Realtors Who Care logo

#MMGivesBack: Realtors Who Care

Realtors Who Care is the charitable arm of the West Michigan Lakeshore Association of Realtors. Their goal is to make our local community a better place to work and live.

Mission Statement: Realtors Who Care shall strive to support Realtors first, people focused local charities, individuals in need and the National Association of Realtors recommended disaster relief.

They often give $300 to support individuals and charities in need and $600 to Realtors in need and disaster relief efforts designated by the National Association of Realtors.

Loan Officer Hayley Woodworth is Co-Chair of the Realtors Who Care Committee and selected the non-profit organization as this month’s #MMGivesBack charity.

Why?

“Realtors give back so much to their clients and communities,” she said. “I think it is important that we support them when they are in need. We meet so many people through this industry, and when you meet someone going through a hardship, it’s such a great feeling to be able to help them.”

The group experienced a very successful 2018 full of giving but has even bigger dreams for the year ahead.

“The goal for 2019 is to raise as much money as possible so we can give more than we ever have back to the local community,” Woodworth said. “We are also striving to gain as much exposure as possible so Realtors, affiliates and the community become aware of our organization.”

“We want to get more people involved and encourage more requests and submissions for donations for people and places in need,” she said.

How can you get involved?

“In May, Realtors Who Care collects toiletries and personal items for local shelters and food baskets,” Woodworth said. The group takes the donated items and assembles baskets for those in need.

Items include: shampoo and conditioner, toothpaste, paper towel, feminine products, deodorant, tissues, and other household items used on a daily basis.

More information about Realtors Who Care, their mission and the May Basket charity initiative is available on their Facebook page.

Kids' Food Basket logo

#MMGivesBack: Kids’ Food Basket Muskegon

“Kids’ Food Basket is a grassroots, community solution to childhood hunger. We engage all who care about children reaching their full potential – in school and in life. We began over a decade ago by serving 125 kids each school day through our Sack Supper program and now serve nearly 8,000 kids each weekday in West Michigan.”

Our January Employee of the Month, Danielle Woodring, recognized the work Kid’s Food Basket Muskegon is doing in our local community and asked that we get involved.

“I volunteered with Kids’ Food Basket in the past and fell in love with their mission to ensure children in our community do not go hungry,” she said. “They support numerous local schools and prepare thousands of sack suppers on a weekly basis.”

“Without them, children go hungry and our community suffers.”

According to the Kids’ Food Basket website, “1 in 5 Michigan children are affected by hunger and thousands of West Michigan children are food insecure — they can’t count on having access to good, nourishing food every day.”

That’s why they do what they do: nourish thousands of children to help them reach their full potential.

“Consistent, nutritious meals support cognitive development and help children focus by meeting critical health needs.  With healthy calories we can lessen the risk of conditions such as diabetes and obesity. Healthy calories also help children avoid behavioral issues such as irritability, aggression and anxiety,” according to the Kids’ Food Basket.

“I feel like no child should ever go hungry,” Woodring said. “Finding where their next meal is coming from is not something a child should ever have to worry about.”

“The Kids’ Food Basket has so many different opportunities to volunteer,” she said. “Anyone can get involved and raise awareness about childhood hunger.”

This month, Michigan Mortgage employees were excited to donate supplies and assemble Supper Packs to donate to the organization. Employee’s children got to pitch in by decorating the paper bags that the pack suppers are distributed in. 

If you’d like to get involved, visit their website.

Image of a winding staircase

Life Outside of Loans: Baby Steps

I had a salad for dinner last night…and I’ll tell you why that matters in just a bit.

I was recently introduced to the idea of compound effect, and although it’s a simple idea, it really blew my mind. You’ve probably heard of compound interest when it comes to your money — the more money you save, the more interest you earn.

Until recently I had always thought my goals had to be monumentally planned out. I envisioned setting aside 90 days for each goal, spending days planning out each step, laying it out on the calendar, and executing every day for three months. And while that’s a completely valid, brilliant way to see progress in your life, I was getting hung up on how many 90-day goals I had. If I have 10 major areas of my work and life I want to improve on, it’d take me nearly three years to get through it all!

Enter the compound effect. It’s a little like Baby Steps by Dr. Leo Marvin from What About Bob.

The concept of the compound effect is this — that taking even small steps toward a goal adds up to something greater.

