What Debt Promises

What I can promise you debt will bring if you don’t manage debt and let debt manage you!

For so many people in this world, debt can be debilitating. Shopping with friends and you get asked: “would you like to apply for a credit card?” You qualify and here we go.

Most young people are never really taught the importance of good credit and managing money properly.

Debt – noun

something, typically money that is owed or due.

credit card, credit card bill, bankruptcy

Here are the promises debt makes and will keep:

  1. Constant stress over how you will pay your credit cards or other bills at the end of the month.
  2. Family stress. The number one killer of marriages is money. Buy homes we cannot afford, cars, furniture, clothes, on and on. Until the end of the month, and the dining table is covered in bills!
  3. Parents working one or two jobs to make it from one paycheck to the next. Waking up to find children grown and bitter. Why? You were never there! To busy trying to make a living, you forget to have an experience.
  4. The barrage of endless phone calls letting you know the obvious. You’re behind and we need a payment!
  5. Picking which bill gets paid and who does not get any money this month.
  6. Food vs. Credit
  7. Feeling as though one wrong move and financially, you are ruined. Stress beyond limits!
  8. Dark moments, suicidal thoughts all over bills.
  9. Keeping up with the Jones’s only to find ourselves in bankruptcy.
  10. Bad credit and loss of buying power. High rates of interest.

Imagine someone in your family deathly ill and you cannot come up with the money to travel. Another of debt’s promises!

Emotional purchases will sink your financial boat the quickest.

For example:

You go into a car dealership to buy a new car. You have a budget and payment in mind. Shopped online and narrowed down your search. All good stuff.

Upon arrival at the dealership, you begin to browse. “Wow look at this color, look at this car, check out these accessories.” All, of course, are on vehicles outside your budget. The internal battle begins. Metaphorically we’ve taken a raging alcoholic into a bar and said, don’t drink anything I will be back in an hour to pick you up! Only to come back and find your alcoholic passed out drunk.

If you do not control your spending, your debts will overtake your life. Guaranteed! Not too many things in this life come with a guarantee but debt does.

I have worked around consumer credit for thirty years now. Debt has also overtaken my life because I allowed it to get totally out of hand. The ten promises above are indicative of my own life. Poor choices have cost me plenty.

Parents or young people starting out. Educate yourself about credit and debt. Buying that beautiful $300 shirt that will make you look amazing. Won’t look so amazing at the end of the month if the money is not there to pay for it.

Sure, you can make the minimum payment and the $300 shirt becomes a $2000 shirt. Do the math on 26% interest and see what happens to the cost of just one item. Living paycheck-to-paycheck over several years. Chipping away at maxed-out credit cards will overtake your financial life.

Properly managed credit will make sure that your life will be filled with joy. Buying power and forethought to pay will allow you to own homes, cars, beautiful furniture, and other assets. With little to no stress.

TAKE EMOTION OUT OF ANY FINANCIAL EQUATION!

It does not sound fun, but the wake behind poor decisions can last years. Worse still ruin any chance you have of being a homeowner.

Imagine a mortgage broker coming back to you and saying, “unfortunately, YOUR credit will not allow us to give you a loan.” Devastating. Your credit prevents you and your spouse from homeownership. Sounds damned harsh because it is.

What can help:

  • Check out books by great financial folks like Dave Ramsey, Suze Orman, let experts guide you.
  • Check out the credit reporting agencies: Equifax, Trans Union, and Experian. Lots of excellent free resources.

If you have credit issues, you can recover. Start back small and work your way again. There is always hope and with diligence, you will be back on track.

Questions or comments:

Anxiety & Stress Are They Stealing Your Joy

Anxiety and stress can have debilitating results. For years I suffered through stress, work-related, home, you name it, I could find a way to stress myself out!

Over the past couple of years now, some fantastic results have passed through my life. Yes, I still stress, but boy can control it been enhanced. I will share with you my daily routine and habits that help.

prayer, faith, hope

First, let me say that if you’re struggling to get help from a licensed health care professional. What I am sharing with you is just daily habits that you can try to see if they help. By no means should you feel this is a cure-al?

