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	<title>Wealth of Knowledge &#187; Attitude</title>
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		<title>Dreams for Our Children</title>
		<link>http://yourfinancialdiva.com/dreams-for-our-children/</link>
		<comments>http://yourfinancialdiva.com/dreams-for-our-children/#comments</comments>
		<pubDate>Sun, 25 Jul 2010 01:49:21 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Attitude]]></category>

		<guid isPermaLink="false">http://yourfinancialdiva.com/?p=629</guid>
		<description><![CDATA[As parents, we naturally have dreams for our children. That is part  of being a parent. However, I am finding these days that too many  parents are a little obsessive about their dreams for their children.
As many of you know, I have three boys, Derek is 8 years old, Nathan  is 6 [...]]]></description>
			<content:encoded><![CDATA[<p>As parents, we naturally have dreams for our children. That is part  of being a parent. However, I am finding these days that too many  parents are a little obsessive about their dreams for their children.</p>
<p>As many of you know, I have three boys, Derek is 8 years old, Nathan  is 6 years old and Shawn is 4 years old. Derek has been in sports for  almost three years now and Nathan has been in for a full year. We have  experienced Soccer, Baseball and Football. I absolutely love sports for  my boys. It keeps them active, it teaches them discipline, it helps them  focus, just to name a few of the benefits. But, the number one reason  my boys are there is because they want to and they themselves are  extremely passionate about it.</p>
<p>Unfortunately there is a dark side to children&#8217;s sports. Any of you  out there that have children in sports knows exactly what I am talking  about. There are always those parents that take it to a whole new level.  Last night I witnessed a mother trying to carry (physically forcing)  her young son of six out onto the practice football field. After several  minutes of this, the head coach went over and talked to them. This is  not something that should be happening people! That little boy should  not be on that field if he does not want to be, especially with  football.</p>
<p>Don&#8217;t get me wrong, I am a no nonsense mom that does not take garbage  from my children. I remember sending my 3 year old to swim lessons at  the local pool crying and letting them work it out the first couple of  sessions. I have also witnessed children crying at the first practice of  baseball or soccer because they did not want to be there. I have seen  some of those children quit and I have seen some completely turn things  around and love the sport once they give it a chance. But, I have never  seen someone physically try to drag their child on the field and force  them to play.</p>
<p>Football is an extremely demanding sport and conditioning is  certainly no picnic in the park. The thought of that poor boy being  forced to go through something that grueling in 90 degree heat without  even wanting to be there really breaks my heart.</p>
<p>The other thing I see out there is when the parent feels the need to  force themselves on the coaches and the referrees/umpires. When, they  are sitting and talking strategy at the first meeting when it is seven  year olds playing soccer. When they are screaming at their children from  the sidelines and completely humiliating them in front of their  teammates. Childhood sports are supposed to be fun and educational for  the children. Yes, they definitely get more competitive as they get  older. But as a parent, aren&#8217;t we supposed to be there to encourage them  and support them so they can develop the skills they will use the rest  of their life in the real world and let the coaches take care of the  discipline and coaching on the field?</p>
<p>I just felt like I had to say something for the little guys out there  on the field giving it their all. You and I both know it means the  world to them to be out there on that field. We both know all they want  to do is play their heart out and make you and their coaches happy and  proud. How about we change our way of thinking and let them play the  game while we cheer them on from the sidelines?</p>
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		<item>
		<title>Nature&#8217;s Fury</title>
		<link>http://yourfinancialdiva.com/natures-fury/</link>
		<comments>http://yourfinancialdiva.com/natures-fury/#comments</comments>
		<pubDate>Thu, 27 May 2010 18:53:31 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Attitude]]></category>
		<category><![CDATA[Nature]]></category>

		<guid isPermaLink="false">http://yourfinancialdiva.com/?p=610</guid>
		<description><![CDATA[Natural beauty is all around
Almost everywhere you look
Time to let all the stresses of my life go
Under these beautiful tree&#8217;s
Relax and let the sun melt away my problems
Easy as can be
Safe from all the worries that have plagued me
Fast and furious they go
Under Mother Nature’s care
