Finding Financial Freedom

Take Your Financial Wellbeing Seriously

2013-02-01T13:01:00.000-05:00

So many people have financially trapped themselves and feel they are in their trap forever. By taking the time and reconcile your bank statements making sure all the information on those statements is correct. Computers make errors and if the bank you are dealing with makes an error in your favor you can be rest assured they are going to come back to you to resolve the error. Well, you are entitled to do the same. With your statement as the evidence right in your hand approach a bank official with it and have them correct the mistake immediately. If you get a fee call a bank official and try to get the fee removed. Question why you got the fee, especially if you do not regularly have overdraft or similar activities occurring in your account or accounts. Make them investigate and be firm but not belligerent. Sometimes it is how the bank processes your account to their advantage adding excess fees. If the processing was to their advantage and you have a good account record ask for your money back. If they refuse tell them you will never refer their bank to anyone and say to them you considering doing your banking else ware. Follow though if they are still uncooperative on one or more occasions. By finding a new institution to work with you protecting yourself from and your account from becoming targeted by the bank for future excess fees. Be ever aware of these tips because they only the tip of the iceberg of how banks are getting over on you the consumer. By not keeping accurate records you could be wasting valuable money in which you could save and pay off debt instead of going further into debt. You can actually start saving money toward a positive cash flow along with so much more working for you toward the positive.

You as a consumer have to fight back. The banking industry has changed by leaps and bounds in the last ten to fifteen years. So many laws have been past in favor of the banking industry it has become profitable for these large commercial banks to crush the smaller banks and the lower income consumer. With all the high fees and unruly tactics banks’ profits go into the billions every year and no one can do anything about it except be diligent and take action to protect yourself. Again I am just tipping the Iceberg and if you working hard and not getting ahead you are falling victim to these legal crimes against the consumer.

If you deal in cash get receipts or better yet get a prepaid bankcard where you can start getting statements and tracking your money. Keep an accurate record of where all your money is going giving you a better chance of improving your financial position and decisions. By researching and getting the right Prepaid Bankcard you will actually be saving money by not paying check cashing fees again at a competing bank or a check cashing agency along with your travel expenses to go to those institutions. You will be saving precious time because many of those bills you traveled around to pay in the past you now can safely pay online by going website site to website of the vendor or the utility instead of door to door with cash. The top advantage is if it is available to you, you can have your paycheck deposited right into your prepaid account again saving you time and money. Take your time and match the prepaid bankcard to your personal financial plan. Some banks offer great prepaid packages where others are fee happy. It pays in dividends to find the right prepaid card so do your research and do not settle for the ad you had seen or the application that came in the mail.

Switching to a Credit Union over a bank for your needs maybe the best decision you ever make. My wife and I have and it has changed our lives for the better. As in our 2011 blog post, “Are You Working for Your Financial Institution or is Your Financial Institution Working for You?” we explain many advantages of Credit Unions over banking with commercial banks. Again with the convenience of direct deposit you can overcome many of the fees, the unjust treatment as well as constant disadvantages which comes with a institutions geared to it’s stock holders instead of it’s customers. Yes, the commercial banks have more convenient branches but that is all they have to offer besides fees after fees and loan denial after loan denial unless your credit score is excellent which most of us are fair to good. Find a Credit Union near you. Ask them about their membership policy you may be surprised how easy it is to join let alone deal with people with your interests in mind. Membership has its privileges.

Credit Cards have some good features and bad features. If you have a savings credit cards can help you keep your savings intact while you overcome a temporary financial problem. The best way if you can spread your unsecured debt over a few cards and pay with a payment plan you develop monthly. This plan should be goal based with a definite pay off date. Here is where we can go wrong with credit cards by not being frugal. If a card’s interest rate is real high, pay your debt off with that card as soon as possible. You are almost better off using your savings to pay the debt and rebuild your savings but this is a personal decision weighing your options. Make sure your unsecured debt or credit cards do not exceed your savings. The truth to be told is if your unsecured debt is more than your savings and assets you are not saving anymore you are just plain in debt.

Do not carry balances on high interest cards use them for emergencies only. High interest credit cards are still far better than taking Pay Day or Car Title Loans so use them cautiously. Find a credit card with a lower interest if you can and cancel the high interest card if you can and be very diligent about the balances on your new card leaving you plenty of room for emergencies. If you are stuck with a high interest card and it is maxed out call the credit card company and get fixed payment terms with a lower interest rate by canceling the card and pay monthly until you can get a lower interest loan to pay it off. And lastly if you are maxed out on all your unsecured debt find another source and pay off your credit cards then cancel and destroy them. They are no good to you until you lower all your unsecured debt.. If you cannot find a loan through other sources try a credit union. It costs nothing to ask. As one of your last resorts, look into go to a credit counseling agency. You can learn more by going to our 2011 blog post "The First Step to Financial Freedom is the Hardest".

By not caring about your finances affects every aspect of your life believe it or not. Setting up a comprehensive banking plan with a budget is easy to research and do yourself. Dealing with the right institutions for your finances will help you feel better about yourself and everything you do. Take the time to end the hopelessness of poor record keeping and take the time to make sure the institutions you deal with have you the customer in mind. Keep in mind commercial banks serve themselves and not the customer however, some smaller banks can be better and more customer friendly than the larger banks. Take the idea that you are fighting those in control you and your money because they are controlling you and your money believe it or not. Always keep in you mind the commercial financial world are groups of faceless corporations with their rich executives getting bonuses by tacking fee after fee on you the consumer, and their stockholders getting their dip into the profit pot, are always looking after their interests maybe it is time you did to.

These are your rights as a consumer. Take the time to learn more of how the financial industry works. Do not let them take your money by doing your research. With this blog post we are telling you to look for the good guys and get rid of the bad guys. Send them the message wire are not going to take it anymore. By being educated and professional about all you financial needs you can turn any bad financial situation into a good one and you do not have to go bankrupt to do it.

Go to "Are You Working for Your Financial Institution or is Your Financial Institution Working for You?" by Clicking Here!

Go to "The First Step to Financial Freedom is the Hardest" by Clicking Here!

Look Into the Netspend Prepaid Bankcard if you choose to join Netpend will give you $20.00 for joining. Then start refering friends and get $20.00 for each referal deposited to your Netspend account!!!

Open Netspend in a new window by Clicking Here!

Get Your Copy of Money Saving Emergencies by Dave Ramson

Thinking and living Financial Freedom

2013-01-18T16:59:00.000-05:00

Do you want me to let you in on a secret?

By following us in this blog your life very well could possibly change for the better during this coming year.

Then you say, “If it is written in this blog for everyone to see how it could be a secret?”

The secret will remain amongst the followers of this blog but if it works for you, you can tell someone the secret. How does that sound?

As we had said in our New Year’s blog post we were reorganizing with new ideas with a new company called A Better Life Enterprises L.L.C. or as we are going to call it ABLE L.L.C. for short. When my wife and I were thinking and planning the name for our company my wife came up with For A Better Life Enterprises. I sat on the name and abbreviated it and I was not in love with FABLE L.L.C. as you may be able to understand. I really did not want to run a business that was a fairy tale waiting to happen. The F was dropped making FABLE, ABLE a business and not just a story which seems to be what you get from many people today who work, coach and sell online.

During the next year as ABLE L.L.C. we are going to put together some terrific ideas to solve some financial woes as well as send you to research some sound ideas that will have you going from maintaining you current standard in living to succeeding in what you would like to achieve in life. Unlike our old format in Finding Financial Freedom where we gave you some good ideas which were given to help you fight back from the repression of being in debt. Now we are going to point back to those ideas and help you gain ground and succeed by directing you to where you can seek the knowledge to succeed and not just maintain a lifestyle good or bad.

To accelerate aid to many looking for solutions to everyday problems we going to add direct links to help you find government agencies and actual good financial resources and businesses to help you find the aid you need faster. And, with the sources we give you options so you can choose the proper direction you would like to go. The best part of all this is many of these services will be free unless you choose the pay for option. We will also discuss some of the issues and challenges so you can understand them and why you feel the way you do about finances and the institutions that handle your finances.

We realize these actions your are going to take in your life are not going to overnight success stories like most people tell you it can. Besides, it has never worked for me in that way and we are not here, saying it again, going to tell you Fairy Tales. It takes time to change habits and ways of thinking. It takes other sources like video, articles, books, and yes, success coaches like Tony Robins. We will talk about the difference between Life Coaches like Tony Robins, the other MLM and Network Marketing Success Coaches as well as the difference between being a successful online marketer or a sales person just spinning their wheels in life and online. We will also be working with successful online marketers who actually give free seminars to teach you how to work with them and what they have to offer you in your own business. Best of all you never have to leave home to attend these home business outlooks. We will actually give you rebroadcasts links so you can listen in if you cannot attend at the time of the event. We like to start by peaking your interests and showing you a video about the difference between being the average Joe or Josephine and being successful and a leader in anything you do.

It is only fair to say that their are many ways to make money on and off line. We also intend to give you ideas for services you can offer people offline as well as finding and selling treasures to stuff on e-Bay as well as online classifieds. These will be along with tales of what my wife Pam and I have done to help keep the cash flow positive along with other great tips we have heard from other people who we know.

So lets get ready to PROSPER!!!

With this video we would like to get you to start thinking in a different direction even if it is just by changing some ways of thinking here and there by giving you some influence that will get you from just maintaining your life and finances to having success in your life with a bright financial future.

Grab this great read that will help you understand where many of us go wrong in our approach to our finances. Read this book and ask yourself the question are you a PAW or a UAW?

Please come back an visit by saving us as FindingFinancialFreedomBlog.com

or sign up for one of our follower options on the sidebar.

With this New Year Comes Great News to Our Readers

2013-01-05T22:14:00.000-05:00

With this New Year comes great news to our readers. Some may think we have put our blogs under new management which is far from the truth.

During the last three months we have been doing a lot of research to provide a more interesting and informative blog while we work with shorter posts with great referrals to great resources and products to make your life easier and better.

Finally my wife Pam and I have joined as partner to join our blogs and other resources as well as Ideas together under the name of A Better Life Enterprises LLC or ABLE LLC to add more professionalism and service to all we provide. We will soon provide more information about us in an About Us page coming soon.

Just a Tip to Help You Excel in Your Financial New Year!

You yourself can effectively clean up your credit report through some of today’s credit report or identity protection services. By doing this you can raise your credit score dramatically helping you or your family considerably. For those of you who want outside help and are meeting your financial responsibilities monthly and want errors taken of your credit report here is a listing service for credit repair companies as your guideline for quality services.

To Go To Best Credit Repair Companies Click Here!

Learn More About Credit Reporting and Correct Errors Yourself

Have a Happy New Year in Health with Prosperous Financial Growth!!!

Thinking of a Car Title Loan? Think Again!

2012-10-04T16:46:00.001-04:00

Once again I have a cause to start writing Blog posts for Finding Financial Freedom. Once again I see atrocities happing to the middle class and mainly the blue collar worker. Years ago it was easy to say blue collar as the blue collar is the workforce and the backbone of our country. Years ago President Abraham Lincoln emancipated the slaves but sometimes I wonder. The reality is that we the middle class are enslaving ourselves every day and we are not aware of what we are doing to ourselves. Between the Large Corporations, Financial Institutions, and Marketing Today the Middle Class has less disposable income than ever before. If you wonder why ask those who you elect into office. However instead of complaining about it because it is going to take years to make a change, we at Finding Financial Freedom would like to add solutions to a dedicated group of readers.

You say why only a dedicated group of readers?

Because when the dedicated groups of readers have success with knowledge others will learn and follow. We can’t save everyone but we can save those who want to learn to become debt free and successful financially and within themselves.

So Let’s Get Started

A member or our family sought and received a title loan. This person has struggled for years and came into a sum of money from an estate which our family member had used to buy a family car. To compound the problem he is going through a separation and other compounding problems along with financial problems. Many of us fall into this category and are no stranger to the complications of a failing relationship. The threat from constant financial struggling is enough of a strain on today’s relationships whether the couples are married or not. By taking the time to understand and challenging the problems of today’s economy is essential to happiness and long lasting relationships. We at Finding Financial Freedom understand what others are going through and we are here to help you.

Back to the topic

Anyway this family member got this title loan and put up the family car for a one thousand dollar loan. His family car was worth considerably more than the one thousand dollars and the three hundred percent interest our family member needed to pay on the note which was four thousand dollars total to solve the note unconditionally. It is also important to know there is not a prepaid in full discount or prepayment break on the interest. Once you sign the note you pay in full to solve the note. Finally in most cases a bankruptcy exemption is written into the note and the laws most other financial intuitions must follow car title loan companies and payday loan companies are exempt from because of this exemption.

The terms of the note our family member had was ten monthly payments of four hundred dollars to solve the note. Needless to say our family member did not make it two months and he defaulted on the note. So the title loan company came and repossessed the family car. Now for our family member to get his car back our family member now owes the car title company four thousand one hundred dollars or the car goes to auction or for sale. This is because the car title company charged our family member’s account five hundred dollars for the reposition. The car my family member owned worth four times as much as the loan with interest is now up for auction or sale. This means for the miniscule one thousand dollars my family member borrowed these predatory lenders will make a sixteen hundred percent profit on his family car. It is not only the greed that is the atrocity, my family member now does not have a car for the family and our family member is now out of work without the car. This is a tough position for the bread winning member of the family to be in.

Are you appalled?

Notice I said predatory lender. Just because this type of lending is legal in most cases, does not mean they are not predatory lenders. To most of us this is more an ethical or moral issue than a legal issue. Predatory Lending is simply is taking advantage of those who are at a disadvantage. Also with predatory lending there is no credit check or income verification which means in most cases the person who took the loan will default leaving them at the disadvantage. And again yes, this form of lending is legal.

Final Words

It is going to take years to change legislation in Washington to help individuals or consumers who fall into the predatory lending trap. As citizens and consumers we have the right to demand changes in legislation to protect us the consumer from predatory lending. The best way to stop this and other predatory lending practices is to work with our readers to educate them, to get them to register and vote, and take interest in the rights ourselves as consumers and citizens of the United States. This is doable and all hope is not lost it will take many of us to make a change and the change starts here. These lenders have lobbyist on their side. We can be advocates for our side. Please join Finding Financial Freedom so we can help those who need help.

Us the hard working Blue Collar Working Class and Middle class.

Please sign up for our e-mailing list so we can keep you updated with hints as well downloaded forms you can send to your senators and congressman when they become available to us on a specific subject concerning our financial well being.

We can make the change and stop the greed and atrocity in its tracks by making personal financial changes and causing real change!

Knowledge is wealth! Do you want more information on Title and Payday Loan or know someone in need? This is an excellent resource for guidance and help!

Amazon

More Information on Payday and Title Loans

This is from the September 15, 2011 post when I went on my last rant after researching Payday Loans. I moved it here because it mixed better with Car Title Loans than with fining the right financial institutions.

