Your Mindset May Determine Your Bank Account and Total Wellness
I was watching Extreme Home Makeover “The Gibbs family” when I was overtaken by emotion. Six kids raised by a mom who suffered 5 brain aneurysms 6 months after her husband passed away. The house was falling down with ceilings that were rotted, flies everywhere, and 2 of the kids had to sleep on the coaches. It was a visual picture of poverty that made me cry for 20 minutes.
Then, Wednesday I was driving to work and there was a kid pushing a kid in a stroller. The taller, maybe 15 years old, was in a dirty jacket, old shoes and filthy pants and toddler being pushed in the stroller had 3 days worth of dirt and food on her face, one shoe missing, and an old coat. Now I know poverty doesn’t always look dirty but sadly, this isn’t uncommon in my town of less than 12,000 people. There are 4,000 living in poverty. The behavior, appearance, and attitudes of poverty mentality is all over. Rude language and manners, apathy, violence, destruction, lack of respect for authority, lack of respect for education, lack of respect of property, and dishonor.
Now saying that… I myself have lived in poverty. Even when I started earning 2 times the amount of the average person, I still lived with poverty mentalities of no respect for my property, spending more than I earned, and relying on someone else or system to fix it. (MY Credit Cards)
Even though I have made a lot of progress, I still have a ways to go. As we go into another year I think it is important for all of us to check ourselves for Poverty Roots and if you have a passion for helping those in Poverty, I encourage you not only to work on yourself, but also read the rest of the blog and tell us what you think of my opinion.
What does living in poverty financially look like? In my town for a family of 3, it is $18,310 a year. Let’s think about that? If a mom has kids and stays home to watch them and the dad works to pay rent, utilities, transportation, groceries, insurance and any other necessities that is only about $1,525 a month…. that is about $9 an hour working 40 hours a week at a minimum wage job or $12 an hour working a “Part Time Walmart job” of about 30 hours a week.
Could someone survive with that minimum standard? Let’s See
Here are some stats for my town of about what things cost (conservative estimates):
Rent (2 bedroom apartment): $500
Transportation (cheap car payment and gas): $250
Car Insurance: $75
Groceries: $250
Utilities: $125
Health Care Insurance: $300 (low estimate)
Miscellaneous: $50
= $1550 Therefore, this family would fall short of the minimum of $25 every month as long as they don’t buy anything else and nothing else happens that requires money.
But I know what you are thinking already! You are saying, “Mary, you know as well as I do that most people living in poverty get public assistance”. Yes you are correct, but let’s talk about Assistance THE GOOD AND THE BAD.
Housing assistance – People need shelter especially in my town where it snows 8 months of the year.
Downside – Accountability of care and who lives in the homes is limited. Most of the time either landlords don’t put any effort into making the homes clean and comfortable or the tenants dirty and destroy the property. (My opinion, remember)
Food assistance – Food Stamps, Food Pantries, Food Banks Women and Infant Food and Formula all important and needed. Hunger is still a problem especially in children here and all over the world.
Downside – Fresh foods are very rare at food banks, which contain the highest nutrition content and for Food Stamps assistance, there is no regulation of what foods you can or should buy. The cashiers at our local grocery store inform me that I would get sick watching kids and adults with food stamps purchasing Monster Energy Drinks and carts full of junk food. Did you know that Bakeries can even take food stamps. A local Buffalo, NY Bakery makes $100 birthday cakes for individuals who pay in food stamps. Our Women and Infant food program limits what formulas they disperse so if a baby requires a certain brand because of digestive complaints the woman will have to pay for it. Sadly our local food stamp system is abused further when those incarcerated and fed 3 square meals a day are still accumulating food stamp credits. One local man was able to use over $1000 dollars of food stamps when he was released from 100 days in jail.
Money assistance – I don’t know all the facts of our local Department of Social Services but I do know they have benefits for emergencies, babysitting, rent etc.
Downside- Don’t know a lot, but recently an 18 year old unstable new mom who had a stable home with her mother, and who was assisting in the care of her child, decided she would much rather go live in an apartment with her boyfriend. 2 months later because of the money assistance they get, she lives in a small apartment with her boyfriend receiving almost $1300 in money, housing and food assistance.
