The holiday season is not a secret, we all know that it is coming. Do what you can now to plan and prepare to ensure that you can actually enjoy the season. Plan ahead as far as possible, so your stress level can be kept to a minimum.
If I close my eyes and try hard enough, I can hear my mother's words in her own voice in my head, just like you replay a saved voicemail message on your cell phone. It remains one of life's little lessons that has stayed with me my entire adult existence. I consider it propulsion fuel for my motivation tanks.
Here's a fun exercise you can do in just 20 minutes that might be the catalyst for some positive changes. At the very least it's a mind-opening experience.
I was then informed that the rest of the day should be spent putting seasonal decorations into color-coded bins, collecting tools from the garage shelves and putting them back into my toolbox, cleaning our closet out and putting everything back in an orderly and easy to find fashion, and sorting and organizing the "junk" drawer in the kitchen again.
The best way to build self-confidence, I believe, is to start piling up little successes that you can believe in -- the building blocks of bigger achievements that will strengthen your psyche and make your reputation.
But most importantly, he had to understand why I was doing this plan and why it was worth the current struggle. I needed my husband to understand how our current sacrifices would ultimately help us retire comfortably.
Keeping a record of all money moving in or out of my household was essential. I would also add expenses such as taxes, insurance, even the occasional splurge, and whatever expenses I incurred those were not monthly but I knew would come up during the year (I use monthly averages for them). This helped to cut down on surprises that can seem like unmovable obstacles.
I have had debt several times in my life, and I have worked hard to keep it under control and pay it off early.
I have to admit I am one of those crazy people that go out shopping on Black Friday. My reasons for going have nothing to do with sales, deals, doorbusters, or free stuff (ok maybe just a little); this is a tradition I started with my mom when I was just sixteen years old.
A careful review of your debt relief options is important. Make sure what you choose is something that you can commit to. If you are still not sure or need help deciding, please contact one of Certified Personal Finance Counselors who can help you pick the option to help you get started on your journey to debt freedom.
For years, I happily ran from store to store using credit to finance holiday extravaganzas. I bought everything from enough food to feed a hungry army, to a mind-boggling pile of Christmas gifts. Throw in many, many expensive restaurant dinners because I was too exhausted to go home and cook, and you have a good picture of the spending frenzy that ran from pre-Thanksgiving until New Year's Day.
My request was declined because my debt-to-income ratio was still higher than the bank's liking. This is AFTER we've paid off over $70,000 of credit card debt through our debt management plan.
Years ago, I learned a business lesson that's as valuable as it is simple: When you're setting out on a project, you want to have it very clear in your mind -- and in the mind of anyone involved in the project -- how you'll know when you win.
Welcome to Part III where we will talk about freezing vegetables. I'll share some new ideas I learned and really like as well as give you some tips that may help you if you have never attempted to freeze vegetables.
Whatever the situation, being under- or uninsured when you already have high credit card debt is a recipe for disaster, so let's explore a safer path.
The longer I was on the plan the more I learned about budgeting, planning, and preparing for my future. My mindset changed during those 34 months of paying off debt.
In light of some recent medical bill nightmares I have decided to do some research on ways to reduce these unavoidable expenses. Of course I know about all of the usual ways to save; have an emergency fund, never pay a medical bill with a credit card and set up a payment plan if you can't afford to pay in full.
And, most importantly, I don't have to worry about my credit score if we need to get a new mortgage. What a great time it is to be free, and debt free, America!
While people were busy making bucket lists of things they wanted to do before they die, I took a different approach. I made a reverse bucket list.
Vonnie and I have been climbing the hill of a debt relief roller coaster inch by inch, dollar by dollar, for three years and four months. Like a roller coaster rider, eyes closed, we listened to the steady click, clack of the car wondering if the ride would get stuck. Wondering if we would ever reach the top. Wondering if it would ever end.
10 More tips to help our customers stay on track and hit their financial goals!
This month's CareOne theme is "Focus on success." To kick it off, I want to talk about finding your mission. Wait! Please don't tune out because that's too heavy or too spiritual or whatever. Because there's a non-heavy approach to it that can help anyone -- even if you have no idea of what your mission in life is.Ready? Let's do this together.
I worked full time at a really well paying job all through University and Grad school, but instead of saving, I spent more than I made and came out the other end with debt. It's disappointing, and frustrating to know that I have nothing to show for the amount of money I made.
We are placing the spotlight on some of the familiar members you see engaging in the Community or entering the Share the Wealth contest on the CareOne website.
Staying focused and disciplined is the key to success on your debt relief plan, but we know it's not always easy. What is your favorite motivational quote, or motto, that helps keep you motivated?
In addition to the blogs, be sure to check out the new CareOne Groups:
Are you finally out on your own and figuring out how to balance your finances? If so, this is the group for you. In Starting Out, you can talk about the challenges you are dealing with in a group of like-minded people.
Do you feel like you are finally understanding what being a "grown-up" is all about and are settling into your adult life? If so, this is the group for you. In Settling In you can connect with others who are just like you.
Struggling to balance all that an established lifestyle has to offer? The balancing it all group is for you. Discuss the challenges you face when your responsibilities at work, at home and with family and friends all compete for your attention.
Are you currently retired or planning on retiring very soon? If so, this is the group for you. Times have changed and so has retirement. Learn how others are redefining retirement.