Over the past few years, I've really focused on growing my financial planning practice, my blogs and my other online ventures. After enrolling in a coaching program and talking with mentors and other successful entrepreneurs, I realized that successful people make strong positive habits part of their daily routine to help them achieve great things.
Dan Sullivan, the founder of the Strategic Coaching Program, developed what he calls the 21-day positive focus. The basic concept fairly simple: focusing for 21 days straight on one key habit that you want to either introduce into your life or get rid of.
I chose two habits to acquire -- doing push-ups and reading the Bible -- and started the 21-day habit challenge on my blog, hoping to inspire my readers to incorporate new positive habits into their daily lives, too. I was surprised at the results.
1. It's Possible
Many people want to do good things -- like working out, eating right or writing in their journals -- but instead, they just talk about them. My public commitment made my goals much more attainable, and having the clear idea that I was going to finish the 21 days or bust also helped make it possible. While some days were harder, I'm excited to say that I completed the 21-day habit challenge successfully.
2. Writing It Down Makes All the Difference
As part of the challenge, I had my readers print off the Bad Habit Destroyer worksheet. It's a simple PDF that has 21 boxes that were to be crossed off for each day that you accomplished your daily habit goal. This was huge for me. Simply having to mark an X each day was a constant reminder to stay on point and finish this challenge. If it was late in the day and I was short on my push-up goal or hadn't read my Bible yet, I kept thinking about having to mark that X off, and it pushed me to get it done. What has since made incorporating those habits more effective is when I give myself a deadline during the day.
Science backs this, notes James Clear, who blogs about habit transformation and shared research that reveals a simple trick to double your chances of achieving any goal. In a study published in the British Journal of Health Psychology, researchers were trying to determine the most effective way to get people to work out. The study found motivation wasn't the largest factor for people to work out more; it was having a clear plan about when and where they were going to work out that had the most significant affect. "Over 100 separate studies in a wide range of experimental situations have come to the same conclusion: people who explicitly state when and where their new behaviors are going to happen are much more likely to stick to their goals," he writes.
3. Why Didn't I Do It Sooner?
These habits are ones I could've easily integrated into my daily routine months, if not years, sooner. For whatever reason, I didn't. I'm now thankful that I went through the challenge, because I feel like I now have introduced positive habits in my life that I hope never go away. Is there something that you've been wanting to get started, there's not a better time than now. I love this quote from Zig Ziglar: "You don't have to be great to start, but you have to start to be great."
4. Make It Public
Many people who joined the challenge were sharing what they were hoping to accomplish via Facebook (FB), Instagram and Twitter (TWTR). Any time you want to accomplish something new -- such as working out three days a week, for example -- I think it's a good idea to share your goal with your friends, your family and your co-workers. Heck, put it on Facebook. Why? You now have others who will hold you accountable.
5. Don't Let Your Goals Out of Your Sight
When I was working on my bad habits, I made sure that I carried the Bad Habit Destroyer worksheet with me everywhere. I made sure that I would see it each day to remind me what the habit I was focusing on. It's so important to constantly remind yourself what exactly you're trying to achieve.
%VIRTUAL-article-sponsoredlinks%A good buddy, Ben Newman, author of the best-selling book "Own Your Success," keeps the positive habits he's working on listed in his bathroom so he's reminded regularly what he's striving to achieve. When you don't have a visual reminder of the habit you're trying to break, you forget, tend to get lazy and fall back into your old rut.
6. Be Realistic
Each time you try something new, you have to be realistic with your goals. For example, a few challengers who hadn't exercised at all in the last year were trying to work out 30 minutes a day, seven days a week. They were setting themselves up for failure.
Darren Hardy, the author of "The Compound Effect," suggests dividing your goal by two. Say, for example, you want to work out six days per week. Make three days your minimum goal achievement. People who tend to set their goals too high will end up giving up if they don't meet that goal for that week. Same thing applies with this habit challenge.
It's Your Turn
What's one new positive habit you would like to add to your daily routine? Reading more about personal finance, writing in your journal, tweaking your budget, stop biting your fingernails, exercising more?
Jeff Rose is a certified financial planner and has an unusual obsession with In-N-Out Burger. He created the Money Dominating Toolkit and filled it with awesome resources to show your money who's boss.
12 Ways to Save Money by Going Green
6 Lessons I Learned From Finishing a 21-Day Habit Challenge
Strategic planting of trees can reduce an unshaded home's air conditioning costs 15 percent to 50 percent, according to the U.S. Department of Energy, which has tips on landscaping for shade. Some tility companies offer customers free trees throughout the year, and some local governments give away trees as part of Arbor Day celebrations. For $10, you can join the Arbor Day Foundation and get ten free trees. Plus, your membership entitles you to a 33% discount on trees when you buy online from the foundation.
