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Image Nick Vujicic, by Lymantria creative commons:
7 Steps to
Overcoming
Limitations
7 Steps to Overcoming Limitations are extracts taken from Errol Lawson’s
book ‘From the Post Code to the Globe
Buy your co...
Copyright, Licensing and Liabilities.
Copyright ©2012,2013 Errol Lawson. http:// www.erollawson.com/
Everyone is permitted...
1. Reality Check
2. Think Like a Winner
3. Dream
4. Practice, Practice, Practice
5. Momentum
6. Courage
7. Let Your Money ...
1 Reality Check
Nick Vuijic, pronounced ‘Vooy-cheech’ was born without arms and legs.
Imagine being born without arms. No ...
Before I go any further, please don’t misunderstand me; accepting reality
does not mean you have to like your circumstance...
Peers:
My dad used to say to me "son, if you mingle with dogs you'll catch flees". In
other words be careful who you choos...
Accepting others for who they are
As I mentioned earlier, my life was made a lot easier the moment I decided to
accept my ...
No egos or pre-conceived notions went before them. Their "simple" nature
seemed to be a natural result of the spiritual en...
2. Think Like a
Winner
As a man thinketh in his heart, so is he (Proverbs 23:7)
Like the ancient biblical proverb states, ...
age of 63. Against the counsel of the doctors, who gave him a clean bill of
health, he insisted that he would not live pas...
3. DREAM
In fact, there is more technology in an iPhone than there was in some of the
early space shuttles that journeyed ...
vision and purpose, however, our lives become meaningful and fulfilling. We
jump out of bed in the morning instead of craw...
4. PRACTICE,
PRACTICE,
PRACTICE
Many nights I would find myself out with my friends until the early hours of
the morning, ...
called, went on to win 6 NBA championships as well as many other great
awards.
The same can be said of legendary American ...
influenced your situation. A daily routine based on good habits is what
separates the most successful amongst us from ever...
5. MOMENTUM
Firstly, what is momentum? The Oxford Dictionary defines momentum as: "the
impetus gained by a moving object"....
bound. Full throttle is main- tained until a particular altitude is reached, at
which point the plane flies in cruise mode...
One of the hardest things for me to comprehend was “How could I be great
with all the crazy things going on in my life?” Y...
6. COURAGE
“Many of our fears are tissue-paper-thin, and a single courageous step
would carry us clear through them.”
—BRE...
For many, the fear of people may most recognisably raise its head when
asked to speak or present something before either a...
The first type of fear I want to help you overcome is the fear of people. From
my school days, I always remember there bei...
journey of change by reading and studying my Bible, growing in my
relationship with God as well as with others in my churc...
Each time we make a mistake, we should examine where we went wrong,
learn from it, make modifications and then try again. ...
7. LET YOUR
MONEY WORK
FOR YOU
I have added this chapter because I’ve realised that one thing I wasn’t taught
at school or...
Through my own pursuit of knowledge since leaving school, I became able see
that if I truly wanted to, I could master any ...
When money becomes such an important thing to us that we believe we will
do anything to get it, evil is sure to follow.
“T...
If you want to know what you value most in life, look at your bank statement
and see where you spend most of your money.
A...
which type of income you would like to achieve, and begin to focus your
efforts on attaining it. Let me explain the 3 type...
—DAVE RAMSEY
Most people rely solely on earned income, either because they get stuck or
they get comfortable. However, the...
was going to take responsibility for the situation. I made up my mind that I
was going to change my priorities.
Instead of...
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7 steps to overcoming limitations

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In this I share experts from my book entitled "From the Postcode to the Globe - How to overcome limitations and realise your potential".

In tis ebook you will get a succinct breakdown of the 7 steps.

Enjoy and please share with your friends.

Thanks

Errol

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7 steps to overcoming limitations

  1. 1. Image Nick Vujicic, by Lymantria creative commons:
  2. 2. 7 Steps to Overcoming Limitations
  3. 3. 7 Steps to Overcoming Limitations are extracts taken from Errol Lawson’s book ‘From the Post Code to the Globe Buy your copy of From the Post Code to the Globe £9.97 plus Post and Packing
  4. 4. Copyright, Licensing and Liabilities. Copyright ©2012,2013 Errol Lawson. http:// www.erollawson.com/ Everyone is permitted to copy and distribute verbatim copies of this document, but changing it is not allowed without the express permission of Errol Lawson All copyrights by respective companies are fully acknowledged. Disclaimer of Warranty THERE IS NO WARRANTY FOR ANY PROGRAMS OR DOCUMENTATION, TO THE EXTENT PERMITTED BY APPLICABLE LAW. EXCEPT WHEN OTHERWISE STATED IN WRITING THE COPYRIGHT HOLDERS AND/OR OTHER PARTIES PROVIDE THE PROGRAM “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. THE ENTIRE RISK AS TO THE QUALITY AND PERFORMANCE OF THE PROGRAM IS WITH YOU. SHOULD THE PROGRAM PROVE DEFECTIVE, YOU ASSUME THE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION. Limitation of Liability IN NO EVENT UNLESS REQUIRED BY APPLICABLE LAW OR AGREED TO IN WRITING WILL ANY COPYRIGHT HOLDER, OR ANY OTHER PARTY WHO MODIFIES AND/OR CONVEYS THE PROGRAM AS PERMITTED ABOVE, BE LIABLE TO YOU FOR DAMAGES, INCLUDING ANY GENERAL, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE THE PROGRAM (INCLUDING BUT NOT LIMITED TO LOSS OF DATA OR DATA BEING RENDERED INACCURATE OR LOSSES SUSTAINED BY YOU OR THIRD PARTIES OR A FAILURE OF THE PROGRAM TO OPERATE WITH ANY OTHER PROGRAMS), EVEN IF SUCH HOLDER OR OTHER PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Interpretation of above Sections If the disclaimer of warranty and limitation of liability provided above cannot be given local legal effect according to their terms, reviewing courts shall apply local law that most closely approximates an absolute waiver of all civil liability in connection with the Program or information contained in the documentation, unless a warranty or assumption of liability accompanies a copy of the Program or documentation in return for a fee. Version 1.00 23rd April 2013,