Replaced with peace and serenity
You’ll never know it was there
]]></description>
			<content:encoded><![CDATA[<p><strong>N</strong>atural beauty is all around</p>
<p><strong>A</strong>lmost everywhere you look<img class="alignright size-thumbnail wp-image-611" title="048" src="http://yourfinancialdiva.com/wp-content/uploads/2010/05/048-150x150.jpg" alt="048" width="150" height="150" /></p>
<p><strong>T</strong>ime to let all the stresses of my life go</p>
<p><strong>U</strong>nder these beautiful tree&#8217;s</p>
<p><strong>R</strong>elax and let the sun melt away my problems</p>
<p><strong>E</strong>asy as can be</p>
<p><strong>S</strong>afe from all the worries that have plagued me</p>
<p><strong>F</strong>ast and furious they go</p>
<p><strong>U</strong>nder Mother Nature’s care</p>
<p><strong>R</strong>eplaced with peace and serenity</p>
<p><strong>Y</strong>ou’ll never know it was there</p>
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		<item>
		<title>Infuse Passion into Your Life</title>
		<link>http://yourfinancialdiva.com/infuse-passion-into-your-life/</link>
		<comments>http://yourfinancialdiva.com/infuse-passion-into-your-life/#comments</comments>
		<pubDate>Wed, 21 Apr 2010 18:45:31 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Attitude]]></category>
		<category><![CDATA[Passion]]></category>

		<guid isPermaLink="false">http://yourfinancialdiva.com/?p=605</guid>
		<description><![CDATA[Passion&#8230;Do you have it in your life? What is passion to you? Do you  want more of it in your life? Are you wondering how you would go about  doing that?
Passion is a funny thing that people seem to misunderstand. So many  people go through life without keeping it in the forefront [...]]]></description>
			<content:encoded><![CDATA[<p><img class="alignleft size-thumbnail wp-image-606" title="031610 (1)" src="http://yourfinancialdiva.com/wp-content/uploads/2010/05/031610-1-150x150.jpg" alt="031610 (1)" width="150" height="150" />Passion&#8230;Do you have it in your life? What is passion to you? Do you  want more of it in your life? Are you wondering how you would go about  doing that?</p>
<p>Passion is a funny thing that people seem to misunderstand. So many  people go through life without keeping it in the forefront of their  reality. They may experience it for a fleeting moment, but they let it  go and are okay with letting it slip through their fingers.</p>
<p>Think about it, do you remember when you met your current love  interest (spouse, girl/boyfriend)? The fire that lit inside of you every  time you saw them, the feeling you had when your hands touched&#8230;I am  sure that life has taken away at least some of that emotion and fire.  Life tends to do that. People tend to live their life unconciously. They  just go through the motions, with their spouse, with their children,  with their careers. Ask yourself this question&#8230;Are you really living  the life you want to live or are you just going through the motions  because it is what you &#8220;should&#8221; be doing? What would happen if you  infused a little passion into your life?</p>
<p>Take my five year old son, Nathan, for example. He is a little bundle  of energy (as most five year old boys are). Sometimes he is a little  hard to handle with all that energy pent up inside of him. However, we  have started baseball with him this year. He LOVES baseball! He has been  watching his brother play for two years now and he has been chomping at  the bit to get out there himself. Now, it is his turn. It is like  something clicked and the fire ignited inside of him. Most five year  olds have a very difficult time focusing out there on the field.  However, Nathan has had the fire of passion ignited inside of him. He is  like an animal out there! I have never seen him so focused and he  always seems to know exactly what to do. All of his skill sets are being  used to the best of their capacity and he is completely in his element.  It blew me away to see this transformation.</p>
<p>What about your life? What would happen if you ignited the fire of  passion? In your relationships? In your career? In your dreams? Do you  feel lost and like a little bundle of energy that doesn&#8217;t know what to  do or where to go? What if you took some time to figure out what your  passion was and started to focus some of your energy there. How would  your life change?</p>
<p>Think about it&#8230;</p>
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		<title>Crossing the Finish Line</title>
		<link>http://yourfinancialdiva.com/crossing-the-finish-line/</link>
		<comments>http://yourfinancialdiva.com/crossing-the-finish-line/#comments</comments>
		<pubDate>Mon, 19 Apr 2010 19:14:49 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Attitude]]></category>
		<category><![CDATA[Finishing]]></category>

		<guid isPermaLink="false">http://yourfinancialdiva.com/?p=602</guid>
		<description><![CDATA[Reaching the finish line, is there a better feeling? I have described  tax season to many people like running a marathon at a sprint.