By leaving your car at home two days a week, you can reduce your greenhouse gas emissions by more than 3,000 pounds a year, according to the U.S. Environmental Protection Agency. Plus, you'll save money on gas and parking if you bike rather than drive to work. For example, you'll save about $7 a day by biking rather than driving if you have a 15-mile round-trip commute. The How Much Can I Save Biking to Work? Tool analyzes your financial benefits. If biking isn't an option, you still can drive less by organizing a carpool, using public transportation or walking.
You can save an estimated 10 percent a year on heating and cooling costs by installing a programmable thermostat, according to the Energy Department. Save energy in the winter by setting the thermostat (which costs as little as $20) to 68 degrees while you're awake and programming it for a lower temperature while you're asleep or away from home. Set it for 78 degrees in the summer and increase the temperature when you're not home. You can shave 1 percent off your bill for each degree you decrease the temperature in the winter or increase it in the summer. And, no, you won't have to use more energy to warm or cool your house off when you get home. That's a common misconception, according to the Energy Department.
The meat industry generates about one-fifth of the world's man-made greenhouse gas emissions, according to estimates from the United Nations' Food and Agriculture Organization. So if your family skipped eating steak once a week, it would be the equivalent of taking your car off the road for nearly three months, according to the Earth Day Network. And you'd save money. For example, a sirloin steak costs twice as much per pound as chicken breasts and nearly five times as much as beans, according to the U.S. Bureau of Labor Statistics.
You can save $70 a year on your energy bill by replacing the light bulbs in five of your most frequently used fixtures with Energy Star qualified LED or CFL bulbs, according to the EPA. These bulbs use 75 percnet less energy than traditional incandescent bulbs and last ten to 25 times longer.
You can save money on your water bill by installing water-efficient faucets, showerheads and toilets. Look for products with the WaterSense label, which means they are certified to be at least 20 percent more efficient without sacrificing performance. For example, WaterSense-labeled toilets can save a family of four more than $90 annually on their water bill and $2,000 over the toilet's lifetime, according to the EPA. Considering you can get a toilet with the WaterSense label for as little as $98, it will pay for itself in about a year. Estimate your savings with this simple calculator.
Americans discard more than 2 million tons of obsolete electronic products annually, according to the EPA. Rather than fill the dump with your unwanted gadgets, fill your wallet by selling them. Sites such as BuyMyTronics.com, Gazelle, NextWorth and uSell pay cash -- and cover the cost of shipping -- for electronics such as smartphones, tablets, computers and more. The type of electronics you can sell varies by site, as does the amount you can receive. If none of the sites will accept your unwanted electronics, see the EPA's eCycling list for responsible electronics recyclers.
Americans spend $5.25 billion on fertilizers for their lawns, according to the EPA. Yet, you can get fertilizer for free by composting leaves, grass clippings, vegetable scraps and other organic waste. Plus, composting can divert as much as 30 percent of household waste from the garbage can, according to Eartheasy's guide to composting.
You may be able to cut your water costs a little by installing rain barrels at downspouts to collect water. You can attach a hose to the barrels to water your lawn and garden. The cost can be free (from some water departments), cheap (a recycled large plastic trash can or metal drum) or expensive (about $100 for a 50-gallon barrel at home and garden centers and online.
You're doing your health a favor by drinking water rather than soda. But if you're buying bottled water, you're not doing your wallet or the environment a favor. According to the International Bottle Water Association, Americans spent $11.8 billion on bottled water in 2012. Considering that the average cost per bottle is $1.45 and the average consumer buys 167 bottles a year, you'll spend more than $240 a year on bottled water at that rate. For the cost of just a few disposable bottles of water you can buy a reusable bottle that you can fill and carry with you wherever you go.
Clothes dryers can be one of the most expensive home appliances to operate, accounting for approximately 6 percent of a home's total electricity usage, according to the California Energy Commission's Consumer Energy Center. Because all dryers use about the same amount of energy, the best way to save money -- and benefit the environment -- is to line-dry your clothes whenever you can.
Energy vampires –- electronics that draw power even when they're not in use –- cost Americans almost $10 billion a year and account for almost 11 percent of all U.S. energy use, according to the EPA. If you want to avoid unplugging all of your electronics when they're not in use, you can buy an inexpensive power strip that several things can be plugged into and turned off with the flip of a switch. The Smart Strip Power Strip ($25 and up) will automatically shut off computer peripherals, such as printers and scanners, when not in use. And the Belkin Conserve Smart AV ($29.99) automatically shuts off components, such as a gaming console, receiver and speakers, when you turn off your TV.