A diet, for example. If I’d have chosen to have a couple slices of pizza last night instead of that salad, would it have really mattered? Probably not. One individual meal doesn’t tend to move the scale. How about if I chose pizza again tonight? And tomorrow, and every day for the next six months? Ah, now we’re seeing how the compound effect moves the scale!

On the flip side, if I choose a salad every night for dinner for six months, imagine how much the scale would move in the other direction.

So, while I was getting hung up on spending significant amounts of time to focus on each of my life goals, I started applying the compound effect instead. If I do even five minutes each day on each of my 10 goals, I’ll be taking baby steps toward my goals.

Five minutes a day toward decluttering my home.
Five minutes a day spending more one-on-one time with my kids.
Five minutes a day building my website.

After six months, those little steps will have compounded into something significant and concrete. Much more so than spending my time and mental energy on being overwhelmed or spinning my wheels in planning mode. And I’ll have the changes I’ve made to build momentum to fuel further change.

Use the compound effect to achieve anything in your life or work. Baby steps are better than no steps at all!

Image inside a coffee shop

Life Outside of Loans: Take Time to Make Time

I grew up with three brothers, all of us within five years of one another. You can imagine, especially when we were all teenagers, how much the grocery bill must have been.

It was a near constant race to get the “good” food before it was gone – like when our parents would splurge on special cereal, or name brand Mac & Cheese. Even to this day, I still have impulses to guard or hoard my food because of this.

Many people have a scarcity mindset – around food, money, etc. They grasp onto what they have for fear of not getting more.

But have you ever thought that way about your time?

Intellectually, we all understand our lifelines are limited. But even though time is such a precious resource, the majority of people don’t plan for it, like they might make a budget for their money. We live very reactively when it comes to our time, as if we’re waiting to see what life brings to us, when we should be out there creating what we want with our lives.

Here’s a few tips for how to better allot and maximize your time:

Spend time planning. Seems counterintuitive when we’re trying to achieve more to slow down and plan, but it’s necessary to have a road map. Choose a goal and break down the individual steps that need to be completed.

Commit to keeping the plan. The plan itself is great, but it’s completely useless if you don’t execute it! It’s key to write down or type in each of the components into your schedule, and treat those like firm appointments.

Restrict yourself to just one or two goals at any given time. Self-explanatory—the more time you have to commit to a goal the better, so it’s best not to spread yourself too thin with too many targets.

Banish buffering. Buffering is activities like watching TV, scrolling through social media, snacking, etc. These can be some of the biggest time-wasters that we face, and mostly don’t provide us with any real, tangible benefits.

Try these techniques for even a few weeks, and you’ll likely be amazed at your increased productivity levels!

“Lack of direction, not lack of time, is the problem. We all have twenty-four-hour days.” – Zig Ziglar

Image of a person reading a book at night

Life Outside of Loans: Telling Stories

This morning when I got to the office, a co-worker asked me how my morning was going. Most of us respond to this with a knee-jerk “good, you?” or “Ugh, terrible!” Have you ever stopped to think about how subjective those responses are?

For instance, let me show you two possible stories about my morning:

“I woke up late and had to rush to get ready. I dropped everything I touched, couldn’t find anything to wear and my hair looks terrible. Then I go to leave the driveway and the Shipt shopper pulls in behind me, blocking my car so I can’t get out. On the drive to work some jerk cut me off and of course I hit every red light too. What a terrible start to the day!”

(My blood pressure was totally spiking as I typed that!)

Or I could tell the story like this:

“I got a little extra and much-needed sleep this morning. I connected with my husband for a few minutes — it’s always nice when I get to talk to him for even just a short time. I even got groceries delivered already. How productive! On the drive in to work I tuned into my favorite podcast; I’m always so excited when I get to hear new episodes!”

(This story puts me in so much better of a mental state!)

Both of these stories are 100 percent accurate. The events of the morning didn’t change at all. All of these things happened. But the story takes such a different shape depending on which events I focus on, and how I choose to interpret them.

Our brains are hardwired to revert to the familiar; which for most of us is negative. It’s so much easier and automatic to focus on the stresses in our life versus the blessings, or the long list of obligations for each day instead of the accomplishments achieved.

I know sometimes this talk of “positive thinking” invites skeptics to complain that thinking positively is just delusional. But guess what? All thinking is delusional! Look at my stories above — both are true.

So, if life is going to be delusional either way, it might as well be a good one!

Guest blogger Sarah Beahan has been a loan processor and executive team member of Michigan Mortgage since 2002. In addition to her work at Michigan Mortgage, she is a certified Life and Weight Loss Coach, and owns her own coaching practice called Weighed Down Coaching.

Woman in front of a cluttered pantry

Life Outside of Loans: The Freedom of Constraint

Last night I went to get a manicure. First thing they ask you to do is pick your color – sounds simple, right? Do I want pink, red or purple?

Nope. Most salons have literally hundreds upon hundreds of shades to choose from. Last night’s salon had not only 2 walls filled with bottles, but also every variation of pink, red or purple you could imagine. And the hot pink looks identical to the neon pink looks identical to the shocking pink.

Some may find it exciting or empowering to have so many choices in life; from nail polish shades to coffee flavors to cell phone cases. But I’ve started to appreciate the powers of constraint.

I recently went on an out of town trip, and when I packed I only brought one basic set of makeup: one lipstick, one eyeshadow, etc. It struck me while gone for that week how much simpler it was to not have to use any mental energy making decisions each morning about which product to use.

Instead of using that 5 minutes of brain power on makeup choices, what could I create with my mental energy? A pep-talk to start my day off right? A prayer for a friend in need?

My example of makeup selection may seem insignificant; try on these larger examples of constraint:

  • Only shopping for clothing at one store. Gone would be the hours of online browsing.
  • Making a regular rotating meal plan. No more wondering what’s for dinner.
  • Checking social media once a day. If you know you’re only going to log in one time each morning or evening, then no more obsessive opening and closing apps all day long.

Minimalism is also a great form of constraint. Many people think minimalism means owning one outfit, in an apartment with bare walls and one chair. Certainly, some minimalists take it to that extreme.

But minimalism can also be reducing the number of items we have—think of it this way, how many coffee mugs or water bottles do you have in your kitchen cupboard? They all take up space, require washing and maintenance, etc. They take up mental energy-when you open that cupboard, is it simpler to look at one mug or 13?

We can embrace and apply constraint in so many aspects of our daily lives. Then think of how those extra minutes and extra thought space can multiply into something larger. It’s a way to give yourself the gift of time, which we could all use more of.

Guest blogger Sarah Beahan has been a loan processor and executive team member of Michigan Mortgage since 2002. In addition to her work at Michigan Mortgage, she is a certified Life and Weight Loss Coach, and owns her own coaching practice called Weighed Down Coaching.

Life/Work balance infographic

Life Outside of Loans: The Importance of Work/Life Balance

The term work/life balance is such an innocuous little phrase. It evokes mental pictures of an all-American mom or dad, thriving in their work while still managing a harmonious household. Many of us envision the balance as the way our separate life channels are supposed to co-exist, but I wonder: is a strict balance truly necessary?

I think instead in terms of life accounts, a concept introduced to me by the authors of Living Forward, Daniel Harkavy and Michael Hyatt. They suggest viewing the different facets of your life as sub-accounts. Just as you may watch your financial accounts to ensure they’re well-rounded (meaning one is not overdrawn whilst the other is in full supply), you can apply the same concept to your life accounts.

We all recognize that some seasons of work are more demanding than others-spring for a CPA, winter for a plow truck driver, and often summer months for mortgage and real estate professionals.

And same with life seasons: toddlers versus late teens, summer months versus school year, and soccer season versus…well, whatever the opposite of soccer is (not being a sports fan!).

Instead of striving for a perfect balance, I think the perfection lies in the natural slight discords that are inevitable. If your child has a dance recital Thursday evening, you naturally should leave the office to be there. And on the flip side, if your children are away for a week of summer camp, extra time on the job during real estate’s peak season is a perfectly acceptable option.

Belittling ourselves about the choices we make in our busy lives serves no one. But relaxing into the solution that there is no solution is empowering.

The balance we should instead strive for is in our thinking, and our commitment to ourselves that although the time spent on each life account may not be minute-for-minute, our love and enthusiasm for each can still shine through.

Guest blogger Sarah Beahan has been a loan processor and executive team member of Michigan Mortgage since 2002. In addition to her work at Michigan Mortgage, she is a certified Life and Weight Loss Coach, and owns her own coaching practice called Weighed Down Coaching.