Create A Healthy Financial Future

The cost of living is catching up with many of us, our earnings are not enough to satisfy our daily needs forcing us to cut corners and driving us further into debt. The price of basic needs such as food and shelter has skyrocketed in the last decade leaving many of us with unpaid unsecured credit card debt.

As a result of this bankruptcies are at an all time high, foreclosures, lay-offs and not to mention divorces. The financial situation of our country is dictating the way we live, right now many more people are learning what it is like to live in poverty. The level of life we once knew before the turn of the century is gone and many of us have learned to budget accordingly and those that have not are will on their way to paying a high price.

Now is the time to take action, sit around the kitchen table and draw up a plan that will allow us to relieve the stress credit card debt has caused. Many luxuries we once took for granted must be eliminated or reduced at best, this will allow for extra money for us to pay some of our loans back.

No one wishes to change their lifestyle overnight but there is a real sense of urgency when it comes down to credit card debt, it does not wait for us to change our ways, it has a way of bringing us back to reality that many of us will not survive financially. It is best to be active than wait for creditors to come knocking on our door and garnish our wages, attach to bank accounts or worse place liens on our properties. Yes, if you have been asking yourselves these questions creditors can do all that and more.

Programs have been put in place to help those in financial distress, many are not ford profit, many are not. choosing the right place for help with debt is up to each one of us. Americans are considered smart consumers, we must use this to our advantage when we set out on our quest for help with our debt. Debt relief or debt negotiation also known as debt settlement will not be easy, it is not a walk in the park but it will most definitely beat having to lose our homes, bank accounts, pay checks and in many cases our families.

Become active in your quest to provide a prosperous financial future for you and your family, first step should be to close all accounts that are near the credit limit or beyond. Second, create a budget. Third, seek help, it is never too late to get started on fixing the current financial situation and last but not the least work with whom you choose to guide you on your way back to financial freedom as a team. Remember these simple suggestions, place them into practice and many of your debt worries will go away.

Alex Heredia has worked in the debt negotiation industry for the last five years, he has negotiated personal as well as business unsecured debt. If further information is needed please write to: pemperandgartle@gmail.com or visit http://www.pemperandgartle.com/

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The 3 Biggest Obstacles To Financial Success

Every one of us faces challenges in achieving financial independence. Challenges are meant to help us grow and learn. They are not meant to keep us stuck in the same dynamic year after year. But, unfortunately, many of us find that we are spinning our financial wheels, unable to break through and experience a much greater level of success. Now, this is not because we are not smart enough or because we're not trying hard enough. In fact, for many of us it is that we think too much and we make it too complicated, which makes us try a lot harder than we would otherwise have to. This frustrating cycle can wreak havoc on our personal lives, as we are perpetually confused and disgruntled by the reality of never meeting our standards for success.

Quantum physics suggests that everything in the universe is made up of energy. This includes money. Money is actually a neutral energetic force. We decide if this force is positive or negative in our lives based on the relationship that we have with it. Based on this, there are essentially three main obstacles that we face in attracting the kind of wealth that we truly desire:

1) Limiting beliefs: The main thing that keeps us stuck in our current financial situation is what we believe to be true about who we are and how much of value we have to offer others. This is really where most of us get stuck. We can strive for financial independence all we want, but if our underlying belief system contradicts this pursuit, then we will always end up in the same place. Negative and damaging beliefs have to be healed, if we are to attract a lot of money into our lives in a way that is based on integrity. When our core beliefs are based on abundance and prosperity, then we will be energetically aligned with the reality of a lot of money coming into our lives.

2) Our perception of money: It used to be that just about everybody had a 9-to-5 job with benefits and retirement plan. This industrial age paradigm has now come to pass. We are living in the information age where money can be made in new and diverse ways. There are many, many people who no longer believe in the 9-to-5 workday and are instead living life based on their own terms. They have been able to do this because they have a different perception of money than most of us still have. They have seen that money can be made through a variety of creative means, such as internet marketing, real estate investing, and offering information products to a niche market. Many of us still feel guilty or lazy when we consider structuring our lives so that are our time is freed up and we can do what we really want to do. It is a radical step to go for financial and time freedom, because we see so many people around us are still not doing this. So, we have to be willing to step out and be a pioneer.

3) Lack of support and mentoring: Every one of us needs some guidance to get to where we want to be. We have to be willing to seek out the support and wisdom of those who have achieved a high level of success in the area that we would like to pursue. In fact, all successful entrepreneurs have surrounded themselves with a team of people that have held them to get to where they are. You can't do it on your own. So, it is essential to immerse yourself in communities of like-minded people who are also interested in financial independence. It is important to get coached and to saturate your mind with the books and programs that your role models promote. If you do this wholeheartedly, you will get to a place where everything you are learning becomes a part of you and the way to your own prosperity begins to feel effortless and natural.

Embarking on the path to financial and time freedom should be an enriching and stimulating venture. It gives you the opportunity to free yourself of limiting beliefs so that your whole life becomes ripe with potential. It allows you to be a pioneer who can help others overcome their financial limitation so that more and more people began to perceive money in a new way. And it also allows you to form meaningful friendships and relationships with people who have similar interests and to enjoy the gift of successful teachers and role models.

I encourage you to check out the website below so you can start gaining the knowledge you need to create both time and financial freedom in your life.

Kevin Doherty is an entrepreneur, business coach, and health care practitioner. He has a passion for helping people like you achieve financial freedom and the ability to live life on your own terms. Click on the link below to learn about a series of informational products that Kevin endorses. If you are serious about creating financial success in your life, then the internet can be a powerful way to leverage all of your interests and passions. http://www.thriveonlinenow.com

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