Discover How You, Too, Can Have It All

Impossible? No or yes, depending on how you see yourself and your environment. So much depends on our own perceptions and on our ability to discover that abundance is not just for others. If, consistently, we have more month than money it is natural to think that thats the way it is and that theres not much we can do to change it. Bosses dont exactly dish out largess, do they? They run their business to make a profit and most of them tend not to pay employees over the odds. For this and a myriad of other reasons, debt is increasingly common and when we are heavily in debt despair can quickly follow on.

That is a sad fact of life. But by changing our thinking we can change our circumstances.

Not overnight, of course. Nothing is that simple. The thing to remember is that contrary to appearances abundance is available to everyone.

Most of us have not been taught to see its availability. As a war baby I was certainly brought up with a lack mentality. During the war itself, of course, and during the immediate post-war years there was much more lack than plenty and in my family as in many others - it was a case of make do and mend. In other words, we had to make do with what we had rather than hanker after something totally unobtainable and if socks, stockings, sweaters or whatever had a hole in them, then out came the darning needle and the hole was painstakingly mended.

We live in a different society now, though, dont we? These days few things are mended while much is thrown away. That seems rather a sad reflection on our so-called affluent society and it isnt helping our planet, either.

But getting back to lack versus abundance: I think many of us are conditioned during our formative years to believe its almost a sin to be rich or at least that riches are for others, not for us.

We dont need to take that conditioning with us through life, though, do we? Its our undeniable right to question it and to re-think.

I have found that if I focus on the money (or item) I lack, my focus brings more lack. Im so busy thinking about what I dont have that I depress myself thoroughly. Whereas, if I picture what Id like to have - and spend time imagining how it will feel to still have money at the end of the month, or to be driving a more reliable car, or to be having a carefree holiday my mood changes from downbeat to upbeat and I begin to see new possibilities. Its important not just to picture these things, but also to experience in advance the emotion that their acquisition will bring. Its also important to be patient and not expect overnight miracles. When we take ourselves in hand and practise new thinking, time is needed for this to begin taking effect.

For example, six years ago I took a picture of my dream-house. This had three stories and from each floor there were breathtaking views across the marina and ocean. I had never lived in such a house before and initially had some difficulty imagining myself living there. But I placed the picture prominently on a dream board I had placed on the wall opposite the desk in my study. So I saw my house every day and in this way it became easier to absorb it into my thinking as a part of my existence.

Mentally I moved in, living my new lifestyle and breathing fresh sea air.

Seven months later a sale-board went up outside my house. Hardly believing my eyes, I inquired about the price and found that thanks to some financial good fortune of just a few days before I could actually afford it! The timing was almost unbelievable, since even a week earlier Id lacked the necessary means to make an offer.

My offer was accepted, I eventually moved in and Ive been living happily in my dream-house ever since. And because of this and other amazing developments Ive learned the importance of thinking the right thoughts.

Truly, you too can discover how to have it all!

Copyright: Pamela Glynn

Pamela Glynn50140
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Does Debt Settlement Affect Your Credit Score?

If youre buried deep in credit card debt, you probably shouldnt be asking if debt settlement affects your credit score. Instead, you may want to consider if you should really care what your score is. Think about your situation very seriously for a moment. Youre losing sleep and can barely make the minimum payments due on your credit cards. This situation is making you nervous and you cant shake the sick feeling in the pit of your stomach because youre always thinking about the money you owe and how youll be able to pay it back. Should you be worried? Probably, because this is a legitimate concern, and one that has the potential to remain for several years if you continue making minimum payments.

Now, jump over to the other side for a moment. Lets say youve struggled and sacrificed to make your credit card payments each and every month. Because of this, your credit score is relatively high. So what? Is it worth feeling stressed out just to have a good credit rating? If you should enter a debt settlement program and your credit score is lower than youd like it to be for a year or two, would you be awake at night thinking about your credit rating? Its doubtful. If youre like most people youll probably be so relieved to be debt-free, your credit score will be about as significant as your neighbors sisters dogs puppies.

Entering into a debt settlement program may or may not affect your credit score, depending on what your current situation is. Chances are, if youve made some late payments already and/or your credit cards are carrying high balances, your score is probably not as high as you may think it is. Negotiating reduced settlements with your creditors, through debt settlement, however, can save you thousands of dollars, help you avoid bankruptcy and finally get you to the point of being debt-free and stress-free in less than two years very possibly even sooner.

If you should decide that debt settlement is your best option, be sure to hire a company you trust. If the first representative with whom you speak sounds like a salesperson and not really interested in your concerns regarding your current financial situation, theres a good chance youre not going to get the customer service you desire and deserve once you become a client with this particular firm. While going through the process of debt settlement, youll want assurance that your questions and/or concerns will be addressed promptly by the company youve chosen.

In summary, you should probably take a good look at what matters most to you a lifestyle free of debt and concern, or a high credit score. When it comes right down to it, the choice really is yours, so be sure to make the decision youre most comfortable with.

Susan Megge is a consultant in the credit services industry. Over the past several years she has assisted many individuals in resolving their debt-related matters. For more information regarding credit and debt visit http://www.donaldsonwilliams.com384
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