You get winded early, but your body and mind adjust.
You have to focus to succeed.
Sometimes you may trip, but you have to pick yourself up and  carry on.
You can&#8217;t stop&#8230;too [...]]]></description>
			<content:encoded><![CDATA[<p><img class="alignright size-thumbnail wp-image-603" title="iStock_000003294725XSmall" src="http://yourfinancialdiva.com/wp-content/uploads/2010/04/iStock_000003294725XSmall-150x150.jpg" alt="iStock_000003294725XSmall" width="150" height="150" />Reaching the finish line, is there a better feeling? I have described  tax season to many people like running a marathon at a sprint.</p>
<ul>
<li>You get winded early, but your body and mind adjust.</li>
<li>You have to focus to succeed.</li>
<li>Sometimes you may trip, but you have to pick yourself up and  carry on.</li>
<li>You can&#8217;t stop&#8230;too many people are counting on you.</li>
<li>After it is all over, you feel like you are on top of the world.</li>
</ul>
<p>In years past, I had a very difficult time reaching the finish line. I  was miserable during tax season because of how it affected me, my  family and it seemed like all aspects of my life. This year, I actually  enjoyed tax season. I took my favorite parts (meeting with clients and  putting the pieces of the tax return puzzle together) and focused on  that. I was thankful for every client I had this year and every chance I  had to learn a new lesson and grow my mind and practice. Part of me is  actually sad to see tax season go!</p>
<p>What do you have in your life that you can reframe your perception  on? What is going on in your life that you can shift the focus and find  the silver lining in the clouds? Rather than having that picture of a  boxer in the ring being sucker punched, picture yourself as that  marathon runner breaking the tape at the finish line. It&#8217;s amazing what a  little shift in attitude can do.</p>
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		<title>Persistence &amp; Persuasion</title>
		<link>http://yourfinancialdiva.com/persistence-persuasion/</link>
		<comments>http://yourfinancialdiva.com/persistence-persuasion/#comments</comments>
		<pubDate>Sat, 27 Feb 2010 00:06:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Attitude]]></category>
		<category><![CDATA[Perseverance]]></category>

		<guid isPermaLink="false">http://yourfinancialdiva.com/?p=590</guid>
		<description><![CDATA[My mom has never been bashful about what a challenge I was to raise. I was stubborn, strongwilled, in your face and I never stopped talking. As I mentioned above, I was not a bad child. I never acted out maliciously, I was just a challenge to raise with such high spirits. The funny thing [...]]]></description>
			<content:encoded><![CDATA[<p>My mom has never been bashful about what a challenge I was to raise. I was stubborn, strongwilled, in your face and I never stopped talking. As I mentioned above, I was not a bad child. I never acted out maliciously, I was just a challenge to raise with such high spirits. The funny thing is, a few years ago I saw a report on one of those news magazines that having a child like that is actually very good when they become adults. In my case it was very true, all of those traits have definitely worked in my favor. I like to think I am quite a successful woman in many different areas of my life and what was once a challenge for my mom to deal with has turned out to be some of the main reasons I am successful.</p>
<p>However, I am now the mother of three boys that all have some degree of those traits, plus some of my husbands. My youngest, Shawn, has always been the most like me in almost every way. This weekend proved it. I have to give you a little warning&#8230;this is for all the parents out there! This story is a little gross, but absolutely hilarious. Many of you will be able to relate.</p>
<p>With all three of my boys, we have taken them out of the crib and put them in a toddler bed at 15 months old. We make sure the entire bedroom is child proof and put a lock on the door so they cannot get out of their room and fall down the stairs or get into any other trouble. We make sure they have plenty of books to read and toys to play with. We do this until they are ready to come out at night and go potty, about three or four years old. It has worked very well for the older two boys who are now five and seven. So, we followed suit with Shawn our three year old.</p>
<p>This past week we took the lock off of his door because he is ready to get rid of the Pullup at night. He has been potty trained during the day for over a year now and his bladder is about ready to go without Pullups at night. Well, he is still three, so he kept coming out of his room at insane hours and playing and making noise&#8230;enough to wake up his brothers. On Friday of last week I had had it. I had Matt put the lock back on his door. We talked to Shawn about why and said when he showed us he was ready again we would take the lock back off and try again. I showed him&#8230;.right? Mama&#8217;s got this all under control&#8230;Or not.</p>
<p>Fast forward to Sunday morning, I walked into Shawn&#8217;s room for a second and thought I smelled something. Didn&#8217;t think much of it at the time. When I walked back in there, Matt was helping Shawn pick his clothes for the day. I started sniffing&#8230;I could smell something and it was not pleasant. Matt couldn&#8217;t smell anything because &#8220;his sniffer is broken&#8221;. I say to Matt, &#8220;Do you smell that? It smells like poop in here.&#8221; He doesn&#8217;t smell anything. I start sniffing around the room and asking Shawn if he had pooped in his room. I look over at him and his eyes are as big as saucers and he says, &#8220;NO&#8221;. There was an Elmo chair knocked over and I kick it out of the way&#8230;I am on a mission now. Something smells like poop in this room and I am going to find it.</p>
<p>As I am sniffing around Matt and I are grilling Shawn and he is assuring us that he did not do anything. All the while I can tell by his little face he did. Finally, I stop, look at Matt and say, &#8220;There is a steaming pile of poop in here somewhere. We just have to find it.&#8221; Finally Shawn starts fumbling over his words saying, &#8220;I had to go potty and I couldn&#8217;t get out!&#8221; We gently ask him where it is and he walks over and moves his big 4X4 Jeep which was sitting over it. Yes, he had pooped on his carpet.</p>
<p>Matt and I started laughing so hard! Matt composed himself quite quickly and started telling Shawn that was not a good idea and got to cleaning up the mess. I, however, had to leave the room. I was hysterically laughing. I walked out of the room and into my bedroom and closed the door. I picked up the phone and called my mom. I was laughing so hard she could barely understand a word I said. The first words I spoke were, &#8220;There is no denying Shawn is my son!&#8221; I proceeded to tell her the story through laughter and tears. I had to repeat myself several times because I think only dogs could understand me with my shrieks of laughter.</p>
<p>Now, I want to make something very clear. I would have never done what Shawn did. However, the reason I saw that mirror clear as day was because of his gumption. I have always been the type that if someone thought they had shown me, I would turn around and show them.</p>
<p>Believe it or not, there is a very important lesson Shawn taught me that day other than the fact that laughing that hard is a good workout. People are going to knock you down. You may want something really bad and someone is going to tell you you are not ready or you can&#8217;t handle that yet. You have to pick yourself up and prove them wrong. I am not sure Shawn went the best route at doing that, but I will tell you, we are not locking the door any more and he has been much better about coming out when he is not supposed to. Don&#8217;t let people stifle your dreams. When someone tries to block you, figure out another way around it. You have to be persistent. If there is no way around them, find a way to persuade them to your side. You would be amazed at what you can do if you just try.</p>
<p>Thank you Shawn for that wonderful lesson. You are such an amazing teacher at three years old.</p>
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		<title>Mojo and Money</title>
		<link>http://yourfinancialdiva.com/mojo-and-money/</link>
		<comments>http://yourfinancialdiva.com/mojo-and-money/#comments</comments>
		<pubDate>Thu, 07 Jan 2010 19:48:07 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Attitude]]></category>

		<guid isPermaLink="false">http://yourfinancialdiva.com/?p=550</guid>
		<description><![CDATA[
I believe it was September when I actually realized my mojo was missing. I was having dinner with some girlfriends and we started discussing it. I started thinking about myself back in high school and college. I just presented myself different. According to my husband, I walked with a strut (he later explained it to [...]]]></description>
			<content:encoded><![CDATA[<p><img class="alignleft size-thumbnail wp-image-551" title="iStock_000003138127XSmall" src="http://yourfinancialdiva.com/wp-content/uploads/2010/01/iStock_000003138127XSmall-150x150.jpg" alt="iStock_000003138127XSmall" width="150" height="150" /></p>
