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The last World War finished in 1945. Baby boomers are entering retirement. Who is left to teach us how to cope with adversity?

Advertising puts words in our mouth that say: "I want it - and I want it now!" do you realise there was a time where credit cards were not around. When you wanted to buy something beyond your weekly budget you had to save for it. Like a home or an automobile. You had plenty of time to sort out in your mind what was a worthwhile goal as opposed to the "I-want-it-now" impulsive desire.

Take a sabbatical. Sometimes it's good to shut down the clamour and get to listen to your own silence. Move up to a higher plane and sort out the trash from the important.

It is difficult to save when you don't know what your weekly or monthly budget is. It is impossible to maintain your resolve against all the temptations flying your way. You have to do your homework and be quite certain in your mind why a given goal is important to you and why it deserves the resources set aside for it.

It is amazing how creative and diligent people become in their time of lack. Likewise it is sickening to see how people are sloppy and degenerate when they have too much. There is also a law at work here. The more tight-fisted you become, the more your resources seem to dwindle. The more aware of the plight of others around you, then the more you seem to be able to channel help through your hands...

The recession is a wake-up call for many. You can no longer assume that the good times will keep rolling on just because you think you deserve it.

Living in abundance is easy although somewhat unchallenging. Real men are to be found wherever there is a challenge to meet. Real women are to be found sticking by their mate through what may come. If she left at the first sign of disruption then she probably didn't belong to you in the first place.

Adversity has the knack of sorting out the real people from the fakes. Reading the biographies of great achievers you find many were not born with a silver spoon and had their share of hardship.

So if things just do not pan out the way you want - brace yourself and stand-up. Your opportunity might just be in seeing yourself through it...

Don't just wish for things. Make them happen. Wise Accounts is an online tool to manage your finances while
Goal Setter is another online tool to document and track your progress towards your goals. Take advantage of these resources.

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