  5. 5. 1. Reality Check 2. Think Like a Winner 3. Dream 4. Practice, Practice, Practice 5. Momentum 6. Courage 7. Let Your Money Work For You
  6. 6. 1 Reality Check Nick Vuijic, pronounced ‘Vooy-cheech’ was born without arms and legs. Imagine being born without arms. No hands to hold the ones you love, being unable to lift or carry things, unable to experience touch. How difficult would life be? No legs. Unable to run, jump or dance, relying on others to get you around. How would you live? Imagine the bullying and low self-esteem you would have to endure. (I can’t even begin to) Yet Nick demonstrates to all of us that regardless of circumstances we are born into or faced with, there is no limit to what we can achieve. Visit www.lifewithoutlimbs.org Accepting Ourselves for who we are Acceptance of reality requires an act of CHOICE. It is like coming to a crossroad. You have to turn your mind towards the ‘acceptance’ road and away from the road of ‘reality rejection’: choosing not to be angry and frustrated about a reality you cannot change. Though I have no regrets about some of the bad choices that I made, it would have been helpful to have someone teach me the importance of accepting reality and having gratitude. This is something that I eventually learned through reading the Bible and other books. I’m certain that, had I known then what I know now, I would have made a greater number of better choices, and so I have therefore shared the foundation of the principle with you below: There is unbelievable power in choosing to: a) accept the reality of a situation; b) accept ourselves for who we are; c) accept others for who they are. Doing so can move us forward on our journey to maturity and give us great personal power to actually take responsibility for our circumstances.
  7. 7. Before I go any further, please don’t misunderstand me; accepting reality does not mean you have to like your circumstances. Acceptance is acknowledging what your circumstances are. The thing that you do have the power to change is you. You can change your attitude or outlook towards the situation you are facing. You can choose to forgive rather than hold a grudge. You can choose to love rather than resent. You do have power in your situation, but your power is to change you. Why do some people find it difficult to accept themselves for who they are? Most of us find it hard to accept ourselves because society tells us that we have to align with a pre-judged standard: that we should dress a certain way, look a certain way, talk a certain way and so on. Therefore, in our efforts to improve our sense of perceived worth, perhaps in a bid to be respected by others or to match up to society’s norms, we make attempts at being like someone else. I call it the curse of comparison: comparing ourselves with others whom we can never really become. Comparing yourself to others is not the same as emulating the achievements of others. In any field of endeavour, we need to have individuals who we aspire to be like: whose experiences we can learn from and whose shoulders we can stand on. The Apostle Paul wrote in his letter to the Corinthians, “Follow me as I follow Christ”. In other words, don’t try and be me, but follow my example of Godliness to become more like Christ. Whether in spiritual life, business, family or education, we can all benefit from having good examples or mentors to follow. In order to reach your potential I recommend that you really take time to develop your relationships on the following three levels. Mentors, Mentees and Peers. Mentors: These are the people that have gone ahead of you in the field in which you wish to succeed. They have likely already achieved what it is that you hope to achieve. Standing on the shoulders of these people so to speak, learning from their successes and failures will provide you with a platform upon which you can build. You may never meet your mentors in person. But you may read their books or listen to their tapes or go and hear them speak at a conference or seminar for example. Make a list of the people you would like to mentor you.
  8. 8. Peers: My dad used to say to me "son, if you mingle with dogs you'll catch flees". In other words be careful who you choose as friends because you will become like them. Mentees: Our mentees are those that we are mentoring, formally or otherwise. We should all at least be mindful of the fact that we are setting an example for somebody somewhere. What kind of example are you setting? I believe we have a duty to support, develop or nurture those that are coming up after us. Ralph Waldo Emerson once said, “What lies behind you and what lies in front of you, pales in comparison to what lies inside of you.” Why settle for being a good copy of someone else when you can be an excellent version of you? Within each one of us is someone who is uniquely gifted and talented, full of unbelievable potential. However, for the sake of satisfying others (which includes our peers, parents and loved ones), we suppress our positive, creative, natural self and settle for being like someone else. For a moment or two, we can get a sense of accomplishment or satisfaction from attempting to be like someone else, but more often than not, in the long run, it leaves us feeling frustrated and discouraged. Accepting ourselves for who we are amidst all the pressures of today’s society is probably the biggest challenge that we have to face. "Expose yourself to the world as you are for therein lies the greatest feat of courage you can ever achieve" (Author Unknown) By being courageous and confronting our fears, we can learn not to be afraid of exposing our weaknesses, faults and failures. In fact, we can make doing so a learning experience for both ourselves and others. Exposing and addressing our shortcomings doesn’t make us weak or inferior; it actually makes us stronger and wiser!
