Self Improvement, Self Development

Personal Development - Why Is It Important?

A lot of people look at life as being unfair at times and they think that life is a series of disappointments. Why are some people more "lucky" than others?

What about you? Does life seem unfair? Would you consider yourself as a happy person? Do you consider yourself a successful person? Do you consider yourself lucky? in Life? in Love?

Self Improvement, Self Development

Self improvement and self development are important, because they help to develop a new way of thinking, to give up the "life is unfair" attitude. Self improvement is a continuous process, a continuous work on ourselves.

Self improvement cannot come without your decision to do so. You should make your decision first.

There are numerous self improvement techniques to choose from. There are self improvement strategies used by the most successful people in the world. These techniques include affirmations, creative visualization, meditations and other. There are a lot of options available such as self improvement books, CD's, courses, seminars, trainings and workshops.

How to start? How to choose and apply self-improvement techniques?

You may want to start with little and simple self improvement steps such as positive affirmations to remove old negative thoughts and patterns and replace them with positive affirming beliefs. Add positive feelings and emotions to your affirmations for the best results

By using positive thinking and affirmations in your daily life, you can reprogram your mind, so you can achieve your goals.

Look at the people around you. If you find a trait of character, which you do not like, look at yourself closely and find out whether you have the same trait of character. Then use positive affirmations to achieve the change you want.

Everyone is different, and what works for one person may not work for another.

Self improvement makes us better.

To your success,

Self Improvement, Self Development
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12 Tips on Developing Self Discipline

It has been proven that those people who accomplish more and are respected more have the ability to delay gratification. Think about who we respect - doctors, professors, writers, black belts, successful business people. All of these have made sacrifices to get to where they are today.

I like to be self disciplined but truthfully, I am not. What I do is use tricks to keep me on track. The following are 8 tricks I use:

1 - lead me not into temptation. I simply do not have tempting stuff around me. If I want cookies in the evening, I need to either go out to a store or get out the flour. Either of which is usually enough deterrent to keep me from eating them. I have even gone so far as to not have a TV.

12 Tips on Developing Self Discipline

2 - Plan. A small amount of planning keeps me on track. This can be as simple as planning what things I want to accomplish that day to planning what health snacks I want to have on hand. I set out my workout clothes every night and have my work clothes packed in my gym bag so I head straight to the gym.

3 - Set goals. The act of setting goals starts them in motion. The more you revisit them, the more you keep on track.

4 - Track what you do. It seems odd but the simple act of logging what you do or do not do is a great way to keep you on track. This works well for diets, workouts and just about anything. What gets measured and tracked, gets done.

5 - Ask yourself "what would I like to accomplished by the time I go to bed". This simple question can keep you on task.

6 - Get a coach. This person can be a friend or a paid coach. Coaches tend to push and keep you on track. I always thought it was strange to pay someone to tell you what you already know you should do but years of working with a personal trainer has taught me that I push harder when I am coached.

7 - Increase to pain of not doing something. Simple - do not allow yourself to do what you find pleasurable until you complete the tough job.

8 - Increase the pleasure of success and make it more immediate. For example, writing an article has very little instant reward. So rewarding myself with a tea for successfully completing it can work.

9 - I use the mantra "successful people do tough things" I am a successful person so that drives me to do the tough things.

10 - Tell other people your goals. If your goal is to stop something (like smoking), your friends and enemies alike will enjoy pointing out when you are failing. If your goal is a positive like reading a book per week, tell your positive, supportive friends - they will help prod you and support you.

11 - It is all about habits. "We are the product of what we repeatedly do"  - Aristotle. Habits do not even take work. You just do them. I suspect you do not even have to think to brush your teeth. You just do it. It is a habit.

12 -  It is all about systems. Build systems to help you accomplish your goals. Systems might include your support, your organization, your methods of doing things efficiently.

Self discipline can be learned. You can choose to be self disciplined. It is not easy but it is what will make you a success.

12 Tips on Developing Self Discipline
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Importance of Self Help Groups in Rural Development

It is estimated that more than 25 million rural women of India have been benefited by the Self Help Groups (SHG). The socio-economic benefits include economic self independence, participation in village affairs and awareness about education. This article is aimed at providing a brief overview of functioning of SHG.

WHAT IS A SHG?

Self Help Groups are small groups of people facing similar problems. The members of the group help each other to solve their problems. A reasonably educated but helpful local person takes the lead in mobilizing these people to form a group.

Importance of Self Help Groups in Rural Development

The person, called animator or facilitator, helps the group members develop the habit of thrift and promote small savings among them. The group savings are kept in a common bank account from which small loans are given to members.

After six months, the SHG can approach any bank for availing loan facility to undertake a suitable entrepreneurial activity. The group loan is distributed among the members to run a small business. The loan is repaid out of the profits earned.

WHO CAN BECOME ANIMATOR? WHAT ARE HIS FUNCTIONS?

The animator plays important role in functioning of SHG. Anybody can be animator. A retired school teacher or government employee, or an educated but unemployed youth in the locality, or any NGO. The animator (he or she) should have inclination to help others.

1. The animator talks to the people by arranging small meetings or approaching individually.
2. He/she explains the benefits of thrift and group formation.
3. He helps the group in identifying their leader.
4. He also guides them in maintaining their accounts etc. In general, the role of animator is to guide and motivate the leader and members of SHG.

FORMATION OF SHG

The ideal size of SHG is 10-20 members. A smaller size is preferred because in a big group members cannot participate actively. The group may or may not be registered. Only one person from one family can become member of a SHG. A group of either men or women is formed. A mixed group is generally not preferred. It is important that the members have a common social and financial background. For example, the group should be of farmers, artisans, craftsmen, housemaids, mill workers etc. The advantage of a homogeneous group is that members can interact freely. Following could be some of common factors for membership of SHG:

1. Women / men from poor households.
2. Those with dry land holding not mre than 2 acres.
3. Having no access to safe drinking water
4. Having illiterate adults in family
5. Presence of alcoholic or drug addict or a person with prolonged illness in the family.
6. SC or ST families

MAJOR FUNCTIONS OF A SHG:

1. Savings and thrift
2. Internal lending
3. Keeping proper accounts of transactions
4. Discussing problems

After a satisfactory performance of SHG and sufficient balance in the common account, the SHG can approach any bank of its convenience for availing loan. The RBI and NABARD has issued special guidelines to all the banks to encourage microfinance to such SHGs. The SHG can approach the bank with following documents:

Resolution from SHG
Authorization from SHG
Copy of rule and regulations of SHG
Passbook of its account

Details of financial transactions

The bank manager / field officer assesses the performance of SHG based on guidelines issued by RBI/NABARD and if found fulfilling the criteria, the SHG is sanctioned with credit facility. NABARD rules stipulate that no collateral security is necessary for the loans sanctioned to SHG. The credit is given to the group at substantially lesser interest rate. The group can charge 2-3 percent more to its members for its operation.

A repayment schedule is drawn up with the SHG and the loan is to be repaid regularly in small and frequent installments. The loan is the collective responsibility of the members. The experience of the bankers tells that repayments from SHGs are far better than individual accounts.

The SHG movement thus has taken root in India and is contributing in poverty alleviation, and more importantly women empowerment. The government needs to encourage this movement on a bigger scale.

Importance of Self Help Groups in Rural Development
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http://indiastudychannel.com/resources/98260-Self-Help-Groups-An-Overview-Functioning.aspx

Malhar V. Lathkar

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