Submitted by Christopher Williams

christopher williams is a financial officer at a credit union; he traveled and lived all over the beautiful state of texas for 11 years, working in retail management. he recently started back to work on his bachelor's degree because it is never too late to finish something you started!

Here are Christopher's "Five Rules For Life":

1.) Never let yesterday consume today.
Too many of us stress and worry about things in the past. I say live in the now and go with the flow. Learn from your mistakes but do not let them consume you; if you do, it will ultimately cause more mistakes and problems in your life. Life is a journey, not a test. Do what I call K.O.K.O...Keep On Keepin' On!

2.) Do something "out of the box".
Break your normal routine. Do something you normally wouldn't do. For example, volunteer at the Special Olympics or a food bank. Get involved! These things will help put your life in perspective, and you will feel good knowing that you made a difference in someone else's world.

3.) Be cheap.
No...the one with the most toys does not always win! Live within yours means. Never have credit card debt; either pay it off that month or don't use it. Or just pay cash - if you can't pay for it with cash, you don't need it. Invest your money in CDs or stocks and make your money work for you.

4.) You are your best friend.
Listen to yourself. Who knows you best? You do. Believe in yourself and don't ever give up - even if you fail, keep trying...don't be afraid to fail, fail, and fail again. Eventually you will succeed and when you do you will feel great about yourself and your efforts.

5.) Love.
It's as easy as 1,2,3, LOVE! Love yourself. Love your neighbor. Love your enemies. Love your family. Love life. Love ya man!