  9. 9. Accepting others for who they are As I mentioned earlier, my life was made a lot easier the moment I decided to accept my parents for who they were and not who I wanted them to be. I can think of many other situations in which I felt that I had been hard done by because of the acts or behaviours of others. Usually, these were times when I felt people had treated me in a way that I would not treat them. It becomes so easy for us to place judgement on people when this kind of thing happens. We get offended when people behave in a certain way. We call them ‘bad’ or put negative labels on them without really understanding the background or circumstances of the individual. We get offended and take things personally. Please don’t misunderstand me, to accept something is not the same as judging it to be good or condoning it. Until we accept people who are different to us for who they are, we are unable to empathise with them and contribute positively to their well-being. Developing an attitude of gratitude In July of 2010, I was able to take a group of young adults out on a Missions trip to work with people in some of the rural communities in Ghana, Africa. Upon arriving in a region called Gyakiti, in the Volta region of Ghana, we were greeted by a number of school children who began to sing welcome songs to us. We were blown away by the reception we received. The children sang and danced freely and joyfully with beaming smiles lighting up their faces and their eyes shining brightly. We were in the midst of a community where there was little electricity, hot water was a luxury, and children were extremely fortunate to be able to receive a good education. These children did not have the luxuries of Nintendo DS’, iPods or the like. There were no mobile phones and, for most, no TVs, yet these people had so much joy and life about them. The friendliness and openness of everyone was contagious. The more time that we spent there, the more we realised that these people lived in harmony with the world around them. They had a profound sense of gratitude for everything they received from each other, and for everything with which the rich soils and nature provided them. They were simple, God-fearing, loving people, willing to give and receive freely and unconditionally.
  10. 10. No egos or pre-conceived notions went before them. Their "simple" nature seemed to be a natural result of the spiritual enlightenment they achieved. They had profound love and respect for their fellow men, women and children, which, we quickly learned, also extended to complete strangers. The kind of attitude these people showed can be defined as an attitude of gratitude. When we make the decision to view our world with an attitude of gratitude, we are training ourselves to focus on the positive aspects of life. This attitude may not come as naturally to those of us who have been born and raised in the Western world as it might to those born in some African communities. Therefore, this means that we have to make extra, intentional effort to develop this attitude.
  11. 11. 2. Think Like a Winner As a man thinketh in his heart, so is he (Proverbs 23:7) Like the ancient biblical proverb states, as a man thinketh, so he is. Your world or your reality right now is the sum total of your thoughts. Everything, from the food you eat, the kind of results you get and even the friends you have are the sum total of your ‘thought life’. Your life is heading in the direction of your thinking. By harnessing the way you think, you have the power to transform your reality. In the book of proverbs, the Bible tells us that “As a man thinks in his heart so he is.” (Proverbs 23:7). Similarly, famous philosopher Marcus Aurelius once said, “A man’s life is what his thoughts make of it”. This is a principle that has been around from the beginning of time; this is not a new concept. We are what we think. By developing the habit of positive expectancy, we have the ability to reshape our world. Positive expectancy is essentially the following: how we think, what we think, what attitudes direct our actions, what expectations we have of ourselves, what dreams we dream and what goals we set. I encourage you to actively develop a positive expectancy, because the societies in which we live aid the cultivation of a negative expectancy that is equally as powerful and must be avoided like the plague! There are several cases of negative expectancy where people have resigned themselves to undesirable outcomes which, as a result, have translated from mere belief or lack thereof to actual negative situations. - “If you think you can, or if you think you can’t, you’re right” (Henry Ford). Think about the case of former American president Lyndon Johnson. Johnson retired at age 59. He began to tell people that he would not survive past the
  12. 12. age of 63. Against the counsel of the doctors, who gave him a clean bill of health, he insisted that he would not live past 63. Lo and behold, at age 63 Mr Johnson sadly passed away. I’ve learned that you can run away from your problems by moving house, moving city or changing towns, but unless you change the way you think, you will attract the same problems, the same type of people and the same situations. If we are going to improve our life experience, or change our lifestyle and the results that we are getting, what we need is a Mind Transplant. You’ve got to take responsibility for your ‘thought life’. Read books, study, put yourself in an environment that will change the way you think. The challenges you are facing, the circumstances you are in, your entire life, are the sum total of your thoughts. You are what you think. If you can change your thoughts, you’ll change your world A great book to read is “From the Post code to Globe” which you can buy now to find out the exact steps to get a mind transplant.
  13. 13. 3. DREAM In fact, there is more technology in an iPhone than there was in some of the early space shuttles that journeyed into space. Technology and times have moved on dramatically. Most of these great advancements have taken place because individuals have set their sights on things far greater. Likewise, you have the same creative ability to dream of a greater and more advanced future for yourself and those around you. There are many reasons why people fail to reach their potential. If you were to ask a group of people what they thought the main reasons were for this, I’m sure they would come up with a variety of answers. I would like to suggest and the message of this chapter is that we can help young people to reach their potential by encouraging them to create big goals and dream big dreams. Far too many of our young people are lacking aspiration and ambition. In simple terms, they have nothing to look forward to. Their thinking is from day-to-day and they don’t see beyond their immediate environment. Without any goals, aspirations, or dreams, people are living without a sense of hope. Hope, which I choose to define as ‘a positive expectancy’, is missing from the lives of people today. Hope of success for most of us comes from the examples we see in the world around us, mainly in our homes and immediate families. Hope determines our ability or inability to dream. The reality for many people in this generation is that their lives are devoid of the positive role models that are desper ately needed to inspire hope. Hope inspires vision, or what we might call a ‘picture of a preferred future’. This picture is not a physical picture that you might put on your wall or have on the mantelpiece in your front room; it’s a picture in your heart of where you see yourself 5, 10, 20 years or more from now. Martin Luther King once famously said, “If you lose hope, somehow you lose the vitality that keeps life moving, you lose that courage to be, that quality that helps you go on in spite of it all”. You see, without hope or this picture of a preferred future, there is no vision. Without vision, we live our lives without any clearly defined purpose. We then find ourselves merely existing and not actually living. As soon as we find
  14. 14. vision and purpose, however, our lives become meaningful and fulfilling. We jump out of bed in the morning instead of crawling out, eager to make the most of the day ahead. To move from my previous reality to my current reality I asked myself some of the following questions to help me create a picture of who I was and where I wanted to go: 1 What do I love to do? 2 What holds my attention or what activity am I doing when I lose track of time? 3 What do I love to learn about? 4 What things would my parents or those closest to me say I was really good at? 5 What talents or skills do I have that have made me feel great up to now? 6 Which of my achievements am I most proud of? 7 What kind of activities come easily/naturally to me? 8 If I could pursue any career whatsoever outside of a life of crime, if distance or time wasn’t an issue, what career would I pursue? 9 What am I passionate about? Take a few moments to write down answers to these questions. To get more information on the power of dreams, and how to use them to propel you to your dream future take this opportunity to get “From the Post code to Globe” which you can buy now.
