Category: Debt Reduction

Services that help you to find freedom from financial distress. Articles about debt, real estate short sales, gov't loan reduction, other debt reduction.

Oct 23

The Action Plan Strategy That Organized People Don’t Share About Life

Your life plan for success

Your life plan for success

Without a life plan, we flounder about without a life raft. Get this free download and get started. After reading this book, you can utilize the Life Plan template to assist your planning.

This book will give you the strategy that is needed to get you started building the life you want.


My Life PLAN

[Your Name]

As of Wednesday, October 23, 2013

Outcomes For Life

How do you want to be remembered by the following?

[Write your outcome here.]

My Spouse             [Write your outcome here.]

My Children          [Write your outcome here.]

My Parents            [Write your outcome here.]

My Colleagues      [Write your outcome here.]

My Friends            [Write your outcome here.]

Priorities In Life

What is most important to you?

  1.          1.      [Write your first priority here.]
  2.          2.      [Write your first priority here.]
  3.          3.      [Write your first priority here.]
  4.          4.      [Write your first priority here.]
  5.          5.      [Write your first priority here.]

Action Plans For Life

Account 1: [Write your first account heading.]

Envisioned Future:

[Write your envisioned future statement.]

Purpose Statement:

[Write your purpose statement.]

Supporting Verse:

[Optional: Include a supporting Bible verse.]

Current Reality:

  • [Write your first item.]
  • [Write your first item.]
  • [Write your first item.]
  • [Write your first item.]

Specific Commitments:

Account 2: [Write your second account heading.]

Envisioned Future life:

[Write your envisioned future statement.]

Purpose Statement:

[Write your purpose statement.]

Supporting Verse:

[Optional: Include a supporting Bible verse.]

Current Reality:

Specific Commitments:

[Copy and Paste the action plan for life template as many times as you need.]

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Oct 09

How To Embrace Change In Any Season

Be The Change You Want To See In The World

Be The Change You Want To See In The World

How You See Change

What do you see when you look at your life? Are you a victim of your circumstances? Is the devil out to get you? Well, I beg to differ. I lived in that place at one time but it’s no longer for me. I took hold of my life. I took responsibility for my thoughts and actions and I feel better now.Click the picture below to listen to this Mixcloud Audio below to help you embrace the changes you need to bring you happiness now.

How To Embrace Change In Any Season by Caryn Elizabeth on Mixcloud

Values and Change

When I realized that I was in charge of my thought life, it amazed me to see how poorly I was thinking. I thought I was a positive person. But I also believed that the devil was sabotaging me with events to trip me up. Wow, was I wrong. My values were in conflict and the fear it caused was what messed me up and sabotaged me over and over.

Believe In Your Dreams And Change Your Future

Believe In Your Dreams And Change Your Future

Change is Good

When I realized that I left it up to God to fix things, I still lacked the love for myself that needed to be in place so I could embrace His love. When I saw that I was not a “sinner” but that I had lacked the knowledge needed to live abundantly, I embraced this quest to acknowledge that I was lovable and that God’s abundance was my abundance. I could not escape His love and the universes laws. These laws are set up to help us use our creativity to create the life we want.

How Do You Embrace Change Of Seasons?

How Do You Embrace Change Of Seasons?

Design Change

When we love ourselves, we must include the belief that God is for us. He created the world and provided the model of creativity for us. We are encouraged as spiritual beings to create the life we want by designing it in our mind; seeing the perfect relationships, our beautiful home, fulfilling work life or an exciting business venture.

Change As a Global Agent

Once we find out the secret of a successful life, we will want to help others. It has become my “why” in life. I was “lost” but now I’m “found”. I was “blind” but now I “see”.

Do You See Change As Opportunity

Do You See Change As Opportunity

The Challenge Of Change

Do you see your life in a positive way? Do you like the changes occurring? Perhaps it’s time to revisit your relationship with yourself and see if you might make some changes in the way you see yourself. Your life is filled with possibilities and what you can create is endless. Trust yourself, forgiving yourself and trust that the laws of sowing and reaping are real. Sow seeds of greatness into yourself. You deserve every loving change.

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Jul 04

How Divorce Gambles With Your Finances – 7 Ways To Protect Yourself

Getting Back on Your Feet after a Divorce.

After being married, dealing with “us” becoming “me” can be difficult. Even if your former spouse wasn’t the greatest support system in the world, you likely still took comfort in knowing that you had someone else to help you cope with life’s problems. When you have to start dealing with things alone, it can wear you out mentally and emotionally. The tasks that lie ahead may seem daunting, but you have to remember to take a deep breath and deal with one thing at a time. Believe it or not, ending a bad marriage can actually help you focus more on your own priorities and help you realize that you’re capable of far more than you might believe.


How Divorce Gambles With Your Finances

How Divorce Gambles With Your Finances

Child Custody And Divorce

Whatever bad feelings exist between you and your ex shouldn’t affect your judgment when it comes to determining fair child custody rights. Simply put, if your former spouse is a good, responsible parent, then he or she shouldn’t be penalized because your relationship didn’t work out. On the other hand, if he or she has serious issues like alcoholism or a drug problem that could put your child in jeopardy, then you have to do what is best for your child’s welfare. It’s a tough decision to make, but as a parent it is what you have to do.

Try to separate your own feelings from what is best for your child or children. Distance yourself from your own emotional whiplash and think about what is best for your children. Remember that your kids are dealing with their own feelings of loss and try to keep that aspect of your divorce as amiable as possible. On the other hand, if you feel that spending time with your ex will put your children in bad situations, then you have to muster up your courage and make sure they are legally protected from that.

How Divorce Gambles With Finances

How Divorce Gambles With A Woman’s Finances

Money Management In Divorce

Even if you already dealt with most of the financial aspects of your marriage on your own, it can still be tough to realize that you may be your only means of financial support. It is even more difficult to deal with if your ex ruined your credit or ran up a lot of bills in your name. It’s very easy to get overwhelmed and want to throw in the towel, but explore all your options before you make a drastic decision like filing for bankruptcy. It may seem like an easy way out, but for most people, the consequences outweigh the benefits. Talk to a reputable financial professional before making any drastic decisions.

You are better off to negotiate with your creditors on your own, consult with a debt consolidation professional, or try to balance your budget better so that you can pay off the debts without ruining your credit. In some cases, particularly if you had joint accounts, you may even be able to split those debts with your former spouse. If you’re the one left “holding the bag” because of your ex-husband or ex-wife’s financial irresponsibility, there’s no shame in seeking out professionals that can help you get things back under control.


How Divorce Gambles With Finances Need For Support

How Divorce Gambles With Finances Need For Support

Use Support Systems Carefully

Many people inadvertently distance themselves from other people following their divorce because they feel they need to adjust to being on their own. Cutting off your family and friends and isolating yourself is a big mistake. Ending a marriage, even a particularly bad marriage, is emotionally draining. Don’t be afraid to reach out to your nearest and dearest for emotional support. Not everyone will offer the greatest advice in the world, but having people around you will make dealing with your own pain easier.

Remember that people sometimes go overboard trying to help. While it might relieve some stress if you sit around with your friends and bash you ex for a while, too much dwelling in the past isn’t going to help you re-center yourself emotionally. Vent when you need to, but don’t let lose yourself in negativity. Remember you had strength and willpower before you were married and you still have it afterwards. Ask your friends for help when you need a boost, but don’t spend too much time reliving the past.

The Blame Game

You’ve likely heard the expression that hindsight is always 20/20. That may be true, but it’s no reason to beat yourself up over things that are done and over with. No one goes into a marriage expecting bad things to happen, so don’t allow yourself to dwell on what you should or shouldn’t have done. If we all made perfect decisions then it would be a perfect world and life rarely works that way. Learn from your past, but don’t let it become something that drags you down. What you did then isn’t as important as what you do going forward.

Aside from the emotional aspects of blaming yourself for not ending your marriage sooner or allowing your former spouse to keep making bad decisions that affected you, don’t beat yourself up over the financial mistakes you may have made, or that you watched your former spouse make. It’s far better to let go of your guilt and concentrate on what you can do now to fix those previous mistakes. No matter how bad your situation was, you can always recover and move on with your life.

Divorce is often emotionally and financially devastating, but it can also be empowering. You have the opportunity to get control of your life again and not have to pay for someone else’s mistakes. While dealing with the fallout isn’t always easy, most people find that they have more strength and willpower than they ever realized. While you may resent some of the things that your ex did, the important thing to remember is that he or she is no longer part of the equation. Adjusting to doing everything on your own is scary, but it also gives you a new start to finally do things the way you have always wanted to.

About the Author: Tony Standin is a personal finance specialist who knows what it is like to have to bounce back after a difficult divorce. With a little bit of planning, you can definitely live a strong, stable life – financially and otherwise. Divorce doesn’t me destruction.

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The masterkey experience

Learn More About The Master Key Experience

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Apr 16

Life Insurance as Retirement Savings Option – Things to Consider

life insurance after retirement exercise

Our Plan For Life Insurance  After Retirement Includes Brings  Freedom

Thinking about Life Insurance?

If you are someone who is thinking of investing in a Life Insurance Policy to add on to your retirement savings then you must consider a few things before that. It is important to understand whether such a cover will at all be of any substantial value addition to your post retirement savings or not.

Firstly as soon as you seek expert advice, there might be chances that you will be flooded with mixed advice. Most of them will ask you to refrain from investing in a policy cover. According to them, it is mainly provided by people who are at the peak of their earnings willing to ensure that their families do not have to face financial hardships in case they die. So according to them it would be useless to invest in something like this when you already have reached your stage of retirement and do not have a large family to take care of apart from your spouse.

Life Insurance Cover

On the other hand, there will be others who will opine that it would be better if you invest in a Life Insurance Cover in case you have an estate that is subject to estate tax.

Whatever the expert opinions are, the decision to invest in such a scheme, lies with you. Here are certain questions that you must ask yourself before availing the benefits of the Life Cover:

Are you someone who has received substantial death in service benefits of your spouse?

If you are someone who has had the misfortune of loosing your spouse while he or she was still in service, and are entitled to considerable death in service benefits from the company you need not invest further in a Life Insurance in your retirement— these benefits are high enough to see you through your troubled days in case your children are grown up and you have nobody to look after

Are your premiums going to be costlier than usual just as you are older?

Life Insurance Premiums

Yes as you age, the premiums of the Life Policy will increase. For instance if you are 70 years old and are thinking of buying a level term insurance you will be charged double of what you would have paid in the age of 40.

Do you have anyone to look after even after your retirement?

If yes, then you can think of taking a Life Insurance Policy

Are you thinking of buying an insurance with the pension funds you have received, keeping your spouse as a nominee?

If yes then please remember that the road ahead is going to be very complicated. You have to calculate the total amount of pension that you are supposed to receive and substitute it accordingly with your life insurance policy— yes it is going to be that costly. In case you fail to pay the premiums regularly then both your Life Insurance and Premiums are gone.

Author Bio: Alan Starc has been passionately writing about informative insurance articles for quite some now. Relevant Life Policy is something about life insurance that he has been writing about in recent times.

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Jan 27

Knowledge is Wealth! 5 Little Known Secrets Of Masterminding Your Way To Wealth

Many graduates  attend  college, pay exorbitant amounts to acquire knowledge to leave college and for the next 5-15 yrs. struggle to pay it back.  It’s their hope to be able to get specialized jobs and create the lifestyle that says “we’ve got plenty and we’re happy”.  However, little do these students   know about the accumulation of knowledge in relation to the ability to create a wealthy lifestyle and command of life.  Let me explain 5 secrets of wealth and share how men like Thomas Edison, with little institutional knowledge, by masterminding, created great wealth.

1. That secrets  did  uneducated Edison possess  that the typical college student may need to know? Educational  institutions  teach  students accumulative knowledge. Turning that knowledge into money is where these institutions may fall short.

2. THERE are two kinds of knowledge. One is general, the other is specialized. General knowledge, no matter how great in quantity or variety it may be, is of but little use in the accumulation of money. Knowledge is only potential power. It will not attract money, unless it is organized, and intelligently directed, through practical PLANS OF ACTION, to the DEFINITE END of accumulation of money.

3. This “missing link” in all systems of education known to civilization today, may be found in the failure of educational institutions to teach their students HOW TO ORGANIZE AND USE KNOWLEDGE AFTER THEY ACQUIRE IT. Henry Ford, replying to questions by an attorney  said, “Let me remind you that I have a row of electric push-buttons on my desk, and by pushing the right button, I can summon to my aid men who can answer ANY question I desire to ask concerning the business to which I am devoting most of my efforts .”

4. Through the assistance of his “Master Mind” group, Henry Ford had at his command all the specialized knowledge he needed to enable him to become one of the wealthiest men in America. It was not essential that he have this knowledge in his own mind. The typical college graduate is promised a job. That is all. A leader like Thomas Edison,   knew how to leverage other peoples knowledge to create great wealth.

5. If you are a college student hoping to make it in life, look at your major purpose in life, the goal toward which you are working, and this will help determine what knowledge you need. With this question settled, your next move requires that you have accurate information concerning dependable sources of knowledge.  To create great wealth, you may need much more specialized knowledge than you have the ability or the inclination to acquire.  If this should be true, you may bridge your weakness through the aid of your own “Master Mind” group.

