Are You in Debt?

Over the last year, there has been a lot of talk about our spending habits and how we were living on credit and how that’s bad and five-step plans to get yourself out of debt and get the creditors off your backs and how to make sure you have a good mortgage and ways to have a cheap vacation all while living your dream.

Sorry for the run-on sentence, that was done for effect. It’s been a stressful year for a lot of us, myself included. Each of us has had to fight and battle through different challenges, but we’re here and we’re still ticking – chasing after that elusive dream each of us holds near to our hearts.

That begs the question today: Are you in debt? No, put those checkbooks away! I’m talking about your life.

Think about it in terms of your dreams and your passions and the activities you enjoy most.

Do you have too little time for you passions?
Do you have too much stress in your life? Or at work?
Are you spending too much time on tasks that don’t inspire you or push you to do after your passions?

If you’re answering yes to those questions, then yes, you are running a life deficit. It’s time to turn that around. As we near the end of the year, a few times a month I’m going to dive into this topic of running a “Life Deficit” and ways you can turn that around to run a surplus.

Let’s start with this though: What areas of your life are you running a surplus?

(Flickr image via samsmith)

Dream Big Dreams, Take Small Steps

This is a guest post by @SamDavidson of CoolPeopleCare.

Someone said (either Victor Hugo or Johann Wolfgang von Goethe, depending upon where you look online) that small dreams aren’t worth dreaming because they have no ability to stir the hearts of others.

I agree.

Dreams (the kind you have when you’re awake) are fun. You (usually) have no limits. Like a golf cart with the governor removed, why not see how fast you can take it out for a spin? Imagine – with no restrictions, rules, possibilities or barriers, what could you do?

In daydreams, cats can talk, gravity disappears and our critics are silenced. In daydreams, we’re a lot taller, our bank account is a lot bigger, and we seem to know all of the right people. And why shouldn’t we? It’s our dream, for crying out loud. We’re the author of this fairy tale, free to write and then edit as we choose.

In fact, if you have a daydream where you fail, flounder or give up, I encourage you to seek professional help.

Henry David Thoreau reminded us that we build our castles in the air, and rightly so. He then challenged us to go and build a foundation under them.

And perhaps that’s what is so tricky and daunting about dreaming big dreams. At one point, we have to back up, wake up to our present reality and go to work. We have to get our hands dirty, our feet wet and our muscles tired in order to do the hard work of turning our dream into a reality.

Dreaming is fun and encouraging because it’s so easy. Working and toiling to make that dream come true is not as fun. Sometimes, it’s downright awful. It sucks, it’s boring and very quickly, we can give up the big dream for a small one – one that seems more manageable and keeps us sane.

That’s why so many dreams stay small and why big dreams don’t come true and stop getting dreamt. It’s not because big dreams don’t come true; it’s because real action never follows.

So then, the first step towards real change is perhaps the easiest. As Robert Greenleaf so eloquently said, “Not much happens without a dream. And for something great to happen, there must be a great dream. Behind every great achievement is a dreamer of great dreams. Much more than a dreamer is required to bring it to reality; but the dream must be there first.”

And so the dream is dreamt. Step one is complete.

But what about step two? Or three? Or four hundred? How does that happen? How can those of us – regardless of the size of our dream – help those dreamers of great dreams see their great dreams actualized? Is there any role or part that we can play in the great, wild dreams of others?

Absolutely. Because dreams come true, one step at a time.

While our dreams start big, their actualization comes in very small steps. This is why I set out to create Cool People Care three short years ago. Providing one idea each weekday, we use the power of 99 words (exactly) to inspire, compel and motivate you to take the small steps towards your big dreams.

We really can save the world. Sure, it’s a big dream. That only means we need to get work, five minutes at a time.

Join our One Stream team at Kiva to change the world!

3 Cups of Tea, We Are Family

I’ve been wanting to read, Three Cups of Tea since I picked it up last Christmas and I finally was able to work it into my schedule and I’m glad I did.

Tea is written by Greg Mortenson (the guy who the book is about) and David Oliver Relin, and the story begins when Mortenson was a child and how his family lived around the world and it is these travels and these experiences that set Mortenson up for his future adventure that is changing the world.

The challenge of any man, of all people, is to leave the world a better place than they found it. In a twist of fate, after failing in his climb up K2, Mortenson ended up in a tiny village clinging to life. The people there in Korphe saved his life. Upon his departure, he made a promise that would save both of theirs.

Mortenson made a promise upon his departure that he would come back and build a much needed school in Korphe. Korphe is in the northern portion of Pakistan, the part that bread the birth of Al-Qaeda. He journey is long and painful and with brief moments of sheer terror for the life of Mortenson.

Here (in Pakistan and Afghanistan), we drink three cups of tea to do business; the first you are a stranger, the second you become a friend, and third, you join our family, and for our family we are prepared to do anything–even die.
-Haji Ali, Korphe Village Chief, Karakoral Mountains, Pakistan

The is a read you won’t want to put down and will surely inspire you to want to pick up a hammer and build a school yourself.

Learn more about Three Cups of Tea.

FOCUS: One Stream! (v2n21)

This Week’s Lesson
You will never be truly happy and successful unless you do things for other people.
-Less’s life lesson from Minot, North Dakota

Richard’s Thoughts…
Community service has often been called noble service. I started volunteering back in 1999 and now, ten years later things have changed. Not only can I volunteer in my own community, but we can help people all around the world with small and simple actions. That’s what One Stream is about. It’s about you and your neighbor. Your human neighbor. It’s about the power you have as one person at this spot of the stream, taking a positive action today to change the life of someone down the stream who depends on the sustenance of the stream, just like you. We are one. What happens to you, happens to all.

For one month, September 16 – October 16, 2009, we’re running a fundraising campaign. There are tons of ways for you to change the world. After all, we are all part of One Stream. I’ve created a team on Kiva, a micro-lending organization. In a nutshell, this non-profit collaborates with lending companies all around the globe to loan money to entrepreneurs in any country in the world. You get updates on their business and their family. The money goes to their business and so far I’ve personally helped a carpenter, a farmer, a person in the clothing business and others! The best part is you can get the money back after it’s repaid! Even better, if you choose, you can re-loan that money out again!

It starts with you my friends. Come with me! We are all at this One Stream. Let’s change the world. If you can’t donate money, donate time, it’s just as valuable and changes just as many lives.

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