Sunday, March 17, 2013

Chasing my pot o' gold

So for a while now, I've been meaning to write a post about my goals. I have them all in my head, but they are more like plans than actual goals. For me, in order for a goal to be an official goal, it has to have a deadline, a plan of attack and mini check points to be sure I'm staying on track. Weeks have gone by since I 'planned' on writing this post. One reason is because I don't have a schedule (deadline) for my blog posts, and the second reason is because I realized I don't have any deadlines for any of my goals! All I know right now is what I want to accomplish in life and generally what order those things are going to come in.

It's been hard for me to settle down and take some time to write this post. Right now I feel like my brain is too busy trying to focus on building up my Avon team and making it to my next title advancement. Just a few minutes ago I finally looked at a calendar to figure out how long it'll take for me to do that. I'm torn between two dates. But I think that for the sake of pushing myself a little (actually a lot) I'll go with the first date. So here we go - My goals:

Starting with the most immediate goals

  1. Avon
    • Obtain my next title, Advanced Unit Leader (which is the second step up) by May 31
    • This means I need to have two Unit Leaders, 12 people submitting orders, $250 in my own sales and a team total of $4,500 in sales. 
    • I'd also like to have 30 team members; an increase of 13 new members. If I aim to sign up 5 new team members for each vendor event I have scheduled (eight) between now and April, I will be able to reach that goal, and hopefully surpass it.
    • By November 15 I would like to have 100 customers in my mailing list.
  2. School
    • I'm attending school to obtain an Associates Degree in Certified Shorthand Reporting. I'd like to be finished up by March of 2014. 
  3. Move to Colorado
    • I have absolutely no idea when this is going to happen. It's truly dependent on when I finish up with school.  I have no idea the actual dates of these, but it would be nice if they would happen sometime next summer or fall.
  4. Work as a court reporter
    • The only reason I am going to school for this profession is because many people in this field earn six figure incomes. I'm pretty sure I could handle that kind of money, considering I have $40 in my savings account right now. 
  5. Earn six figures with Avon
  6. Earn six figures with my degree
  7. Buy my first rental property
  8. Buy my first 'me' property
  9. Retire from court reporting
  10. Support my family with Avon and rental properties

Whoa... pretty lofty goals. I'm sure most people would believe I will not achieve all of this. I've never actually seen my own goals in life laid out like that before, I've just had them floating around in my head. I don't talk to anybody about these goals. At least not all of them all at once. My boyfriend knows I plan on doing most of this. My upline knows I plan on making Senior Executive Unit Leader someday. But that's about it. 

I think sharing your goals with someone needs to have some serious consideration behind it. I don't share any of my goals with my mom because I know she doesn't believe all of them can be achieved. She would say 'that would be nice if you could do that.' But that's as far as her input would go. Mostly she would just encourage me to get a job that could support me, but for me getting a job is out of the question, save for the few years (maybe 5-10) that I will work as a court reporter. I think the reason I'll be able to manage that job for a while is because I'm not working in customer service, not in sales and really not trying to promote a business for an owner while I make $8/hour. Court reporters go in to work, sit down and type and later hand over transcripts. Not much interaction with a boss who wants more money. But I digress...

I've had a lot of training on goal setting in all my years of sales experience. Zig Ziglar has the greatest videos on setting goals. Here is a good place to start. As one of the greatest motivational speakers in our time, I'm proud to be able to say that I had the opportunity to see him speak before he passed on.

From Zig Ziglar, I learned that to set a goal, there are 7 steps you have to take in order to be sure you will be successful. I have used these 7 steps many many times, and every time I has kept me going in the right direction. And these can be used for any and every goal you'll ever want to achieve.

I've also read many books and have collected many quotes on goal setting. Here are a few of my favorites:

Arriving at one goal is the starting point to another.  ~John Dewey

You must have long-range goals to keep you from being frustrated by short-range failures.  ~Charles C. Noble

If you don't know where you are going, you will probably end up somewhere else.  ~Lawrence J. Peter

Goals are dreams with deadlines.  ~Diana Scharf Hunt

So there you have it. And, consequently, so do I. Here's to the next 10 weeks of Avon work. I'll keep you updated on how it goes!

Thursday, March 7, 2013

Hands off my Starbucks!

One of the things I hate the most about finance articles I read online is how they are always telling you 'NO' to everything that you want. You have to say NO to cable, NO to credit cards, NO to shopping and NO to Starbucks. Many of them include calculations that show how you're spending x amount of dollars on gourmet coffee every year. There's even a blog out there about how one family lives on $14,000/year like it's a good thing. That's pathetic! Why would anyone really want to live on $14,000/year???