As knowledge is acquired it must be organized and put into use, for a definite purpose, through practical plans.  Knowledge has no value except that which can be gained from its application toward some worthy end.  Masterminding is the best way to accumulate the exhaustive knowledge to do great things. Considering this while in college, you may find others who have these skills.  Start making connections while in school. You can do great things in life. Masterminding is the secret to get wealth!

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Jan 21

Business Debt Relief Advice | Angela Sanders

If you are a businessman, you must know that in business we all have to borrow funds for its development, expansion and maintenance. Repayment of all these debts depends on the steady flow of business profits. However the business owners can run into various troubles like lower demand for the products, mismanagement of funds or the simple instability of market. As an invariable result the debts start piling more while profit starts declining on the other hand. Acquiring too much debt can cause the downfall of a business, preventing its growth and ability to sustain in the market. To avoid such debt hassles and get your business back on track there are few debt relief programs available in the market such as debt consolidation or debt settlement. To avoid bankruptcy and eliminate your current debts take business debt relief advices from experts in the respective field.

Evade bankruptcy

Bankruptcy is not always the best possible option for all businesses. It tends to be unnecessarily prolonged and tedious sometimes. The new law and extra paper work not only delay the process but also cost you a fortune. In addition to it the court appointed trustees start supervising your business during this entire processing. In case if you have small amount of personal loan tied into your business you also have to file for personal bankruptcy along with the current one. Therefore it is better for those who are looking for debt relief help to go for other alternatives instead of filing bankruptcy.

Purpose of Business Debt Relief Advice

Good business debt relief advisors start their work by thorough analysis of your current business and its financial status. They attempt to identify the reasons which force the business to get into debts. They calculate the amount required to mitigate its losses and if possible provide you with that amount. After a careful review of the entire scenario they start rectifying the defects in your business plans and its budget as well. These professionals aim at the financial recovery of the business through credit repair, bank levies, foreclosure avoidance or debt negotiation.

Debt consolidation

Debt consolidation is one of the best suitable business debt relief programs which work within a short time plan. By debt consolidation, all debts are merged into one manageable amount and replaced with a single debt with a much lower interest rate. They also negotiate and convince the creditors to lower their interest rates and eliminate extra fees as well.


There are several benefits of appointing a well experienced business debt relief program. They chalk out a business plan for you and save you from borrowing in future. It also helps you to manage the repayments within your business income. Usually their terms and conditions are pretty flexible and you remain free to pay the entire amount of debts all at once or part wise depending on your business profits. You can stick to the fixed installment plan as well if you want to.

Ways to avoid business debts in future

  • Strive to negotiate with your suppliers to get a better discount while shopping in bulk. If possible avoid buying more inventory and equipments on net and for the time being do not buy things on credit terms.
  • Avoid accepting your client’s payments at the end of the year and wait till the arrival of the next year. If your clients pay you in January your income would be taxed in the following year and you will have some extra time on your hand while in case of December payments your income will be taxed right after you file your payments.
  • Now onwards borrow the minimum for your business needs. More loans and their high interest rates would increase your debt loads in future.
  • Lease the minimum place you need for your office or warehouse or storefront. It costs you less than renting a place for the same purpose.
  • Offer credit accounts only to clients and customers who possess a clean purchasing and payment history. It will save you from clients who may miss paying for good s and services and at the same time prevent your business from going into further debts.

Business debt comes from many sources, including non-paying clients, the cost of space, inventory, equipment, and loans. Manage your debts with business debt relief advices and be careful while choosing your business debt relief service in future.

Angela Sanders


Angela Sanders is a guest author on Caryn Elizabeth. She offers valuable content to those interested in debt reduction, debt consolidation and debt elimination. It is an honor to have the addition of this valuable content to my readers on CarynElizabeth.Com.

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Dec 29

Get Rich – How To Get Rich Without Anxiety!

Goal Set By Affirming Your Way to Riches Using This Easy Formula

So you are in debt up to your eye balls. You lost your JOB and you need to do something to make ends meet! You’ve played the lottery and discovered it’s a waste of money. You bought into get rich quick schemes and lost your shirt. You gave your last dime to a family member and they never paid you back. You save and save but there’s too much day at the end of your dollar.

Is there a way to actually get rich in a natural easy way? In this article you will find the way to do just that. Follow this formula and you could be rich in way less time than without it.

Achieving riches comes by writing precise action steps. Setting a goal to make “a lot” of money is too vague. Your mind will take action creating solutions when you give it precise information. This list will give you a start.  Begin your journey to get rich by reading these affirmations daily.

1.       I know what I want

2.       I desire to be rich.

3.       I desire money daily.

4.       Money is attracted to me.

5.       I desire to have money to pay ________________ (place your specific $) each month for my____________(each bill).

6.       I expect to be justly compensated for taking risks and actualizing my money making ideas.

7.       I am a winner.

8.       I continue to advance in the face of every obstacle.

9.       I am not easily discouraged by occasional roadblocks.

10.   I am not defeated by obstacles.

11.   To me, an obstacle is merely an opportunity  in disguise.

12.   Some of my most successful money making opportunities started out as obstacles.

13.   I am willing to pay my dues.

14.   I do not expect something for nothing.

15.   I am willing to follow this formula in order to get rich.

16.   I do not get down on myself if I find I am weak in some areas.

17.   I am growing and learning how to be rich.

18.   I have a good reason to be proud of my past accomplishments.

19.    Other peoples’ treatment of me, if negative, will not shake me.

20.    As a winner, if I will think rich, I will get rich.

Read these Affirmations daily until you can memorize them. Success begins with a thought. Thought leads to action. Action promotes belief. Belief produces success. Success makes you rich.

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Oct 17

Numis Rich GOLD Industry Now in Canada

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Oct 12

Short Sale Vs Foreclosure

[mage lang=”en|es|en” source=”flickr”]short sale vs foreclosure[/mage]
How do the following affect your credit?

Vs foreclosure notice of default against missing two mortgage payments, compared to the sale shortly after the notice of default. Does a short sale in which a person with a loan from the lender to take less convincing what should be a greater effect on the credit of curing negetaive loan? How?

If you have the ability to "cure" the loan is the best route to go. Even if the healing of the loan and then sell what you do not get in the same position again. You do not want an execution mortgage pass. If you do not have the ability to cure the loan, then you have to try to work a short sale. However, there are limits of a short sale and make sure that if you decide to go this route to be moving quickly.

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Oct 11

Credit Card Debt

credit card debt

Every day we hear news of the economic stimulus package debate. We sit back and wonder how this will help us directly. Each one of us has a unique perspective on the stimulus, and all have different needs where, when, and how the stimulus may or may not help you personally.

Many Americans are wondering about a stimulus program to help the average citizen. People today need help with rent and mortgages. Still keeping food in the table has become a challenge with grocery prices soared in the last year.

Previous stimulus packages have sent checks rebate directly to taxpayers. Most of this money paid directly to the people simply sent to creditors to pay the debt. So attempts stimulate the economy before just sending the money in the pockets of banks and credit card companies. The current stimulus plan contains no willingness to send money directly to people, and the stock of debt for most people is growing.

For a person with overwhelming debt, any stimulus received is used to pay that debt. Without government assistance, many people are finding they can create their own personal stimulus package by removing total 100% of their credit card debts and personal loans. Instead of waiting for help, they are taking responsibility for their own financial future. Of course, personal responsibility is what this country was founded on.

Without debt and without payment by credit card monthly, hundreds of dollars a month is saved in capital interest and other charges. For some, this may be thousands of dollars a year in savings. It could also be the difference between comfort and financial bankruptcy.

A program of debt elimination is not applicable to secured debts such as mortgages and car loans. Student loans and medical expenses do not apply. But without credit card payments, the extra money available to help pay other obligations in life.

The elimination program Debt is not for everyone. It is imperative that at some time be set aside to understand how and why the debt can be cleaned. An elimination program is not bankrupt, consolidation, or refinancing your home. Have a basic understanding of the premise of the program will also eliminate any fear that someone is in continuing with this method of debt relief.

A person need not be a lawyer to understand this process. You only need to be open to some unknown information. This is time well spent considering the thousands of dollars of debt that can be eliminated. There is also no cost to obtain this knowledge, this is not information secret, just hard to find. You will not be spoon-fed that knowledge of our main sources of information, such as television, newspapers, coworkers, and our parents.

To take control of your debt, start their own personal economic stimulus plan. And you do not need an act Congress to do so. A little knowledge can set you free.

Billed as The True Debt Advisor ([]), Jim Vrana’s mission is to educate and empower people to overcome their financial challenges. The time-tested legal procedures used to eliminate credit card debt have been used by thousands of people with tremendous success. It is truly the alternative to bankruptcy, credit counseling, and debt consolidation. The program is applicable to all major credit cards and unsecured signature loans.


Jim Vrana

True Debt Advisor

(800) 637-1785


solving credit card debt

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