My good friend who is single and works her butt off in a home business 20 hours a week and working a 20 hours a week job makes $35,000 a year and complained to me that the store employees earn more than her a year with their government assistance and food stamps and just working 15 hours a week for minimum wage and having several kids. The comment made by these women were “why would we want to work more when the government has provided nicely for us…”
I was on government assistance for a short period of my life… and I admit, I did once buy almost $80 dollars on a birthday cake and junk food for a party I had. I admit it. But there was a greater part of me that wanted to be done with that, that was ashamed but even more, wanted to have something greater for my life.
This year I got to work with 3 individuals in serious poverty. One young 21 year old man who had been in and out of correctional institutions since he was 14 years of age. The others were a 50 year old mom and her 15 year old daughter who had such bad financial skills that they had moved over 30 times, including shelters, in her daughters lifetime. The mom was obsessed with her appearance and was proud of the fact she was still stripping at a local strip club every week.
After many conversations with these individuals I learned that it is the MINDSET that needs to be changed starting in the youth if we are to change our community.
Making Assistance programs stricter with drug testing and more accountable is very important, but until we change the MINDSET of the individuals we cannot change their outcomes.
My husband grew up in poverty and yet he is one of the most successful people I know. Why? Because his mom instilled a strong work ethic, responsibility, honor, and God into his heart. Although she qualified, she could not use public assistance because it was shameful to her. So later in Jay’s life when he was very, very poor, he would eat people’s 8 day leftovers and crackers, walk 10 miles to work, do extra jobs to just keep his head above water. Today he is an IT Analyst and owns two Small Businesses.
Working with these individuals this summer, I learned that both the 21 year old and the 15 year old were spoiled as children. The 15 year olds mom didn’t have money but she gave into her every whim. Today you can still see her throwing a tantrum at 15 and the 50 year old acting like her sister and not her mom. These two have a mindset of ME mentality and an I Deserve it Mentality which ultimately I believe will lead to their destruction.
But the biggest thing I learned from these individuals this summer besides how not to raise children was that if we want to change our community, if we want to change Poverty, we have to change the MINDSET more than their Bank Account.
How can we change Mindsets about Poverty? Well I do believe some Community organizations are on the right paths. They are starting with young children and youths to instill compassion, encouragement, and skills that will let them rise up.
If you want to see some examples of this, take 40 minutes and watch this Secret Millionaire show with my friend Dani Johnson. I especially liked the Music Program for youth in poverty.
Let me know how you think we can change Poverty. Please your comment below. Thank you for reading to my opinion.
Dr. Mary Starr Carter is known as the Total Wellness Doc. She has been training individuals about Natural Health Solutions for over 13 years. She is trained as a Chiropractor and has studied under the world’s foremost leaders in natural medicine. She is a mother and a wife and has created a balanced and total wellness life for herself and thousands of her clients using her simple wholistic approach to health and wellness. Her coaching, classes and ebooks help clients with Fibromyalgia, Hormone and Adrenal issues, Asthma, Diabetes, Weight problems, Thyroid and Chronic pain find resources and solutions to better health.
We publish newsletters and blogposts twice a week for our readers for general education purposes only. We cover topics that are related to achieving and maintaining total wellness which includes our emotional, physical, spiritual and financial health.
How to Raise Responsible Children with Clear Boundaries in an Entitlement Era
Can indulging too much and giving too much spoil our children? We know there is not a complete parenting manual out there in the marketplace today. Sometimes parents follow the steps in a parenting book and still find it frustrating to have failed in some areas. Me too.
With modern conveniences, busy lifestyles, overscheduled children and demands from every area…are we aware of what is important? How can we cut through the noise and distractions and focus on raising responsible children who know their boundaries? Establishing boundaries that encourage and promote freedom to be who they are designed to be?
When my daughter was four, I brought her to a dance studio against her will. Then she turned five, I sent her for piano lessons because almost everyone was doing that. When she was seven, it was time for violin. The ‘well-intended’ activities turn into family feuds when the ‘good daughter’ would not practice or hated piano and violin.
In frustration I yelled across the soccer field to my husband, “Look, she is just standing at the soccer field, not kicking the ball!” We have come a long way, in fact seven years of ‘remodeling our parenting skills’. Through mistakes and many frustrations, we have enforced certain rules upon ourselves (the parents) and now the children are less scheduled and are very much growing in the way they should go….
