You want to improve your health, finances, your life. You really want to go forward towards your goals, but you’re afraid of what it takes to accomplish a change. A world of changes where everybody stays the same photo: woodleywonderworks Everybody wants to change something, but everybody is also scared of it. Have you noticed how most people, when talking about change, want the change to come from someone else? The government, a company, their employer, their spouse or friends. Rarely we find someone who truly understands that any change worth making comes from within. And that’s not surprising, humans are creatures of habits, we cherish both comfort and safety, and we find them in routine. However messy and always-changing the lives of some of us are, they still provide habits and comfort, if only by their unpredictable nature. It can be the food you’re eating, the TV you’re watching, but most importantly the image that other people have of you. Change IS scary. Why? Simple: you know you can survive in your current situation, you know you can handle how people see you, because you are! But any change that threatens the status quo begs the question: will I survive this? How much pain might I encounter along the way? Will I succeed? Will I fail? How people will look at me either way? It doesn’t matter whether it looks like a good change or not, if it is significant enough, fear always creeps up. It doesn’t mean you should…

You probably have had or still have a student loan, a mortgage, or some credit card debt. The concept of a debt is easy to grasp, you borrow something from someone, and you have to give it back, with interests. If you don’t pay it back according to the agreement, you increase the debt, and hence the leverage against you. And if you have too many debts and you can’t pay them all easily, you get overwhelmed, stuck. A debt will keep you in line and working so you can reimburse it. What do you think of all these things you have to do? Submit a report by tomorrow, mown the grass, talk to your spouse about the kids’ education, gather the courage to finally ask for a raise or quit your job, read a dozen books to increase your skills, and probably more. Each time you decide you should do something, whether you actually put it on your To-Do list or not, you make a contract with yourself (or someone else), that says that you will get it done in a reasonable amount of time. As the time goes by and until you fulfill the contract, you feel more and more in debt, and increasingly more stuck with all the items on the list. These moral contracts might prevent you to plan a week-end trip the same way your financial debts can. You feel bad about yourself for not keeping up enough, so you increase the speed, try to…