Debt Advice – The Facts
It’s a complex world, but most of us still manage to get on with it: whatever our job may be, we turn up every day and tackle the challenges that come our way.
When it comes to debt, though, it’s not so straightforward. Many people end up with serious debt problems they just don’t know how to deal with. Why is that?
- It could be because debt’s a complicated subject, full of unfamiliar terms and issues: repayment terms, APRs, early repayment penalties, and so on.
- It could be because we’re content to leave the details to the lenders. At the end of the day, it’s often tempting to assume that one set of terms and conditions is much like another – so all we want to know is ‘Can I borrow the money or not?’
- It could be because it’s just too easy to get credit – or at least it was until the credit crunch occurred. There are too many people who simply have too many debts: multiple credit cards, multiple store cards, an overdraft, a personal loan, a couple of hire purchase deals…
- It could be because we leave it too long before we look for debt advice.
In short, it’s easy to see how so many people who can cope with life’s other challenges still have a hard time coping with debt. Read the Rest of This Article »
How to Pick Yourself Up When You’re Utterly Demotivated
Some mornings, you don’t want to get out of bed. Your goals and projects don’t fire you with enthusiasm – they make you feel exhausted. It seems like you’ve been working on them forever, and you still have a long way to go.
You feel like you’re beating your head against a brick wall. You’re not making progress – or you’re forcing yourself onwards with gritted teeth, if you are. This happens with all sorts of goals in different areas of life:
- You dread going to the gym because you’re finding it so boring
- You can’t face spending another evening working on your side business
- Your garage is still full of junk, even though you’ve spent several weekends trying to clear it
- Your novel is languishing in a bottom desk drawer
- You’re swamped by books and papers and journals for your research project
However motivated and enthused you feel when you start working towards a major goal, there’s bound to be a point where you just want to throw your hands in the air and quit. Here’s what to do when you’re feeling utterly demotivated. Read the Rest of This Article »
10 Very Common Stupid Tricks That Wreck A Good Life
Many people go through life acting like trained circus animals. They repeat the same antics they observed their neighbors, parents and family performing. What they often don’t realize is that they are wrecking their lives.
Do you know someone that performs these tricks?
Understanding that these tricks change good lives into a zoo is the first step to freedom. So, let’s take a look at the most common traps people fall into.
10 Very Common Stupid Tricks That Wreck A Good Life
I’d bet we’ve all witnessed at least some of these stupid tricks. Unfortunately, they plague many people and are incredibly common. Read over the list and let me know which one you think is the worst or most prevalent.
1. Performing the starring role in a never-ending drama
It seems that some people want the days of their lives to mirror a soap opera. They constantly behave badly and then wonder why their lives are so freaking crazy. It is almost as if they are addicted to chaos! These folks usually fail to see that they are their own worst enemy! Do you know someone that is the big star in their own perpetual drama? Read the Rest of This Article »
Are You Getting Knocked Off-Course By Obstacles?
Do you feel as though you’d accomplish so much more in your life if it wasn’t for all the obstacles in your way? Perhaps you’ve started on the journey towards numerous goals over the past few years … only to get knocked off course by all sorts of things.
If you’ve ever been on a diet, you might have faced obstacles like a vacation, Thanksgiving dinner, a box of chocolates, a busy or draining week…
If you’ve tried to write a book, your obstacles might have been social obligations, a lack of time or space to sit down and concentrate, no feedback or support…
If you’ve never managed to save up as much money as you’d like, you may have come up against obstacles like your car breaking down, invitations to pricy events, the irresistible impulse buy, or the expenses of Christmas…
Perhaps you feel as though you did your best. You had good intentions, you made plans – and then all sorts of things came up to derail these. Deep down, though, you know that people do succeed in dieting, writing books or saving up money … and that they sometimes hurdle seemingly insurmountable obstacles in order to do so. Read the Rest of This Article »
5 Insider Secrets For Writing With Confidence
I’m a professional writer. I work for blogs and the occasional magazine, and in the past I’ve written for clients who wanted website copy. My fiction has also been published, including a couple of competition prizes. Small successes, perhaps; but even these wouldn’t have happened without a strong level of writing confidence.
Since I write for a number of blogs, I often get questions from would-be writers. Something which crops up frequently is a lack of confidence. Many (surprisingly good) writers never send pieces to an editor, or agonise over every post they write on their own blog.
It doesn’t need to be that way. Good writing isn’t the preserve of a few lucky individuals – after all, none of us were born able to write! And, in the 21st century, many stifling grammatical “rules” no longer apply. You’re free to write in your own voice and your own style … and you can enjoy it. Here’s how: Read the Rest of This Article »
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