<p>I believe it was September when I actually realized my mojo was missing. I was having dinner with some girlfriends and we started discussing it. I started thinking about myself back in high school and college. I just presented myself different. According to my husband, I walked with a strut (he later explained it to be that I walked with a purpose). In other words, I am going somewhere, move out of my way. I was never malicious or mean to anyone, that is just not my style. But, I knew what I was doing, where I was going and no one had better get in my way or I would let them know about it. It definitely got me in some hot water when I was younger, because insecure people would try to bring me down. But, I never wavered. My method of operation was to feel the sting, cry (just a little bit) and then get really ticked off. That was when I would turn into a bulldozer. It was like, &#8220;Oh, you don&#8217;t think I can do this? Well, let me show you how wrong you are!&#8221; I did it in college with difficult professors, I did it at the beginning of my career with difficult Seniors and Managers. I LOVED proving them wrong.</p>
<p>Then, I had my first son and I was thrown into a tailspin. Anyone that has ever had children knows the tailspin I am talking about. Suddenly, I don&#8217;t have complete control anymore, I can&#8217;t just &#8220;prove him wrong&#8221; to make myself feel better. Things weren&#8217;t nearly as cut and dry. Also, finances became much more complicated. Budgeting was more difficult, there was a lot more to think about. And, to top it all off, I had this little man completely depending on me. Wow, that will rock your world. Now, I don&#8217;t want to completely bore you with all the things that have beaten me down over the last eight years, but I am sure you understand. Life has taken my mojo away. It is still there, somewhere, it is just hiding from me.</p>
<p>I can see now, the consequences have been significant. I feel like I have become this totally wimpy victim. With that, comes blaming others for my situation. Whether it is dealing with the down economy or dealing with difficult clients. I haven&#8217;t had the same fire lit up under me. Well, that has all changed. Whenever I feel my shoulders slump, I immediately put them back. Every time I start to see that wimpy Kristi come back, I immediately think of that feisty girl I used to be. I am slowly, but surely, bringing her back. There is no longer a victim here. I own it! I know who I am and what I am here to do. Okay Universe, watch out, Kristi&#8217;s got her mojo back!</p>
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		<title>Focus</title>
		<link>http://yourfinancialdiva.com/focus/</link>
		<comments>http://yourfinancialdiva.com/focus/#comments</comments>
		<pubDate>Tue, 05 Jan 2010 00:26:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Attitude]]></category>
		<category><![CDATA[Balance]]></category>
		<category><![CDATA[Focus]]></category>

		<guid isPermaLink="false">http://yourfinancialdiva.com/?p=505</guid>
		<description><![CDATA[Dictionary.com defines focus as &#8220;a central point, as of attraction, attention, or activity.&#8221; I love this word because it is my new best friend. I have always been one that was focused. For goodness sake, I made the decision to do accounting when I was fifteen. From what I understand, not many teenagers do that, [...]]]></description>
			<content:encoded><![CDATA[<p>Dictionary.com defines focus as &#8220;a central point, as of attraction, attention, or activity.&#8221; I love this word because it is my new best friend. I have always been one that was focused. For goodness sake, I made the decision to do accounting when I was fifteen. From what I understand, not many teenagers do that, and stick with it. The fact of the matter is, I love numbers. I have always loved numbers&#8230;they speak to me. And, honestly, they speak to me now more than ever.</p>
<p>When you are in school, your life is mapped out for you. When you finish first grade, you go to second and so on. After you graduate from high school, there are some variations, but overall, your life is still pretty mapped out for you if you go the college route. Once you make your decision about your major, they give you a list of classes and prerequisites and guide you through the maze.</p>
<p>In my field of accounting, again, there are variations, but overall your life is still mapped out for you depending on your goals. Mine was to get licensed as a Certified Public Accountant, so I followed that route.</p>
<p>But, then I had children. My focus was taken so far off course, it has taken me almost eight years to get back in focus. The good news is, I figured out this morning that this  mama is focused again! I know what I want and I don&#8217;t plan on letting anything get in my way.</p>
<p>Focus is such an amazing gift. While you may have life&#8217;s challenges take you off course, focus is what helps you get back on track. For years I really was not sure what I wanted. I had these three absolutely perfect little boys. I was so worried I was not spending enough time with them or being a good enough mom. I wanted clients, but I wanted to spend time with my boys. I wanted more money, but I didn&#8217;t want to work too much.</p>