This Week’s Rant

I cannot hold off on this one. Title and Payday loans if you are involved in them as soon as you can get out of them. Credit Cards or anything that is thirty percent interest or more try to find a way out. Just figure, you have a loan for one thousand dollars @thirty percent interest you are paying three hundred dollars interest on that principal if you do not pay that money back in that year. Even the institution seems to be an up and up financial institution morally and ethically any more than twenty five percent interest to me is predatory lending. The only thing worse than predatory lending is loansharking. If you have some collateral and a job you may be able to find someone you know to help you for fifteen percent or less annually depending if you know who investor is. Or, maybe someone you know knows someone that will invest in you. There are people out there that will help out hard working people like you and I am not talking about loansharking or pawning either. This process is called t is called taking back a Note or private lending. People who take back notes know how to draw up a legal binding contract on holding something of value as collateral. These people have money to lend because they are willing to take some risk to make a little more than what they would make if their money was only drawing interest in the bank. What you may give up as collateral a bank or financial institution may not have interest in holding as collateral but still has a real value that if it can be appraised and can be sold for recovery of funds in the result of your possible default for nonpayment. It can be of interest to someone willing to take back a note or give you a loan on that collateral. You have to remember financial intuitions are not in the business of retailing they are in the money lending business, so some things of value on the market are of no interest to financial intuitions but may be of value to other investors. You can look through the phone book but these investors are usually private individuals and are usually found by the reference of other people.

One thing you have to consider with these loans you is you will only get fifty to seventy five percent of the value of your collateral even if it is something that will gain value as time goes on. Collateral as your guarantee to pay and if you do not pay the lender and default the holder has the right to sell the collateral and be compensated for his or her efforts in trying to help you. One last thing while most investors are legitimate in their dealings consult a legal expert before getting into any contract. Read to or have someone read the contract who knows contracts. They will make you aware of any concerns you may have to question before proceeding. We do offer Just Ask on the sidebar who may be able to help you.

Contact me with any questions @ blaine@findingfinacialfreedomblog.com or by phone @ (484) 868-2588.

You can also come back to us by remembering www.FindingFinancialFreedomBlog.com!

The First Step to Financial Freedom is the Hardest

2011-10-31T10:11:00.002-04:00

I always say falling into debt is not always your fault. Sure some of make mistakes in managing our finances and we are all not financial experts, bankers, or accountants. Things happen in our lives that can be unexpected but what is expected is your financial obligation once you take one or them on is resolved in one way or another you are responsible for them. With computers and modern tracking techniques you may not always pay them but they will be tracking your every move until the debt is resolved. There is no getting around it.

You will see me repost something at least quarterly about Credit Counseling. I think it is important before you spend any money to contact a reputable credit counseling agency. Yes we have other ways of solving debt on the sidebar but what you need to know you cannot solve your debt problems blindly. By consulting an expert you are educating yourself on the other options out there. If your mind is made up go with one of those products but what I am saying is first contact a Credit Counseling Agency before making the big decision. Credit Counseling will help you set up a budget, advise you on where to go to get help If you need it bankruptcy not likely but maybe debt settlement, or get you into a credit counseling program where you can save up to fifty percent on your unsecured debt and credit card interest charges with a small monthly fee for processing. This is usually a large one lump monthly payment. The best part is the counseling is for free. Free Financial advice it’s free. I can’t say anything else but to stop the nagging debt problem or to tell you where you can go for help and it’s free. It does not get any better than free. Keep on having your creditors sucking your money and your life having your life sucked out of you or getting help that is free. I knew my choice thirteen years ago and it was free then and the counseling end of the service is still free. No gimmicks no nothing, Free!

After your counseling as a consumer you can use any products and services you want. This is your right as a consumer. And there are other quality services out there we are going to suggest from time to time, but it’s refreshing to know there is help out there when you are strapped and need it. So here are the two services I recommend and they are both well accredited credit counseling services you can start with over the phone or online. The one I joined is Consumer Credit Counseling. There is a national website and then for those of you who live in central to South New Jersey, Northern Delaware, and Southeastern Pennsylvania there is the Consumer Credit Counseling Service of Delaware Valley, the service I joined thirteen years ago. And there is another service called Credit Guard Services of America. I have reviewed their website after reading about them in a national magazine. So when you get done laughing I found this article in the Women’s World October 10, 2011 Issue, one of my wife’s favorite magazines. I will give you the Web-addresses to CCCS of Delaware Valley as well as the national site for Consumer Credit Counseling. And, finally I will give you the web address to Credit Guard Credit Counseling, So don’t put up with the agony of debt any longer because credit counseling is the best place to start, hands down!

Working Toward a Simpler Blog

As we said with the last post we are working to a simpler blog format. This transformation is going to take a little time to move certain formats that make blog posts to long are going to be moved to permanent pages for reference for our readers. These pages will constantly evolve like good blogs and websites do. This will make for a more interesting easier to write and read blog without a lot of duplicate information week after week. So to all our regular readers we will be getting back into routine soon.

The new page that has been added this post or entry is Building an Internet Presence. Blogging is one of the quickest ways to get on the internet and build your own presence. This is why we started with blogging as our first page. For those of you that would like to get started with your part-time home business or resurrect an old one can get started with these methods. Again these methods take time to work for you but this is good targeted marketing to help you get leads at little or no cost to you. Remember when these processes start working for you they will deliver steady results as with your constant effort in advertising.

Learn More About Building an Internet Presence by Clicking Here!

Go To Consumer Credit Counseling of Delaware Valley by Clicking Here!

Go to Consumer Credit Counseling National Website by Clicking Here!

Go to Credit Guard Services of America by Clicking Here!

Introducing You to Some New Ideas for an Easier to Understand Blog

2011-10-02T14:41:00.002-04:00

This week we are going to divert from our normal format to introduce you to the stand alone pages in this blog. The standalone pages we will be introducing you to over the next two months or so are going to be reference points you can return to. These pages will help you financially as well as helping you with productivity in your life and with any route you want to take in your career or self-employment.

In reading these pages please remember that these are suggestions. We here at Finding Financial Freedom are here to refer you to the best services out there we can associate ourselves with. Any opportunities are here for you to research and we will help you, coach you in any way we can but as for specific financial advice if you need it, please refer to some of the services we refer you to or find professional services through other resources you find on your own. This is your Financial Recovery and Wellbeing Toolbox so please take advantage of it, In our June 12, 2011 blog post Getting Set with a Budget we give you some of our suggestions to professional help some come for free though Consumer Credit it Counseling with more services on the sidebar we became associated with since the June 21, 2011.

In the opportunity pages (coming in the near future) we will list all the opportunities we have had you preview to date as well as tell you where you can go for free to low cost training to get your businesses up and running. We also added two Opportunities that have excellent training on the side bar that you can start today and make money quickly if you just follow the instructions. Again, at no cost to you to start your business or part-time job. As far as the of startup businesses that we exposed you to in the past, most of them are no cost to low cost startups to help you learn and get Direct and Affiliate marketing skills without worrying about the high startup costs that scare most people away from learning how to market. We will be offering low cost and free ways for you to train as you start your marketing business or part-time job which are also opportunities for you to make money just by referring the training that is working for you to your team members and others.

Marketing is the way of the future in this new turn around and troubled economy. The families and individuals that will do the best financially in the future will operate a small business of some sort or another even if they work their business part-time. Remember unless you are a seasoned marketer; Don’t Give up Your Day Job!!! Even if you do not do marketing as your business you still have to market any venture you pursue so any marketing you learn through us will be beneficial to you. Stay secure but if you want to work part-time for extra income build a small business for yourself so you have something call your own, something to fall back on if you need to and where no one can fire you or lay you off. Wal-Mart has enough Greeters, Stock People and Cashiers so leave that job for someone who needs a job to get back on their feet. Who knows, you could be teaching them how to market on your team one day!

In getting started I believe we covered enough for now on e-mail marketing. Those entries will be compiled into a page for a one page reference in the future so you will not have to go back to all those blog posts to reference them.

What we will start you off on is building an online presence for free by understanding blogs and blogging. This way you can begin to impress the people on your e-mail list to date and let them know you are a serious marketer or business person with your own blog and online presence. Just relax, define your niche, have fun, be yourself, keep in mind blogging like anything else takes some to learn, put your best stuff out there and build your online presence by being a blogger starting today!

For Understanding this and Other Interactive Blogs go to the Pages Widget on the sidebar or ClickHere!

To go to the June 21, 2011 blog post getting Set with a Budget Click Here!

October 4, 2012 Update to this Blog Post

Since we posted this on October 2, 2011 we moved the Opportunity programs to Creative Marketing Helper. This is a way to simplify this blog and keep its dedication to help those in financial distress. Even in good times directing and helping people learn and practice good financial habits is imperative to the health and welfare of the individual as well as a strong family life while establishing personal respect.

We strongly encourage you as the Finding Financial Freedom Blog reader to look over Creative Marketing Helper. As the content grows in both blogs we hope you will grow along with us by becoming self-employed part time and find there is a more secure future in building a Home Based Business more so in these hard times.

To Go To Creative Marketing Helper Click Here!

If you have any questions you can contact me by e-mail @ blaine@findingfinancialfreedomblog.com or by phone @ (484) 868-2588.
You can also come back to us by remembering www.FindingFinancialFreedomBlog.com!

Are You Working for Your Financial Institution or is Your Financial Institution Working for You?

2011-09-15T13:09:00.010-04:00

Why using credit unions is better than banks

Last fall I made change that I wish I had made years ago. Back in June I had started hinting to you as our readers about Credit Unions. Credit Unions are one of the most misunderstood financial institutions that have in recent years come out of secrecy. Everyone was under the belief that you had to be an employee of a large corporation, federal employees, a union member of a specific union, some other special interest group or fraternity. This is not true anymore. Some of today’s requirements are as easy as living in a county, community, being a member of a religious institution, or a community member of commerce to qualify you as a member of a credit union. When looking into credit unions they will tell you what you need to qualify as a member usually by calling them and asking or the requirements are listed on their website.

Making The Difference In Your Financial Interests

I really can put the blame the banking industry for a large portion of my financial struggles. I did not realize that banking could be done as it was in the past where the banks actually looked after the customer until I found out how Credit Unions were taking care of their customers. I am not going to name specific banks but since the banking crash a system dedicated and dominated by to the wealthy has gotten far tighter with credit qualifications and fees for general banking stifling any financial growth from the middle class. They must believe since they are not making interest dollars because of their own poor lending habits they can make it up in general banking fees and credit card interest and fees. I had credit cards with one institution that went from less than nineteen percent annually to twenty-six to twenty-nine percent annually and I while I was carrying a substantial amount of debt on those cards. Yes, it is me the good payer that should bear the brunt of their incompetent banking decisions. Somehow out of the blue I had to come up with another two hundred dollars a month to pay them. I did nothing to provoke it and I had at the time a mid-seven-hundreds credit score. This bank had the audacity to use our federal tax dollars to bail them out of their poor lending practices and wanted to make up for its profit losses on me and others like me.

For us the dwindling middle class it is time to say no to these Intuitions and the way they treat the people that have regular incomes. Actually I am not sure the large banks really want our business any way but as long as we let them get away with it they will. On the sidebar we offer lending solutions to people paying unfair rates on things from car loans to mortgages and help in solving other debt problems. I also do want all our readers to know we will never advertise Payday of Title Loans which in my opinion are predatory loans and offer no permanent solution to someone or a family struggling financially. Title Loans and Payday Loans are financial suicide to the financially strapped and venerable who use them and I promise sometime soon I will have a blog post berating and condemning such practices. These institutions could make me canonize commercial banking into Sainthood and you already know how I feel about some large commercial banks. Enough of that for now I feel a rant coming on!

Last fall I joined Trumark Federal Credit Union. Since the time I have joined Trumark I have replaced most of my high interest debt with lower interest debt without the struggle or the hard Inquiries to my credit report. Hard Inquires go on your credit report and can lower your credit score which as a regular practice by large banks especially in the last three years. Other financial institutions do not always use hard inquiries if you have a good credit score. You will understand more about hard inquiries if you have credit monitoring because when there is a hard inquiry your credit monitoring service will send you notice. Anyway, because of my financial reorganization that Trumark FCU helped me with now every time I make a payment, my payments are now making true headway toward the principal (the money owed) instead of making faceless heartless institutions and their stockholders wealthier. This can be the most important article or post you will read this year. This is really worth doing the research on and making the move to a better financial future. Even if your credit is not good enough at this point to get a loan the way a credit union treats you with personal service and low banking fees with fairer banking practices can start making the difference for you immediately. A Credit Union will help you in your effort to financial recovery easier and when one day you start qualifying for loan or better rates again. Just remember you will be already established with a Credit Union who is willing to help you with advice and education. The best part is, I like working with people with warm blood running through their veins instead or finding some angle to profit from you. You can start with a credit union with a small minimum deposit into a general share fund which is like a personal savings account. This is a small fee of around five dollars usually onetime fee held in escrow in your General Share account. A small price to pay for a big change in your financial well-being.

To find a credit union in your area where you will find institutions and requirements to join Click Here!

Job Seekers Check Out This Website

While I was going through the Statistics for this blog I noticed that some individuals have clicked on Finding Financial Freedom. I appreciate that a job seekers website would advertise this blog so I want to reciprocate by helping our readers with the Jobs for Smart People website. In investigating this website there are several other websites for job seekers within this website and there are some skilled labor jobs within those websites.

Go To Jobs For Smart People by Clicking Here!

Important: Read this Artical on Social Security posted on Yahoo Finacne!

Here is information that everyone should know about the current statues of Social security. Get Information on what you should know about the retirement age with information of special interest for those who are waiting for or have applied for disability benefits.

Know Your Financial Standing

2011-08-30T13:12:00.013-04:00

If you do not know your financial standing you are living in the dark. One of the first things on your mind should be knowing what your credit rating is and how you can improve it or protect it. This all starts with credit monitoring. How can you miss all the commercials on television about credit reporting and how you can get a free credit report? I know what most people say, yes you get a free credit report then you have to pay a charge every month for credit monitoring. Credit monitoring is around fifteen dollars a month and it is a small price to pay to detect any problems or potential problems with you credit rating. Over the past seven years I do not only have one, I have two credit monitoring programs going and I have avoided on several occasions potential harm to my credit report by inaccurate entries or mistakes to my credit report. Computers and individuals make mistakes and it is your job to protect yourself. No one will automatically do it for you.

My wife shares her name with many other Scott's. If you have a common name like Lisa Brown or William Jones you have a real good chance you may have cross entries on your credit report caused by human error. And, sometimes these are not easy to get one of these disputes to get off your credit report if you do not respond swiftly. I have even heard a case where a parent’s teenage daughter rented a movie from Block Buster on the parent’s membership card and did not return the movie and a year or so later the parent went to apply for a loan, and was turned down for the loan because that movie was neither returned nor paid for. I am sure there are more horror storied like this one out there. The longer little stupid errors like these stay on your credit report the harder they are to get off so address them quickly.

