As a question from yourself, how do you feel about each of these areas? Be specific. What actions can you take to improve on these perspectives? What do you care most about? Do you have a life philosophy? How does it relate to people, money or the environment? What motivates you? Setting goals will help you focus on what you want to achieve, on the other hand plans maps out the routs.

Psychology tends to push us to do the things we enjoy doing first, leaving those we do not enjoy until last or never. We pick quick jobs over slow, easy tasks before hard ones and familiar tasks before something new. This is yet another great hurdle in the process of transformation. To combat this, schedule time for important tasks. Deal with urgent problems first. Do things when you best perform them.

Lack of expressing your thoughts is another great obstacle in change journey. If relationships are at the heart of happiness, communication is at the centre of relationships: it is how you connect to your problems. Be assertive, not aggressive while approaching your problems. Learn your ABC well. Use the word “I”. It brings the problems back to you, rather than facing it on someone else.

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Patterns, choices, behaviors and many factors beyond our control have led us to where we are now. In order to make changes an individual needs to be willing to accept change process as a natural and result oriented approach to solve problems.

Change is hard, really hard. You have a bad habit or 20 that you’ve tried to quit: smoking, overeating, saying negative things to your spouse, exceeding your budget. Research shows that people, in general, experience extreme difficulty changing a single habit. Humans stink at change. There has to be a moment when you take a hard look at the truth and contend with the fact it is no longer acceptable. You must be uncomfortable to make a change.

Get real with yourself.

If you’ve been stuck in trying to resolve problems with finances, health, relationships, career or other areas, seek tough love. “Ask for honest feedback from those you love,” Olsher says. But be prepared to truly hear it and separate the message from the messenger. “Assure the person, ‘I will not get mad at you. I need to hear the truth.’ Then don’t get mad when you hear it.”

Build a support network.

Recent studies indicate that people you spend time with affect your habits, whether good or bad. American and Chilean researchers found that a peer support group inspired people to double their financial savings; in the same study, other participants were offered a higher interest rate on their savings, an incentive that had zero effect. And a much-quoted study from Harvard found that those who have at least one obese friend have a 57 percent greater chance of being obese themselves.

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