FUNDING: Raising Capital For Your Business Post COVID-19

The outbreak of the novel virus Covid-19 has had a great impact on existing small businesses, especially in developing countries. SMEs in Nigeria have had to deal with anxiety over uncertainties that might exist after the crisis, challenges with cash flow, customer retention, and disruption in essential operation processes. Many have lost millions of Naira due to the economic implications caused by the pandemic, especially in industries that are customer facing.

However, in the midst of this, an array of companies have also sought out ways to raise finance to ensure their sustainability while also leveraging the relatively cheap opportunity to raise capital.

It is pertinent to note that of the many challenges faced by SME’s in Nigeria, the lack of finance is one begging to be solved. Statistics show that 80% of small businesses started in Nigeria fail within the first five years. This alarming rate of business failure is attributed to several reasons, the most commonly cited being insufficient capital, as well as poor access to credit facilities.

For a country suffering numerous infrastructural challenges, and a difficult business environment, the inability to raise sufficient capital presents itself as the deadshot to businesses. Credit facilities could have been a viable option, but this has not been the case.

A recent PWC survey has revealed that Micro, Small, and Medium Enterprises do not rely on banks to meet the majority of their funding needs. For the MSMEs interviewed during the survey, bank loans are impossible to get mainly because of their bureaucratic application process and high interest rate. About half of the respondents (50%) admitted that they did apply for bank loans over the last 12 months, but never ended up taking them due to their high costs. The report also noted that high cost of capital is one of the major costs to business operations in the country.

Thus, to aid startups and budding small businesses, these are a few alternative ways in which business owners can raise the much needed capital they require to start, sustain, and scale their businesses.


The Nigerian government earlier in May had announced plans to establish an SME Survival Fund to sustain at least 500,000 jobs in ‎50,000 SMEs. The said funds will be targeting businesses in critically affected sectors such as hospitality, creative industries, road transport, tourism, and schools.

Interestingly, the plan states that these grants will be disbursed through microfinance banks and fintech credit providers. A three-month timeline has been earmarked for the disbursement of these relief funds and the scheme will be implemented through the Steering Committee on the MSME Survival Fund, the Federal Ministry of Industry, Trade, and Investment, and the Bank of Industry.


Crowdfunding is another popular way of sourcing for funds; it depends on a system of generating small investments from a large number of sources. It is believed that it is easier to raise small amounts of money from many people than it is to raise huge sums of money from a few people.

Some of the different types of crowdfunding are – Donation, Reward-based, Debt and Equity Crowdfunding, which is one of the most recommended. With equity crowdfunding, investors give money to business owners in exchange for a percentage of ownership of the company; then after a window of time, the company repays the investors with interest in return. Most times the investors receive repayment or reward with interest within a designated period of time.


Provided that your business isn’t operating in an industry that requires lots of startup capital, like manufacturing or transportation, you can potentially fund your own venture—and it may be more feasible than you think. Although funding the business yourself carries lots of risks, it is important to consider your potential. If you believe in the vision for your business, you should feel comfortable investing your own money in your business. It also encourages potential investors who are willing to partner with you down the line.


In recent times, we have seen the rise of accelerators and incubators in the Nigerian startup and SME scene. Numerous small businesses have been beneficiaries of the support of incubators and accelerators, such as Fate Foundation, Tony Elumelu Entrepreneurship Foundation, CoCreation Hub, Google LaunchPad, Y Combinator accelerator programme, to name a few.

Incubators are companies that provide support services such as office space, electricity, and business management training to small businesses. While an accelerator is a program that gives companies access to mentorship, training, investors and the support they need in order to maximize their growth.



Tips On How To Stay Focused At Work

With the new normal in place, we have already lost some steam and it shows from the deliverable timelines. So, while we try our best to stay on track and keen to finish the tasks at hand, we are weary about distractions and how to combat them. You might be extremely busy when something suddenly comes up that takes the time you should be spending on priority tasks. It could be a chatty colleague, a boss with a less important task, a notification from your phone, a social media prompt, an impromptu meeting or, if you are working remote,  it could be kids or siblings playing or chatting around.

Continue like this and within 30 minutes you have lost track and you cannot remember where you left off and why you do not seem to get back on track.

This does not sound too far from what you really experience daily. Well we have put down a few tips on how to stay focused while working.

