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    count as a credit – no action is too big or too small. Below are a few credits that add to your life’s bottom line.

    1. Smile – not just at people you know, but especially at those you don’t

    2. Give to others without expecting anything in retur

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    It’s important from time to time that we sit down and honestly assess our lives. Doing so allows us to make an honest determination about where we are now and where we want to be in the future. When we’re assessing our finances, we prepare a financial balance sheet. On it we list our debits and credits so that we can determine our bottom line. What if you wanted to determine the state of the life you lead? How is it, or is it not, serving you? The answer is simple – prepare a Life Balance Sheet. Much like a financial balance sheet, list all of your lifestyle debits (choices that detract from balance) such as the following:

    Maintaining relationships that drain you

    Constantly whining, griping, or complaining

    Inability to say no

    Always expecting the worse

    Being ungrateful

    Unwilling to listen effectively

    Forgetting to mind your manners

    Taking others for granted

    Next list your credits – ways you live your life that support and honor you. Anything positive you count as a credit – no action is too big or too small. Below are a few credits that add to your life’s bottom line.

    1. Smile – not just at people you know, but especially at those you don’t

    2. Give to others without expecting anything in return

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    lance sheet. On it we list our debits and credits so that we can determine our bottom line. What if you wanted to determine the state of the life you lead? How is it, or is it not, serving you? The answer is simple – prepare a Life Balance Sheet. Much like a financial balance sheet, list all of your lifestyle debits (choices that detract from balance) such as the following:

    Maintaining relationships that drain you

    Constantly whining, griping, or complaining

    Inability to say no

    Always expecting the worse

    Being ungrateful

    Unwilling to listen effectively

    Forgetting to mind your manners

    Taking others for granted

    Next list your credits – ways you live your life that support and honor you. Anything positive you count as a credit – no action is too big or too small. Below are a few credits that add to your life’s bottom line.

    1. Smile – not just at people you know, but especially at those you don’t

    2. Give to others without expecting anything in retur

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    1. Train the overhead monster – delegate, organize, disconnect.You feel like nothing will run smoothly without you and the idea of letting go feels scary, but you have to do it. Your business cannot grow until you learn to let others do some of the work. Plus, it’s no fun trying t
    like a financial balance sheet, list all of your lifestyle debits (choices that detract from balance) such as the following:

    Maintaining relationships that drain you

    Constantly whining, griping, or complaining

    Inability to say no

    Always expecting the worse

    Being ungrateful

    Unwilling to listen effectively

    Forgetting to mind your manners

    Taking others for granted

    Next list your credits – ways you live your life that support and honor you. Anything positive you count as a credit – no action is too big or too small. Below are a few credits that add to your life’s bottom line.

    1. Smile – not just at people you know, but especially at those you don’t

    2. Give to others without expecting anything in retur

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    ys expecting the worse

    Being ungrateful

    Unwilling to listen effectively

    Forgetting to mind your manners

    Taking others for granted

    Next list your credits – ways you live your life that support and honor you. Anything positive you count as a credit – no action is too big or too small. Below are a few credits that add to your life’s bottom line.

    1. Smile – not just at people you know, but especially at those you don’t

    2. Give to others without expecting anything in retur

    Online Mortgage Leads Versus Direct Mail
    A debate is raging on in marketing departments around the world … should a mortgage company use direct mail or buy mortgage leads generated from the internet. Some argue the internet mortgage leads are cost effective … while others argue the direct mail workhorse is the safe bet. But the simple answer
    count as a credit – no action is too big or too small. Below are a few credits that add to your life’s bottom line.

    1. Smile – not just at people you know, but especially at those you don’t

    2. Give to others without expecting anything in return

    3. Do one thing outside of your comfort zone that improves the quality of your life

    4. Allow someone to merge into traffic – even if they didn’t wait their turn

    5. Compliment a salesperson/clerk on a job well done

    6. Use the good crystal and china other than for a holiday

    7. Be honest about what you need to be happy

    8. Read to a child

    9. Dance to your favorite music

    10. Place your neighbors’ newspaper right outside their door

    11. Call someone just to say “hello” and to see how they are doing

    12. Buy a co-worker a cup of coffee or ice cream cone

    13. Walk barefoot in the grass

    14. Tell someone “I love you”

    15. Learn one new thing every week

    16. Every day acknowledge at least one thing in life for which you are grateful

    At least once a month, create a Life Balance Sheet. Take a look at your Life Balance Sheet at least once a day. This will empower you, at a glance, to realize how wonderful life can be and allow you to make lifesty

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