Realize parenting is about our own personal growth, boundaries and our own lifestyle. After all, children look up to us and are modeling what we are doing. Now, we believe in parenting like a mentor, a coach who does the very things expected from the children. Now we have authority, as we model and live life with honesty and boundaries…raw in front of our children.
These are seven ways we are teaching responsibilities and boundaries:
1. Learn to do things on your own. We can show you once or twice. Then you have to take over and do it yourself. There is a difference between a close relationship with my children and dependency. They are to do assigned housework and clean their bathrooms. “Live with your own trash if you want to” philosophy. I don’t want an adult child that depends on me to provide or do certain things for them.
2. Learn that life is not a bed of roses. Life can be difficult and has obstacles. I share with them the obstacles I’m facing and how certain things that were expected did not turn out the way I wanted.
3. Learn to cope with disappointment, struggles and unhappy situation. Life is not always a happy time and easy time. However, we can command our soul to be happy and cope with the disappointment.
4. Learn to work and move forward. We are made to work, for nothing will drop from the sky. Nice things cost money to buy. You need to make the money to support the lifestyle you want. There is a big difference between a Bugatti and a Toyota made car.
5. Know there are consequences to everything. There is no bailing out in our family when enough warnings are given about the consequences of certain actions or behavior.
6. Curb the need for immediate gratification. With lots of conveniences it is easy to feed ourselves and get immediate gratification for almost anything. They are told the difference between convenient food and food made from scratch.
7. Our children want to be treated well and respected. They are watching us. Do we respect spouse, friends, co-workers, and ourselves and ultimately do we respect them?
I believe the English idiom the apple never falls far from the tree says a lot about parenting responsible children. The bible says train up a child in the way he should go, and when he is old he will not depart from it (Proverbs 22:6).
This year, what words are you speaking over yourselves and your children? Questions to help us move forward:
1. Do we have an entitlement mentality? For example, I deserve to have a healthy body without putting some work in getting nutritional food into my body.
2. Do you procrastinate on projects? For example, are you still waiting for the right time to get a home business going. There is no perfect or right time. The time is now.
3. Are you waiting for the government to make your life better? For example, you are waiting for a pay raise and you have not increased your skills for the last 20 years. You are using the same skill 19 times over without new skills.
If the answers are yes, we need a change. Do you have children that have similar traits as the three illustrations above? I am still learning and growing in these areas and making sure I follow through. To raise responsible kids, I have to be a responsible adult.
To have a healthy body, I put clear boundaries to differentiate between the good nutritional food and supplements and the bad. Please leave us a comment below. We would like to hear from you.
Claudia Looi is a copywriter, travel and web content writer. She’s dedicated herself to helping entrepreneurs create their online presence with email campaign, sales page and web content. A writer and traveler who has lived and worked in Kuala Lumpur, Auckland and New York in the travel industry for over 12 years and has had the luxury of traveling to almost 30 countries. Currently, her works include writing for tour operators, hotels, real estate, wellness and immigration consulting industries. When not working, you will find her reading or planning her next family trip with her husband and two teens.
An Exercise to Help You Review Your Year
This is the last week of the year and it is a great time to reflect on 2011. This exercise might take a few hours, a few days, or even an entire week but it will be worth it. This exercise has helped me and many others move from just so so happy with our lives or marriages to creating lives we only dreamed of. So are you ready?
First thing:
Turn off the TV, get away from distractions and get out your calendar or planner and starting with January you write down some of the highlights, special events, things that you learned, ways you grew, life lessons etc. Go week by week, month by month moving closer to the end of the year.
Second Thing:
Now that you have everything written down go back and highlight the real important things of your year. The things that really stick out to you.
Third Thing:
Now it’s gratitude time. With another highlighter or you may even re-write them out highlight or mark everything you are grateful for. Remember even life’s hard lessons always have a purpose.
Now for some of us, we may really need to spend a lot of time in gratitude. Reviewing looking at our accomplishments, sharing them with others who are good listeners or friends and basking in this peaceful place for a few days or the rest of the week. When you feel really GRATEFUL for your year (not just part of it but ALL OF IT) then you can move forward.
After you have gone through your year, focused on what you are grateful for now it’s time to take a hard look at your development and growth. They say if you are not growing your rotting. I don’t know about you but I don’t like to rot.
