If what you want is wealth and prosperity and to fulfill your dreams, then focusing on poverty or scarcity will not move you in the right direction. Remember - what you focus on expands!
If you study poverty you get more poverty; if you focus on wealth and abundance you get more wealth and abundance. This does not mean that focusing on one or the other will automatically bring about those scenarios. What does happen is that when people focus on poverty or scarcity they put into place action that supports the belief system of poverty.
An example - the media tells us that "there are no jobs" so people believe that and quit looking for jobs. People with an abundant mentally believe that there are plenty of jobs for everyone and they may have to explore different avenues to create a job.
People's favorite reason for not pursuing their dreams is "the economy." If the economy is on the rise, people get Inflation Elation Fixation. If the economy is slowing down, they get Recession Depression Obsession. If the economy is stable, people will shake their heads slowly and mutter something about the "stagnant economy." Do any of these scenarios sound familiar?
Economically we are facing challenging times. Yet people who have chosen to see the abundance or opportunities, are making "lemonade out of lemons" and are thriving. These people are not focusing on the news, the drama, or the trauma because they know these times and challenges will pass.
If you have dreams that you put on a shelf "until things get better" it is time to take your dreams off the shelf and take control of moving your life forward.
Begin to focus on what you want, what you need to do to have what you want. Surround yourself with positive and abundant people, read inspirational books, quit listening to the negative news, honor and embrace your dreams today.
Action is always the key to success and prosperity. In our world there is not a lack of anything - money, jobs, happiness, success, love, joy, etc. Lack only exists in our minds not in the world. Ask yourself what have you been unwilling to do to live the life you desire? Once you identify what you have been unwilling to do, get started doing those things. Quit waiting for life to be "better" - go out and make it better.
There is a quote that says - "if you think you have all the time in the world, then that is how long it will take you to be successful." Choose to be successful and prosperous today.
The New Science of Abundance reveals how to create abundance with scientific precision and absolute certainty!
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Saturday
Reducing Your Debt
Debt is the curse of our time. We owe so much it would make our ancestors' heads spin. For some their income can cope with the repayments. For others their income simply does not cover all the outgoing and those debts are rising to ever more unsustainable levels.
The current world financial woes have just heightened the problem and raised the spectra of collapsing economies and the resultant pain and poverty that will inevitably follow. There is no time to be lost. You simply have to set your house in order. Firstly, grab all the family credit cards and lock them away or destroy them. They are way too easy to get into trouble with. Next make a complete list of all your debts. Put them in order of amount borrowed and by the highest interest rate charges. Determine the lowest amount that is required to be paid collectively each month.
Now you need to work out your new budget. List all your monthly expenditures. Do not forget to make a monthly allowance for those periodic payments like rates and insurances. Go through the budget and delete all unnecessary items like membership subscriptions and cable TV subscriptions. Delete everything that is not necessary to everyday living. If there is money left over after this analysis you can look at reinstating those things again later on.
Now work out outgoing compared to income. Hopefully, this will now show a surplus. If this proves to be the case use this surplus to commence paying off the debt with the highest interest rate. Get the first one paid off and then work on the one with the next highest debt. You will now have a higher surplus each month so maybe you can reward yourself with reinstating cable TV or the gym membership, but take it slowly.
If, after doing your budget you are still behind the eight ball you will need to look at reorganizing your debt into one single loan at a better over all interest rate. Shop around to find the best deal. This may prove difficult but keep trying. If all else fails, try getting a better job that pays more or look at moonlighting in a part time job. Maybe you could live with relatives until you get back on your feet.
There are always alternatives but you must make a start on killing off the debt. Nothing will improve if you do not take action. Remember to break the credit card habit and write out and commit to a budget.
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The current world financial woes have just heightened the problem and raised the spectra of collapsing economies and the resultant pain and poverty that will inevitably follow. There is no time to be lost. You simply have to set your house in order. Firstly, grab all the family credit cards and lock them away or destroy them. They are way too easy to get into trouble with. Next make a complete list of all your debts. Put them in order of amount borrowed and by the highest interest rate charges. Determine the lowest amount that is required to be paid collectively each month.
Now you need to work out your new budget. List all your monthly expenditures. Do not forget to make a monthly allowance for those periodic payments like rates and insurances. Go through the budget and delete all unnecessary items like membership subscriptions and cable TV subscriptions. Delete everything that is not necessary to everyday living. If there is money left over after this analysis you can look at reinstating those things again later on.