Mark Twain once said, "I'm opposed to millionaires, but it would be dangerous to offer me the position." I'm pretty sure most people would rather have more money than less. So instead of trying to find dozens of ways to cut corners and deprive yourself of what you really want in life, why not find a way to increase your earnings? The wife in that family even started out by saying that she had a shopping habit that was stopping her and her husband from reaching their financial goals together. But instead of trying to find a way to make more money, they decided to cut corners.

Growing up, I've always been told to live below your means. Why do people say that? Why don't people tell you to earn more so that you can live the way that you want to?

The only thing I can think of is that people are afraid to chase their dreams. Or maybe they don't know how to. Schools these days don't dare teach you any business skills, finance skills or how to budget your money. They don't teach you how to invest, or how credit cards are actually a good thing, or how to be a CEO, or even how to set goals in your life! No, instead they consistently crank out employees every year at graduation. The only thing most people know what to do after high school or even after college is that they need to go out and get a job.

One of my near future blog posts is going to include all of my life goals, and I can guarantee you they are not going to include telling you to stop going to Starbucks.

And for my fellow Starbucks lovers who may not be aware of this yet, here's a special treat for you.

Wednesday, March 6, 2013

The safe way to double your money is to fold it over and put it in your pocket ~Frank Hubbard

Woohooo! I have just earned a $500 bonus check from AVON for reaching one of my goals! Goal setting does pay off! Hard work does pay off! Imagine that! 

From the day I made the decision to hand over my $10 and sign up to become an AVON representative, I knew that if I was going to do it, I was going to do it all the way. I let my sponsor know that I wanted to immediately get into the leadership program, instead of just the sales program. It was very hard for me to imagine myself actually recruiting other girls, but boy am I glad that I did. 

Zig Ziglar once said, "You can have everything in life that you want if you just give enough other people what they want." I believe in that whole heartily. I hope that the 14 girls who have signed up as a representative with me will also take advantage of the opportunity they have before them.

A part of me wishes that I could say this $500 was going to be spent at the spa, or a shopping trip, or a weekend vacation, or even to pay of a small portion of all the debt I owe. But no, this $500 is going to be spent on the three vendor events I have scheduled between now and next month. The first event that I have scheduled is for a local car show that is a fundraiser event for Arizona Middle School. They have estimated about 350 people to attend. The next event I have scheduled is two nights at the Storm Stadium for six high school championship games and they have estimated approximately 2,000 to attend! I am not even sure, yet, how I am going to prepare for those events, or what supplies I should be bringing. But I'm hoping that I'll be able to find at least 20 more girls who are interested in signing up as AVON representatives over these three events. 

The next goal I am working towards is the Advanced Unit Leader Title. I have just earned my Unit Leader title this week. I have 26 weeks to earn this title if I want to receive the $1,000 bonus check, but since I want that check sooner rather than later, I'm going to try to do it in 6 weeks. I am hoping by the end of this year I will be earning $2,000/month with my AVON income. I feel like I have a better chance at this than to find a job that will pay me that same amount before then. 

Every day I get up and look through the Forbes list of the richest people in America.  If I'm not there, I go to work.  ~Robert Orben

Monday, March 4, 2013

Entrepreneurs have two characteristics - ignorance and courage ~Robert Kiyosaki

There are as many pros to being an entrepreneur as there are cons. But I believe that the weight of one pro can outweigh any one, or even several, of those from the con list. Whereas I feel that the con of having a job outweighs even one of its pros.

Obviously, the first pro of having a job is the paycheck. But if you stop right there, we already have a problem. As soon as you take a look at that paycheck stub, you see that the government has already stuck it's grimy little hands into your earnings and taken at least 30% of your hard earned money! I have more problems with that concept than I have time to express.

Other pros can include things like being able to learn skills on the job and you have a few networking opportunities in this situation as well. But other than that, you are a marionette puppet with your strings immediately attached to your employer. They tell you what to do, when to do it, how to do it and how often to do it, when to show up for work, when to leave for lunch and when you're allowed to go home. I am way too stubborn to put up with any of that! I'm an adult, not a child.

If you do even one thing wrong, such as being too attractive or posting a picture of a receipt, or even doing the Harlem Shake you can wake up one day without a job! You are at the mercy of the employer. I've been an employer before. It's not the most fun thing in the world, especially when you have an employee who needs a job yet is no longer capable of performing the required duties. Sometimes you get fired for doing the right thing and likely saving someones life.