Fourth Thing:
What new things did you try or skills did you develop with your parenting, marriage, job, or business? Did you give it your best shot? Are you still working on those things? Are you still doing the same techniques and tools you did 3 years ago or 2 relationships ago and they just aren’t working? I know change is difficult but right now you need to know if what you are doing has been productive, positive, or beneficial to you.
Remember sometimes change can be subtle. We all want instant gratification. We want to start a new way of eating, parenting, doing our business, or thinking and have instant results. Give yourself a break if you didn’t see dramatic results. Do you still feel you are moving forward? Most growth and change comes from consistent work, changing our thinking and speaking patterns, and getting to the roots of what caused our problems in the first place.
Okay that’s enough for this week. Next month we will have some more good content on techniques and tools to help you improve your health and happiness in all areas of your life.
Remember if you don’t take a good look at your year you may end up spending this next year learning the same lessons, not seeing the positive, not being grateful and worst of all being in a rut for 2012. I don’t want that for you or me.
I believe you can have the best year of your life. It will take some work but I am here for you and we can work together to bring Total Wellness to 2012 in all areas of your life! Please leave your comment below.
Dr. Mary Starr Carter is known as the Total Wellness Doc. She has been training individuals about Natural Health Solutions for over 13 years. She is trained as a Chiropractor and has studied under the world’s foremost leaders in natural medicine. She is a mother and a wife and has created a balanced and total wellness life for herself and thousands of her clients using her simple wholistic approach to health and wellness. Her coaching, classes and ebooks help clients with Fibromyalgia, Hormone and Adrenal issues, Asthma, Diabetes, Weight problems, Thyroid and Chronic pain find resources and solutions to better health.
We publish newsletters and blogposts twice a week for our readers for general education purposes only. We cover topics that are related to achieving and maintaining total wellness which includes our emotional, physical, spiritual and financial health.
How To Achieve Total Wellness Through Simplicity
How To Achieve Total Wellness Through Simplicity
Sometimes it takes a catastrophic experience to make us realize what is important in life. Life is actually not so complicated if we see it with a different pair of eyes.
I was raised in simplicity. Our home was just the usual table, chairs and some necessities. There were no clutter and fancy things. But I changed.
Soon the house of simple became a house full of things to sell when it was time to move. The $15 Pooh bear was worth $1 in our moving sale, the $20 table lamp was on the curb to be picked up by a passerby or the garbage man. Some big items and random things were sent to Goodwill.
When I did the calculations, those knick knacks were worth thousands of dollars and hundreds of hours shopping and hunting. Most were worth close to nothing at the moving sale.
Did I learn after the move? Not really…
After moving to Florida, instead of accumulating knick knacks, I started accumulating real estate since the crowds were doing so. News of so-and-so just made $35,000 flipping a house without money down and another was making a ‘killer deal’ in Arizona. With a little coaching from a guru, I did my due diligence and went for the ‘killer deal’ as well.
2008 came…
I was sitting with a few hundred hungry men and women in Pittsburgh listening to a millionaire, who once was homeless and had $2.03 to her name. She said, “The majority is always wrong. Go the opposite direction… (Paraphrased)”.
Here is a millionaire, living a simple lifestyle, traded her big mansion for a cookie cutter home and discovered her destiny. She was on a quest to help set free those who were in debt and to live a life of freedom.
Something changed inside of me…
I was on a quest to simplify my life to achieve total wellness since that day.
Here are 5 tips to help simplify your life:
1. Know who you are and your purpose in life. Once I discovered my purpose in life, things do not appeal to me any longer. I started journaling and discovering myself. I went deep into my inner core and faced myself. It is not pretty sometimes but if we want to know who we are and our purpose, we have to go to the secret places and deal with our feelings, insecurities and desires. I know God has a plan for me and I set out to discover and let him take control while I did the work.
2. Write it down and set a budget. I’m sure you have heard that “B” word all the time in financial advisor books or websites. I used to hate that word when my husband mentioned it. It felt restrictive and overwhelming. But, I am a recovered shopaholic and know the freedom of setting a budget and tracking all expenditures. I keep a list of things to buy even for the grocery shopping. No more seven different breakfast items in my pantry and four different frozen breakfast items.
