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Mortgage Insurance? Not on Your Life!
Dear Mary: I just bought a house, and I've been getting a lot of flyers about mortgage protection insurance. Is it something good for a new homeowner or just a waste of money? — Donna, email
Dear Donna: Great questions. "Mortgage …Read more.
Tips That Make You Feel Like a Genius
Secretly, I feel like a genius when I discover a secondary use for this or that — in case I run out of this, but have plenty of that! Like using a paper coffee filter to wash a glass top or mirror when I'm in a pinch for paper towels. Or using …Read more.
Supermarket Tricks That Makes Us Spend More
I've always thought of myself as pretty sharp when it comes to spotting supermarket trickery. I'm not even fazed by an end-cap display announcing, "Special." I know their ways. They hope we'll just assume that "special" means …Read more.
The Struggle to Actually Use up Gift Cards
My love-hate relationship with gift cards has intensified. What a pain, really. I'm one who just forgets to use them, and when I remember, I try to figure out how to use each one to the last cent. I was reminded of my situation recently when I …Read more.
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Perfectly ParalyzedI never have thought of myself as a perfectionist. One would only have to peer into my office to understand why. My office has the appearance of chaos, confusion and disorder. "Appearance" is the operative word. I find the chaos to be completely functional. I rely on my own, unique organizational theory: It's better occasionally to waste time searching for items than regularly to waste time keeping the place tidy with everything meticulously filed. I know what you're thinking. My mother didn't agree with my theory, either. I admit that I struggle with procrastination. But me, a perfectionist? Hardly. A perfectionist is someone who does everything perfectly. I only think about doing things perfectly. Not long ago, I had the opportunity to hear what Rick Warren, pastor of Saddleback Church in Southern California, had to say on this subject. A procrastinator, Warren says, is nothing more than a frustrated perfectionist. A perfectionist is convinced she must prove her worth by being perfect. A perfectionist craves approval. Warren contends it's the fear of not being able to perform perfectly that leads to procrastination. And procrastination eventually leads to paralysis. There are times when I stare into my computer screen for hours on end without completing a single sentence. Even though I have a clear-cut subject, a semi-brilliant conclusion and a general idea of how I plan to get there, until I perfect my first paragraph, I'm paralyzed. Have you ever felt paralyzed by your procrastination? Perhaps perfectionism is at the root of the problem. I hear from lots of you who say you just can't get going with your Rapid Debt-Repayment Plans (one element of Debt-Proof Living; learn more at http://www.DebtProofLiving.com).
Perfectionism can keep us from moving forward, but it doesn't have to be that way. There are antidotes for perfectionism. 1) Believe that no one is perfect. You will liberate yourself when you lower your expectations from perfect to realistic. Don't be afraid to make a mistake. You don't have to be perfect to be happy. 2) Let go and let God handle things. It takes a lot of faith to let go of those things over which we have no control. 3) Learn contentment. Life must be lived in less than perfect circumstances. Accept that. Love the moment, and enjoy the journey. Dump the pressure that says you must be perfect to be accepted. It's time to break out of your prison of perfectionism. Identify what you need to do and take the first step. Even if you fall flat on your face, you will have gained at least five feet. Then take the second step, and the third. Before you know it, you will be making terrific progress. Not perfection, but progress! Mary Hunt is the founder of www.DebtProofLiving.com and author of 18 books, including her best-selling classic "Debt-Proof Living." You can e-mail her at mary@everydaycheapskate.com, or write to Everyday Cheapskate, P.O. Box 2135, Paramount, CA 90723. To find out more about Mary Hunt and read her past columns, please visit the Creators Syndicate Web page at www.creators.com. COPYRIGHT 2010 CREATORS.COM
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