How much debt do you have?

I am employed as an account manager at a credit repair company.  We offer a unique service.  We assist individuals who are serious potential home buyers fix their credit.  Some of my duties are to evaluate credit reports and develop a plan of action in how I can better serve my clients.  The goal is to help them improve their credit so they qualify for a  home. Now, I want to express my concern as to how much debt my clients have.  Excessive amounts of charge-offs on credit cards.  They tell me that most of the credit card debt they obtained once they enrolled in college.  They were sent some many credit card offers that it was hard for them just to turn the offers down. For some reason, they were not taught to just say no to those offers.  Five to seven years later they are still paying the consequences for their actions.  Be careful when adquiring so many credit cards.  Never use your credit cards as a source of income, but as a leverage to build your credit.

Overcoming Fear

That word fear.  So hard to describe. So many fears we face on a daily basis. Fear of the unknown, fear of failure, fear of rejection, fear of this fear of that.  So many people are paralized by so many fears, yet so many find ways to overcome their fears.  What makes a person fearful? Their way of thinking. Most fears are unreal. They are only in the person's mind. Some based on past experiences, some learned. Whichever fears you are facing just acknowledge them and tell yourself that you can overcome your fears.

Boundaries in relationships

A successful relationship is made up of two individuals who know who they are as a person. I have learned  not to loose my uniqueness as a human being in my relationships.  You see, my problem in the past is that I was a "people-pleaser." Being someone who constantly likes to please others  left me resentful and angry in the past. It was not until I learned that I needed to understand myself and my needs in order to be able to communicate them to others. I needed to know myself. I had the need to know what I liked, what I needed, and what I wanted. A healthy relationship requires a clear definition of your own individuality.  I learned to never loose my individuality in a relationship.  I learned to draw boundaries.

5 Tips to Be Successful

Successful people are very disciplined.  Here are five tips for those who desire to be successful: one, do not take life so serious, work hard do what you are supposed to do, but have fun doing it. two, get up early in the morning and do not go to bed so late at night. Your rest is very important for your health. Many people live life chasing careers and lots of money and then when they get old and sick they have to spend that money on doctors to get better. How ironic! Three, plan for the future but live life as if it was your last day, showing appreciation to your loved ones and doing things for others than yourself. Four, prioritize your task and do not procrastinate. And finally, five, find someone you can teach what you know.  The grave is the richest place in the whole wide world.

Being grateful

Are you grateful? What are you grateful for?  Being grateful is not just saying grace at dinner time.  It is an attitude of the heart.  It is a mindset that will allow you to face the challenges of life with a positive attitude.  Being grateful will allow you to see a half full glass instead of a half empty glass.  Here is a tip in how you can become a grateful person.  Take some time today and write down ten things you are grateful for. Place them in a place where you are able to see them everyday. Remember those things throughout the day and give your Higher Power thanks for providing those  ten things to you. After a while notice a change of attitude in your life.  You will become a grateful person!

Resting after hard work

Rest  after hard work must be a priority. Working a full time job, studying part-time, and taking care of a teenage son can be quite challenging and draining. I have learned to find ways where I can rest and re-charge my batteries.  Many women play so many different roles- the mother, the employee, the wife and many others. They fail to take care of themselves.  I tend to be one of those.  Through bad experiences, such as mental burn outs, I have learned that I cannot do all of those things, if I do not get proper rest.  Now, I find ways to rest, whether by reading a book, going for a walk around my neighborhood or even watching my favorite program, CSI: Miami, just doing things I enjoy the must.  Remember, whether you are a man or a woman, proper rest is needed after hard work. You deserve it!

Writer's Block: What to do?

One of the things you can do when you are experiencing writer's block is to  go to sleep. When you sleep your brain blocks all of the outside activities and allows you to relax and rest your mind.  A rested mind will become a creative mind. Make sure you keep your writing tools close to you because once you rest and wake up you will be able to withdraw your new and fresh ideas from your mind. This has work for me many times in the past, so let me know if it works for you.

Quitting is not an option

Determination is required to be successful in life.  I am in my late thirties and trying to complete a college degree.  I work full time and take care of a teenage son.  Sometimes I ask myself the question as to why am I attending  school at this age (over 35 years old).  The truth is that I truly enjoying studying.  But today, I am wondering if I made a good decision by enrolling on an online English class.  There are a lot of requirements for this class, and with all of my commitments, I wonder if I made the right choice.  I wonder if I am able to comply with those requirements.  Then I realized that is not necessarily the requirements for the class that are keeping me from wanting to complete this class, but the fear of not being able to write.  The fear of writing non-sense.  I guess I am not the only who feels like that.  Some of my classmates feel the same way.  After learning that I am not the only who experiences that fear, I made the decision not to quit.  I made the decision to give this class 100% and be determined to be successful in life.  Therefore, quitting is not an option.