Good credit monitoring services help you understand your credit and what to do if there is a problem with your credit report. Also if you have been under financial duress you are a potential candidate for many mistakes that can affect your financial recovery. While you are in your recovery period you want to make sure constantly, there are no mistakes being made through collection agencies and unsettled claims about you and your accounts. With credit monitoring anything in the future that is derogatory against your credit report will be either mailed or e-mailed to you to give you a chance to respond as swiftly as you feel you need to.

I want to remind everyone we do have video on collection agencies below the blog posts in the Video Section that you may want to pay special attention too.

What You Need To Do If You Discover Problems

There are two ways you can go when fixing problems with your credit report. You can do it yourself or you can go with an Agency that will advise you of potential problems and then help you fix them. Many people once you understand credit reporting and how to recognize problems can go about the task yourself. This can be time consuming but can be rewarding when you get everything in line as it should be. If you have many potential problems you may want to hire a service or an agency. All the services I recommend are on the side bar. If you want to do more research My Shopping Genie I highly suggest to help organize and speed up your searches remember the download is free. This is a personal decision I know the Attorney from Find Law said you can do this yourself. However instead of taking days away from work it may pay to look into these services. One of these services could at least tell you where you need to start or handle potential problems for you.

Some of you that have a good credit history and may want to protect it in a different way. Fraud detection companies, services or websites may make you feel a little more comfortable. If you make many online transactions you may want to go in this direction. But, by monitoring your credit card statements or any statements you can monitor yourself online with regular credit monitoring you should be able to detect and stop any threats quickly. Your financial well being takes constant monitoring from you it is up to you and only you can protect yourself. You have to plan some time each week for strategy and defense. It can be a real battle ground out there and we have the tools to help you do battle when a problem comes up.

If you decide to fix these problems yourself we also have some other ways we can help. On the sidebar there is Just Ask. If you want a second opinion on anything or you just need to know something Just Ask has professionals in medical care, law, and technical help. We also have sources where you can find a lawyer or get any legal documents you may need saving you the expense of hiring a lawyer or the original consultation fees. Where all the other financial experts give you direction, we give you resources to stay on course to financial freedom.

Here is more information from Forbes Magazine on how your Credit Rating effects you.

The New Credit Score Rules

by Justine Rivero

Monday, August 29, 2011

The average credit score nationwide is 666, according to CreditKarma.com. That's not only an ominous number, but can be a costly one.

Based on CreditKarma.com's data, the trend amongst lenders shows that a 660 credit score is the threshold to be approved for a mortgage, auto loan and unsecured credit card. Digging deeper into consumers' credit health, nearly 40% of consumers have a credit score below 660. That means 4 out of 10 Americans would likely be denied for a mortgage and auto loan, charged sky-high interest rates, and only qualify for a secured credit card.

With credit scores controlling consumers' access to credit and the prices they pay for lending products, Americans must take control of their credit health.

In the fine line between approval and denial in lending, consumers deserve to know more so they can do more about their credit health. While recent federal regulations have nudged open the door on consumers' access to credit, it's not enough. Consumers must be empowered to actively manage their credit, not just when they are transacting but also in their daily financial life.

As legislation and economic changes evolve the credit industry, consumers' access to credit scores must be broadened. Here's what you need to know about credit now.

1. It's your consumer right to get a free credit score! Thanks to a recent federal regulation, consumers who are denied on a credit application or receive higher interests due to their credit profile are entitled to see their credit score for free. This only applies to declined consumers, so it begs the question: why aren't all consumers getting their credit score for free? With such significant impact on accessing and pricing of financial products, free credit score access should be a right of all consumers. We may see government efforts to provide free credit score access on the horizon. Once a mysterious and proprietary secret of the credit industry, credit scores are becoming a powerful tool in the hands of consumers.

2. Standards for accessing credit are always in motion. Once upon a time, the general "good" credit score standard was 660. During the recession's credit crunch, the standard jumped to 720. It appears some credit card issuers are again expanding their credit standards and approving lower credit tiers. Some mortgage lenders say a 720 credit score is needed to get the best mortgage rate, while others say 750 is the new standard. Additionally, lenders are increasingly focusing on other credit details aside from your three digit score. For example, a consumer can have a 780 credit score, considered in the excellent range, and be denied on a credit card application because their credit history is simply not long enough. It'll take time and economic stability till lenders comfortably agree on credit score standards; hopefully that keeps you on your toes and improving credit health everyday.

3. It's not enough to check your credit score. One drawback of the federal regulation is its limitations. Giving consumers access to their credit after being denied is too little, too late. Credit scores can fluctuate suddenly, so a single snapshot isn't enough. What's necessary is for consumers to monitor their credit. Whether you have a 550 or an 800, tracking trends in your credit use and credit score helps identify areas to improve, habits to avoid, and most importantly, makes you conscious of how day-to-day financial decisions impacts your credit health. You might need several months' cushion to polish up your score, so begin monitoring your credit as soon as you plan to buy a home or car, or apply for a loan or credit card. If you aren't applying for credit but currently have a credit card, it's still imperative to stay on top of your credit health. Issuers periodically do an account review, and if any new credit blemishes appear, it could affect your card terms. Proactively use credit score monitoring services so you, and not lenders, are the first to know about recent changes on your credit.

4. Expect credit score differences. The federal regulation also shined light on the fact that there are dozens of credit score models in use. While many consumers consider FICO to be the "real" score and everything else to be a "FAKO", the truth is that every lender chooses differently: there are the credit bureau-specific models, the VantageScore, the FICO score, scores specific to lender type like mortgage, auto and credit card issuers, and even models particular to certain banks. If your TransUnion score and VantageScore have a 40 point difference, there isn't a "more accurate" score. It's similar to weighing yourself at home versus the gym or the doctor's office; the scales show different numbers because they're calibrated differently, but ultimately, they all measure your weight. Rather than obsessing over the three-digit score, focus on the risk factors involved such as your debt, number of accounts, and credit use. Just like diet and exercise will reflect in your weight across all scales, taking action to holistically improve your credit health will reflect across the broad spectrum of credit score models.

While the recent federal regulation is a positive move for consumers, lenders have already found loopholes, reports SmartMoney. For example, if the lender uses its own scoring model, they aren't required to disclose that credit score to consumers. Also, insurance companies, which also use a credit score model to evaluate customers and price premiums, are excluded from this regulation and aren't required to disclose credit scores to consumers who are charged a higher premium.

As the Consumer Financial Protection Bureau stretches its reach and more financial reform finds its legs, consumers must keep challenging Uncle Sam to keep the heat on the financial industry when it comes to credit score access. Consumers must also keep putting in the legwork to build healthy credit and keep an eye on their credit score.

We're headed in the right direction when it comes to consumers' access to their credit score. But don't walk away from this topic just yet; we barely have our foot in the door.

Justine Rivero is the Credit Advisor for CreditKarma.com.

To See the original article on Yahoo Click Here!

This Weeks Rant

My intent with any entry in this blog is help you start your research the rest is up to you. I could have given up many times myself but thanks to the knowledge and support of others I am accomplishing my goals in becoming financially free. This can be an angering, frustrating, or frightening process that can make you feel hopeless at times but, I want you to find some comfort here and get yourself on the right path to happiness and financial freedom.

Contact me with any questions @ blaine@findingfinacialfreedomblog.com or by phone @ (484) 868-2588.

You can also come back to us by remembering www.FindingFinancialFreedomBlog.com!

Changing How You Feel About Life, Career, and Finances

2011-08-11T15:28:00.007-04:00

I do not want you to get the impression that I am going to tell you are doing everything wrong and take a big assessment of your life. What I am going to discuss in this post is what you can do about feeling better about yourself so you can start changing the direction of your life. We all hit roadblocks and when we hit a roadblock what are we going to do to readjust? This is the difference between making decisions to start getting ahead and the decisions that keep holding us back. When it comes to services that will help you get on track let’s leave that work to the professionals which gives us a chance to do some creative thinking to do on our own. You have a whole host of professionals who can help you in different ways and categories on the sidebar and if you can’t find anything there My Shopping Genie will be more than glad to help you by enhancing your search engine experience also now on the sidebar. We want to help you change your thinking on the value of you and your family over just the dollar. You and your family increase in value where the dollar declines in value.

In the last couple of entries we refer you to some influential reading. The Millionaire Next Door book is basically is about getting into the mindset of what a truly wealthy person does to secure his future. Sometimes thinking wealthy is instinct and sometimes we have to change our values or ourselves to think wealthy. I, like Robert Kiyosaki had a Rich Dad and two Poor Dads in my life and I admire all the outlooks and have each one has been influential in how I think. The two books the Millionaire Next Door and Rich Dad Poor Dad are conflicting in a way but, they both answer some real questions on how to become secure in a way that is comfortable or comfortably exciting for you and me. All I ask of you is to keep on reading and become comfortable in who you are and in your life. If you had read the Millionaire Next Door and if you are still reading it after two weeks or so, I can understand it took me a while.

Just thinking ahead a little bit and you will have a chance to compare both books I want to give you an example of my family. My Step Father and my father–in-law are PAWs (Positively Achieving Wealth) who diligently saved and when they died they had a little something left for the family after liquidating and distributing all their assets. My step father was a self-employed landscaper that had gotten his GED and went on to take courses at Penn State in Landscape Design and did real well in his field. My step father only enlisted part-time help when he needed help. Yea! It was mainly me who helped him. And, when he nailed the last nail in his house it was paid for in full, Real Estate and all. My father-in-law on the other-hand, worked for Bell of Pennsylvania and Retired from AT&T as a PBX installer. He was one of the last service people who serviced and installed mechanical networks in the phone industry of the 1970s to late 1980s which replaced switchboards before being replaced now by the computer driven systems being used today. He was one of an elite few that knew how to work on those systems and raised great money, with great health benefits and savings while raising a wonderful family of six children.

On the other hand my father was a successful Insurance Executive while starting his company by doing health insurance sales calls himself then drafting a few others to help sell insurance. Then he went on to starting an agency, to buying the company, until finally the time it went public on the Philadelphia Stock Exchange. My wife still works for an agency that was connected to my father’s business. Anyway, my father was a UAW (Under Achieving Wealth) and he still lives his life that way. He carries allot of credit card debt which takes away from his Net Worth. He still has a good income to work with even though he only has a few investments left in his portfolio. At eighty four he has slowed down the pace of his spending a little but he is still a UAW just the same.

This is Robert Kiyosaki’s theory on life. However his wealth is in business investments or portfolio. You can’t take it with you so earn it, invest it and spend it, leaving the business aspect to the family to keep it successful after he passes.

“Live for today because your money will be worth less tomorrow. Your business and good investments will follow the rate of inflation not money!”

Robert Kiyosaki

I picked Robert Kiyosaki over Donald Trump as a success image of this blog because I believe he better represents the image of us as a people instead of the stereotypical wealthy person. I like Donald Trump but in some ways he is too Hollywood to grab the role of the Influential person I would like to refer people to in this blog. Robert Kiyosaki to me represents everyone and the goal here is to inspire everyone to become financially free.

There is no right or wrong answer here! The only answer to the question is which role do you want to play in becoming finically free?

Is there any right way to become financially free? The key here is to find positive influential people and make them a part of you routine and be a follower and a leader by being influential and positive to those around you. You find that this positive feeling starts to rub off on others. Your positive outlook helps others as well as your own self-esteem. If others do not agree with you slowly push them to the back of the line by staying positive to others around you. Start by setting small goals and achieve them first. Get yourself on a positive note then raise the bar on achieving your goals by setting and achieving bigger goals. Live your life in a positive way and those roadblocks will not feel so much like road blocks anymore!

This Week’s Rant

It takes all kinds of people to make up this world. But, I do not have to accept negative people in my world! In fact I don’t! Yes, I still have some people in my life that are negative people but they have little or no influence in my world. The world can be challenging enough without negative people influencing my world. No matter what happens in my world I only accept positive influences in it. The people in my life now are the ones that offer me positive belief in them and myself. I have gone through some tough times but they were only learning experiences as stepping stones to a better future.

“My wish for you is to feel the same way!”

Get Your Copies of:

Millionaire Nextdoor

Get Rich Dad Poor Dad by Clicking Here!

Enjoy More Comical and Great Advice from the CEO of Go Daddy.com

Bob Parsons by Clicking Here!

Contact me with any questions @ blaine@findingfinacialfreedomblog.com or by phone @ (484) 868-2588.

You can also come back to us by remembering www.FindingFinancialFreedomBlog.com!

Don’t Give Up Your Day Job

2011-08-03T16:19:00.003-04:00

I know with this Post I am breaking the blogging rules but I do this with most of my posts on this blog anyway. There always seems so much to cover. This is why you see different topics in each post however I try to get back to each topic each week I post. Anyway I want to take the time to update everyone on jobs. The headlines everyday reminds me how many of us are still looking for a job. This week’s headline Don’t Give Up On Your Day Job is merely a head line not intended to upset or redirect anyone. I titled it just to get your attention but we will reference that topic a little later in this post.

I did see something on the news the other morning about people who have given up the job search. When people get out of the routine of working that routine of not working can be toxic to their job hunting initiative. If you are out of work you should at least try to work part time to re-stimulate a working routine. This will also help you in getting a new permanent job because a potential employer gets the impression that you want to do something to help yourself and they see that you are motivated by at the least having a part-time job. People who are just staying home give off the persona that they are willing to except anything where the motived person is willing to do what it takes to get ahead. Sometimes a step backward in your career can help you you take a step forward this expert had said. He proven it by saying when he got laid off as an economist he had taken a part-time job in retailing until he got a job as an economic analyst and commentator.

In other words do not Give Up Looking For A Day Job!

You will prevail! Many individuals have done it you can too, even in this bad economy. Those who want to work are working. Those who want a job are looking for one and will get one. Any less than that, well we all know the answer is to that statement.

For the job seekers we have added more websites where you can post post your Resume’ for free. Just go down the sidebar and look into those websites. Click on the banners and read the terms and conditions to see if the website is what you want to use. We offer more than one website per category to make it easy for you to find out what suits you. If you are comfortable post your resume’ on all those websites if they have a category with your job description. It can’t hurt you to get your name out to every resource you can. We also refer you to My Shopping Genie so you can continue your research using search engines if you cannot find something adequate for yourself in this blog or want to do more in finding a job. Everything in this blog is dedicated to helping you improve your life. My Shopping Genie will help with local searches listing local websites first. We also try to find quality sites and companies for you to work with and many of the websites have listed in this blog have high ratings with the Better Business Bureau.

I know you are going to ask me why am I writing this blog and I am going to tell you why!

I am no stranger to financial problems. One financial problem I had was caused by a business that had to be liquidated because of my disability. The other was caused by my source of disability funding was cut off after ten years of receiving that income by an investigator’s error. Not only did I not have my disability benefits for fourteen months, a large portion of the benefits were taken to pay my lawyer’s fees to get me reinstated and receive my benefits again. None the less a large portion of my wife’s retirement was lost because of fines and penalties that were paid to the IRS from using those funds to survive during that time period. And finally I had to pay more income taxes this year because I was forced into a higher income bracket because I was paid two years of benefits in one tax year. This was not to mention using debt to pay debt to keep my wife’s retirement somewhat intact. So if you want to ask me if am sympathetic to those of you in need and it does not have to be anywhere related to what I went through, I still understand. I also understand your situation could be worse than mine. My wife and I have spent the last year cleaning up the aftermath of what happened to us two and a half years ago. It was two and a half years before we had gotten everything straightened out from when I was dropped from disability. This blog is a part result of the research I did and some other ideas I could use to help those of us in financial distress.

