Common attitudes that lead to debt

1. Ignorance. Many people, especially those in baby boomer generation, never were trained how to handle money. The philosophy of today’s society is to spend and spend; if you don’t have money to spend, charge it. If you want it, get it, because you deserve it. 2. Indulgence. In today’s American society we tend to feel that we should get what we want, when we want it. The whole concept of saving in order to buy seems to be a thing of past. 3. Poor planning. No matter how noble our intentions may be, without a written plan that gauges and monitors income versus expenditures we will eventually find ourselves in debt and having financial troubles.

How to get out of debt

“The prudent sees evil and hides himself, but naïve go on, and are punished for it” (Proverbs 22:3). The following are steps that anyone can take to get out of debt and to stay out of debt. 1. Give to God first. The first fruits of all that He gives us—the tithe from our gross income—must be our first commitment. Without faithfully fulfilling this commitment, all other efforts will fail. 2. Stop all forms of borrowing. This includes credit card use, personal bank loans, family loans, student loans, and all consumer credit. The sooner you stop borrowing, sooner you will be out of debt. 3. Develop a balanced budget. A balanced budget is primary tool in any family’s plan for managing money. If you are in debt already, budget will need to be fairly restrictive at least for a while. 4. Work out a pay-back plan with your creditors. Most creditors are more than willing to work with people who honestly want to repay them. Make sure that every creditor gets something, but stay within guidelines of your budget. 5. Learn to trust God. God knows what you need before you ask, so begin to trust Him for things you need but can’t afford. Do not charge to get them; wait for God’s provision. 6. Exercise self-discipline as a lifestyle. Curb impulses to buy. If it is not budgeted, don’t buy it. 7. Seek wise counsel. Many people need assistance in establishing and maintaining a budget and working with creditors. 8. Rely on God’s Word. Make all financial decisions based on principles of God’s Word, not on world’s financial principles and conventional financial wisdom.

Conclusion God wants us to live debt free in order to serve Him to utmost of our abilities and resources. If we are in debt, we are bound to creditor and are not free to serve God to utmost. If you are in debt, determine now to get out and stay out. Anyone can become debt free and stay that way, with desire, discipline, and time. With God’s help, it can be done.

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So my friend let us be prosperous in a productive way. I’ve enjoyed sharing my heart with you, forward this to any one you feel can use stress relief, but leave resource box intact.

Now imagine if you could apply that same euphoria to everyday happenings. Well, there's nothing that your mind won't accept if it's repeated often enough over and over. Problem is that we generally tend to focus on not so good. There it is in a nutshell, what your mind is used to seeing is how it will ultimately operate. I mean to say, how would you cope at our earlier sun watching celebration if cold was too much of a challenge?

Giving up is not something I really have in me and it really stems from wanting to change and improve things until I'm happy with them. I mention this because if you're starting out in a business there will be times of frustration where you'll think nothing is working or going right. Bottom line though, you can only get better. From where ever it is that you actually start, chances are you will only get better, and over time most always you will improve further.

It's fairly important then to apply as many of those good things that make us see that special place, into our normal day to day thinking; so that they then become normal rather than highlights. A series of holes in one if you will.

This applies not only in your business dealings mind you, but into every facet of living because it's exactly this mindset that uplifts and brings success. The trick is to place it on auto pilot and keep it there.

So if you ever need a reference to stay your mind from an unshakeable negative, spare a thought for our erstwhile inhabitants in our Artic North and find yourself a better place that works for you.

Take a few minutes each hour and progressively go over all of those things that are good and right with you. In no time at all you'll have that sun coming up at end of a long hard winter....and it will be all that you see. Apply that to your business and there's no conceivable frustration that will derail you from getting ahead.

Copyright © 2004, Dave Jones, new to the E-commerce game and hoping to be successful in several ventures. You can find more articles and insights by Dave at http://www.work-at-home-create-opportunities.blogspot.com located at http://www.work-at-home-create-opportunities.com