  15. 15. 4. PRACTICE, PRACTICE, PRACTICE Many nights I would find myself out with my friends until the early hours of the morning, hustling, trying to make money. Even though what we were doing wasn’t legitimate we still had a good work ethic because we understood that if we were going to make any substantial amount of money, we were going to have to inconvenience ourselves and put in the hours. We would make mistakes and learn from them. We learned from others’ mistakes, too. Our hustle was refined by copying the practices of the older guys on the streets because, as far as we were concerned, they were where we wanted to be. Myself and the guys I hung around with, though we were entrepreneurial, we had limited perspectives and, as such, lived in a very small world: one that we had chosen and created for ourselves, largely restricted by postcode bounda- ries. We had no real idea of the possibilities and opportunities that were available to us in the wider community, much less further afield. Most of us were reluctant to travel into other postcode areas for fear of gang reprisals. It was practically impossible for all of our hard work and perseverance to get us very far in life with such a narrow outlook. Unfortunately, this is still the case for many people today. They are amazingly gifted but they limit their movement to their postcode area and their talents are misdirected into areas of crime and underground illegal activity. If rightly applied, that sort of work and focus, used in a more positive way, can lead to untold wealth – financially and in life as a whole. Michael Jordon practiced intensely beyond the already punishing team practices until, eventually, his opportunity came. He maintained this attitude all the way through his career. Michael Jordan, or “MJ” as he is affectionately
  16. 16. called, went on to win 6 NBA championships as well as many other great awards. The same can be said of legendary American golfer Tiger Woods. When Tiger was a baby, his Dad made a mini golf driving range in their garage, with carpet and a net. Tiger would sit in his high chair and watch his Dad practice. At just 9 months old, his father made him a golf club that he could use to strike the balls into the net. He started going to the golf course with his Dad when he was 18 months old and, when he was 4 years old, his parents hired a golfing coach for him. By the time he was 6, he began entering junior golfing contests. Tiger also listened to motivational tapes to improve his confidence in himself. The same principles of getting 10000 hours of deliberate practice apply here. Tiger didn’t just turn up on a golf course one day and become a great champion; he first had to put in many painstaking hours of hard work and practice to be able to perform at that level. “These guys are just naturally very talented,” you might say. Their stories show us that talent alone is never enough. Those that succeed in life spend time learning, improving, practicing and developing their craft so that when the opportunities come their way, they’re ready. The best people in any field are those who devote the most hours to deliberately practicing and improving their per- formance. They invest in themselves. They set goals for themselves to progress their performance. Those at the highest level will practice like this every day. The truth is that whether we realise it or not, there are things that we do every day that have created the life that we now have. These things are called habits. We have all developed habits over the course of our lives, some good and some bad. Our habits are either taking us in an upward or a downward direction. Many have explored the idea of being able to either make or break a habit by doing something consistently for between 21 to 30 days. This is true for some, but unfortunately, not for us all if the new behaviour we are putting in place in some causes us pain, then it’s likely that before the 21-day target is reached, we will give up. For our new habit to remain with us we need some positive benefit from the new behaviour because if we experience a positive effect from our behav- iour, we are more likely to continue it. My challenge to you now is to take a look at your environ- ment and circumstances and assess how your habits, posi- tive or negative, have
  17. 17. influenced your situation. A daily routine based on good habits is what separates the most successful amongst us from everyone else. If you were to live everyday like you did yesterday, on a scale of 1-10, would you achieve your goals in life? Think about it, what would need to change? To know more about Practice grab your copy of “From the Post code to Globe
  18. 18. 5. MOMENTUM Firstly, what is momentum? The Oxford Dictionary defines momentum as: "the impetus gained by a moving object". For example, someone might say "the car gained momentum as it went down the hill". Momentum can be both a positive and a negative force. I believe, each of our lives, at any given point is building momentum in one way or another. Either towards or away from our predestined purpose in life. The momentum that we are able to build is largely determined by the direction in which we focus our thoughts and actions. Billionaire Richard Branson, the man behind the ‘Virgin’ brand, is famous for taking audacious risks. With the com- modities of his enterprise spanning from planes and trains to mobiles and soft drinks, to name but a few, it is fair to say that Richard Branson didn’t get complacent with his first success but instead increased his momentum, simply applying the principles he had learned on his first journey to other opportunities that came his way. One of Branson’s most daring feats was to attempt a record-breaking, round- the- world balloon trip. In his biography entitled “Losing my Virginity”, Branson shares some interesting insights about this experience. He describes how, in order for an air balloon to take off and remain afloat, it requires a large amount of fuel to heat the air inside the balloon. Once the balloon rises and gets to a height thousands of feet above the ground, it enters what is called a slip stream. A slip stream is a strip of wind that circulates the circumference of the earth. Once the balloon has entered this, it is able to turn its engines off and be carried along for miles at tremendous speeds. The momen- tum the balloon gains in the slip stream is enough to get it to its destination. Once the balloon arrives at an area in the proximity of the destination, it is guided out of the slip stream and begins descending. Similarly, imagine for a moment the process that happens before a pilot takes off on a runway after being given clearance from air traffic control. Firstly, the aeroplane is pulled onto the strip and is steered toward the runway. Then the pilot goes through the last series of checks before giving and keeping the plane at full throttle until the take-off speed is reached and the aircraft is air
  19. 19. bound. Full throttle is main- tained until a particular altitude is reached, at which point the plane flies in cruise mode. In both of these examples, we see that in order to get off the ground, we must apply effort or ‘full throttle’. In other words, we need to persistently and intentionally move forwards in the direction of our goal. If we were to only give it half throttle, we would never create the momentum needed to get off the ground. Likewise, if we were to keep it at full throttle, we could unnecessarily expend excessive amounts of energy which could result in burnout or other negative consequences. In order to be able to spend quality time with our friends and loved ones, it’s important to get the right balance. Each one of us is created for a specific purpose. In order for you and I to realise our purpose and fulfil it, we must begin to align our thoughts with our Creator’s thoughts about us. When we achieve this, our behaviour, in turn, also changes and our lives come into line with the divine plan that we were created to fulfil. When we are in this place, we are living a life in which there is purpose to our existence and we begin to experience life in the ‘slip stream’. The slip stream here represents a place of optimum performance. All of the resources that we need, the protection and the provision, supernaturally find their way to us. When you’re in the ‘slip stream’, you are clear about what your purpose in life is. You have clear goals along with a written plan for their accomplishment. For the most part, you love what you do and enjoy the benefits of having healthy, wholesome relationships because you are living a balanced and well-rounded life. This allows you to have a positive impact on those around you. It’s not all rosy, however. There are storms and challenges along the way, and it takes dedication and hard work to get into the slip stream. Birds are made for the sky and fish for the sea; if you take a fish out of water, it’s pretty useless. It flaps around gasping for breath, but the second you put that fish back into the water, it becomes a genius. There’s a place in life for all of us where we fit comfortably and can utilise our talents and release our passion. It’s a place that is purpose built and tailor made just for us. It’s YOU shaped.
  20. 20. One of the hardest things for me to comprehend was “How could I be great with all the crazy things going on in my life?” You may think that because you have grown up in a single- parent family, were mistreated, didn’t get good grades at school, or even because your parents are struggling to put food on the table right now, that it’s impossible for you to achieve any level of greatness. Well, I’m here to tell you that if that’s your belief, YOU’RE WRONG, because you can be anything you want to be, you’ve simply got to make it happen. Like me, you may have had several run-ins with the police, or it may be that you have been to prison. Your past is irrelevant; your future is what’s important. You were born for a purpose, irrespective of your circumstance, and I’m living proof that your starting point need not pre- determine your endpoint. Start today by taking action in line with your goals; be consistent, and you, too, can build big momentum Another quote, and one of my favourites, is by Abraham Lincoln: “The best way to predict your future is to create it.” Setting goals provides us with a way to create our future today by focusing our attention and daily action steps on what we really want, and then making it a reality. Believe me when I tell you that setting goals works. All successful people are intensely goal- oriented. They know what they want and they are focused, single-mindedly, on achieving it every single day. Your ability to set goals is the master skill of success. Goals unlock your positive mind and release ideas and energy for goal attainment. Without goals, you simply drift and flow on the currents of life. With goals, you fly like an arrow, straight through to your target. Set your goals before you know the path and the path will appear. Errol’s six steps to goal setting are in “From the Post code to Globe get your copy now.
  21. 21. 6. COURAGE “Many of our fears are tissue-paper-thin, and a single courageous step would carry us clear through them.” —BRENDAN FRANCIS What is fear? An acronym for fear that I like to use is False Evidence Appearing Real (Neale Donald Walsch). We have all experienced a degree of fear in our lives at some time or another. Whether it is fear of failure, fear of death, fear of rejection, fear of change, fear of places, fear of people, or any other kind of fear you can think of. All of us, at some point, have experienced it. During my adolescent years, I found myself particularly intimidated by people. Not all people, but those who I per- ceived as being a threat to me. Fear would cause me to not fully be myself when around these people. Instead of being my confident and full-of-life true self, I would shy away and hope that the spotlight wouldn’t shine on me. I didn’t feel safe. When I look back at that situation today, I realise that my decision to be afraid of those individuals was, in fact, nothing to do with them (although they may have been dangerous); the decision to be afraid was a choice that I, personally, made. I had the power to choose to be afraid, or the power to choose otherwise. I chose to be afraid based on false evidence appear- ing real. Evidence such as what I had been taught by others, what I had seen, heard or experienced previously all of which were not necessarily absolute truths, but because of my limited narrow thinking I couldn't see any other way. Eventually, I decided that my dream was bigger than my fear. I wasn’t going to allow my fear of public speaking to prevent me from fulfilling my life ambitions; I was going to overcome it, one way or another. If I’m honest with you, there were times when I didn’t think I would be able to overcome those fears. I simply couldn’t see how. I felt as though I could do nothing of significance because of the insecurities that gripped me. However, my dreams, coupled with my faith and the encouragement of friends and family, motivated me to turn the situation around. I believe you can do the same.
