This document lists 11 reasons for failure in one's career and personal development, including not acting on information from self-help books, being unable to envision oneself as successful, preferring television over self-improvement, lacking clear goals, seeing commuting time as unproductive, prioritizing immediate enjoyment over long-term goals, focusing on spending rather than saving from salary increases, believing one needs money to make money, worrying more about job security than happiness, worrying what others may think about self-development activities, and never pursuing dreams due to lack of follow-through.

1. 11 REASONS FOR FAILURE H R M DEPT –CO-UBI

2. You never act on the information you read in Self-help books.

3. You can never imagine yourself as a success.

4. You'd rather watch television that work on your personal development.

5. You do not know EXACTLY where you want to be in five years time.

6. You think that commuting time should be spent reading a newspaper or listening to the radio

7. You believe that you should enjoy life whilst you can.

8. You look at what you can buy with your salary increase - not how much you can save

9. You believe that you can only make money if you have money

10. You worry more about job security, than how happy you are

11. - You worry what your family and friends would think about you if you read or listened to self-development material

12. You have something that you have always wanted to do, but never got around to doing it. And you know you never will