  • Get Rid of Distractions

Before you set out on the day’s tasks, you need to get rid of the distractions to get work done. A good way to do this would be to define specific “focus time” where you turn off all distractions and notifications on your phone, ignore anything that would make you lose focus. With this, you are more likely to have your work be your focus.

  • Get in the Mix

Getting in the mix starts with setting up a To Do list for the day and getting excited about the task at hand. Also, go after each task in order of priority and urgency. Try to accomplish all the important tasks first before you handle smaller tasks.

  • Set Timelines

It is likely that you already have official deadlines, it is always a good choice to set personal deadlines ahead of the official ones. This way, you are likely to work at a good pace and get more done before the official deadline.

  • Take organized Breaks

Working for too long without taking breaks can be exhausting. So, organize your breaks to keep you fresh and smart. Ensure to stretch your legs often. You could also do some desk stretches or chat briefly with a colleague. Take some time off to go on social media this helps boost your energy and increase your alertness levels.

  • Drink water eat healthy

Ensure to keep a water bottle close to ensure you drink water often. Do not wait till when you are starving to eat. This is necessary to keep you stronger and your energy levels high throughout the day. This would help keep your body and mind together while working.



10 Healthy Lifestyle Tips

1. Eat a variety of foods

For good health, we need more than 40 different nutrients, and no single food can supply them all. It is not about a single meal; it is about a balanced food choice over time that will make a difference!

2. Base your diet on plenty of foods rich in carbohydrates

About half the calories in our diet should come from foods rich in carbohydrates, such as cereals, rice, pasta, potatoes, and bread. It is a good idea to include at least one of these at every meal. Wholegrain foods, like wholegrain bread, pasta, and cereals, will increase our fibre intake.

3. Replace saturated with unsaturated fat

Fats are important for good health and proper functioning of the body. However, too much of it can negatively affect our weight and cardiovascular health. Different kinds of fats have different health effects, and some of these tips could help us keep the balance right:

  • We should limit the consumption of total and saturated fats and completely avoid trans fats.
  • Eating fish 2-3 times a week, with at least one serving of oily fish, will contribute to our right intake of unsaturated fats.
  • When cooking, we should boil, steam or bake, rather than frying, remove the fatty part of meat, use vegetable oils.
4. Enjoy plenty of fruits and vegetables

Fruits and vegetables are among the most important foods for giving us enough vitamins, minerals and fibre. We should try to eat at least 5 servings a day. For example, a glass of fresh fruit juice at breakfast, perhaps an apple and a piece of watermelon as snacks, and a good portion of different vegetables at each meal.

5. Reduce salt and sugar intake

A high salt intake can result in high blood pressure and increase the risk of cardiovascular disease.

6. Eat regularly, control the portion size

Eating a variety of foods, regularly, and in the right amounts is the best formula for a healthy diet.

Skipping meals, especially breakfast, can lead to out-of-control hunger, often resulting in helpless overeating. Snacking between meals can help control hunger, but snacking should not replace proper meals.

7. Drink plenty of fluids

Adults need to drink at least 1.5 litres of fluid a day! Or more if it’s very hot or they are physically active. Water is the best source, of course, and we can use tap or mineral water, sparkling or non-sparkling, plain or flavoured. Fruit juices, tea, soft drinks, milk and other drinks, can all be okay – from time to time.

8. Maintain a healthy body weight

The right weight for each us depends on factors like our gender, height, age, and genes. Being affected by obesity and overweight increases the risks of a wide range of diseases, including diabetes, heart diseases, and cancer.

9. Get on the move, make it a habit!

Physical activity is important for people of all weight ranges and health conditions. It helps us burn off the extra calories, it is good for the heart and circulatory system, it maintains or increases our muscle mass, it helps us focus, and improves overall health well-being.

10. Start now! And keep changing gradually.

Gradual changes in our lifestyle are easier to maintain than major changes introduced all at once. For three days, we could write down the foods and drinks we consume throughout the day, and make a note of the amount of movement we made.

While we provide quick emergency loans, we give  tips on how best to live a healthy life and make a good living. Please share and drop comments for further readings.

Mindful Eating: Benefits and Practices

Mindful eating is maintaining an in-the-moment awareness of the food and drink consume, observing rather than judging how the food makes you feel and the signals your body sends about taste, satisfaction, and fullness.