Now work out outgoing compared to income. Hopefully, this will now show a surplus. If this proves to be the case use this surplus to commence paying off the debt with the highest interest rate. Get the first one paid off and then work on the one with the next highest debt. You will now have a higher surplus each month so maybe you can reward yourself with reinstating cable TV or the gym membership, but take it slowly.
If, after doing your budget you are still behind the eight ball you will need to look at reorganizing your debt into one single loan at a better over all interest rate. Shop around to find the best deal. This may prove difficult but keep trying. If all else fails, try getting a better job that pays more or look at moonlighting in a part time job. Maybe you could live with relatives until you get back on your feet.
There are always alternatives but you must make a start on killing off the debt. Nothing will improve if you do not take action. Remember to break the credit card habit and write out and commit to a budget.
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fha home loans florida
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Indianapolis Construction Attorneys
Second Mortgage Loans
Being Blacklisted - Know The Facts
A blacklist is a register of persons who have been 'red-flagged' as a credit liability and are therefore denied access to loaning money through banks and other financial institutions. In South Africa you may be credit blacklisted because of your failure to settle your debt. However, being blacklisted is not something one should be ashamed of. Many professionals find themselves on a credit blacklist. Teachers, credit controllers, and admin people are just some of the professionals that find themselves in this situation. Statistics indicate that one in four people in South Africa are credit blacklisted. This suggests that there are about five million people whose names currently appear on a credit blacklist in South Africa.
Many people don't realize that they are experiencing debt/credit difficulty until it's too late and they find out that they are blacklisted. Owing money can lead to being blacklisted by authorized lending institutions thus making it very difficult to acquire loans. A seemingly insignificant missed credit card payment or wrote a bad check from five years ago could hinder your ability to acquire a home loan or vehicle finance. The good news is that there are easy steps you can take to repair your your credit rating and consolidate your debt so that your name is removed from the blacklist.
Firstly, checking your credit history is essential so that you know where you stand in the eyes of a financial institution. The credit report will indicate whether or not your creditors view you as a credit risk and how responsible you have been about consolidating your debt. I suggest applying for a credit report before applying for a loan so that you know your credit status before potential lenders check you out. There are several Website sources you can go to, to obtain a credit health report. For a nominal fee you can find out your credit history within an hour.
It is also important to identify and understand the type of debt you owe. There are various types of debt that a person living in South Africa can be in arrears for. Banks will investigate all these areas when considering whether or not you are viable for a loan - Personal loans, credit cards, vehicle finance, furniture accounts, in-store accounts, mortgages, and overdrafts.
Remember that filing for bankruptcy is not always the best solution to your financial problems and should only be considered as a last remaining option. Seek the assistance of a debt counselor. They are trained to guide you out of debt and are therefore well-positioned to provide you with the best advice after assessing your financial circumstances.
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Many people don't realize that they are experiencing debt/credit difficulty until it's too late and they find out that they are blacklisted. Owing money can lead to being blacklisted by authorized lending institutions thus making it very difficult to acquire loans. A seemingly insignificant missed credit card payment or wrote a bad check from five years ago could hinder your ability to acquire a home loan or vehicle finance. The good news is that there are easy steps you can take to repair your your credit rating and consolidate your debt so that your name is removed from the blacklist.
Firstly, checking your credit history is essential so that you know where you stand in the eyes of a financial institution. The credit report will indicate whether or not your creditors view you as a credit risk and how responsible you have been about consolidating your debt. I suggest applying for a credit report before applying for a loan so that you know your credit status before potential lenders check you out. There are several Website sources you can go to, to obtain a credit health report. For a nominal fee you can find out your credit history within an hour.
It is also important to identify and understand the type of debt you owe. There are various types of debt that a person living in South Africa can be in arrears for. Banks will investigate all these areas when considering whether or not you are viable for a loan - Personal loans, credit cards, vehicle finance, furniture accounts, in-store accounts, mortgages, and overdrafts.
Remember that filing for bankruptcy is not always the best solution to your financial problems and should only be considered as a last remaining option. Seek the assistance of a debt counselor. They are trained to guide you out of debt and are therefore well-positioned to provide you with the best advice after assessing your financial circumstances.
Recently Viewed Sites:
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