In this blog you will find many great ways / tools we can help you with. As I go on I will find more reading material and resources to coaching to help you. I do recommend you review Getting Set With A Budget our June 12, 2011 Post to see what we recommended. There is a lot of good information to help you if you are new to this blog and have not read that Post. Also take the time to understand What True Wealth Is our in last Post July 22, 2011. The Millionaire Next Door is a terrific read and the knowledge in that book will help you for years to come in your attitude toward financial planning and spending habits.

This Weeks Rant!

It is amazing how the incompetence of others impacts our lives. It seems we always have to stay aware and be diligent when it comes to all aspects of our lives. We all work hard to set up borders to guard ourselves but because either someone competitive wants to excel at the expense of our wellbeing or just the plain incompetence of others can so drastically impact our lives. It only takes one person to misunderstand the information or the wrong press of a computer key. Never the less I want you to know as this blog goes on there will be the hope and understanding you are looking for in your research to a better financial future.

This Week’s Money Making Tip

This is where Don’t Give Up Your Day Job really takes meaning. I see so many people have high expectations of a direct marketing opportunity. When they end up disappointed they give direct marketing a bad name because the opportunity was not quite for them, they quit their regular job too soon, or they just plain quit before they got out of the gate. Most of what I am doing right now is direct marketing and I will not leave it a secret. If you look at direct marketing as a part-time job where you will eventually get ahead, you may be giving yourself the opportunity to become fully self-employed someday. This is the only way to look at a direct marketing opportunity. Get started, set goals, achieve them and go from there. You have to be determined if you are going to succeed.

For those of you who are unemployed this may be worth trying but from my experience it does take some time to develop a direct marketing business so I would only look at this opportunity as a part-time job. Try it out then go with your own feelings about increasing your income. You could have success but do not ruin it for yourself by raising the bar to high. Financially you may have allot on your plate already.

This also could be a great opportunity for a stay at home spouse or parent looking to develop something for yourself and do more to help out your household financially. This opportunity could be for someone like me who is disabled and wants to develop a new financial path in life. None the less in the last Post I introduced you to Customer Advantage. Customer Advantage is free to sign up for and get started with. I have sat in on their webinars and this could be a great place to start as a direct marketer and you can look in your city or town for prospects to advertise in customer advantage. It also is a great place to learn how to start a direct marketing business for free no matter what niche or path you decide to go. We will get into that with the next post.

Customer Advantage is still in the prelaunch stage and it will be easy for you to get started in your city or town and all you have to do is be willing to refer people and businesses to Customer Advantage. It is free to sign up with Customer Advantage, there are no hosting fees, and everyone you refer gets the same thing whether they want to make money with the referral program or not. For Free you can be one of the top distributors in your home town just by putting in some effort.

For this week sign up with Customer Advantage and save your e-mails to get into your back office. If you are familiar with a back office go ahead and explore the benefits and there is a page were you can listen to webinars done in the past get started and learn. It’s Free!!!

Before signing up take the time to choose a good or catchy name for your website. Your user name will be your web address name. Mine is FindingFinancialFreedom. My web-address for that site is findingfinacialfreedom.thecustomeradvantage.com you may want something shorter or just use your own name to identify yourself as being a Customer Advantage Representative.

Here is some advice from the author of Rich Dad Poor Dad Robert Kiyosaki.

Get Rich Dad Poor Dad By Clicking Here!

Take a look at the Customer Advantage by Clicking Here!

Please Contact me with any questions by e-mail @ blaine@findingfinancialfreedomblog.com or phone (484) 868-2588.

Please Note the Change in our e-mail address.

You will also be able to come to this blog with this address www.findingfinancialfreedomblog.com making it a little easier to remember.

Taking The Time To Discover What True Wealth Is

2011-07-22T09:07:00.010-04:00

In the June 24, 2011 entry we had made a reference to individuals that feel the need to keep up with the Joneses. People live by the myth that because people buy and display goods that show their statuses and are truly wealthy people. Those individuals do not get the fact that these are just material things and have nothing to do with real wealth. Years ago when you watched the Lifestyles of the Rich and Famous you saw all the glamour but never really got a look into any of those individual’s checkbooks. It all goes back to the theory that the grass looks greener on the other side of the fence. How many celebrities have you heard of that have gone bankrupt. Just because you have money does not mean you know how to spend or invest it wisely. It just means you have a great income and when the income stops a certain reality appears into the picture of true wealth. True wealthy people do not have the hardships that most of us have because of their frugalness and diligence where money, investing and savings are concerned.

Did you know that there are many wealthy people out there that you would not even know they are wealthy?

I am not talking about everyone being a millionaire I am talking about individuals being financially secure. I am talking about individuals with their homes paid off with significant savings and investments. This is also called Net Worth and True Wealth. A person with a Net Worth that far exceeds what that individual has in debts (Gross Worth) can also be considered wealthy. Gross Worth is a total value of what you own before you add in Loan to Value. Net Worth is the value of what you own after you consider your Loan to Value. If your Loan to Value is seventy five percent your Net Worth is twenty five percent. If what you have financed is close to or exceeds your Gross worth you are not wealthy and this is where many of us run into trouble.

If struggling to live pay check to paycheck is not wealth it is what it is?

Struggling paycheck to paycheck and it does not matter where you live or what you drive you are still struggling paycheck to paycheck. In this blog we want to get you away for that routine and on with a new way of thinking about money and how you spend it. This however is a process that cannot be done overnight. It is a process of breaking old bad habits and establishing new good and disciplined habits.

What we are talking about here is taking the time to plan your financial future or financial well being before it is too late. The true basis for this blog is coming from the book The Millionaire Next Door by Thomas J. Stanley, Ph.D. and William D. Danko, Ph.D. Where I do not believe everyone has to be a millionaire to be wealthy I do believe the fundamentals in this book will make you wealthy minded and even if you do not attain a million in net worth you are wealthy if your net worth far exceeds your debts or you have no debt at all. This to me is financial freedom and this is what we are seeking with this blog. If you get nothing else out of this blog you will get a strong sense of financial responsibility to yourself, for your family and live a more rewarding life day by day.

Get Your Copy of the Millionaire Next Door by Clicking Here!

How Mortgage Or Loan Modification May Be Able To Help You

In the June 18, 2011 entry before we talked about the tough choices and we talked about finding financing through Credit Unions. We talked about Credit Unions First Because that is a real viable option if your debt problem is short term. Loan Modification may be a resource you may want to opt into if you want a longer term fix on an asset you are spending almost everything you have to stay out of foreclosure. Back during the real estate boom they were offering financing that was attractive to buyers to sell homes not actually looking at the long term interests of the home buyer. These mortgages have left many people on the verge of foreclosure while using most or all their resources to stay in their home. What do you do at this point?

Above I said asset because your home is usually worth more than what is owed on it. As a result in the crash of the real estate market this is not always the case anymore. However it is still real property and in time may regain its value and more becoming an asset again. This is where Loan Modification comes in. As long as your home is your primary residence you are most likely eligible. The one requirement is that you have to be able to afford the home after the Loan Modification is complete. This is where people get confused and do not even try or just do nothing. . In the previous entry we told you of a source to help you do the Loan Modification through the government. This program is due to expire July 22, 2011. If you do not want to do the modification by yourself there are services that can help you and you will find out more coming up.

If this is a rental property and you do not live in it you may not be able to get a Loan Modification on it. Some companies do modification on assets but it may be a time consuming chore to find a Loan Modification company that handles that kind of loan modification. There are some out there.

We have again have ways you can get more information on Loan Modification.

For Home Foreclosure Fighter Click Here!

Why The Mortgage Problem Does Not Seem Like It Is Going Away!

Also download My Shopping Genie where you can find and shop for Loan Modification professionals in your area using your favorite Search Engine. My Shopping Genie is not just for shopping for goods it is also great for the services you need to help you become financially fit. The My Shopping Genie is Free and you can download it at the conclusion of this article or on the sidebar.

This Week’s Rant

By now you know how we feel about keeping up with the Joneses. People need to learn how to live their own life and not worry about what the person next door is doing. Living in a nice home in a nice neighborhood is what the goal should be in life. If your goals are higher attain them first by figuring out what you are going to do to achieve them with the least amount of financing if any at all. Dreaming about having and eventually getting something you like that someone else has is alright. It is good to have dreams but, if you need to purchase something someone else has because they have it or just to keep up with them is envy, and envy becomes many men and women’s downfall. Do not confuse what I just said with being competitive. Be competitive and achieve your dreams but, do not sacrifice your dreams just because of statuses. Set up boundaries for yourself and live within your means because Judgment Day could be a reality when you conduct your life by keeping up with the Joneses, especially in this fragile economy.

The individual in this video could be me but he is not. I really do like what he has to say and this video fits in with the theme of this blog well.

A Must Read For Struggling Home Owners

2011-07-01T10:33:00.007-04:00

A July 17, 2009 Update On This Entry!

When we discovered the material in this blog entry we noticed that there is a time limit on applying for this Government Sponsored Loan Modification. We kept this Posted to give Homeowner every chance possible to take advantage of this program at no cost to you the homeowner. Please if you are struggling take advantage of this program by The Friday July 22, 2011 Deadline. Come this Friday we are going to have a new entry and this entry (Below) will remain in the archives. We will advise readers in the future if this program is extended. We will continue this week with Loan Modification Services for those who believe they need help with tne application and processing however, you have to remember these services mentioned in the upcoming entry are paid services and are not free like the loan modification mentioned in this entry.

We will also be discusing another upcoming opportunity that you can start at no cost to you. This opportunity is still in pre-launch and will help you develop as a marketer with free trainings using webinars and webinar archives with more training features and more in your back office. This means no hosting fees, no website construction fees, with no fees of any kind to get started. Please be here Friday for this new informative post.

Posted on July 1, 2011

In this Week’s Blog Entry We were going to offer some loan modification suggestions to struggling home owners from private companies which we will do next week. These companies are motivated to help you with loan modification however there is a fee involved that is added into the process. These would be your last options. Looking through the Yahoo News Briefs I had found this little Gem with an earlier article to help struggling home owners. It seems that the US Government has fallen way short on their goal of helping struggling home owners with this program. In this holiday weekend if you can take some time to fill out the application on the website associated with these articles and get the help you need, here is your chance to do it directly from the Government. Even if you think you do not qualify give it a chance. We truly believe we can help you change your financial future by reading this blog. This blog is not only about financial education it is also about rebuilding your life by finding that job or establishing a home business. There is so much we can help you with here at Finding Financial Freedom. We consider this a big step in your financial relief to give you this very important information with the link where you can find out more.

The Deadline for applications to this Government Mortgage or Loan Modification Program is July 22, 2011!

Have a Safe and Happy Fourth of July!!!

Blaine

More Money for Struggling Homeowners

by Anna Maria Andriotis
provided by Smart Money from Yahoo June 30, 2011

A new federal program is offering aid with a sweet kicker: It doesn't need to be repaid.

For the roughly four million homeowners who have fallen behind on their mortgage payments, the federal government is offering yet another remedy: free money to catch up on their loans.

The effort, called the Emergency Homeowners Loan Program, is the latest in the federal government's efforts to slow down the flood of foreclosures a necessary step to a meaningful recovery in the housing market, says a Department of Housing and Urban Development official. For people who have lost their jobs, the $1 billion program offers loans of up to $50,000 that don't actually need to be repaid, if applicants meet certain requirements.

The goal, says HUD, is to offer short-term aid to people who look like they'll be back on their feet soon. But critics say the loans may leave homeowners worse off in the long run. "This is a short run band-aid, a modest attempt to grapple with the severity of the situation," says Stuart Gabriel, director of the Ziman Center for Real Estate at the University of California, Los Angeles.

Rolled out by HUD and the nonprofit housing advocacy group Neighbor Works America, the program is making loans with far better terms than anything on offer at a local bank. The loans are interest-free. Payments go directly to the lender for a portion of the borrower's monthly mortgage, including missed payments or past due charges. And when the assistance period -- which runs for up to two years -- ends, 20% of the loan is forgiven with each passing year. In other words, for qualified borrowers who stay in their home for at least five years after the assistance period and who don't fall behind on their mortgage again, this money doesn't have to be paid back.

But some critics say that's where help for consumers ends. By taking this loan, borrowers risk falling further into debt. If they sell their home before the entire loan is forgiven, they'll be on the hook for the remaining amount. The same holds true if they fall behind on their mortgage payments again: they'll need to repay the remaining balance of the loan when they sell or refinance their home. Separately, borrowers aren't required to have equity in their home to receive this money, so someone who has to repay this loan risks owing more on the home later than they do now. For homeowners who are significantly underwater now, the loan may only delay foreclosure, says Gabriel. While the limit each person will get is up to $50,000, loans will average about $35,000 per person, according to Neighbor Works America.

Others say the program doesn't go far enough. The loans will be made available to around 30,000 applicants -- "a drop in the bucket," says Stu Feldstein, president at SMR Research, a housing and mortgage research firm. It's helpful, he says, but it won't be enough to seriously boost the ailing housing market. Roughly 4 to 4.5 million borrowers are behind on their mortgages by at least 90 days or are in foreclosure, accounting for roughly 8% of all mortgages. Housing analysts say the loss of income is the primary reason why borrowers are in danger of losing their homes. Those behind the program counter that the help will be significant for some. "If you are one of those 30,000 people, I think you should be very excited to get this help," says a Neighbor Works America spokesman.

The program started last week and will take applications through July 22. Many experts say it's still too early to say it will be successful, and so far federal assistance programs haven't impacted a significant number of borrowers. The government's Home Affordable Modification Program, which started in 2009 and was projected to help up to 4 million homeowners lower their mortgage payments has so far only permanently helped around 700,000 homeowners. To be eligible, homeowners must have lost income and be at risk of foreclosure due to involuntary job loss, underemployment or a medical or other economic condition; details on the application process are available online through Neighbor Works America.

For More Information and to Apply Click On http://ehlp.nw.org!

SMARTMONEY MARCH 30, 2011, 11:27 A.M. ET.

New Options for Underwater Homeowners

By ANNAMARIA ANDRIOTIS

Until recently, it took a rare combination of extreme bad luck and poor judgment for a homeowner to end up under water on his mortgage that is, owing more than the house is worth. Today, nearly one out of four homeowners is facing exactly that situation. In response, banks and the government are rolling out new programs they say will help that is, for homeowners who qualify.

