Credit, Money and the Home

Written by Kimberly Flores


Continued from page 1

Common attitudes that lead to debt

1. Ignorance. Many people, especially those inrepparttar 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 haverepparttar 116649 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 ofrepparttar 116650 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 seesrepparttar 116651 evil and hides himself, butrepparttar 116652 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,repparttar 116653 sooner you will be out of debt. 3. Develop a balanced budget. A balanced budget isrepparttar 116654 primary tool in any family’s plan for managing money. If you are in debt already,repparttar 116655 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 withinrepparttar 116656 guidelines of your budget. 5. Learn to trust God. God knows what you need before you ask, so begin to trust Him forrepparttar 116657 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 onrepparttar 116658 principles of God’s Word, not onrepparttar 116659 world’s financial principles and conventional financial wisdom.

Conclusion God wants us to live debt free in order to serve Him torepparttar 116660 utmost of our abilities and resources. If we are in debt, we are bound torepparttar 116661 creditor and are not free to serve God torepparttar 116662 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.

End Quote

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 userepparttar 116663 stress relief, but leaverepparttar 116664 resource box intact.



Founded by Kimberly Flores: Always looking to make a way in the wilderness. Here to get the information of the Power of the Web into your hands. Seeking out the profitable tools that the budding entrepreneur needs to get an edge. Home Biz Tips - send an email to testedtough@getresponse.com WEB: http://testedtough.com http://infonowservices.com


Your Thinking To breed Success

Written by Dave Jones


Continued from page 1

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 onrepparttar 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 ifrepparttar 116648 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,repparttar 116649 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 becomerepparttar 116650 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 atrepparttar 116651 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




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