  22. 22. For many, the fear of people may most recognisably raise its head when asked to speak or present something before either a small audience or a larger crowd. You may have heard it said before that the fear of public speaking is the biggest fear of all. This was certainly the case for me. I’ve found that the way to overcome any fear you may have is to do the thing you’re afraid of, despite how you feel. It’s amazing how easy public speaking becomes once you’ve done it a few times. Tony Hsieh (surname pronounced ‘Shay’), the founder of Zappos, a leading online shoe and clothing store, gives some great advice about public speak- ing in his bestselling book, Delivering Happiness. His advice is: 1. Be passionate In order to be passionate, talk about things that you are genuinely interested in. When you are well prepared, and confident that you know and enjoy what you are talking about, it is easy to be passionate. 2. Tell personal stories By taking the risk of being vulnerable and telling your own personal story or your own experience in relation to your subject, you create a unique relationship with your audi- ence. People are more interested in knowing who you are and what your message is than lots of facts and figures. 3. Be real Put simply, be yourself. The best communicators are those who are the same person on the stage as they are off it. Don’t try to be like your favourite TV personality: be you. KEY TIP: If public speaking is completely new to you, I would recommend that you write out what you are going to say beforehand and, if possible, practice speaking it out loud a few times at least a couple of days before. I sometimes go to a park and practice my presentations, or do them at home in front of a mirror. I would suggest that you practice to the point where you can almost do it without the notes. This will give you increased confidence before you are called to the stage. Also, consider joining a public speaking club; there are some fantastic ones out there.
  23. 23. The first type of fear I want to help you overcome is the fear of people. From my school days, I always remember there being those in the years above who would intimidate and bully me. Later on in life, as previously mentioned, there were times when I would be scared of people who were stronger than me, better fighters, or simply more popular. This was a huge challenge during my early years. This fear caused me to go into my shell; on occasions, I was unwilling to speak in a crowd because my fear of criticism and judgement was so great. I allowed this fear to imprint in my psyche that I was worthless, inadequate, and not good enough. Without intending to, I began to feed this picture of myself with my own negative thoughts and began to agree with them. One particular case of this was the time just after I’d started secondary school. You see, I had attended an inner city primary school in Birmingham. However, in my parents’ attempt to protect me from some of the negative influences that are endemic in such areas, I was made to take 11 plus exams. Upon passing, I was shipped out to a school on the outskirts of Birmingham. Moving to the other side of Birmingham wasn’t the problem; the issue was that I immediately went from being in a predominantly black environment to an environment where I was the only black pupil in the entire year group. To say that I felt like a fish out of water would be to put it mildly. On an almost daily basis I had to deal with racist comments, bullying and prejudice. It was a very uncomforta- ble period in my life. Being so far outnumbered when jokes were being made about me was not easy, despite how witty I might have been. As a young person, I wanted to fit in and be accepted. In my desire to do this, I remember at about 14 yrs old having my hair relaxed and straightened. I look back now and laugh because I looked like ‘Cat’ from the TV series Red Dwarf, for those of you who have seen it. I had allowed both my fears and insecurities, along with my desire to be a part of the group, to cause me to go so far as to change the way I looked to what I deemed acceptable to my peers. I didn’t know how to stop or control these thoughts. At the time, I didn’t have anyone around me with whom I felt safe enough to open up. This made some of my teenage years very difficult, particularly because I found it hard to build meaningful friendships. If you want change in your life, you’ve got to first believe that you have the ability to do so and be intentional about doing it. Secondly, you’ve got to believe that the change is worth making and, in this way, be motivated to alter not only what you do, but also the way you do it. I started out on my
  24. 24. journey of change by reading and studying my Bible, growing in my relationship with God as well as with others in my church community. Both my self-image and my self- concept needed to be re-programmed, and this helped me to do just that. Thankfully for me, these factors helped provide a safe environment in which this re-programming could commence. Fear of failure The next fear we all need to get control of is the fear of failure. The natural response for many people is to let the pressures and problems of life beat them into submission to a point where they give up on their aspirations; they quit trying and live a life of mediocrity and unfulfilled dreams. Sadly, they grow old and find themselves looking back on their lives, asking, “What if?” “What if I had gone for that job promotion?” “What if I had bought that house?” “What if I had taken that opportunity?” So many people don’t reach their potential in life because, when opportunities arise, instead of taking the risk and having faith, they focus on the negative. Brian Tracy once said “Low achievers ask the question ‘what if this doesn’t work out’ while high achievers ask the question, “what if it does?”. The fear of failure paralyses people and causes them to end up doing nothing at all. Please don’t misunderstand me, I can accept that, in life, we all experience failure in some shape or form. However, our failures are not the real problem; the real problem is not getting back up, dusting ourselves off and trying again. “Failure is a detour, not a dead-end street.” —ZIG ZIGLAR The challenges that life throws at us will either grind us down or polish us up. The choice is ours. American Baseball legend Babe Ruth once said “Never let the fear of striking out get in your way.” The more mistakes we make, the more ways we learn how not to do it. When we see that our failures are stepping-stones to success, we will no longer beat ourselves up but instead look for the next opportunity to try again, knowing that at the very least we will learn something new.
  25. 25. Each time we make a mistake, we should examine where we went wrong, learn from it, make modifications and then try again. When we can change perspectives and see our mistakes and setbacks as great opportunities to learn and grow, transformation of the world around us can really begin to take place. Know, that you can overcome! To get more great tips on how to fire up your courage to dispel fear get “From the Post code to Globe download your copy now.