After banks' initial resistance to loan modification programs and refinancing designed to help struggling borrowers, many are now embracing programs for homeowners in trouble. Both GMAC Mortgage and Wells Fargo have started either reducing some mortgage balances, deferring payments or offering subsidized refinancing. Chase says it will open another 30 dedicated "help centers" this year where homeowners can apply for loan modifications. This month, the government also stepped in, extending the period for underwater borrowers to refinance their mortgages at lower rates, which was not possible through standard refinance programs. "All of a sudden, everyone is aware of this growing problem," says Stu Feldstein, president at SMR Research, which tracks the mortgage market.

About a year ago, it seemed the number of underwater homeowners was declining as home prices were rising. But housing analysts say that trend is now reversing. Approximately 23% of homeowners with a mortgage are underwater -- near an all-time high -- according to fourth quarter 2010 data from CoreLogic, a mortgage-data firm. That figure rose for the first time in a year, and it's up from 22.5% in the previous quarter. Meanwhile, another 2.4 million homeowners are teetering on the brink, with less than 5% equity in their home. If home prices drop another 10% -- which is likely over the next year many of those owners could end up with negative equity, says Cameron Findlay, chief economist at LendingTree.com.

While this has been an obvious problem since 2008, "large banks have been extraordinarily slow to move to adopt these programs," says Paul Leonard, a director at the Center for Responsible Lending. But now lenders are increasingly stepping in, eager to avoid foreclosures, which can cost the bank far more than a reduced payment plan or loan modification ever would. Lenders are also hoping to keep discouraged homeowners from intentionally walking away from their home: Half of homeowners who owe 50% or more on their home than it's worth and who default do so strictly because of negative equity, according to a 2010 Federal Reserve Board study.

But the banks' programs aren't designed simply for people disappointed by falling prices. To qualify, in most cases, borrowers have to prove they're having trouble making their payments and for a good reason. They'll often have to provide documentation for a job loss, a pay cut, large medical expenses or other unanticipated losses. If approved, they could be offered a lower interest rate by up to 2% when a bank is participating in the government's Home Affordable Modification Program. Or they may also receive a longer repayment period extending a mortgage up to 40 years from the date of origination -- which makes monthly payments smaller, says Leonard.

With some lenders, borrowers who are past due and whose home values have suffered large losses (and appear unlikely to recover in the near term) could qualify for a principal deferment, where a chunk of the mortgage is set aside to be paid later, or out-and-out forgiveness of part of the loan. In general, borrowers will have to meet some income limitations. Modifications typically occur when a borrower's monthly mortgage payment is more than 31% of their monthly household pre-tax income and when the principal balance is no more than $729,750 on a single-family home. The amount forgiven is often small in the grand scheme of things, and it varies depending on the lender and the borrower's circumstances. Wells Fargo, for example, says it eliminated $51,000 in principal, on average, for more than 73,000 borrowers from 2009 through 2010.

Some government programs offer help, through refinancing, to underwater borrowers who are capable of making payments. But applicants will need to meet a long list of qualifications. For underwater borrowers, these programs are among the very few options available for them to refinance. Homeowners who owe up 125% of their home's current market value should contact their lender or mortgage servicer to find out if they're participating in the government's Home Affordable Refinance Program (HARP), which was just extended through June 2012. Borrowers must have a mortgage that's guaranteed by Fannie Mae or Freddie Mac -- to find out, contact these agencies or your mortgage company -- be current on their payments, and not be more than a month late making a payment over the past year.

There's also an option for borrowers who are even further underwater where participating lenders must agree to write off at least 10% of their unpaid principal balance on their primary mortgage. Since September, the government's Federal Housing Administration has been offering some underwater borrowers in areas with large declines in home values -- like Miami and Las Vegas -- a chance to refinance. But that's assuming that their lender agrees to write off a portion of the unpaid principal and that the borrower doesn't have an FHA mortgage but can now qualify for one. So far, just 24 lenders are participating, and only 99 loans have been approved, according to an FHA spokesman. A GMAC spokeswoman says the company will open up this program to some of its borrowers in the next few weeks.

In spite of the recent flurry of activity, consumer advocates say homeowners shouldn't expect much at least not yet. As it is, some government programs have already fallen short of expectations. HAMP, for example, has helped around 600,000 people permanently modify their mortgages since 2009 -- so far, a far cry from the up to four million it was projected to help. And banks have been slow to act as well, especially when it comes to borrowers who are currently making payments. Among lenders "there is some concern that by offering [principal reduction] qualified borrowers will storm the gate and demand a reduction," Leonard says. So far, that hasn't been the case. From 2009 through 2010, Chase says it helped around 500,000 borrowers avoid foreclosure. During that period, about two million foreclosures occurred, according to RealtyTrac.com. And critics say even the loan modifications that have been in place haven't helped that much: Many of those borrowers fell behind on payments again afterwards.

Of course, there are other options for desperate homeowners. They can try a short sale, assuming the bank allows them to sell the home for less than what's owed on the mortgage. More lenders are now open to this, says Stuart Gabriel, director at UCLA's Ziman Center for Real Estate, because they're likely to lose less money in a short sale than they would in a foreclosure. Or, if they can make the payments, they can decide to ride it out. Contrary to popular belief, homeowners who have seen their homes lose 25% or more in value but can afford to keep paying the mortgage might be better off staying there and waiting for prices to stabilize, says Findlay. But if a borrower is able to refinance into a lower rate through a government program, that might be the better move, he says.

For More Information and to Apply Click Here!

Please be advised that we do not endorse any company in this video and that it's educational value in loan modification preparation was the only reason we chose this video.

Get More Information about the Mortgage Crisis by watching this video from 60 Minutes.

Getting a Grip on Your Financial Reality

2011-06-24T11:13:00.005-04:00

In the last post we showed you some of the options to get a budget together and get financially organized. Now you have come to some of your options and realities. With some belt tightening, getting rid of club memberships, services and luxuries you know you can do without for the moment you can find a way to be solvent every month. You even may find some money you can start stacking away in a savings account. This is good but if you cannot find a way to at the least break even every month you have some tough decisions to make.

Never get the impression that this blog will be about saving the BMW or Mercedes from repossession because I can tell you to cash out on them now while you can find some money to get adequate transportation. We are talking about owning the transportation you need to get your daily routine taken care of. If you are that caliber of person perhaps you should read The Millionaire Next Door to understand what I am talking about. The Millionaire Next Door gives you an idea of true wealth amongst high income people and that you do not necessarily need a big income to become wealthy. You will find nothing in this blog that will tell you I have any sympathy for those who have the need to keep up with the Joneses. It is a part of American Society that is more of a fable than the American Dream. In fact this is only the dream that advertisers and big banking want you to believe. I am tired of falling for their myths and tricks how about you?

Ok! You have gone through everything that you owe with the pay-off dates. Then look at your budget and think of what you can do without to pay back your debt and become solvent. Look to see if you own property and if you have some equity you can cash out on. When I say this forget about what your banker told you. Get banks and bankers out of your head. They only tell you what they want you to hear. Get an estimate of what your loan to value is on your property. If you have no property you can still follow this plan so please read on what I am going to tell you may surprise you.

Federal Credit Unions are for the regular everyday person. When the banks tells you they can do nothing for you means they lend to people that can secure their debt (wealthy people). Banks lend to the rich and big business and any unsecured debt is where they make their money by charging more for their services. Big banks are not interested in helping you pay less your debt unless you can secure these loans. Big Banks mean only secure loans with individuals yet they will take chance with big business investments as we saw in 2008.

Enough of that! If you can benefit from a lower payment and you are willing to sacrifice some credit card accounts a Federal Credit Union may be able to help you. If your credit score is at least in the high 600s you may qualify for an unsecured loan through a Federal Credit Union. You do have to prove that you can pay the money back. The criteria for Credit Unions are different from regular banks as far as lending. If you do have some equity in your property and a bank will not let you cash out again the criteria is different with a Credit Union. Credit Unions will go up to 90% loan to value on your property where banks will go only to 80% Loan To Value. Banks charge you processing fees for your financing where Credit Unions do not. This can make a big difference in what you receive in the funding you get in your loan. Not to mention all the loan programs with credit unions are fair with their interest rates and more tailored to the individual.

This again is where My Shopping Genie will help you. Credit Unions are regional and the best way to find one is calling and asking what the membership requirements are for the Credit Unions in your area. My shopping Genie will help you find the Credit Union Suitable for you by using your favorite Search Engine.

Remember the My Shopping Genie is a free to download and My Shopping Genie will help you save time and money on all goods and services you may need in these hard times of recovering financially.

Desperate Times Call For Desperate Measures

Here is where we have exhausted all options. At this point you want to stop the financial bleeding and the constant badgering from banks, creditors and debt collectors. These are the measures you can take to basically tell all those who have badgered you to do something anatomically impossible and start over at the same time.

When all options are exhausted you may want to consider Debt Settlement. Debt Settlement at this point may or may not be better than bankruptcy. What you have to consider with Debt Settlement is the time it takes to get the negative entries off your credit report. Even if the accounts you settle are marked paid and current they will also be marked as settled and prevent your credit score from going up. It will take an additional seven years from the time all your accounts are settled to successfully get them off your credit report.

When accounts get settled through Debt Settlement you also may be liable for the difference between what is settled and what you paid. This will be considered income to the IRS. Please note when you settle debt, the financial Institution may send you a 1099 with the unpaid balance to you as income so they can deduct it as your income from the IRS. This sometimes is overlooked by individuals seeking debt settlement and can further hurt you in your financial recovery process. If you are in debt the last thing you want to do is get into debt with the IRS. The fines and penalties are far worse than dealing with creditors.

View More Consequences of Debt Settlement in the Videos Below This Entry.

The Last Option Is Bankruptcy

The threat can be worse than the solution. There is a lot to consider with bankruptcy however, do not rule it out if you are over your head. With debt settlement depending on how swiftly all the debt is settled it can take nine or ten years to get your credit history or report in good reporting condition. With Bankruptcy it takes ten years. With both you can obtain credit in that time, but at what expense to you as the consumer? The answer to these questions really lay in a lawyers hands. He will actually tell you how you can protect some of your assets where if you waited until forclosure let’s say the result could be completely different. With the help of a lawyer and if bankruptcy is done right it can help you save you from losing your car or transportation if they are paid for in full and you have title to them. Bankruptcy means protection from creditors because of financial hardship. I can write paragraph after paragraph on why or why not to go bankrupt and only you can make that financial decision. Only you can make that decision to stop the constant phone calls and the financial bleeding. If you do not take action the problem will never go away. All you are doing is letting the big financial institutions rob you of your dreams, your peace of mind, your relationships and worse your health and wellbeing. They call it civil law but there is nothing civil on how they treat you when you cannot pay your debts.

We have resources to help you find a lawyer or again My Shopping Genie will help you using search engines.

1 Look Into Legal Match by Clicking Here!
2 Look Into Rocket Lawer by Clicking Here!

This Weeks Rant

After reading book after book and article after article on banking and consumer rights concerning debt I can’t help but to be angered. The reason we all take on debt is to get the things we want faster instead of saving for the things we want. Since I was young how the flow of credit has infiltrated the poor and middle class with people being victims of credit misuse. Do not kid yourself big financial instutions do not want to see you succeed they just want your money when you fall behind. They rock you and sock you with late charges topped with default rates that make you fail instead of helping you find an equitable solution. These financial institutions have lawyers on their side. If you are bleeding financially seek help. Go back and read the past entries and stop the bleeding now! Or, find a good bankruptcy lawyer and get your life back. There is plenty of help out there and there is plenty of help in this blog with more to come so get going and help yourself today to start living a happier more prosperous life.

Getting Set With A Budget

2011-06-12T15:56:00.011-04:00

Getting set with a budget is more a matter of discipline than knowhow. There are many Self Help books you can use or courses you can take to help you learn to set up a budget some you may find online. With one search I found spreadsheets 1 2 3 free budgeting worksheets with My Shopping Genie.

For Free Budgeting Spread Sheet From Spread Sheets 1 2 3 Click Here!

The deciding factor on this is do you want to self-educate yourself, do you want to seek some education or have someone professional get you started. With this entry we are going to offer some suggestions on what to follow. What you need to remember it is up to you and to what standard and time frame you set your goals. Remember with last week’s entry we just wanted you to get a general Idea of what you would like to accomplish financially. We were not trying to suggest you be too harsh on yourself and be realistic on the goals you set for yourself. Try to take the blame away from yourself. It may not be your fault. Look at your total picture before becoming too hard on yourself. You want concentrate on what you are going to do to change your financial future. In the coming months your outlook can change to the positive when you actually see your future improving as the debt goes away.

If it is as simple as just organizing your finances you can start with this e-book. Click Here!

If your finances seem more complex and you want to learn to get and stay out of debt these Ideas may help.

I am in the process of personally using the debt to wealth system. John Cummuta has some great ideas using leverage in teaching this system. With this system you learn to pay off debt by making each account at a time eliminating one account at a time and then using the funds from the paid off account to pay off the next. This is a great concept however, when you do your debt analysis you still have to be able to live after you set up your payoff budget. That means you still have to have the money to leverage and be able to pay your living expenses without taking on more debt.

What John does do is give you a strong education in setting up and maintaining a strong financial ethic that will help future financial decisions and difficulties. All this is done through video seminars, work books and work sheets. If you are going to build a strong financial foundation this course is one of the best out there. I am sure you have heard the ads over the television and radio.

The Initial package is all most people need to help them determine there daily finances. When you fill out the auto responder you will be offered an advanced course which you pay extra for. The advanced course is a course and an MLM program. I am an advocate of MLMs however; I do not know much about this program and find that getting into a MLM is a personal decision. It would be in my opinion if you are in financial distress this will be a hard program to start knowing you are in financial distress and will require some real salesmanship. If you feel you can achieve with this MLM try it. If it is going to sit in a closet you own an overpriced financial management program so do not get involved and opt out of the e-mails and the calls after you are secure with the original downloads. There is a money back guarantee on the original downloads.

Just to remind you that the initial seminars and workbooks you can use over and over again will help you keep focused in your debt goals. Remember being debt or financial free is the first step toward true wealth. As you get there will be opportunities out there with easier and more inexpensive MLMs or other programs to start. You will find out by continuing to read this blog in future entries.

Debt Goal is an online service I have given special attention to. To use Debt Goal runs along the same lines as the Debt to Wealth system but you set up an account online to pay your debt back. Debt Goal is easy to use and easy to set up. You just have to have a true goal in mind when you set your account up.
Debt Goal unlike the Debt to Wealth System uses the leverage of all your accounts to pay them off. This is a real simple method. Say you have three credit cards and a personal loan to pay off. You start off with the three credit cards with the minimum payment on each. As you pay down the credit cards that same payment stays the same using the extra money you have by not paying a minimum every month to leverage and pay down your debt faster. As with a personal loan you may want to pay it off in three years instead of four years, your payment get figured out on an accelerated scale leveraging the payment against the interest. Debt Goal thoroughly describes its program on its website.
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To Look Into Debt Goal Click Here!