As an entrepreneur, you have freedom and flexibility. You set your own goals, you decide what you're going to do, how you're going to do it and when you're going to do it. Your schedule is yours and no one else's. The harder I work, the more money I make. When you have a job, no matter how hard you work one day, you're still earning the same amount of money as the next.

The first entrepreneurial endeavor I plan to accomplish is that of my Avon business. One of my mentors, Donald Trump, once said "If you're going to be thinking anyways, you might as well think big." So if I'm going to be an Avon representative, why not be one of the representatives who has 900 people in their downline and earns $100,000/year? If there are people out there who can do it, why couldn't I be one of those people? I've met those people. The only difference is they've been with Avon a whole lot longer than me.

With a home business, I have the freedom to work on the days I want to work, schedule my camping trips, vacations and lunch dates whenever I want to, and still work towards my ultimate goal. There is a different type of work effort that is involved in being self employed, and requires an acute sense of self discipline in order to accomplish what you want to get out of the freedom. Like Spidy's uncle once said, "With great power comes great responsibility." And so with entrepreneurship, with great freedom comes great responsibilities.

I do everything in life looking at the bigger picture. Right now, my big picture is earning a substantial income and being my own boss. I want to be the type of person who loves what they do for a living.

Saturday, March 2, 2013

Work is a necessary evil to be avoided ~Mark Twain

This brunette is definitely not out of debt. The title is mostly just wishful thinking. Or, as I've been told, the 'truth in advance.' At the time I heard it, I felt like it was a fancy way of saying that you're lying. After you've spent six years in the sales industry, you learn things like that.

At 30 years old, I am not where I would have expected myself to be. My only consolation is that I'm probably not the first (or last) person to have said that. I find myself unemployed, unable to afford to live on my own and in the hole about $30,000 or so. I'm not even sure, anymore, that actual amount. It's depressing to look at my credit report.

Yet, I don't actually think any of those are my biggest problem. I think my problem is that I am almost voluntarily the worst employee you could hire. And it's not because I'm lazy and untrustworthy. It's because if you hire me, I'm going to want to take your job and run your business for you.

I had an opportunity to work for a company for two years that changed me for ever. Although I learned a great deal of truly positive things there, that godforsaken company has the most piss poor reputation I've ever seen. I eventually left because of how it was run, and although I tried to find more ethical ways to go about things, the owner was adamant that he was going to run it the way it was started over 30 years ago. It was an ancient business plan. One that was not forthcoming to the people they hired. Many secrets were kept and they trick people into thinking they'll earn x amount of money and have this job title and responsibilities. When in reality, you're being hired as a contractor and you're earning only commissions and your responsibilities include paying for office rent and a secretary's wages, whom you have to hire yourself. After working there for two years and realizing I was lying to people, I had to leave.

The problem? They had taught me how to be an entrepreneur. They had taught me how to run a business, how to be responsible, how to be in charge, how to lead people, how to do taxes so you earn your money before giving it to the government. They taught me how to be free. Now, I'm the worst employee out there.

The 2.5 jobs I've had since then has proven that to me. And I'll get to that '.5' in a minute.  The job I had right after that was working at the front desk of a hotel. Loved the job, hated the way the business was being run. Not only were they running it illegally (paid under the table, employees had to front the costs for promotional events, etc), but they had a deplorable way of training new people, no handbooks to refer to, hypocritical people in charge. It killed me inside to not tell the owner off and take over how things were being operated.

After that I worked for a ceramic studio, where you can go in and paint your own mugs and pottery. Same problem. They just weren't doing anything the way that I would. I wasn't surprised at all when I was let go. A part of me wasn't even sad, either.

The '.5' job I had after that was 10 months of hell. I worked as a live-in nanny for a family that was falling apart. They made a crap load of money, though, so that offered me a small weekly salary and a free place to live. Their kids were unbearable. I almost quit at least 10 times and the worst day was probably when their youngest threw a temper tantrum and squirted her juice box at me in the car while I was driving.

This is the purpose of the title of this entry. I don't ever want to have another job again. Unfortunately, that leaves me depending on other people while I am in school. Definitely not the position I would have expected at this age, and definitely not what I would prefer for the time being. I started selling AVON a few months ago, though, so at least I have some form of income. I plan on eventually using this as my full time income, but I know that is going to be several years down the road.

So while I have so much free time, here I am. Blogging to the universe about how I'm possibly going to survive until I can achieve my real American Dream. Which is a huge purple bedroom. In my own house.