  26. 26. 7. LET YOUR MONEY WORK FOR YOU I have added this chapter because I’ve realised that one thing I wasn’t taught at school or at home was how I could create personal wealth for myself and, in turn, become financially free. I believe that if I had been mentored in my younger years about how to use money wisely, I would have been far better off. I had a lot of money pass through my hands, one way or another, but unfortunately, it left my hands as quickly as it came. Fast money was what I wanted. I wasn’t prepared to work hard for my money legally by holding down a regular job. I wanted lots of money and I wanted it quick. The only way that I could do that was illegally. That was the mindset I had: ‘get the paper’ by almost any means necessary. This mindset led me to get involved with drugs, it was a natural progression, why wouldn’t I? Most of the people I knew were involved with them, and there was both a ready supply and a consistent demand, so I put my entrepreneurial skills to work. Along the way, I have seen various friends and family members find themselves on the wrong side of the law, or worse still, ending up dead or seriously injured as a result of choosing to make a living in this way. Even today, I see many young people aspiring to this kind of lifestyle and unfortunately, there are some that, through no fault of their own, find themselves in environments where it is very difficult to choose any other lifestyle. I am convinced there is a better way. As much as there are seemingly impossible circumstances into which some people are born, circumstances that make it difficult for them to desire to create wealth through legal routes, I have heard powerful stories - and have my own personal testimony - that through persistence, it is possible to change one’s mindset and turn things around
  27. 27. Through my own pursuit of knowledge since leaving school, I became able see that if I truly wanted to, I could master any subject in life, whether business or science, finance or management, it didn’t matter. All I had to do was make a decision and commit to doing the right things and finding the right support. By reading the biographies of people that are wealthy, it dawned on me that many of them had come from backgrounds that were similar, if not worse, than my own. What they had learned to do was to apply certain principles and attitudes; in order to turn their fortunes around. I decided that if they could do it, then I could, too. I felt that becoming educated about money was going to be key to me enhancing my prospects and realising some of my dreams. I needed to learn to become financially literate. Robert Kiyosaki writes about this really well in his book entitled “Rich Dad, Poor Dad”. What I mean by financial literacy is being able to understand, and to speak, the language of money: understanding how money (or currency) works, and how it can work for you. Along my journey towards personal financial freedom, I have learned many lessons along the way. One of the most important of those was to change the way I thought about money. You may often hear people say that ‘money is the root of all evil’. Maintaining that view could lead to a careless attitude towards how money is managed. By doing so, we can end up not giving money the value or apprecia- tion it is due. It’s almost as though for some, wealth and success are seen as good enough for others, but not quite good enough for us. This belief that money is the root of all evil is based on a scripture in the Bible that has been widely misinterpreted. Here is what the scripture actually says in 1 Timothy 6:10: “For the love of money is the root of all kinds of evil”. Here’s what another translation says: “But if it's only money these leaders are after, they'll self-destruct in no time. Lust for money brings trouble and nothing but trouble,” (The Mes- sage). It is true that, when obtaining money is your number one priority and you love money above everything else in life, you are in danger of ending up in a mess. Money is not everything. To me, so many other things are more important, such as my relationships with God, my family, my friends. However, money in itself is neutral; it is neither good nor bad. What makes money good or bad is what we choose to do with it, and perhaps what we are willing to do to get it.
  28. 28. When money becomes such an important thing to us that we believe we will do anything to get it, evil is sure to follow. “To make money is a goal in life but not our purpose,” —ERROL LAWSON Those with the mindset that making money is their only purpose will be willing to rob, steal, deceive, and even kill to obtain it. But, there are many people are using money to do great things. A lady who is an outstanding example of this is someone I referred to earlier, Oprah Winfrey, the billionaire chat show host and business woman. Recently, Oprah spent £10m on opening up a brand new, purpose-built, state-of-the-art girls’ school in a deprived part of South Africa. Bill Gates, the founder of Microsoft and one of the world’s richest men, is another wonderful example of individuals who are improv- ing the lives of others through philanthropic endeavours. Each year, he donates millions of dollars to charities and good causes. Likewise, footballer David Beckham, inspired by the opportunity he was given as a young boy to attend the Sir Bobby Charlton Soccer School, has invested millions of pounds in creating David Beckham Soccer Academies around the world. These academies give young people the opportunity to train and receive high-level coaching in fantastic facilities. In each of the above situations, we find examples of people who understand the importance of being generous and giving back to those in need. If we are ever going to be truly wealthy, we must learn and understand the importance of giving. I firmly believe that everything belongs to God by right of creation. It is by His grace that He allows us to partake of it. I believe if we steward or manage what has been given wisely, we will find that God will entrust us with more. Being generous with our money and helping those who are less fortunate or less able demonstrates what we are most passionate about. There is a verse in the Bible that says: “Where your treasure is, there your heart will be also”. —MATTHEW 6:21
  29. 29. If you want to know what you value most in life, look at your bank statement and see where you spend most of your money. Age ain’t nothing but a number I’m dedicating this part of this chapter specifically to encouraging young people under the age of 18. If you are reading this and are the parent of a youngster, you need to catch what I’m about to impart. Likewise older brothers, sisters, aunts, uncles, grandparents, cousins, mentors and educators, this is for you too. Children are a precious gift from God that are highly valuable and should be treated as such. The dismissive ‘be seen and not heard’ culture inflict- ed by society, that most have adopted towards young people, particularly those under the age of sixteen, must come to an end.... Like many other young people growing up in inner city Birmingham, I didn’t understand that it was possible to be legally and financially successful even before I was 18 years old. Now I encourage every young person I meet to get away from the idea that it’s impossible for them to develop an idea or start a business before they’re old and grey. There’s nothing to stop you at age 13, 15, or 17 from starting your own business and becoming a successful person. If you have a great idea and the tenacity to see it through, anything is possible. It may not work out first time but, with determination and perseverance, you may find that what once seemed impossible is achievable. I love what the poet Sam Beckett said. “Ever tried, ever failed. No matter, try again, fail again, fail better.” Make your money work for you As I mentioned earlier, the key to lasting financial freedom is having a good financial education and developing your financial literacy: understanding the language of money. I would like to help by outlining some of the key principles that, if implemented on a consistent basis, can help you attain financial freedom. To help you make a start on understanding the language of money, let’s get a good understanding of two of the most common words you’re likely to come across when dealing with your finances: income and expenditure. Now, I know this may seem obvious to some of you, but hear me out. Income is the money that flows into your account, from your job or from your parents, for example. Expenditure is the money that flows out of your pocket: that you spend on clothes or gadgets, for example. The key thing to know, that you may not yet have learned is that there are 3 main types of income. You need to decide as early as possible in your life