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Here is where you can get free budgeting help. But when I say free budgeting help that means Consumer Credit Counseling will sit you down and help you with a budget and give you a financial analysis and proceed to give you advice. This is where you need to be careful. I am not saying that their advice will be wrong. That is quite the contrary. The advice they give you can be very beneficial. What I am saying is make sure their program is for you.

If you have more than $10,000 in unsecured debt and you are pay the default rate on that debt. This means you were a day late on your credit card payment more than twice I a calendar year you most likely are paying the default rate at around 30% annually. This means you are paying about $270 on that $10,000 each month in interest before even paying on any of the principal. This is why you feel like you are not getting anywhere in paying down the debt.

Here is what is special about Consumer Credit Counseling. With most of your unsecured debt they will work out for you a payment plan that reduces and / or eliminates the interest on that debt which helps you pay down the principal on all that debt for a lower payment to Consumer Credit Counseling. They take care of every creditor you listed with them for you monthly.

Here are some of the drawbacks; you have to prove you can pay the monthly payment. If you are late you can be removed from the program and be responsible for all unpaid interest because you did not follow the terms of the contract Consumer Credit Counseling agreed to on your behalf. Another drawback is you credit score will remain in the low 600’s during the time you are paying back the debts. You have to pay a $35.00 a month service fee to distribute your funds to Consumer Credit Counseling. And lastly you cannot apply for or obtain any unsecured credit from any sources or you will also be removed from the program, and you again will be responsible for any unpaid interest by defaulting on the promises made on your behalf by Consumer Credit Counseling.

If you are carrying debt you can afford you are most likely better off using Debt Goal or The Debt to Wealth System. If you feel you can live in the guidelines of Consumer Credit Counseling that is a good Choice also. I am a graduate of Consumer Credit Counseling of Delaware Valley and I have no regrets. Being a graduate proved to me with some discipline you can achieve financial freedom. However, If Consumer Credit Counseling is suggesting bankruptcy we will be discussing that and other alternatives in the next post.

Consumer Credit Counselling Main Site Click Here!
Consumer Credit Counselling Of Delaware Valley Click Here!

Do not forget to get you My Shopping Genie to help you with your search for credit counselors. My Shopping Genie lists all the Best Credit Counseling Locally in your search making your search faster and easier using your favorite search Engine. The best part about My Shopping Genie it is a Free Download with no strings attached.

This Week’s Rant

Filling out but being careful with using Auto Responders Part 3

If you do not like phone calls try not to fill out auto responders that ask for phone numbers. Try only to do the auto responders that only add your e-mail address (remember the Commercial e-mail account Idea from last week’s entry). Just remember if that auto responder has something that you are interested in and you do not want to give up your phone number you could be missing out on an opportunity. What you want to do is only try to fill out auto responders that truly have something to offer you. If this is a product or service you commonly use and you benefit by saving money, it helps you with your employment or helps you with your conquest to become financially free I can only encourage you to use that auto responder. If it is something you are just curious about and it has no real purpose in your life you are best not filling the auto responder out.

The one thing you have to remember. If because of auto responders you are getting bombarded with unwanted calls. Stay on the phone. At the point where the person who is calling takes a breath you be prepared with.

Here is your script:

I am sorry but I am not interested in your (product or service). I do not know how you got my phone number and I do not care. I am taking your number off my caller ID and if you call me again I will call the do not call list and seek to have action taken against you. Please take me off your list. Thank you!!!

That is your Verbal Opt Out and It Works!!!
If you keep on ignoring the calls they will not go away. Memorize that script and be firm with these sales associates. If they do not comply with your wish call the do not call list and report them. It is your right use it!
In coming entries we will give you some ideas on how you can do the something to deal with Debt Collectors. Below we do have a video that can help you in the meantime. We also have an E-book that may help you.

Beat The Debt Collectors Ez Forms Click Here!

View Some Helpful Video Below This Entry!

If You Are New To This Blog Go Back And Read These Posts:

Getting It All Back Together Again Click Here!

Let's Talk About Jobs Click Here!

Better Financial Planning Means Setting Goals And Better Time Management Click Here!

Better Financial Planning Means Setting Goals And Good Time Management

2011-06-04T07:09:00.004-04:00

When you have made up your mind to make that change in your finances it is important to remember that even if you go with some kind of credit management service your success or failure is going to depend on the goals you set and the time management you keep. In the coming week we are going to talk about budgeting but first we need you to start setting some goals with a general time frame to accomplish what you set out to do. However, for this week we want you to list and set reasonable goals of where you want to be financially and in life in the next five years. If you are going to have all your debt paid back in five years that’s fine but, be realistic. If you want to have your debt three quarters of the way paid, and maintain a seven hundred plus credit rating that is reasonable too. Just do not go wrong by thinking the Fairy Godmother of finances is going to save the day you will not find it in this blog or if you are real lucky you win the lottery but, chances are that will not happen either. There is no miracle software or miracle cure for repaying your debts. Just careful planning and if you need it some professional help.

Do yourself a favor and look at your total situation and list your debts and expenses. Just do that this week. Set that list aside and we will talk about how to set up a budget, and if you need it where to go to get help with budgeting next week. In the meantime here is a little guide I wrote about setting goals and time management.

“When I grow up I want to be like my wife!!!”

Multitasking is not one of my strongest assets. With the Easter Holiday so late in the year, a location change for the weekly business meeting I attend, and Memorial Day Holiday I have not been keeping up with everything I want to accomplish. During the winter months I have a little more time on my hands because a most of my regular work is seasonal. The business opportunity I have been working on is not at the point where I can leave my job and work on it fulltime. That is the plus side of this business I am working on is the ability to start part-time. The tough side is always finding enough time to work on my business without it interfering with family and my regular job. Here is where I need those lessons from my wife.

The first thing I need to do is get better about using my calendar. What I need to do first is duplicate the needs and events off the family calendar my wife posts for us. This way I can plan what I want to attend and what I can skip so I do not interfere with important family tasks and events.

I am good about using my calendar but for some reason or another I step away from keeping up with it when time seems more manageable. When the time seems manageable is when I should plan more and strive to get ahead. Sometimes it seems easier said than done.
I know I need to spend more time setting and managing my weekly goals. We all know we all have to start with the ultimate “Goal” or “Why” with anything we want to achieve. As we define the larger goals we need to break them down into smaller tasks. This means if I am not going to lose track of my ultimate goal I need to break it down into monthly, weekly, and then daily tasks. This way the ultimate goal will not seem so overwhelming. Here is where the business plan or the game plan comes in. You have the master list of those goals you want to achieve with the approximate deadline you want to achieve that goal. Keep them separate from your monthly tasks. After you have made your monthly list of tasks you bring it out to your weekly list of tasks. This is where you make your weekly list of tasks. Those tasks should be categorized by their importance and then scheduled in your calendar.

One thing you have to remember that you need to keep your master list of goals where you can see it frequently to keep you excited and ambitious about achieving those goals. During the week you want rely on your calendar to keep you directed. Once a week you want to pull out your weekly and monthly goal list and mark off what you have accomplished and re post on your list and calendar what is important to you. If you find a step or a task was not that important to you anymore or as you originally thought, forget about it and if it comes up later then accomplish it.

Take time monthly to develop your monthly list. Put a date and a time on your calendar to add your monthly tasks to that list. Make this appointment to yourself each month without exception. This is where you schedule your time weekly to work on your weekly list. The key to all of your lists are keeping a small notebook handy for your tasks and your thoughts. I need to get better with listing the tasks. I always seem to put down my thoughts when possible. The reason I said this is. No matter how strong or weak my time management can be at times, taking notes and getting things off your mind is essential to helping you relieve the pressure of not having enough time. With the demands of our daily lives if we take the time to write something down there is less of a chance you will forget something important, help your productive time go further in life, and keep the anxiety level down.

This Week’s Rant

We are not going to have a rant this week instead we are going to offer another suggestion about last week’s rant. People complain about their e-mail boxes becoming full of junk and spam e-mail. There is a cure for this. Open a second e-mail account. Designate one account for whenever you fill something out on line. That way you just manage the junk mail with the junk mail and the mail that is more important to you get managed in your regular e-mail box.
Let’s call one mailbox your commercial mailbox and the other your personal mailbox. When you fill form or direct an offer to your commercial mailbox you have control over whether that individual or company is going to sell your information to another list. I say this because when you have too much junk in your commercial mailbox you can just delete the entire contents without fear of losing something important. On the other hand if something interests you or is safe to you, you can forward it to your personal mailbox box and you will not have to worry about all that junk and spam. Eventually if you discover that you want that mail going straight to your personal e-mailbox go to where it says to remove your e-mail from this list (opt out option), you can reassign that particular auto responder directly to your personal e-mail in most cases there.

Filling out some auto responders can save you money. Last week we added Groupon to our sight. This week we added discounts from Kellogg’s. Guys this is like free money. You do not have to spend money to save money with these auto responders. They send the savings to you directly to your e-mail box. There is no hunting down bargains. You will not have to pay taxes on that money you save, and it is like additional income. If you are going to spend money on that product anyway get it at the biggest discount possible. The key is if you are not shopping for it or planning for it don’t spend it. A coupon or a sale is not a sale if you do not want or need it! Think of it as stretching the money you have instead of saving it at the register. When you have stretched your money so far as you have some extra put it in a savings account. Now that is saving. You just need to be able to invest some time into saving (stretching) money. It really can enhance your income if it is done right.

With a commercial e-mailbox you can also work on surveys. Surveys again as I said last week, people actually make a part-time income from surveys tax free. With a separate e-mailbox is where you can separate the products and services that mean the most to you from the ones that do not. Your commercial e-mail box where you can delete unwanted e-mail cancel the auto responders when you get time. You will find this extremely true with surveys. But, you can acquire some pretty nice stuff by taking surveys and there are some good ones to follow.

Take Some Time And Look Through Our Video Below.

Let’s Talk About Jobs

2011-05-27T09:52:00.013-04:00

Yesterday’s joke seems to be today’s nightmare. As we all gathered together and when someone was not working up to performance we would say Get a Job! That statement / Joke or not is no joke today. Yes, the job market is getting better but it is changing and requiring new skills. As for the skills of the past those jobs continue to be hard to find. We are sensitive to the direction you may want to take because you may feel you have run out of options. You can’t become financially free if you have little or nothing to work with. If we accomplish anything out of this blog you will understand everyone has the right to be financially free and we intend to give you ideas to head you in that direction. We are going to suggest to you how to be frugal without being cheap or putrid about your spending habits. We are also going to show you to be frugal without putting your entire life on hold to be financially free.

In the coming days we should be coming up with a few more job websites for those of you serious about getting your life back in order. We currently have Job Access Center which is a management to professional’s website. I am not imagining too many professionals reading this blog but, if there are some professionals reading this blogwe are glad we can help. Job Access Center also helps those individuals looking for upper management positions. If you have five or more years of experience in middle management this site may help you spring a better job. You may have to be willing to relocate for these positions.

The next site is jobs.com. Jobs.com is basically for anyone who is looking for a job. Jobs from a to z let’s say. I know some people would like to upgrade their job to a better one and there are many of us that need a job. This may be the easiest format you have. There will be sites entered in the coming week that will help you with résumés and there are sites that will be about self-employment which we are going to get to. But, first we want to concentrate on jobs and adding resources for jobs. The rest can come later.

My suggestion to you is to copy this web address in case we lose you, for you to come back to us, or bookmark this page which may be easier. As we said we will be adding more sites to the sidebar. So check out the two sights we have for jobs and let’s see if we can get something good going for you soon.

We will also soon be adding an e-mail sign up banner where you can sign up for an updates e-mail letter!

The Power of Free

Groupon

This is a great place to come for you entertainment needs. Whether you are a person that frequents restaurants, or you occasionally go out you cannot miss the bargains with Groupon. You do not have to pay retail to have a nice time. Groupon is good for dating, (Not advised for the first date), married couples, and family events. Maybe even to get together with friends. Don’t feel funny presenting one of these coupons because businesses are doing anything to get you in the door and they get tax breaks by compensating you or coupons. It is all the same when it comes out in the wash. So take a night out on the town and save 50% to 90%. The best part is the Groupon service is free. Just click on the Powered by Goupon Banner near the top of the page.

Or, Click Here for Groupon!

Groupon also has coupons to spas, amusement parks, movies, outings and more. If you are going on a vacation you can change the search and you can get coupons for your destination.

Other Ways To Save

After going through some E-zine articles this week I found this little gem. I have not tested this yet but I figure I would let my readers give this a little test. This site is called Free Groceries Central. In this website you can go state by state in which grocery stores offer free groceries. What you do is take a survey and you are rewarded with up $250.00. What the small print says you have to accept two offers. Just make sure of one thing, if you do the survey check the terms and conditions and the cancellation policy before you accept any offers. I do know the thrifty know how to use surveys to save them a lot of money; one other hint is not to ever put in your cell phone number to receive a text. This will save you unwanted charges to your cell phone bill. If they want you to send them back a code do not enter it to precede, just close the page and move on. There is a pot of gold at the end of the rainbow. This it is free money and not taxable because it comes in the form of a gift card, you will not be asked for a Social Security Number or given a 1099 form to fill out. These are promotions and fall under the same category as coupons.

If you have any questions about using surveys please e-mail me @ bws4findingfinancialfreedom@gmail.com.

Try Free Grocery Central Click Here!

Have A Great and Safe Memorial Day!
Please remember those who paid the highest price for our freedom!!!

Getting It All Back Together Again

2011-05-19T13:42:00.006-04:00

I really have to admit I miss doing this blog. When I go back and look at the stats we had something good going here. During the time I have taken off from this blog I have been working on a pet project. In that project I have discovered I like blogging but most of all I like helping people. To me there is no better way than to help someone out of distress. I have had my share of financial problems but I have always worked my way out of them by careful spending but not necessarily sacrificing in every way by paying my debts back. On the side bar you will find solutions and opportunities to help you make your own way to financial freedom. These tools and services are places you can go to discover in your own way financial freedom. I know I like to research my way through crisis more than take other peoples advice. But when I need help I would like to know I can find it. I hope with this blog you can find the same.

Let’s Start Over By Defining Financial Freedom!
Financial Freedom does not always mean you are wealthy. Financial freedom means that you are able to pay all your expenses every day of every month of every year without being in debt and in financial worry.

Does that sound like where you want to be?

Financial Freedom should mean to you your own financial comfort and what it takes to be comfortable to you and only you and your family. How wealthy or not wealthy you are should not matter to anyone else. Keeping up with the “Jones” does not mean you are wealthy if you are severely in dept. Material possessions does not mean financial freedom. What you have in “Assets” is financial freedom!

We will be discussing the difference between the two in future posts.
We all can be there someday with some smart financial decisions, some diligent spending and saving.

Does this sound difficult?
It really isn’t so now that I / we commit to focus we can change some of the habits we have had slowly to find a path to financial freedom together. Yes I have had a head start. I have been doing the research and all you have to do is follow some of the options that will be coming up as topics in this blog.

Bookmark This Page and Come Back For More Finding Financial Freedom!

We Have Added Some New Informative Video Below All These Entries!!!