For many of us, our busy lives make mealtimes rushed affairs or we find ourselves eating in the car commuting to work, at the desk in front of a computer screen, or parked on the couch watching TV. We eat mindlessly, shoveling food down regardless of whether we’re still hungry or not.

Eating mindfully can help you to:

– Slow down and take a break from the hustle and bustle of your day, easing stress and anxiety.
– Examine and change your relationship with food—helping you, for example, to notice when you turn to food for reasons other than hunger.
– Derive greater pleasure from the food you eat, as you learn to slow down and more fully appreciate your meals and snacks.
– Make healthier choices about what you eat by focusing on how each type of food makes you feel after eating it.
– Improve your digestion by eating slower.
– Feel fuller sooner and by eating less food.
– Make a greater connection to where your food comes from, how it’s produced, and the journey it’s taken to your plate.
– Eat in a healthier, more balanced way.

How to practice mindful eating

To practice mindful eating, it’s important to eat with all your attention rather than on “automatic pilot” or while you’re reading, looking at your phone, watching TV, daydreaming, or planning what you’re doing later. When your attention strays, gently bring it back to your food and the experience of cooking, serving, and eating.

Below are ways to practice mindful eating;

Start by taking a few deep breaths and considering the health value of each different piece of food. While nutrition experts continually debate exactly which foods are “healthy” and which are not, the best rule of thumb is to eat food that is as close as possible to the way nature made it.

Employ all your senses while you’re shopping, cooking, serving, and eating your food. How do different foods look, smell, and feel as you chop? How do they sound as they’re being cooked? How do they taste as you eat?

Put your utensils down between bites. Take time to consider how you feel—hungry, satiated—before picking up your utensils again. Listen to your stomach, not your plate. Know when you’re full and stop eating.

Take a bite, and notice how it feels in your mouth. How would you describe the texture now? Try to identify all the ingredients, all the different flavors. Chew thoroughly and notice how you chew and what that feels like.

Focus on how your experience shifts moment to moment. Do you feel yourself getting full? Are you satisfied? Take your time, stay present and don’t rush the experience.

Be curious and make observations about yourself, as well as the food you’re about to eat. Notice how you’re sitting, sit with good posture but remain relaxed. Acknowledge your surroundings but learn to tune them out. Focusing on what’s going on around you may distract from your process of eating and take away from the experience.

Tune into your hunger: How hungry are you? You want to come to the table when you’re hungry, but not ravenous after skipping meals. Know what your intentions are in eating this specific meal. Are you eating because you’re actually hungry or is it that you’re bored, need a distraction, or think it’s what you should be doing?

Give gratitude and reflect on where this food came from, the plants or animals involved, and all the people it took to transport the food and bring it onto your plate. Being more mindful about the origins of our food can help us all make wiser and more sustainable choices.

Continue to eat slowly as you talk with your dining companions, paying close attention to your body’s signals of fullness. If eating alone, try to stay present to the experience of consuming the meal.


Stress Management Tips

Not managing stress, wreaks havoc on your personal health, as well as emotional equilibrium. Effective stress management helps you break the hold stress has on your life, so you can be happier, healthier, and more productive. The ultimate goal is a balanced life, with time for work, relationships, relaxation, fun and the resilience to hold up under pressure and meet challenges head on.

Below are some stress management tips:

A. Connect to others: There is nothing more calming than spending quality time with another human being who makes you feel safe and understood. In fact, face-to-face interaction triggers a cascade of hormones that counteracts the body’s defensive “fight-or-flight” response. Its nature’s natural stress reliever (as an added bonus, it also helps stave off depression and anxiety). So make it a point to connect regularly—and in person—with family and friends.
Keep in mind that the people you talk to don’t have to be able to fix your stress. They simply need to be good listeners. And try not to let worries about looking weak or being a burden keep you from opening up. The people who care about you will be flattered by your trust. It will only strengthen your bond.

B. Create time for fun and relaxation: Don’t get so caught up in the hustle and bustle of life that you forget to take care of your own needs. Nurturing yourself is a necessity, not a luxury. If you regularly make time for fun and relaxation, you’ll be in a better place to handle life’s stressors. Set aside leisure time, Do something you enjoy every day, Keep your sense of humor.

C. Manage your time better: Poor time management can cause a lot of stress. When you’re stretched too thin and running behind, it’s hard to stay calm and focused. Plus, you’ll be tempted to avoid or cut back on all the healthy things you should be doing to keep stress in check, like socializing and getting enough sleep. The good news: there are things you can do to achieve a healthier work-life balance. Prioritize tasks, break projects into small steps, delegate responsibility.

