ComputerHunter.org |
|
|
|||
|
 |
Self Help When Youre In Debt
It's no fun being in debt. Money shortages are always stressful and serious debt can emotionally drain you. And yet, while you'll find lots of advice about the practical aspects of debt management, there is precious little help available for the psychological side of things. Negative feelings like fear and anxiety need to be dealt with before they start to overwhelm you. So here are some self-help tips on how to deal with this challenging period in your life: -- Count Your Blessings It's only money. Now that's probably the last thing you want to hear right now, but it's true. If your only problem in life is lack of money then count yourself lucky. Losing your money isn't like losing a loved one, or being diagnosed with a terminal illness, Money problems can be solved. -- Accept Responsibility Your own spending behavior is at least partly responsible for creating the problem. So stop blaming the credit card companies for 'pushing' the debt drug onto you, the poor helpless victim. You're responsible. And that simple act of accepting responsibility will empower you and propel you towards right action. -- Stop Spending When you're digging yourself into a hole, the first thing to do is... stop digging. Obvious? Perhaps. But when someone realizes the sheer horror of serious debt, it's almost a natural defense mechanism to go into denial mode. And one common method of denial is to continue spending and borrowing more money. Just stop. Rip up the credit cards. (Don't worry, you'll survive fine without them.) And remember that you need exactly four things in this life: food, water, (basic) clothing, and shelter. Consider everything else a luxury. -- You Are Not Your Money Sadly nowadays, money buys status. It's easy to believe that your value as a person depends on the value of your bank balance. Nonsense! You are a unique individual with many special qualities. There will never be anyone quite like you ever again. You're wonderful! You're terrific! And your character and personality are not a product of money. Plus.. does it really matter what other people think of you? Well that depends on what you mean by 'people'... Quite often they are "acquaintances"... or anonymous strangers you pass in the street who may admire your latest designer suit... or shop assistants happy to sell you another expensive item of jewelry. Are these people really important to you? Of course not. Focus on the folks close to you who really matter. True friends and family don't judge you by your wealth. -- Grab The Opportunity Life's problems are nothing more than tremendous opportunities for personal self-growth. Ask yourself what you are learning from being in debt. Is it a humbling experience? In which case, is it really such a bad thing to discover what it means to be human? Perhaps you are learning compassion for other humans, and beginning to see the beauty in other, 'ordinary' people. And if you've lost your job - a common cause of debt problems - then look on it as an opportunity for a new start in life. What would you love to do - instead of just making money? As you may have realized, being in debt is not all bad news. Viewed as opportunity for self-growth, it can be the turning point on the road to true 'riches'. About The Author Paul Davis writes for Debt Elimination 4U, showing ordinary people how to get out of debt and stay out! Visit the site at: http://debt-elimination-4u.com
Google News - Top Stories
|
|
|
|
RELATED ARTICLES
3 Big Fat Lies that Deserve to Die Big Fat Lie 1: Your personality is formed and unchangeable by age 5 or 6 Anam Chara - Living A Life Of Value Much of our lives we spend comparing what "me" has with what "you" has. Usually this is to the detriment of "me." We take our values from the world of the visible and ignore the values of the invisible. We build our sense of self on the sifting sands of fortune. The Seasons of Life, Part 1 of 5 Life is about constant, predictable patterns of change. For the six thousand years of recorded history, as humans have entered this world, received parental instruction, classroom instruction, and gathered the experience of life; many have set for themselves ambitious goals, and dreamed lofty dreams. Fighting Grief: The Time To Show You Care The news came as a shock to us all. He who had been ill for days had been taken to the hospital. It was found out that he had very high amount of creatinine in his blood, resulting from a stone in one of his kidneys. Aftermath of a Child?s Near Death Experience An 18 month-old girl lay dying of diphtheria in January of 1944. It was before the widespread use of antibiotics. In fact, the antibiotics were reserved for the troops fighting in World War II. That's where the little girl's father was...on Iwo Jima. A Dream is Just a Dream ... Or is It? Some people dismiss dreams as nonsense, thought patterns running amuck as we sleep because we are not conscious and in a position to control them. Self Talk: What Do You Say When You Talk to Yourself? You have just completed a major work project before the deadline. Having worked diligently and spending your own time, you're proud of the results and can't wait to impress your boss. You show him the project and he immediately begins to criticize it and you. The criticism is completely unwarranted. What do you say to yourself? "I've failed again" or "He must be having a bad day, I know I did an excellent job"? Personal Philosophy is Like The Set of The Sail We have all experienced the blowing winds of disappointment, despair and heartbreak. Why, then, would each of us, in our own individual ship of life, all beginning at the same point, with the same intended destination in mind, arrive at such different places at the end of the journey? Have we not all been blown by the winds of circumstances and buffeted by the turbulent storms of discontent? When Self-Growth becomes Self-Sabotage Many of us invest quality time and energy into our personal development. We buy inspiring books, sometimes with the workbooks or journals that complement them. We discuss psychology with our friends ? or we look for friends with whom we can have open discussions on the subject. There is activity in our mind ? at times a little bit of confusion. We encounter so many different lines of thoughts, so many tools, so many exploratory exercises we can do. It's as if we were in the middle of a dense, majestic forest? Change Your Landscape by Seeing with New Eyes A Story (Source Unknown) ? One day a very wealthy father took his son on a trip to the country for the sole purpose of showing his son how it was to be poor. They spent a few days and nights on the farm of what would be considered a very poor family. Upon return from their trip, the father asked his son how he liked the trip. "It was great, Dad," the son replied. "Did you see how poor people can be?" the father asked. "Oh, yeah," said the son. "So what did you learn from the trip?" continued the father. The son answered, "I saw that we have one dog and they had four. We have a pool that reaches to the middle of our garden and they have a creek that has no end. We have imported lanterns in our garden and they have the stars at night. Our patio reaches to the front yard and they have the whole horizon. We have a small piece of land to leave on and they have fields that go beyond our sight. We have servants who serve us, but they serve others. We buy our food, but they grow theirs. We have walls around our property to protect us, they have friends to protect them." The boy's father was speechless. Then the son added this last remark: "It showed me how poor we truly are." Practice Being Like a Child Remember the master teacher once said 2000 years ago, "Unless you can become like little children, your chances are zero, you haven't got a prayer." A major consideration for adults. Universal Thought Systems Language Part 2 Before we are able to use the Universal Thought System in a positive expansive manner, we must learn to use certain words in our language more effectively. The prime characteristic of the Universal Thought System is its consistency. It may not be used to manipulate. It may not be used to gain an advantage. It treats everyone equally. It eliminates the negative side of opposites. Why is this Universal Language so critical to our progress? In our thoughts and actions, we either seek idols or we seek truth. When we find the truth all our answers are provided. Truth contains all answers to every problem. Truth has always existed and will always exist. Our beliefs and feelings color our truth. They act as filters between our truth and our illusions. How to Scare Fear Out of Your Life A reader asks: "Many times in my life I have let fear rule me and stop me from doing something I wanted to do. Do you have any suggestions for how to handle fear?" Where Do You Go For Your Intellectual Feast? (excerpted from Leading an Inspired Life) The Power of Courtesy and Kindness I'm currently listening to The Secrets of the Power of Intention audio program by Dr. Wayne Dyer. I highly recommend the program. In the program, he speaks a lot about the importance of kindness. When you consistently have thoughts of kindness, you have a clear connection to the way things work well in the world. Good things start to happen to you automatically. Even the chemistry of your body changes to create emotions that make you feel good (endorphins). You begin to attract allies who will go out of their way to help you without being asked. Nothing To Celebrate Direct Answers - Column for the week of August 12, 2002 Whats Your Reason For Waiting? The fever had been high late into the night, but at 2:30 A.M., it broke. The little girl's mother breathed out in relief. She'll be O.K. in the morning, she thought. Hope For Those Sexually Abused As Children PART 1: Warning - This article may be inappropriate for younger readers. Please seek the permission of a parent or guardian before reading further. Where Has All the ENCHANTMENT Gone? Long Time Passing I thought you might enjoy reading a professional article I prepared several years ago. It is just as current today and really speaks to a tragedy in our health care system that we must all try to combat. I am trying to explain some of the problems of managed care which penetrate much more deeply than out pocketbooks. These problems penetrate our minds, bodies and spirits! I am eager to hear from you, as always. Encouragement--Heart At Work Encouragement can have a very powerful effect on bosses and co-workers. The literal meaning of the word, encourage, is to put heart into. When this definition is applied to work situations, it suggests:
|
|
|
|
|
