Financial Tips

Intro

While we’re on the subject of health and money, let’s go a little bit laterally and talk about getting the life that you want. Of course you want to make good money, live well and have a great time. But it’s very easy to end up putting a lot of pressure on yourself — much to your detriment. You have to break out of that, but you might not know how to do that.

We decided to delve into this subject a little bit — it might be a little long, so get your cup of coffee ready.

The Way Most Young People Start Out – and Why They Fail Quickly

A lot of people push themselves way too hard, for a wide variety of reasons. They might have grown up very hard, and they feel that they must work that hard in order to get past the background that just can’t seem to stop following them.

Yet there’s a time and a place for hard work. If you study the most successful people on earth, you’ll find plenty of hard work. Yet you’ll also find laser targeted focus. It’s not just enough to work hard on anything. You have to identify the things that are really going to mace you forward.

Don’t just look at your friends. We hate to say it, but most of our friends just give the appearance of looking busy. They want people to look at them and say “Oh, look at how busy they are!”

That’s not real productivity. Like most people, you probably have Internet at your house. Do you really do anything online that helps you reach your goals? If you don’t, it’s probably likely that you’re just hanging out on Facebook with your friends. Facebook isn’t going to make you the money that you really want.

I can already hear the social media fans say that Facebook has a purpose. This is true — but I will counter simply that most people aren’t on Facebook to really build a network that gets them anywhere. They are on Facebook to forward funny pictures and get their opinion across to people that already agree with them. Anyone who disagrees with them is just spreading “drama” and that’s not fun or nice.

So really, the social media thing isn’t being used to reach your dreams. And if something isn’t getting you in the right direction, why not cut it out? Of course, if you’re addicted to Facebook like so many of us are, you might want to limit your time. Don’t use Facebook as a crutch to avoid solving deep problems. That’s what the crowd does, and you’re trying to break away from the crowd, right?

The F Word Doesn’t Have to be Bad…Unless You Make It So!

I’m going to talk about failure. Yes, that’s right, I said it — failure. SO many of us in the under-30 category are so scared of failure that we don’ do anything. That’s the real cause behind the “failure to launch” syndrome, where people never move out of their parents home. Sure, they might not want to live at home with Mom and Dad, but the reality is that at least their parents are the devils that they know. They’re more afraid of the devils that they don’t. The real world is tough, don’t get me wrong…but it’s not impossible. There are plenty of people that actually make a decent living. There are plenty of people that go out and have a good time and they move towards their goals in a timeframe that suits their needs.

You can do it too.

Failure doesn’t have to be bad unless you assign it that feeling. It’s a really neutral thing, at the end of the day. You just need to make sure that you’re thinking about what to do after you fail at something. Is it something that serves your ultimate goals? If not, don’t worry about it. If it does affect your goals, give yourself time to reflect. In my opinion, there are far too many distractions in life. You need to unplug from these things and really elevate yourself to a higher platform. That’s the best way to do it. (more…)

Debt consolidation, credit counseling and debt settlements are all options for paying off your debt. Yet, not all of these options are the best choice for everyone. When it comes to how you got to this position, little matters. What does matter is how you will get out. Without becoming overwhelmed and confused, you need to take a serious look at what your options are. To help you, there are several things that you should consider and that’s what is pointed out here.

Debt consolidation vs Credit Counseling

Debt consolidation facts:

·         This is a loan that you will take out that will be used to pay down your credit card debt or other debts that you have.

·         Your debt is restructured so that you get to start over with this new lender.

·         Your credit cards are paid off and you can begin to start rebuilding your credit rating.  You can also rebuild your credit by using a debt consolidation loan that is paid off timely.

·         The best interest rates that are offered on these debt consolidation loans come from those that use secured loans.  These are secured through the equity in your home (although you can secure them with other types of assets as well.)

·         You may not qualify for a debt consolidation loan if your credit score is very poor or you do not have a steady flow of income.

·         If you qualify for a personal debt consolidation loan, you are likely to pay high interest rates.

Credit counseling facts:

·         You will work with a counseling company to determine what your monthly budget should be.

·         Your counselor will work with your lenders to help get your interest rate lowered on your loans and other debts.

·         The credit counseling company will be paid one monthly payment to pay off your creditors. Generally, this amount will have to be automatically withdrawn from your account each month.

·         Some creditors will lower fees, will reduce charges and will lower your balance for the time period that you are working with the counseling agency.

·         You will not be erasing your debt, but working on paying it down.

·         For some, credit counseling can have a bad effect on their credit especially if they do not continue to pay it down on a timely basis.

Debt consolidation? Credit Counseling? What is the right choice for your specific needs?  Look at the options that you have and compare how they affect your needs. In the end, you want to determine which options work the best for you, not the lenders and not the companies. You can then pull yourself out of debt.

To read more great financial articles, check out financial blogger.

Looking for something that’s really going to set off the holiday season properly? Then look no further than logbook loans. What is a logbook Loan? It’s something that’s going to definitely make it easier for you to make ends meet, all without really losing anything at all. As long as you take care of your obligation, you will not be putting your car at risk in any way.

So why do people give logbook loans such a hard time? The truth is that they really go on more myth than truth when it comes to these loans. They are a bit higher in terms of interest than other loans, but they can be picked up very quickly. That’s part of the premium that you’re going to have to expect when it comes to getting this type of loan.

The other part that makes logbook loans so much of a premium is that they are truly open to everyone. It’s no secret that not everyone has a clean financial record. This means that you’ve made some mistakes along the way, but why should those mistakes keep you from really leading the life that you were meant to lead? Why should those mistakes keep you from doing a little extra this holiday season to show friends and family that you care?

Once you get the money covered by your loan, the sky is the limit in terms of what you do with it. You don’t have to disclose to anyone what you do with the money that you borrow. It’s designed to make your life easier. So if you need to borrow money to pay some bills so you have a little breathing room, you can do that. If you have an idea to purchase some stuff on deep discount before the holidays really get off the ground, well, you can do that too.

It’s completely up to you to figure out what you’re going to do, how you’re going to do it, and when you would like to get started.

Don’t just buy into what people say about logbook loans until you figure it out for yourself. If you just buy into what people are saying, you’re going to be counting yourself out of a lot of good stuff without realizing it.

The best thing that you really can do right here, right now is think about your own options. If you need money quickly and you’re tired of being blown off by banks, you just might find that logbook loans are exactly what you’ve been looking for.