D. Learn to relieve stress in the moment: When you’re frazzled by your morning commute, stuck in a stressful meeting at work, or fried from another argument with your spouse, you need a way to manage your stress levels right now. That’s where quick stress relief comes in.

E. Identify the sources of stress in your life: Stress management starts with identifying the sources of stress in your life. This isn’t as straightforward as it sounds. While it’s easy to identify major stressors such as changing jobs, moving, or a going through a divorce, pinpointing the sources of chronic stress can be more complicated. It’s all too easy to overlook how your own thoughts, feelings, and behaviors contribute to your everyday stress levels. Sure, you may know that you’re constantly worried about work deadlines, but maybe it’s your procrastination, rather than the actual job demands, that is causing the stress.

At Credit Direct Limited, we enable Peace Of Mind, we encourage you to stay healthy always and ensure to keep fit. We provide unsecured loans within minutes. all you need do is call 01 4482225 or log on to

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Building Resilience During This Global Pandemic

There is no doubt that we are all in a vulnerable time due to the global pandemic the world is experiencing now. Also, there are personal traumas that people are also dealing with, such as the loss of a loved one, declining health, unemployment, divorce, violent crime, or tragic accidents. Most of us are struggling. While there is no way to avoid adversity or distress in life, there are ways to help us to regain a sense of control. Resilience is the ability to cope with the loss, change, and trauma that have been inevitable parts of life even before these extraordinary times. Building resilience can help you better adapt to life-changing events, cope with turbulent times, and bounce back from hardship and tragedy.

Below are tips to building resilience during this vulnerable time.

 A.     Invest in self-care: One thing that can drain you physically and mentally, is living through difficult and tough times. This if not attended to, can cause serious health problems, impact your immune and digestive systems, increase your risk of heart attack and stroke, and lead to burnout, a state of emotional, physical, and mental exhaustion.Since the body and mind are so closely linked, investing in self-care is an important part of building resilience and getting through times of great stress. When your body feels strong and healthy so, too, will your mind. While circumstances may limit some of your usual healthy habits, there are still plenty of ways to care for yourself. Get enough exercise and sleep, eat well

B.     Reach out: Since the world got hit by coronavirus, lockdown has isolated us from the people we usually see daily. But connecting with friends and family when you are going through tough times can help ease stress, boost your mood, and make sense of all the change and disruption. Instead of having that feeling of; Oh! I am facing this problem alone; you can draw strength and build resilience from having others to lean on. The people you reach out to do not need to have answers to the problems you are facing; they just need to be willing to listen to you without judging. 

C.      Look for purpose: These days, so many terrible and heartbreaking stories make the news headlines, and this can overwhelm some of us. By pursuing activities that bring purpose and meaning to your life, you can prevent them from overwhelming you, and maintain your identity. Everyone is different so we all have different ways of experiencing purpose and meaning. Do not limit yourself by others’ expectations; pursue activities that are important to you and add satisfaction to your life.

D.    Save up Money: Never be caught stranded, ensure to save money wherever you are. There is nothing as satisfying as knowing that your saving would help you out when times are critical. Always have a back up plan and know that you are responsible for yourself.

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The Four Elements of Emotional Intelligence

Emotional Intelligence is the capability of a person to manage and control his or her emotions and possess the ability to control the emotions of others as well. Emotional intelligence or EI is the ability to understand and manage your own emotions, and those of the people around you. People with a high degree of emotional intelligence know what they’re feeling, what their emotions mean, and how these emotions can affect other people.

How well acquainted are you with each of these resources?

1. Self-awareness: The ability to recognize your emotions and their impact while using gut feelings to guide your decisions.

Can you attend a meeting and quickly sense that something is not as it seems? Formerly known as “intuition”, this instinctual knowledge is based on emotional intelligence.

2. Self-management: The ability to control your emotions and behavior and adapt to changing circumstances.

Can you adequately harness your anger, disappointment or fear so your emotions don’t interfere with your ability to listen or problem solve? Do you know when you need help, can you ask for it?

3. Social awareness: The ability to sense, understand, and react to the emotions of others and to feel comfortable socially.