Simple daily routine changes can help with stress & anxiety:

  1. Learn to quiet the mind. This is just a simple relaxation method that can help you with a clear mind. When the rhetoric in your head can slow down and quiet. Amazing results begin to appear.
  2. This can be a simple walk around your neighborhood. Or you can join a gym. Working out the tension in your body, getting stronger can help you not get so fatigued that your anxiety just increases.
  3. Take a moment often during the day to just breathe. Sixty seconds to breathe in through the nose and out through your mouth. Nice cleansing breaths.
  4. Regulate your soda, coffee, and high caffeine drinks. For most of us, we don’t need more help to get anxious.
  5. Take the time that’s just for you. Watch a sunrise by yourself. Sit by a creek. Do something that is just for you (retail therapy is a no-no. Credit card debt is a stressor). Go shoot baskets at the park, kick a ball, ride a bike.
  6. Stay connected with people that uplift you. Debbie-downer is not your friend. Choose wisely. Don’t hibernate.
  7. Set boundaries for people that bring stress into your experience. If someone can only talk about negative things. Cut them short (YES YOU CAN) politely excuse yourself from that situation “oh I totally forgot ______” hopefully that person gets a clue. You are not anyone’s sounding board for garbage.
  8. Home or office is a mess. Guess what? That is the state of your noodle. Clean up, organize, and enjoy the environment around you. People often tell me the disorganized desk in the office, “that’s just the way I am.” So, you’re a chaotic malfunctioning human, and we should all get over it? I regularly must organize myself, it’s a habit I highly recommend.
  9. Sit down and prioritize your life. I mean down to the last detail. If you tell me you’re a free spirit, you fly by the seat of your pants. Then I say super if you’re a well-adjusted, NORMAL functioning human being I will shut up. Otherwise, organize based on the importance of what you need to do every day. The reason being, if you have a real sense of accomplishment, wow, is that life-changing! Activity vs. Productivity learns the difference now!
  10. Patience and faith. If you can learn to allow life to unfold (yes you must do the work) knowing full well, you’ll be fine. Even when you can’t see a way, you believe with everything that is you, all will be well. Spiritual connectedness will indeed bring about peace in your life.
  11. Learn to be grateful right where you are. If you want more out of life, you must be thankful where you stand. If you want more from the Universe, why would that occur if you’re miserable where you are (NO, I am not suggesting you be grateful in a situation that is emotionally or physically harmful to you). However, if this is not the case and you’re simply aggravated at your lot in life. Be grateful you have a car that gets you to work, you have a job it may suck, but you have one, a roof over your head, food to eat, your health and clothes to wear.

You can find a million reasons to stay in the crap. I just gave you eleven reasons not too. What’s more, you can do each of these with just a little effort.

The real question now; “What are you prepared to do?” Until you make the decision to change your life, expect the same outcome.

No guarantee this will be easy. Nothing worth having is ever easy. I am going to let you in on a secret. For most of our lives, we’ve been taught to run away from pain. Sounds reasonable.

Ponder this:

When you first go to the gym and workout hard, what happens? Soreness from hell hits you. Can’t brush your teeth, can’t raise your arms high enough. You can quit or go back to the gym and work out a bit more until the soreness subsides.

Coaches will push you beyond your mental and physical breaking points. Why? Your head will quit far sooner than your body or mind can handle. Marathon runners are prime examples. “The wall” as marathon runners will tell you hits about the twenty-mile mark, and your brain says your body it’s time to stop. The physical pain that is causing damage to the point if you don’t stop, you could injure yourself or worse die.

Medical studies have proven this is all in your head. Runners are not hurt, injured, or dying. What is happening is our limiting beliefs take over, and it’s; fight-or-flight.

Before you give up, take one more step. If you took the step, then maybe we can go more. It’s all up to you. The ONLY PERSON ON THIS PLANET THAT CAN SAY YOU CAN OR CANNOT. IS YOU!

Don’t let anxiety and stress take your joy. If you need professional help go, get it. I am putting a resource to help you get started. This is not a paid endorsement, nor an endorsement by me. It’s just a great place to get started.

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National Institute for Mental Health

Living Today will Give You a Blessed Tomorrow

“Learn to enjoy every minute of your life. Be happy now. Don’t wait for something outside of yourself to make you happy in the future. Think how really precious is the time you have to spend, whether it’s at work or with your family. Every minute should be enjoyed and savored.”–Earl Nightingale

One of the hardest lessons I’ve learned is how to live in the moment. Not have my mind worried about the end of the month bills or some other monster that’s not even in the room.

We tend to project ourselves down the road as it were. Worrying about what might happen instead of focusing on tasks at hand. Solving problems takes immediate action. Not something you delay. Focus yourself each day.

prayer, God, Spiritual,

When we worry about problems that are looming but not yet come to fruition. We stifle any real progress we could make. Take each day and give it the full attention of your efforts. Learn the difference between activity vs. productivity.