3. Have your spouse and children on the same quest. Sometimes your spouse or children may not agree with your new way of living. I believe in living by example. If we show up with a great attitude and live the life we set out to live and do the things we said we are going to do…these are more powerful than words. Nothing is more fulfilling than having your family members agreeing with your quest to simplify your lifestyle and home.
4. See the needs of others. We live in a blessed nation. Despite the news about the economy, we have plenty compared to some of our brothers and sisters across the globe. With a heart of gratitude and eyes that see beyond ourselves and giving to charitable organizations, we may gain different outlooks on our things. In my travels, I’ve seen and experienced lavish lifestyle and also seen the impoverished. With careful planning and giving, we can see the fruits of our giving and may be motivated to help the needy instead of buying stuff that don’t add value to us.
5. Surround yourself with like-minded people. Keeping up with the Joneses will not bring fulfillment. This phrase never existed until the 70s. But that does not mean our grandparents or parents were any different when it came to wanting to be accepted by their peers or keeping up with their peers. If our peers are not supporting our new lifestyle, we need to hang-out with a different group. Read motivational books that can keep you on track with your chosen lifestyle.
The word ‘simplicity’ is defined as the quality or condition of being easy to understand or do…unpretentiousness and naturalness (Dictionary.com).
It encompasses our mind, body and soul, which is our whole being. I discovered once we took control of our spending and set boundaries with our money, it set me free to look deep into myself and take proper actions to improve my total being, thus total wellness.
As I am still learning the art of simplicity, I am selling my home, putting a lot of great ‘stuff’ on eBay for sale and cleaning up every room including the garage. My house is less cluttered and creativity flows.
The Chinese believes in Feng Shui….which to me means an uncluttered life and not too much ‘stuff’ which may bring obstructions to the flow of energies in our home.
Can you envision an uncluttered lifestyle….simplicity may not be for everyone. It does not mean not having stuff you like and enjoy. It means instead of having five, settle for one. That is my way of achieving total wellness, freedom and increasing creativity in my work and maintaining stronger mind, body and soul. To top it up, I am a user of Young Living Essential Oils and a Ningxia Red drinker. I believe in investing into my skills and journeying through life with a mentor in health, life and business.
I wish you well…Please leave your comment below. We love to hear from you.
Claudia Looi is a copywriter, travel, web content writer and manages blogs for several businesses. She has lived and worked in Kuala Lumpur, Auckland and New York in the travel industry for over 12 years and has had the luxury of traveling to almost 30 countries. Currently, her works include writing for tour operators, hotels, real estate, wellness and immigration consulting companies. When not working, you will find her reading or planning her next family trip with her husband and two teens. You can find her at Travel Writing Pro. Feel free to download her free report on How to Live Out of Your Suitcase for a WEEK!
Dealing with the Stressors of the Holidays
Dealing with the Stressors of the Holidays
Dr. Mary Starr Carter
In 2004 a survey by the American Psychological Association discovered that the
Top 4 Stressors of the Holidays include:
61% Lack of Money
42% Pressures of Gift Giving
34% Lack of Time
23% Credit Card Debt
Now as it is 2011 and we have gone through several economical crisis I can imagine this is a lot worse.
Lack of Money, Pressures of Gift Giving, Credit Card Debt
There has been many a year that my husband and I got each other nothing for Christmas simply because we could not afford it. But truly some of my best memories came from those years.
Know what you can afford and what you can’t
By planning months in advance, setting money aside or planning a budget you will cut down on the stress. Don’t budge on your budget no matter how cute that dress would be for your grand daughter.
I love my nieces and nephews but everything I have ever gotten them has been destroyed, lost, or forgotten in about 3 months. So I stopped getting them things. I know this was probably not the best way to do it, but I don’t get gifts for Christmas, Holidays, or Birthdays. Rather than spend 20-30 dollars 2 times a year I would rather invest that money and give it to them when there is a greater need like a new home, a school investment or an investment in their skill development (this isn’t always college). I know my family and friends were a little ticked off at first, but had I had to do it over again I would say __________ Jay and I have decided that instead of getting you lots of little things that some day when you are bigger and have proven yourself to be responsible with money we will invest to help you in your life.
