Lesson twentieth

When saying that something is 'hard for me' you are informing someone that what you are talking about is difficult or challenging for you.

Here are some examples:

"It's hard for me to accept what you are telling me."
"It's hard for me to argue your point."
"It's hard for me to balance my check book."
"It's hard for me to concentrate on the task."
"It's hard for me to consider your other options."
"It's hard for me to depend on you."
"It is hard for me to decide where to go tonight."
"It is hard for me to explain my actions."
"It is hard for me to guarantee your success."
"It is hard for me to handle so much pressure."

I'm having a hard time + (verb-ing)
 It occurred to me that (subject + verb)
The word 'occurred' informs someone that something has come to mind or has been found.  You are letting someone know that you suddenly have thought or remembered about something.

Here are some examples:

"It occurred to me that I forgot your birthday."
"It occurred to me that we both belong to the same gym."
"It occurred to me that we enjoy a lot of the same things."
"It occurred to me the price for homes are more expensive here."
"It occurred to me that eating healthy makes me feel better."

Using the word 'had' or 'has' can change what you are saying to represent something remembered in a past time.

Here are some examples:

"It had occurred to me that I forgot something at the grocery."
"It had occurred to me I might need to change my email address."
"It has occurred to me I forgot my mom's birthday."
"It has occurred to me before."
Source:http://www.manythings.org/elllo/