Living With Your Debt Free Decisions

2010-10-14T09:48:00.004-04:00

When you think about your debt situation did you ever think about how you got there? Was your debt situation a situation that was beyond your control like hospital bills, disability payments that had stopped, a financial arrangement that was not honored, bankruptcy of an associate or a partner and so on? Getting into debt is not always your fault. We know you can’t always blame others but you should make it clear to yourself how this happened to you. With the big question to yourself should be, how do I repay the debt? If you go back to the opening entry and read it, the opening statement is about not just thinking, but knowing where you want to be financially in ten years. It is a goal statement! I know where I am going to be financially in ten years and I will be doing exactly what my goal had stated. I already have the foundation steps of my game plan in motion. The one thing you have to remember is, there are no get out of debt for free passes out there. Unless you take the steps necessary to solve the problem your debt will be there to haunt you. What we offer you here at Finding Financial Freedom are the stepping-stones for you to live a life free of financial bourdon. Your first step is to make up your mind what you want to do, develop a plan, implement the plan and take action. We have the tools for you here at Finding Financial Freedom and Help With - Debt Rights. When you use our HelpWith-DebtRights.com web address, a landing page comes up where all the products and services described in this blog are. Unlike this blog the landing pages have more products and services content. You can open the advertised websites in new windows in the Help With - Debt Rights pages. There you can easily compare the products to help you. The websites are easy to compare when all the websites you choose are open in a separate window. You can minimize one website to look at the other. Finally, in Help With - Debt Rights there are four pages of self-help products and professional financial help services for you to look over with more to be added as we research them.

In a short time the home website for Help With – Debt Rights, Scotty’s Specialty Shack, .com is going to be redesigned as a Debt Free Shopping Solution Website offering only Pay Pal as its main payment outlet. Coming in November and December if the associates we advertise for do not offer a beneficial product or service or a way to pay from your bank account safely we will not advertise for them, making room for only debt free shopping websites and solutions. The websites out there that do not offer debt free shopping are a dime a dozen and Scotty’s Specialty Shack wants to be a leader in solving debt problems and not creating debt problems by offering only responsible payment methods. For now Scotty’s Specialty Shack is transforming and Help With – Debt Rights is there for your debt solutions. We will keep you posted on our progress with Scott’s Specialty Shack.

In the mean time an associate we are going to highly endorse is e-Billme. e-Billme is a website dedicated to Debt Free Shopping in a very convenient way. You can signup with e-Billme directly through your bank account in a safe manner by using e-Billme’s safe signup method. Also, e-Billme has payment centers all over the USA to make your payments in cash for some that do not want to pay online for one reason or another. You order what you would like through any of e-Billme’s retailers then print a receipt take to the receipt to a e-Billme Payment Center then what you ordered will be delivered where you have specified. e-Billme Payment Center locations are specified on the e-Bill me website. Why shop online with e-Billme? The reason is you can get warehouse direct prices from many different retailers. You find something in the store you like, before you buy retail check e-Billme and buy the item with the benefit of paying cash you can get even better than sale prices. In some cases you can get up to forty to fifty percent savings with e-Billme online coupons. e-Billme is like a savings club and you do not have to pay a fee to be a member.

Another safe way to stay on your budget and not use credit cards is to link your accounts to Pay Pal. Many online shoppers use Pay Pal fo their purchases online. In fact Pay Pal is one of the originators in safe online payments. There are many linking options with Pay Pal and Pay Pal is one of the leaders against fraud with its alerting methods. You can also receive payments with Pay Pal making Pay Pal a great source for online transactions. Lastly you can dispute any purchase problem using Pay Pal as your vehicle for a dispute. This can save you time with phoning in a complaint or a getting a refund. Click on one of the Pay Pal keywords or the sign up for Pay Pal which will be on the side bar.

One other online budgeting idea is to buy a Visa or American Express Gift Card to do your shopping online. For a small fee you pay by purchasing these gift cards can save you big in interest dollars down the road while helping you stay within your budget. You can also recharge these cards so you do not have too many Gift Cards in your possession with small balances on them, or save the cards up with small balances and do something special for yourself. Just be careful and watch for expiration dates with these cards. They also can loose some value if you do not use them within a specified period of time. Any way you look at it, it is a great safe way to shop online, get great discounts and stay on budget. You can use the same idea for your regular shopping if you do not like to carry around a lot of cash. You can also use Gift Cards as a budgeting tool with many of the things you used to use a credit card for including on the telephone purchases. Lastly the best card to use is the Visa Gift Card. The Visa Gift Card is the most widely accepted with most purchases. However, the American Express Gift Cards are good if the Visa Gift Card is not available to you. You can get these cards at your Local Supermarket.

Now that we have some suggestions on how to shop online we would like to show you one more shopping solutions for now. This associate is called the UXcell Online Wholesale Outlet. When looking over this website we saw some great sale prices on the UXcell’s Website merchandize. Some of the savings at the UXcell Online Wholesale Outlet are up to forty five percent from the retail price on many items. The UXcell Online Wholesale Outlet has the potential of being a great website for you to shop for gifts with their warehouse direct low prices. The UXcell Online Wholesale Outlet accepts Pay Pal making your shopping experience easy.

Cleaning Up Your Financial Well Being

As we had said at the beginning of this entry we need to know where we have been to know where to go with you financial decisions in the future. To know where we have been means we should look over our credit past. There are tools you can use to do this yourself. As you look over your credit past have a pen and paper handy and take notes. You want to go through what is on your credit report and make sure there were not entries made on your credit report that did not actually happen by you or to you. These are call derogatory entries to your credit report. Derogatory entries are also put on your credit report when you have violated a credit policy such as being late on a payment and so on. My father,s and my name are similar and we have found things that have crossed on our credit reports. If there are derogatory entries you need to dispute them if you did not break the credit policy. This will help you with your recovery. Make sure there is no fraud activity going on in your credit profile ether. We will discuss this in some detail next week and how to combat some of these problems with your credit reports and score. We will have for you some sources of prevention and help to research and use. To check your credit report we have three sources we can suggest in credit monitoring. We offer three sources so you can choose a program you believe best suits you. All these sources are leading credit monitoring services and offer different programs. All these services alert you when there is activity in your credit report to help you monitor your progress and prevent future problems with your credit well being. The first is Credit Score .com which was one of the original credit monitoring services. The next is Free Credit Score .com probably the most widely known from their commercials but not affiliated with Free Credit Report .com. With the last being my FICO score .com, which is our last popular option. Look over the three and see what best suits your needs and sign up.

Here at Finding Financial Freedom we realize that this blog is not for everyone. In some ways this blog is back to basics financing. Back to basics is simple financing and if you are in financial crisis thinking simply offers a little comfort after dealing with debt collections and the complexity of a severe debt situation. What we want you to achieve is simple using some of the technology of today with some old time basic living and yesterday’s ideas in spending and saving. It is our wish to give you a bright financial future and hope you go back and read the past entries. If you are new to this blog please feel free to browse this blog and it will not be hard to catch up knowing this blog is a new blog that just started to post recently. With that thought it is comforting enough to know that there will be more Finding Financial Freedom to come so bookmark this blog address. We want you to come back time and time again for hints, products and services to strengthen your financial well being. We will be adding some interesting articles and videos in the future with more helpful hints in getting along while paying back your debt. The ideas are endless and it is to our contentment that we have sparked some hope for you and those around you.

Day by day becoming Financially Free seems like an uphill battle. Week by week it will start to get better for us, and month by month you will grow, prosper while being innovative with your finances. It takes a little time, a little patience, and a lot of discipline but as the time goes on you will see we can become Financially Free Together Forever!

A Promised Addition To Last Week’s Entry

For all our readers that are Job seeking we have found another source for you to find employment. This website is Job.com. At Job.com you can post your resume for free. Job.com also offers tips on tweaking your resume. Job.com is a great source for employment with over 850,000 jobs posted. We at Finding Financial Freedom hope that Job.com will help with your job seeking needs.

Making Ends Meet

2010-10-06T08:55:00.004-04:00

For many of us carrying debt is a part of life. Some of us manage our debt without over extending our limits. Many of us with the demands of this economy presently many of us will become over extended in our debt. Some of the latest statistics are saying that the average American is spending a dollar and ten cents for every dollar they are earning. In the past year or so there have been many laws passed to help consumers with mounting debt, counteracting many of the laws passed in the early 2000’s that favored the banking industry. The laws of the early 2000’s in today’s standards were not favorable to the consumer or small business. This has been proven by this current economy and has put many individuals in economic distress. We have briefly gone over some services, memberships and bankruptcy to help those who are in need of solutions. We have only just begun with all the work we still have to do in this blog. We have not even touched the surface of budgeting and cutting the fat out of your budget. This blog is about survival tactics without lashing back at individuals and staying close to those we care for.

If you are new to this blog it may be a good idea to go back and review the material in past entries. We know this blog is not for everyone, but for those survivors who want to deal with their debt problems and rebuild their lives bookmark this page. There is more Finding Financial Freedom to come. This week we are going to add credit-monitoring websites to our sidebar as well as one other source for bankruptcy lawyers. Rocket Lawyer a membership website where you can get legal advice and forms. Rocket Lawyer could be an inexpensive way to get the information you need to make a decision on any bankruptcy issue you may have. We are also going to add Just Ask. Just Ask is a website where you can ask any type of question and experts will give you answers. Just Ask is good for those individuals that are undecided and do not want to be influenced by a financial consultant or sales person.

Ideas To Get You Going

I want to take a moment to make an introduction to someone who is one of the innovators of online marketing. Our intent here is to give you some ideas on how you can start getting some cash together in your spare time. Bob Satchel has made money over the Internet for two decades. He is not one of those self proclaimed Internet Gurus. He has down to earth ideas and there are of seven hours of those ideas on video and audio in what Bob has to offer. There is also an e-Book that explains these ideas in more detail. Ideas as simple as placing the items around the house that are collecting dust and you don’t use in online free ads. Bob explains in detail the proper way to display your ads online to make them more attractive to buyers. Or ideas on getting started with eBay showing you the right way to auction and maximize what you make with those auctions. Bob also explains the best time to post your auction items with free websites to help you get the most from what you posted. All this is done in a down to earth manner to help you clear away some clutter and help you with the struggle with finances. It is as easy as turning on your digital camera, borrowing a digital camera, or having a friend as your photographer and downloading your pictures. That is only the beginning of all the ideas without the intimidation and fables of the Gurus. Bob calls his course Internet Riches Made Easy. I call it Working On the Internet Made More Realistic. It is worth the time and the money invested and you will get results as long as you know there is work involved. Bob and Internet Riches Made Easy makes working on the Internet seem easy when you know what you are doing. The Internet Riches Made Easy Audio (only) is Free for a short time. Look on the sidebar for Internet Riches Made Easy.

The next Idea we want you to see is freelance writing. In this website Go Freelance you can actually do writing jobs at home. Go Freelance also has job opportunities filling in forms. Go Freelance is a self-employment opportunity. If you have some talent writing or you are fast and accurate with a keyboard you may want to check into Go Freelance. According to Go Freelance there are thousands of writing and typing jobs in their network. Go Freelance is a membership website and they are currently offering a seven day free trial. I do not know how long the free trial will last so look into Go Freelance soon.

The other work from home offers are more sales than working on the Internet. Both are low cost to start. Both are single tier marketing and not multilevel marketing like most other marketing websites. The first one is a relatively new company it is called Natures First. Nature’s First is a diet and dietary supplement company. This can be done either on the Internet, with leads, with get-togethers, parties or whatever your skills and ideas are in sales. Nature’s First also offers free training over the phone. There are also sample specials which you can purchase with other marketing tools. The Start up cost with Nature’s First is low. You start by buying and trying one or two Nature’s First products. How you start depends on the package you choose. Once you choose a package by buying one or two products you will be given the website. Nature’s First e-mails you every Monday about the Monday night training calls. These training calls can be reviewed at any time if the Monday night call is not convenient for you. We want to remind you this is a young company and you can get started just by trying Nature’s First products at retail cost. Nature’s First also has a good compensation plan with down to earth ideas of income and marketing. Other than purchasing Nature’s First products there is no monthly Hosting Fee for your website..

The last idea we have for this week is My World Plus. My World Plus is free to look into. If you do sign up as a marketer it is fifty dollars with your first months membership fee of twenty dollars. If you just want to look into the savings plan that is twenty dollars and then decide whether you want to be a reprehensive or not. You can also just look at the program for free. The training is free. Again you have from five or six websites to choose from at all times with Banners and support with many different types of marketing schemes. You can start out marketing to your friends and neighbors, start clubs with My World Plus training calls every week to guide you. My World Plus is a discount merchandiser advertising products, restaurants with online discounts coupons with a My Word Plus Membership and discount card. My World Plus is referral membership. With each months membership you get over two hundred dollars in coupons with your membership being recognized by many retailers listed on the My Word Plus website. Remember you can look for free and then enroll. If My World Plus is not for you, you can cancel your subscription at any time. Lastly, just pay your monthly membership fee and you website hosting is included.

Please remember all these suggestions take work to be successful. Our intent is to give you extra income ideas. If you are unemployed and looking or a stay at home parent giving these ideas a little more effort is fine. There are individuals making money using online tools. However, until you get good at operating a online business and making a good positive income, Do Not Give Up Your Day Job! The Rewards will come later.

A Source For Job Seekers

Employment and marketing are not going to be the main theme here at Finding Financial Freedom, but we do realize many of you are struggling because a family member may not be working at this time to help with the family expenses. We also realize many of you have lost their jobs and are seeking employment to get back on your feet. We want you to help you find something suitable for you. We are now connected with Job Member Access Center a job placement website that looks to be for the higher management and professionals. From what we have read there are restaurant management, hospitality management, industrial management, professional and executive, positions open through Job Member Access Center. Unfortunately there are not skilled positions at Job Member Access Center. In the coming weeks we will be looking for a general employment websites for everyone. When we come in contact with one we will do a special posting.

As the weeks go on you will find that Finding Financial Freedom is dedicated to your future and how you can come to one place to help you with ideas from A to Z in solving financial problems. Some ideas will be back to basics and some innovative ideas to help you take the route you decide to successfully make your debt go away.