Just think if you are having to buy gifts on credit at say 18% interest you are not only going to save on the $20 dollar gift but on average another $6 dollars on top of that. If you have 6 nieces and nephews then you are saving close to $50 in interest. (Based on the average debt payoff schedule of 4.5 months)
Young children really don’t need anything new unless it is a necessity. This year my husband and I won’t purchase anything for our 20-month-old son except a memorable ornament we will do each year of his life. We got some hand me down toys and have requested our family (really my mom who has a tendency to go overboard) to get recycled or second hand gifts. Kids grow out of clothes and toys so why not re-use and recycle. Did you know the textile industry is the 3rd leading polluter of our world?
In bigger families talk about a Secret Santa with a spending limit, and gift request. Everyone puts on paper what there name and a gift they want that is approximately that spending limit. Not only will you save money not having to buy for everyone but you also will have a gift you actually want.
Lack of Time
This is my favorite subject to talk to others about because I am a very busy businesswoman and mom but I have learned to prioritize the important things and delegate the things that make me unhappy. This year I asked my husband to give me 3 gifts my carpets cleaned, my cellar organized, and my blender fixed. Now he is very busy too, so I asked him to delegate. For less than $300 dollars we not only are getting all that stuff done but our entire house cleaned too. WAHOOO!!! Someone needed money for Christmas and we needed help.
Ask for help. You may have an elderly aunt who might help make cookies for you, or watch your kids for free. Or you can find a friend or family member who needs some extra Christmas money and pay them to help you. Delegation is sooooooo wonderful. It takes loads off your shoulders if done right.
Also make sure you don’t plan too much during the holidays. If you have a blended family you can always celebrate your Christmas on another date. Dragging your kids all over isn’t fun for them. Believe me. Make it a Christmas week where you go to visit a different family member each day, spend quality time with them when you are with them, and celebrate your Christmas together on any day.
Dealing with Conflict
I don’t think there is any family who doesn’t have conflict at the holidays. But how you deal with it cannot only relieve stress for you but for everyone. Here are some examples.
Jessica has an estranged daughter that only comes around during the holidays. Her daughter thinks that Christmas is an invitation to eat all the food and demand the most gifts for her children. The daughter doesn’t have transportation so Jessica and her husband have to go get the kids in two separate trips because the girls are so big. It finally got to the point that their presence was ruining everyone else’s holiday. So Jessica decided what she could do and what she couldn’t. She purchased gifts and a Christmas dinner for her daughter brings it to them in the early afternoon stays to spend time with the family and then leaves to go enjoy her Holiday IN PEACE.
Sarah has a son in law who makes everyone want to get up and leave the dinner table when he starts talking politics. He gets everyone so heated that people literally will walk out. Although a quiet and reserved woman Sarah sat down with her son in law and told him that he was not allowed to talk politics and some other subjects in her home. She loved him but this was not time for that. He honored her request mostly and the holidays have been special ever since.
Lastly there will always be son in laws who don’t listen, uncles who drink too much and people who put their foot in their mouth. You may not be able to control them but you can control how you respond.
And my last hint for you on Stressful family events are to make sure you are oiled up with your Peace and Calming and Stress Away. Inhale them frequently during those times and see how your body just relaxes even amongst the angst and chaos around you.
Take time for yourself
The Christmas holiday should always include a time for you. Take a half-day to pamper you.
Ask a friend, spouse, parent or in law who normally get’s you a gift and watches your children to give you that gift this year. Say
“ __________ What I really would like for Christmas this year is a day to myself. I know this may be a bit forward but instead of getting me a gift this year would you mind taking the kids for the day so I can relax by myself.”
Some of you may have to force yourself to do this, but it is important to take time for you!
God Bless your Holiday Season. Make a happy, healthy and the least stressful year yet! Please leave your comment below. We love to hear from you.
Dr. Mary Starr Carter is known as the Total Wellness Doc. She has been training individuals about Natural Health Solutions for over 13 years. She is trained as a Chiropractor and has studied under the world’s foremost leaders in natural medicine. She is a mother and a wife and has created a balanced and total wellness life for herself and thousands of her clients using her simple wholistic approach to health and wellness. Her coaching, classes and ebooks help clients with Fibromyalgia, Hormone and Adrenal issues, Asthma, Diabetes, Weight problems, Thyroid and Chronic pain find resources and solutions to better health.
We publish newsletters and blogposts twice a week for our readers for general education purposes only. We cover topics that are related to achieving and maintaining total wellness which includes our emotional, physical, spiritual and financial health.