If for example you’re worried about the rent and you still have two weeks work left. Lot’s of things can happen in two weeks. Ask your boss if you can volunteer for overtime. Take a coworkers shift. Sit down and breathe for a moment and see what solutions could be available. Consult with someone you trust.

Answers can come when cooler heads prevail. Freaked out, worried minds, produce the same result. Learn to get rid of stress, meditate, breathe, pray, walk, workout, and if needed, take time for YOU!

Get busy living now. Make yourself do something that gives you pleasure. You can’t stress 24/7 and ever expect a good result. It’s difficult to begin; it was for me at the beginning. Now I can let go of my day and recharge my batteries to face a new day tomorrow.

With practice and commitment, you can do the same. Find time to let your head relax. So go take a walk and enjoy the moment!

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Are you Ready for Hope

A guide to help you find change and hope. How to change your life guide that is easy to read and follow. Introduction: For most of us, we can find something within our lives we need to change. Perhaps even a full life makeover. Whether it’s one thing or several, this guide will help you make lasting change. Doing this will take work, the strength of mind and commitment if this cliché is your life; sick and tired of being sick and tired. If this is, you are welcome here. Last year into this year my own life required me to make many changes. It’s taken some education that I want to share this information with you — saving you lots of time and heartache. Evolution has many challenges that come with it. Sadly, many will quit before lasting change can occur. Let me guide you through these rocky shoals to your new life. It took me at times through incredibly difficult paths, dark moments and simple trial & error before all this made sense. If you follow what you learn here, I trust it will help you further your efforts changing your own life. It doesn’t matter the reason what is essential is the process of change. We will discuss in depth process, actions and results.

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Kick Horrors of Fear in the Gut, Strength, Courage is Yours NOW!

“You gain strength, courage, and confidence by every experience in which you really stop to look fear in the face. You can say to yourself, ‘I lived through this horror. I can take the next thing that comes along.”–Eleanor Roosevelt

Facing fear comes in many forms. It also is indoctrinated into our psyche over years and years. We play into it when difficulties overtake our life. When the bombardment of “I can’t” “this is too hard” become so overwhelming in our minds.

fear, happy, joy

Just as the quote states, we live through a horror.

The excellent news is the strength you need is within you. It’s not hard to tap into when you discipline yourself to overcome the challenge. Here are some daily rituals I do that help me get through:

  • Stop and just breathe. Take sixty seconds and breathe in through the nose and out through the mouth. Breathing will relieve tension in your body. This makes a measurable change in your body. 
  • Walk. Just get out and walk for a bit. Again relieving stress in your muscles will clear your mind. It’s incredible how this works. Walk up to a flight of stairs, walk down the street, just get out and walk.
  • Meditate. Learn to quiet your mind. Meditation can help you focus your mind on positive. There is a reason it’s called a meditation practice. Do this often, set designated times to practice your meditation. 
  • Grateful. Be grateful for what you have and for what is coming. Thank God for the blessing he is moving into your life. 
  • Pray. Don’t beg, pray. “Please God get me through this, please” NO! Give to God what you need, what he needs to guide you. Show him you’re grateful for it and let him do the rest. 

You can overcome adversity, fear, you name it you can overcome. It takes work, it takes some pain, it takes real desire. You can do it! I have to push every day to overcome huge fears. Someday’s the journey seems too much. That’s the time take one more step, do one more thing forward. This makes all the difference.

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Is Adversity happening to you or FOR YOU

“You’re going to go through tough times – that’s life. But I say, ‘Nothing happens to you, it happens for you.’ See the positive in adverse events.”–Joel Osteen

In our previous blog post, we talked about God being our coach. As you can see in this quote to paraphrase, “nothing happens to you, it happens for you.” That’s my point entirely.

What happens for you is coaching. We need to learn from adversity. Look at this as though you trained really hard one day, and now you’re so sore with pain it hurts. God, as your coach, is going to work you out to make you stronger. Good coaches push athletes to their limits. Same principal.

winning, happy, God

Why does God do this? If you’re going to run a Marathon and you cannot even make a mile, how can you expect to move forward with the race? You have to condition yourself, a coach will push you so that you can make the distance. It’s not God saying no, it’s God pushing you so he can say yes!

When I grasped this, my life truly changed. All the stress went away, and I was anxious to go to practice as it were.

If you have questions or comments: