Dealing with Creditors When You’re Afraid To

creditors maureen campaiola

Nobody likes the idea of dealing with creditors.  I know I never met a collection person who was either kind or nice to me when I was struggling to pay my bills.  They usually approached the conversation in attack mode which of course put me on the defensive. It seemed that no matter what my… [Continue Reading]

The Emotions of Losing Your Home

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Picture this:  You’ve been unable to pay your mortgage for a couple of months.  The bank sends you a foreclosure notice.  Unable to find the money, the bank takes your home. Other than losing a loved one, I don’t know what’s more devastating to someone’s self-esteem and pride than losing their home.  And for most,… [Continue Reading]

3 Simple Money Habits To Put You On the Right Track

break through your money bs good money habits

I’ve been on this new quest to lose weight and I’ve been applying the same principles I used to gain control over my money situation to my weight issue.  So far, it’s been working pretty well as I’ve already dropped 21 lbs. When I started gaining control over my finances, I quickly learned that I… [Continue Reading]

3 Tips to Help You Design A Better Financial Future

finacial freedom ahead

Designing change or, put another way, designing your life is a big undertaking.  Cool concept and one that always comes up as we enter a new year.  People have made their resolution, which is great, but the real test is in the implementation. I read a statistic recently that 47% of Americans are vowing to… [Continue Reading]

The Best Gifts

the best gift

“It’s the most wonderful time of the year!”  That really all depends.  If you are someone who struggles with overspending or you haven’t planned for the holidays and will now rely on credit to make your holiday purchases, then it probably isn’t the most wonderful time for you. The holidays are frightening times for those… [Continue Reading]

Your Savings Account Is An Indicator of Your Financial Health

financial-health

According to the National Bureau of Economic Research, nearly half of all Americans are considered “financially fragile.” What does this mean?  It means in an emergency situation they couldn’t come up with $2,000 unexpectedly in the next month, or would have to resort to desperate measures to come up with the money. What I found most… [Continue Reading]

The Silver Lining of Unemployment

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No one likes to hear the words, “You’re fired.” Even if your boss sugar coats it with “I hate to do this, but I have to let you go,”  or you were fired up to quit but they beat you to the punch. It always stings. Getting caught unaware can put you on the express… [Continue Reading]

How Change in Income Can Affect Your Environment

Organize Money

Adapting to a lower income seems to be harder than adapting to a higher income.  Wouldn’t you agree? It’s kind of crazy how change in income, especially a loss of income, can affect your home environment. You may have heard the saying “inner chaos breeds outer chaos.” Or the opposite, “outer chaos breeds inner chaos.”  … [Continue Reading]

Three Tips to Ensure You’re Prepared for a Change in Income

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So many people have experienced a change in income levels since the recession started. Additionally, many of us have witnessed our retirement accounts dwindle to lows that make us feel nauseous. When I talk with people who have either been laid off from work or have seen the numbers in the business decline significantly, the… [Continue Reading]

How Responsible Are You With Your Money?

women with bills

Your relationship with money comes with responsibilities. It needs to be cultivated and given the attention it deserves. Ignore it and it will get your attention in ways that aren’t so positive. Here are three tips to help you get responsible with your money starting today! Tip #1: Where You Put Your Bills Do you… [Continue Reading]

Do You have a Healthy Relationship with Money?

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Imagine taking your life to the abyss of the last 10%? It’s that place that people like Oprah, Richard Branson, Marian Williamson, Wayne Dyer and some other respectively successful people in their field go. It’s a place that most of us will never know because we said so. I don’t mean that to discourage you… [Continue Reading]

3 Lifestyle Changes To Help You Get Out of Debt

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Several years ago, faced with the possibility of losing my home and filing bankruptcy, I had a financial awakening. Lucky for me I had it in the nick of time. Without that kick in the pants, that slap in the face, I would never have changed my ways. The ways in which I changed were… [Continue Reading]

Preparing for the Financial Changes that Come with Divorce

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The biggest change in lifestyle when two people get divorced is financially, and it is also the most obvious. In fact, finances are often a reason that some couples stay together as long as they do. But, when it gets to a point where keeping the marriage together is no longer an option, the couple… [Continue Reading]

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