourself questions like, “Are these shoes
worth 60 hours of my time and labour?” Imagine your boss asking you to do 60
hours over-time in exchange for a pair of shoes instead of cash. If you
experimented with this kind of questioning then you might be very surprised at
how often you would revalue your dollars.
Buying with cash will often result in a discount whereas using a credit card will
usually incur a fee and or interest. This can easily cost an additional 15% on your
exchange. Depending on how long it takes you to pay off the card it could end
up costing you double or more. Investing money in an interest bearing account is
another way of increasing a dollars value. Many people put aside 10% of their
income and reach a point in which the interest they make is greater than the
amount they deposited.
Some years ago, a friend and I decided to take an overseas holiday. We both
saved $4,000 but were unable to take the holiday. She decided to buy a new
leather lounge suite. I used my money as a deposit on an apartment worth
$80,000. She moved on and had to sell the lounge for $2,500 and is now paying
more in rent than I pay off my mortgage. The big difference is that the apartment
I bought is now worth $300,000. Talk about a dollar not being a dollar, in this
case $4,000 is worth $300,000 as opposed to my friends $4,000 being worth
$2,500.
Silver spoon or lottery win
Very few people are born into wealth. Often, when you talk about wealth, people
almost always mention winning the lottery. Some dream of becoming movie
stars or ‘being discovered and breaking into the big-time’. More than ever, we
insist that only education and executive/professional employment will guarantee
generous incomes. This is nonsense. Everyone buys something and everyone
sells something. You can be the smartest person, the most talented or the best
what-ever in the world, but if you don’t know how to sell or buy then you will
probably never be wealthy. Selling and buying are about asking and receiving.
McDonalds are makers of hamburgers. Coke is just a sugar drink. Fortunes are
made by cleaners and cooks and blue collar workers and everyone else because
of these 3 things:
They Ask
They Receive
And they value their work and their dollar.
Click the NEXT button for part 3


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