Can you tell when you’re unintentionally making another person uncomfortable or when someone who is smiling is really upset?

4. Relationship management: The ability to inspire, influence, and connect to others and to manage conflict.

Can you remain calm, energized and focused in the face of another’s distress or during an upsetting situation? You should ensure to manage your emotions and practice self control at all times.

Remember you can handle every situation all you need is the will to hang in and succeed.

Modifying Social Media Use To Improve Mental Health

Social media consumption has taken a major part of our daily life as statistics shows that a person spends an average 5 hours daily on social media which contributes to about 15% of our active time daily. Here are some ways to modify your habits and improve your mood:

There is a lot going on at the moment. The pandemic has literally changed a lot of things. No more hangouts, no more partying, no more movie date, no more hugs, no more handshakes, movement restricted. This has been tagged “The New Normal”. There’s no doubt the new normal has been frustrating, tiring, and also, it is toxic for us. Amid all of these, a particular platform has become our companion, best friend, a news source, name it. Well, for some people, it has always been. Apart from the pandemic, the world has also been dealing with other pressing issues. From racism, to rape, to the killings of innocent souls. If you tag the year 2020 “The Year of Revolution”, you are not far away from the truth. We wake up to read several breaking news on social media almost every week, each with its own hashtags. All these can take a toll on some people’s mental health. Therefore, here’s how you can modify your social media use to protect and improve your mental health during this “revolutionary” year:

Reduce time online: Setting a specific time one needs to spend online might be hard for most of us, but being more mindful of your social media use can have beneficial results on your mood and focus.

Change your focus: Many of us go on social media out of habit, some to get specific information, some to see what’s trending, some to share new photos, and so on. But by focusing on your motivation for logging on, you can not only reduce the time you spend on social media, you can also improve your experience and avoid many of the negative aspects. So, whenever you are accessing social media, clarify your motivation for doing so.

Express gratitude: Expressing gratitude about the good and important things in life can be a welcome relief to the intimidation, depression, and discontent which are sometimes generated by social media. Reflect on the great memories and positives in life and also practice mindfulness.


Engaged Listening: Becoming an Engaged Listener

What’s Engaged Listening?

Engaged listening includes listening to the words being said, but also be aware of body language, tone of voice, and other non-verbal cues.

Effective communication is about more than just exchanging information. It’s about understanding the emotion and intentions behind the information.

When communicating with people, we often times focus on what we should say. However, effective communication is less about talking and more about listening. Listening well means not just understanding the words or the information being communicated, but also understanding the emotions the speaker is trying to convey.

There’s a big difference between engaged listening and simply hearing. When you’re an engaged listener, you will not only be better at understanding the other person, you’ll also make that person feel heard and understood, which helps build a stronger, deeper connection between you.

Do you want to become an engaged listener? Do you want to understand and connect with people when they’re talking to you?

Here are five (5) tips to help you out;

Tip 1: Set your focus fully on the speaker. Many of us are fond of always checking our phones when someone is speaking to us. You can’t listen in an engaged way if you’re constantly checking your phone or thinking about something else. Get rid of all distractions. You need to stay focused on the moment-to-moment experience in order to pick up the nonverbal cues in a conversation. If you’re finding it hard to concentrate on what the speaker is saying, try repeating his or her words over in your head; it’ll help to reinforce his or her message and help you stay focused.

Tip 2: Favour your right ear. It’s believed that the left side of the brain contains the primary processing centres for both speech comprehension and emotions and is connected to the right side of the body, hence, favouring your right ear can help you better detect not only the message, but also the emotion behind it. Strange, isn’t it?

Tip 3: Avoid interrupting or trying to redirect the conversation to yourself.

Don’t forget, listening is not the same as waiting for your turn to talk. For some of us, we are guilty of already forming what we’re to say next while the speaker is still talking to us. You can’t concentrate on what a speaker is saying if you have a ready thought or response in your mind. Doing this, we are only focused on what we want to say. Also, the speaker can read your facial expressions and know that your mind’s elsewhere.

Tips 4: Show your interest in what’s being said. While listening to a speaker, nod from time to time, smile at the speaker, keep an open and inviting posture to acknowledge him or her. This is one of the ways to improve communication and become an engaged listener.