<p>Now, I understand that the best gift I can give my boys is a happy and successful mom. With that decision made, I have been able to focus on my business more than ever while still being the best mom I can be. I have the Black Eyed Peas song &#8220;Let&#8217;s Get it Started&#8221; running through my head because even though I have had my business for over five years, I almost feel like I am just now really lifting off.</p>
<p>I am so excited because I feel like I have just given birth to my fourth baby. I cannot wait to see what this year has in store for me now with my new found focus.</p>
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		<title>Attitude is Everything</title>
		<link>http://yourfinancialdiva.com/attitude-is-everything/</link>
		<comments>http://yourfinancialdiva.com/attitude-is-everything/#comments</comments>
		<pubDate>Thu, 10 Dec 2009 18:32:47 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Attitude]]></category>

		<guid isPermaLink="false">http://yourfinancialdiva.com/attitude-is-everything/</guid>
		<description><![CDATA[
Do you ever just have one of those mornings? Well, I had one this morning. I am going to share my story with you, not to whine and complain, but to try to share my experience and how I am getting through. Granted, the things that happened this morning are more of an irritation than [...]]]></description>
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<p><img class="alignleft size-thumbnail wp-image-486" title="iStock_000006752189XSmall" src="http://yourfinancialdiva.com/wp-content/uploads/2009/12/iStock_000006752189XSmall1-150x150.jpg" alt="iStock_000006752189XSmall" width="150" height="150" />Do you ever just have one of those mornings? Well, I had one this morning. I am going to share my story with you, not to whine and complain, but to try to share my experience and how I am getting through. Granted, the things that happened this morning are more of an irritation than anything else, but a lot of people tend to let the little things ruin their whole day.</p>
<p>I get up this morning and go downstairs. My husband had started his laundry before he left for the day. When I went to switch the clothes from the washer to the dryer I noticed a pretty significant puddle of water under the washer and dryer. Uh oh, that is not good. Make a couple of phone calls and then keep on with my day because my oldest still has to get to school on time. Drive the kids to school, drop everyone off and head home. When I go to open the garage door to park my car, it only goes up half way. Okay, let&#8217;s try this again&#8230;goes all the way down and only half way up again. Hmmmmmmm. Oh well, put the car in park on the driveway and head in the house. Call my husband to let him know to take a look at it when he gets home. Head into the house and here this horrible beeping coming out of my office. Shoot! The DVR we use for our security camera&#8217;s is beeping (very loudly) because it has lost contact with one of the camera&#8217;s. Well, that is going to make it very difficult for me to work in there. Call my husband, yet again, (yes, he is my hero), and he tells me to unplug it for now and he will take a look at that too.</p>
<p>Okay, I know what you must be thinking&#8230;my poor husband! And yes, I am thinking that too. My point is, yes, there were a couple of times during the morning I got a little frustrated saying to myself&#8230;&#8221;REALLY?!&#8221; But, then I moved on. There is no way I am going to let all these little things ruin my entire day. Poop is going to happen sometimes. How you react to it is your decision. My husband has this saying that really is one of my favorites. &#8220;It is what it is.&#8221; Wow, how freeing is that? If you say that to yourself, you realize that you really can&#8217;t control what is happening, but you can control how you are going to react to it.</p>
<p>I am not sure why all that stuff happened this morning. Maybe there is some lesson for me to learn, or maybe it was just a test to see how far I have come over the last couple of years. I know I have made great strides. I can tell you if this had happened two years ago, I would have let it affect my whole day. Now, I think, well, at least it is just the seal on the washer&#8230;no biggy. I think, hey, the good news is I got out of the garage before it decided to break, it definitely could have been worse! And, I think, I am really glad all I have to do is unplug the DVR so it stops beeping. I am not worried about the money it will cost to fix anything (even though it is December) because it will be there, it always is.</p>
<p>If it was a test, the good news is, I think I passed.</p></div>
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