"Obstacles are those terrifying things you see when you take your eyes of your target' (Henry Ford) Obstacles must be dealt with or else your ambitions will never become reality. The first point to address obstacles is your goals themselves and that's what Henry Ford realised. With a clear goal and a plan of action, obstacles will fall away. Goals are not just an outline of goals They give you motivation as well as the courage to tackle challenges. The path to wisdom When we face challenges in our lives, we learn and develop, especially if we take an inner journey through Dante's dark wood. In the Divine Comedy Dante, at the midst of a rough time in his life, awakes from his sleep and is found on the edge of a wood. Then, being aided and encouraged by Virgil as his guide for the beginning of the journey he understands that only the best way to reach the summit, which is Heaven is to go into the darkness of the forest (Hell) before proceeding to Purgatory and finally Heaven which is the summit of the mountain, where the love of his life, Beatrice. Visit:- https://cominggames.com/ We, like Dante must acknowledge the advantages of accepting the pain instead of trying to avoid it. Being able to deal with the emotional aspects of money is an effective way to gain insight into ourselves as well as gaining confidence and wisdom within ourselves, as well as helping make better and more mature decisions with regard to money. It is my assertion that it's more in the way of the procedure as it is the strategy. Pain You will have to confront deep emotional pain as you journey through your own dark woods and you'll need to realize that, in a paradox, accepting pain brings relief. You might have been through this when you were preparing your financial statements. You may have felt fear, anguish, anger or shame. If you have persevered, you'll come out in the end with a an elation and excitement. Once you have a clear picture of what you're doing and you are able to address the issues that arise and set out a course to your goals. Dealing with obstacles is about meeting reality head on and finding the truth about you, which often results in pain and discomfort. If you're in debt beyond your means, talk to your lender. Don't try to run away. Actually, start the conversation before they come to you. Any discomfort you feel in facing obstacles must be embraced. It might involve a trek through your own "dark wood" and as Dante and others have noted, this is often the best way to reach the desired goal. It is essential to deal with external obstacles, especially financial obstacles and the consequences of our goals for our long-term financial security. Also, it is essential to confront internal obstacles with a straight face, particularly dependence, false beliefs, blocks and ignorance. You can harness your emotions by turning back to your goals. If you know where you are headed, and the goal is important for you, you'll be energised, imaginative, creative, able to overcome any financial, practical or emotional hurdles. Changing habits The transition from where we are to where we are aiming for requires change. For many, change is difficult and painful, even though it is necessary, particularly in the context of a life and financial plan, it is the process that brings happiness. Accepting and celebrating change has to be part of your plan. However, life is often a succession of habits, some positive and some not so good. To break out of these habits means leaving the comfort zone, and this is the reason why the pain. However, good habits lead to improvement, self-development and perfection, something that is common to every plan. We all want to become more proficient in our work and who we are. Aristotle recognized this two millennia long ago. He wrote that excellence is an art won by the practice and the habit. It is not the case that we act correctly simply because we are a good person or excellence, we more often have them because we've acted correctly. We are what we repeatedly do. Therefore, excellence isn't an act, it's an habit.' James Prochaska and his colleagues conducted extensive research on personal change, specifically breaking bad habits. They found that successful personal change is not only about planning and willpower. It is a process, and if change of any kind is an essential component of your plan, an understanding of the process, described within their publication Changing for Good, will prove to be a huge help. Prochaska identified six phases to creating personal change: contemplation, contemplation, preparation, action, maintenance and termination. The discoveries Prochaska and his team gathered were to pinpoint the most effective tools for each stage. Practical obstacles Practical obstacles to achieving your goals usually are affected by your personal circumstances. Solutions are usually located in better personal organization and administration, time management, project management, and other transferable business skills. It is important to put an amount of value to your time. If we can't put an amount on the time we spend, then how can we know if we're spending it wisely? Once you have a clear understanding of the importance of your time, you can make informed decisions about what you personally should be doing, and what work are best delegated to others. To do so it is necessary for your time to be valued in monetary terms and one method of doing this is to calculate a market-based valuation. This strategy has its merits and is particularly beneficial for those working who is in a consulting or advisory position whose primary goal is to offer their time to earn pounds. It uses as a starting place the similar earnings for employees working in the same position. The ads for job openings should give an acceptable amount. Then simply multiply this number by 0.003. The effect of this is to transform an annual salary into an hourly fee for the task (x0.001) that is then uplifted once to cover overheads, and then again to create an income margin (x3). This is a simpleand effective way of putting a amount to the hours you work, and creating a price at which you can charge your time. However, for business owners who intend on making their business a source of income to fund their ideal lifestyle it has a serious flaw, namely, that the market rate does not reflect their own earnings requirements. To do this, a goal-based method of valuing time is much more meaningful and individual and the most popular method is the one developed by Dan Kennedy (who provides much helpful advice for managing time). If you know that you want to earn PS200,000 a year For instance, by doing a little number work you'll be able assess what your time worth on an hourly basis. And knowing what the value of your time will enable you to see when you're wasting your time. As a second consideration Consider your options for holidays. If you're employed, the amount of vacation time available is a key consideration. The most important question about holiday time is 'how many days of holiday do I have access to every year? If you're a family with an entrepreneurial mindset but your perspective will be completely different. You will be asking yourself : How much time do I want to work?' and consequently how much time I would like to spend relaxing.