Tip 5: Set aside judgment. Remember, when listening to a speaker, you don’t have to agree with what he or she is saying or their opinions. Having said that, you do need to set aside your judgment and withhold blame and criticism in order to fully understand them

Five Tips To Help You Calm Your worried Mind And Ease Anxiety

Ever since the outbreak of the COVID-19 virus, a lot of worries, doubts, and anxieties have crept into almost everyone’s minds. Some have lost their jobs and loved ones, some are struggling to cater for themselves and their families. Nobody expected this to happen but that’s life for us.

The sad truth is; worries, doubts, and anxieties are a normal part of life. It’s natural to worry about your jobs, unpaid bills, etc. But “normal” worry becomes excessive when it’s persistent and uncontrollable.

Constant worrying can take a toll on your emotional and physical health. Here are 5 tips that can help you calm your worried mind and ease anxiety;

Tip 1: Create a daily “worry” period

During this period, it will be hard and tough for you to be productive with your tasks and also in your daily activities especially when you give room for anxiety and also dwell on it. Rather than trying to stop or get rid of an anxious thought, give yourself permission to have it, but put off dwelling on it until later.

  • Create a “worry period.”: Assigned a set time and a particular place in your house for worrying. It might be anywhere, your bedroom, living room. During this “worry period”, feel free to worry about whatever it is on your mind early enough that it won’t make you anxious right before bedtime. The rest of the day, however, is a worry-free zone.

PS: This “worry period” shouldn’t exceed 20 minutes

  • Write down your worries: Anytime an anxious thought creeps into your head, write it down immediately and then go on about your day. There’s no need for you to think about it immediately as you already have a set time to do that; your “worry period”. Writing down your worries and anxieties is much harder work than simply thinking them, so your worries are more likely to lose their power.
  • Go over your “worry list” during the worry period: If you are bothered about your “worry list”, allow yourself to worry about it, but only for the amount of time you’ve specified for your worry period. And if your thoughts don’t seem important any more, simply cut your worry period short and enjoy the rest of your day.

Tip 2: Distinguish between solvable and unsolvable worries

Running over an issue in your head diverts you from your feelings and makes you feel like you’re getting something done. But worrying and problem solving are two different things.

No matter how much time you spend lingering over worst-case scenarios, you’re no more prepared to deal with them should they actually happen

Tip 3: Interrupt the worry cycle

You may feel like you’re going insane, or going to wear out under the heaviness of this anxiety. In any case, there are steps you can take presently to interrupt all those anxious thoughts and give yourself a time out from persistent worrying.

  • Try exercising: Exercise is a natural and effective anti-anxiety treatment because it releases endorphins which relieve tension and stress, boost energy, and enhance your sense of well-being. Even more importantly, by really focusing on how your body feels as you move, you can interrupt the constant flow of worries running through your head.
  • Try meditating: Meditation works by switching your focus from worrying about the future or dwelling on the past to what’s happening right now. By being fully engaged in the present moment, you can interrupt the endless loop of negative thoughts and worries.
  • Try deep breathing: When you worry, you become anxious and breathe faster, often leading to further anxiety. But by practicing deep breathing exercises, you can calm your mind and quiet negative thoughts.

Tip 4: Talk about your worries

Keeping worries to yourself only causes them to build up until they seem overwhelming. But saying them out loud can often help you to make sense of what you’re feeling and put things in perspective. If your fears are unwarranted, verbalizing them can expose them for what they are—needless worries. And if your fears are justified, sharing them with someone else can produce solutions that you may not have thought of alone.

So, build a strong support system and also know who to avoid when you’re feeling anxious

Tip 5: Practice mindfulness

Practicing mindfulness to stay focused on the present is a simple concept, but it takes time and regular practice to reap the benefits. At first, you’ll probably find that your mind keeps wandering back to your worries. Try not to get frustrated. Each time you draw your focus back to the present, you’re reinforcing a new mental habit that will help you break free of the negative worry cycle.

  • Acknowledge and observe your worries: Don’t try to ignore, fight, or control them like you usually would. Instead, simply observe them as if from an outsider’s perspective, without reacting or judging.
  • Let your worries go: Notice that when you don’t try to control the anxious thoughts that pop up, they soon pass, like clouds moving across the sky. It’s only when you engage your worries that you get stuck.
  • Stay focused on the present: Pay attention to the way your body feels, the rhythm of your breathing, your ever-changing emotions, and the thoughts that drift across your mind. If you find yourself getting stuck on a particular thought, bring your attention back to the present moment.