  30. 30. which type of income you would like to achieve, and begin to focus your efforts on attaining it. Let me explain the 3 types of income. The first type of income is Earned Income. Earned income comes to you via a salary; here, your employer or contrac- tor will pay you an agreed amount of money for working an agreed length of time. The bottom line is, if you don’t turn up to work, you don’t get paid. Earned income can be money that you earn either as an employee or as a self- employed person. This is the route we are taught to follow at school: “Get a good education and then get a good job”. This income stream alone is a safe way to obtain money, but the way in which you are least likely to create great wealth. The second type of income is Passive Income. Passive income is money that you earn ‘whilst you are sleeping’. This money may come to you from assets, such as property or other investments. In other words, you are not working for your money; your money is working for you. It is known as passive income because you do not need to be directly involved in generating it, although you would need to put some extensive work in at the early stages. The author Robert Kyosaki, in his book Rich Dad, Poor Dad, defined the final type of income stream as Portfolio Income. This type of income comes from Stocks, Bonds or ISAs. It can also come from royalties. For example, if you are a music producer, you will be paid royalties every time your song is played on the radio because you own the copyright. Each of the areas requires a slightly different approach. Deciding which area we choose to earn our income from will in turn determine what we need to study, and the different people we will need to connect with along our journey to help us get to our destination. Earned income is where we are all likely to start. As such, our earned income is our most powerful tool. To effectively manage your earned income, it is essential that a budget is created. Most people say they don’t have the time to make a budget, but the truth is, you don’t have the time not to make a budget! What a budget helps you to do is spend your money intentionally. A budget is basically just a PLAN. When you budget, you're spending on paper, with intention, before the month begins. Sure, it may be a little bit tedious and unpredictable at first, and it may take a few months to see the benefit, but imple- menting a budget into your everyday life will help you control your spending, live with a plan, and build wealth so you're not worrying whether you will have enough money at the end of the month. “A budget is telling your money where to go instead of wondering where it went.”
  31. 31. —DAVE RAMSEY Most people rely solely on earned income, either because they get stuck or they get comfortable. However, the ultimate goal is to have multiple income streams from all three types of income (though the most affluent see a greater percentage of their income achieved from passive endeavours than those who are less wealthy). Staying out of Debt: Pay Yourself First Let me make it known - ‘bad debt’ is not your friend. Mainly because I had very little financial education about money, I struggled to stay out of ‘bad debt’. I emphasise ‘bad debt’ because I believe there is a type of debt that, if managed appropriately, can be beneficial. I don’t advise it, but I think there are occasions when we can use debt to help us in a positive way. For example, if you wish to either start or invest in a business that you’ve researched well, and that you are confident is going to make you a profit, then taking a loan from the bank to aid this endeavour is classified as ‘good debt’. For years, I found myself spiralling deeper and deeper into debt. A combination of bad spending habits and bad business decisions left me always short of money at the end of the month. This was until I was inspired by a great book called “The Richest Man in Babylon”, by George Clason, which gave me the push I needed to begin to wage a war on my debts. I began by making a list of all my Creditors (the people I owed money to) and how much I owed them, which I then turned into a spreadsheet. Now, with a clearer picture in my head of what was outstanding, I began to think of how I would pay them all. Below is an example of the formula I used to turn the situation around: At the time I earned £1000 per month after tax. The first 10% (£100) I tithed (gave back) to God via my local church. The second 10% (£100) I saved. The third 10% (£100) I set aside for investments. This then left me with £700 to pay my bills and for living costs. I then made the bold step of contacting each of my creditors to make individual arrangements to pay back what I owed. Some agreed to £20 per month, others up to £100 per month. It wasn’t easy, but I was determined that I wasn’t going to live my life in debt anymore and I
  32. 32. was going to take responsibility for the situation. I made up my mind that I was going to change my priorities. Instead of allowing the red letters and pressures from credi- tors to make me afraid and cause me to decrease my expendi- ture, I decided to use it to inspire me to create more income. I had a choice: either I allowed the severity of the situation to defeat me, or I could approach the problem as one that simply needed to be solved. I chose the second option and from that point forward, made sure that every month, each of my creditors got an agreed amount of money towards what I owed. With the money left over, I was able to put aside for savings and investments as well as to invest in assets that would increase in value and make me a profit in the long term. The mistake a lot of people make is to quickly pay off their debts as soon as they come into a big cash windfall and then find themselves, within a few short months, back in debt because they didn’t put anything aside. It’s so easy, as a young person, to get into the habit of spending money on things that are not needed in an attempt to increase ‘street cred’ so as to be accepted by peers, as has already been mentioned in an earlier chapter. But to get the best start in life, it is necessary to do what the wise and wealthy do: save as much as you can of what you earn so that you have money readily available to invest when the opportunities come your way. It is also prudent, not to spend more than your total income. Develop the habit of discipline and saying “no” to those things that you can do without, or that you can perhaps borrow from someone else to meet your immediate need. More great ideas of how you can create and manage your finances in From the Post code to Globe get your copy now.

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