Next week we are going to briefly talk about credit monitoring. We will be going more in depth with credit monitoring the week of October 20th with credit repair. If you are just guessing your credit score you might be surprised that it may not be as bad as it seems. If there are problems with your credit report are or incorrect entries to your credit report you want to fix, we will provide sources that can help you with that. We are also going to get into online debt free shopping solutions. There are great values when shopping online the key is not to use a credit card. We are going to show you how you can pay cash online and save. You can pay for your purchases through your bank or a local office where you can pay cash. We want to do this early so the many of us with families do not have to sweat the Holiday Season while saving money and staying on budget. We are looking to help you solve your problems one day, one week, and one month at a time. So we all can become Financially Free Together Forever

Making The Tough Choices

2010-09-28T10:44:00.006-04:00

Sometimes it seems like such a struggle to get along carrying so much debt. At some point you have to realize you need just to sit down and analyze your situation. If you are new to this blog in the past entries we have set the groundwork to help you do this. This blog is new and it will not take to much time to catch up so going back to the first entries may be a good idea. As this blog goes on we are going to get to the specifics of the topics we have covered to date and we will be referring back to these pages you are reading now. We are also going to cover the A to Zs of getting back on your feet and living a debt free life. You may think I am going through these topics rather quickly, but knowing some people really need help and need it fast we wanted to get solutions out so they can be looked at and implemented as quickly as possible. Day to day you get frustrated by the runaround from the people in the financial industry that seem to have there own agendas in mind instead of offering you solutions. We want to bring solutions right to your computer screen so you can decide what is the best action for you. If an advisor is not willing to give you options how are you going to know you are taking the best route to recovery? In the last entry I had told you the route I took twelve years ago. While being satisfied with the help I received I thought the result could have been better considering the loyalty and the time spent paying back my debts. We all have to know this is going to be a long process and you have to be disciplined to get a good result. This is where I hope this blog can give you hope and comfort. We know this blog is not going to be for everyone, but for the ones that follow by reading and participating in this blog you are taking the first steps to solving your debt problems and should be congratulated for being honest with yourselves and taking action. You will find as this blog goes on a feeling of comfort as your debt disappears and you gain wealth instead of debt. For those of you that want to stay with this blog bookmark this page because there is going to be more Finding Financial Freedom to come.

Dealing With the Calls and the Mail

It was twelve years ago and sometimes it seems like yesterday when I was declared legally blind. For me as a heavy equipment operator I didn’t only loose a career that I enjoyed I lost my main source of income. It just wasn’t like I could just get a job anywhere. Landscaping and park construction was all I knew. My heart goes out to everyone that who has lost their jobs in this current economic decline, a physical condition or any other cause. I can recall what it was like when I could not pay my bills any longer. My saving grace was that my wife’s career was starting to blossom. I still cannot forget those original days after my regular work had ended. The phone calls and the mail made it seem like creditors were terrorizing us. It was unrelenting the mail and the phone calls. At that point knowing how to use a computer for me was something I had talked about instead of using as a source of convenience. So I proceeded to do all my research the old fashioned way in contacting help by phone and public transportation. You can only imagine how slow that process was. But the problem was dealing with debt was not the only thing I had to overcome. It was all the other problems associated with my glaucoma I had to deal with at the same time. There was no mercy from those creditors as they were determined to get payment. I can still remember my wife sitting up in bed in the middle of a dead sleep and shaking because of the constant pressure and what we were going to do about the debt problem. At that point I had contacted Consumer Credit Counseling after reading the ad on a bus going to a part-time job I had just gotten just a few weeks earlier. I was still dealing with creditors until the week before Christmas when finally my first payments made their way to my creditors from Consumer Credit Counseling. I had contacted Consumer Credit Counseling in early November and it took over a month and a half to stop the calls.

If you are going to deal with your debt yourself we can only suggest an e-Book called Stop Creditor Harassment. In Stop Creditor Harassment is information and form letters in a PDF format so you can fill out and send the letters necessary to your creditors to stop their overwhelming correspondence. You can find Stop the Creditor Harassment at help with -debt rights. Keep in mind as long as debt collectors know they have the right to call you they are. The longer it takes for you to quiet them the nastier they get. Forget the number on threatening them. The only thing to do is being nice, and take action. If you feel you can deal with the harassment hang in there but if you want some space to work out solutions Stop Creditor Harassment is a great source to start with. Put yourself in a position to protect your rights. The creditor and debt collectors have employees and lawyers protecting their rights you should do the same. Stop Creditor Harassment gives you what you need to deal with your creditors and your rights. Just remember after you file with your creditors to stop the unnecessary correspondence you only have a short time to implement a payment plan, settle your debt, or hire a lawyer and file for bankruptcy. Even if you consult a lawyer you have as fast as the lawyer works to file your paper work to quiet the debt collectors so you may want to start ahead of your counsel and give yourself some peace of mind.

Contemplating Bankruptcy

Some people believe that filing for bankruptcy is a quick bailout. The process only happens as fast as you can get your case into Civil Court. Usually three to six months. In the mean time you have constant reminders from your creditors to settle your debt. Even after bankruptcy you have constant reminders when you go to apply for credit. It may be obtainable but at what cost? This process goes on for ten years and if you have financial difficulties within those ten years you cannot file for bankruptcy in the ten years from the date of your bankruptcy. If you straighten out your credit and pay on time it takes seven years to get your credit back into acceptable shape. if you work your credit solutions out with your creditors yourself. However, your credit score and report improve by each month you pay on time without default. Right now it may seem like a harder course to take but you will get better results faster if you can avoid bankruptcy. If there is any way possible for you to pay back your debts without bankruptcy no matter what any one tells you, you will save yourself years of possible agony. With bankruptcy you will not get a good rating after the ten years are up. You still may have to work on your credit rating for some time to get your credit rating from fair to good adding more time to your total recovery.

I have seen instances where bankruptcy has helped people but for me that was only birds eye views of what a family member and a friend went through. With a family member, and sometimes you know how that goes, you only get the parts of the story that they want you to hear. What happened with my friend was back in the early nineteen eighties, after he was laid off from a local tire plant. In both cases their lawyers advised them of one thing. No matter what else you default on do not fall behind in your mortgage payments. As a result both families got to stay in their residence and they got to keep their homes. When you file for bankruptcy there are three different chapters or laws commonly used to file under that basically tells you which of your possessions you can keep and what becomes part of a settlement. Forget the high dollar imported automobile as it will go with the bankruptcy so get ready to drive a regular used car as just an example of what may be the first things that will be seized. How you file depends a lot on your personal or business status. Another thing to keep in mind there are the three different ways to file but there are two types of bankruptcy, which are voluntary and involuntary. Involuntary is when creditors call for your assets in Civil Court and at that point a judgment is rendered against you. You want to avoid this at all costs because all your property is in jeopardy. Voluntary is where you have the most control over your assets, leaving you in better control of the results of any judgments. We will go on more about that in the future. In the mean time it is best for you to speak with a lawyer about what your bankruptcy options are. In help with – debt rights we have the forms to file for bankruptcy yourself however this is one instance that we may insist you consult a lawyer and not try to handle a bankruptcy on your own.

If you have been with this blog for the few weeks this blog has been making steady entries you know that a lawyer is going to want you to get your paper work together. It may be a good idea to revert back to Getting Started portion of this blog for help. If the law firm you choose hires an accountant for you this can get very expensive. You may not have to pay your creditors but you will have to pay the lawyer so keep that in mind when preparing for your visit to the lawyer. Also do not get upset when he or she asks you to reference and give him or her more information. I say this because it can get a little more personal than is comfortable for you. Just work with your lawyer and be patient. I know this from a different situation I was in dealing with my disability coverage recently. For those of you that have your paperwork together try to find someone to recommend to you a good lawyer. Referrals on lawyers seem to be the best and may leave you in the most comfortable position to take action. Finding a lawyer can be exhausting. You can look through the phone book or Legal Match can help you. Legal Match is a multiple-listing website that will help you get in touch with a lawyer in your area to help you with your specific needs by filing out a form. You will find Legal Match in help with - debt rights. For all you that have a busy schedule this may be a good option. Just make sure no matter what you do, you do not settle for second best and be comfortable with who you use. More on bankruptcy later, as we get more information I will post it on this blog as a special entry.

Next week we are going to talk about how we can shop online with a few online shopping solutions. With the Holidays coming, and with the season of hope we want to give to you solutions for hope. Also for people that are short on cash we are going to look at an e-Book video and audio to help you raise some cash to deal with many of the problems you are facing. You will be surprised on what you can do to start raising some money and you can start right from home by starting small. All with little or no money down and I am going to repeat no money down. Noting works like cash when you are in need.

Keep in mind if you can do it yourself or if you need some help it is here in this blog for you. Just stay disciplined and confident, and let’s all become Financially Free Together Forever.

A Promised Update To This Entry

We found Better Bankruptcy as a significant source for more bankruptcy information. As you go through this website Better Bankruptcy has different articles about themselves and the different types of bankruptcy. Better Bankruptcy also keynotes some of the signs in which you should contemplate bankruptcy. We here at Finding Financial Freedom will support any decision you should make only you know your situation. However, we at Finding Financial Freedom still urge you to look at all the options before declaring bankruptcy. Ten years can be a real life changing challenge and there are many alternatives in the entries, on the sidebar and at help with – debt rights. We will still be here for you to help you with other services, suggestions and solutions here at Find Financial Freedom no matter what course you take.

Finding Help

2010-09-21T20:46:00.004-04:00

If you are new to this blog you may want to go back to the beginning and catch up. Since this is a new blog itself catching up will not take that much time. As we go on I will remind everyone that this Blog is a guide to services and not one professional wanting you to look only into one service. For some of you may just want to clear up some nagging debt, while others may have a serious debt situation. The only reference point I want to bring up is that this blog contains referenced material to help you come to an educated decision with more than one option. There is no easier way to this than to bring the information to you in one place.

Thirteen years ago after starting a small contracting firm I was falling into debt after having problems getting paid from contractors I had completed work for. I should have known that working for contractors was a slow pay industry and they were borrowing the money from me instead of a bank. At first this was great money but it was seasonal work. Between the seasonal work, start up costs every year and the slow pay the good money eventually turned to debt and after a while it was not even a living anymore, while making it a struggle to pay all the bills that came due. To finalize everything when I had turned forty I was diagnosed with Glaucoma, and twenty days later I was declared legally blind. At that point I knew I would never drive a car let alone a truck or operate equipment again. With the help of a friend I liquidated my equipment but I still could not pay off a large some of the unsecured debt and all I had was a part time job. The part time job was all I could keep if I was to receive disability. I was declared legally blind in October twelve years ago, and my disability benefits did not start until the following April.

At this point I had contacted Consumer Credit Counseling. We worked out my budget and the counselor had determined it would be impossible for me to pay the payments they had set for me. Then I explained that my wife was working and we had worked on our own budget and shown the counselor a copy of the budget. With the Counselors figures we came down with a different determination and I had managed to get into the program.

You can easily see with my situation, how you may have gotten into your situation. We all have good intents of repaying the money but circumstances can alter your plans. This does not mean you are a dead beat or any other thought a debt collector may have. But you have to accept the fact that you signed a contract and that is where they have you when you cannot fulfill the obligation. What we all have to take home from my situation is that situation could have been avoided by better use of unsecured credit. The bottom line is that no matter what credit you use, you have to follow a plan to pay back your debt and stick to it. You will always in one way or another be held accountable for what you borrowed. It took me a little less than five years but I did pay the debt back with the help of Consumer Credit Counseling.

You would expect after completing my obligation to endorse Consumer Credit Counseling. It may work for you but this is where you have to decide. When I started with Consumer Credit Counseling it was a free service all I had to do is send the payment. The payment had to be a cashier’s check or a money order only they did not accept automatic payments or debit cards. That did not seem to be a big obstacle; however by the time I completed my payments Consumer Credit Counseling had added a processing fee to my payments. They also say they are not for profit. However, that doesn’t mean they don’t have expenses they have to pay. This just means they have pay their expenses like office space, stationary, advertising, employees and the executives. When you figure the costs in operating anything even a nonprofit agency, you still need to look at your options to make sure you are doing what is right for you. Just because Consumer Credit Counseling is nonprofit does not mean they have the best product or service for you. The last issue I would like to bring up about Consumer Credit Counseling is, for almost five years I had paid every payment on time and the credit rating I had was only a fair credit rating because I had used that service according to the Credit Bureaus. I thought I should have gotten a better rating for being faithful to the obligation. However if you feel you can’t afford or do not want to pay upfront fees for help this could be a good resource for help. You will pay a fee for processing your payment as you go and that may end up more expensive than paying an upfront fee.

There are companies out there that specialize in debt management, credit repair, loan modification, and mortgage solutions. It is not a bad idea to look into these companies. For more information go to help with - debt rights and you will find the companies we endorse. D W Scott Financial is a company with debt and insurance resources as well as investments and financial planning. D W Scott Financial also has a very comprehensive website with good information about them as a company and how they can help you. MACs is another source to look into. MACs stands for Mortgage and Credit Solutions. In this site you can find different programs to help you with your Mortgage and Credit Solutions. As an extra feature in the MACs website there are other programs to help you rebuild your life as well as your credit report and credit score. Both programs are well worth your time in checking into. There is a third company and they offer just debt relief. Without all the bells and whistles of the other two debt settlement companies just to keep it simple Empire Debt Relief may be another option. There is one point we need you to remember, Empire Debt Relief only settles credit card debt. Lets face it dealing with debt is agonizing and keeping it simple with Empire Debt Relief may be right for you at this time. All three services have free consultations.

Now saving the best for last in our research we stumbled over this gem that we believe will work best for those of you that have a debt issue instead of a debt problem. This program, which is an online debt service that helps you personally settle your debt. Debt Goal is more of a membership site that helps you settle your debt faster without affecting your credit rating. They do this by making your money work to your advantage in paying down your debt. Debt Goal is true do it yourself debt management. To me Debt Goal is as good of a product as the Debt To Wealth Series or would work well with other debt management e-books and credit repair services, in helping you rebuild your credit score faster. Self-management means that you can leave an emergency credit line open while you are paying off your debt. Just remember that is an emergency account only or you are defeating your own cause! All these e-Books, services, and memberships are offered in help with - debt rights.

Before we end this entry, it is Important to remember as you do your research you have to figure in all the factors in your situation. How it will affect your credit score and report? And what will it take to get my credit score and report back to acceptable once I have taken action? You have to consider that almost anything you do these days is dependent of your credit rating and report even when it comes to your career or in some instances auto insurance and other services you may need. Unfortunately you could be misjudged in getting a job, the job you may want or be qualified for with a bad credit rating and report. The most non-evasive way to deal with your debt is if you can settle your debt yourself. That is why I strongly recommend The Debt to Wealth Series, The Debt Solution and /or Debt Goal. If you have a good credit score and you are not overwhelmed by debt these might be the best solutions for you. There are other helpful e-Books in help with - debt rights look though the ads and see which may suit you. If you have a good credit score you may just want to seek a debt consolidation loan first. It can’t hurt and you may be surprised with a good result. America One maybe a good source you can check into for a debt consolidation loan. America One is a multy listing financing source. If you are just plain overwhelmed with a falling credit score some kind of debt settlement may be in order. If you have the threat of wage garnishment and so on, bankruptcy may be your only way out. Bankruptcy should always be your last option and we will talk about that next week.

In the next blog we will be looking at harassing phone calls and mail and how to deal with the issue. We will also get into bankruptcy the pros and the cons. As this blog builds we will also talk specifically, blog by blog on the different ways to pay off your debt along with the A to Zs about getting back on your feet. Lastly to get a credit report and monitor your credit scores you can go to Free Credit Score or My FICO Score available in help with - debt rights. With a little research and if you need it some help, you will see we can become Financially FreeTogether Forever.

Getting Started

2010-09-14T14:57:00.004-04:00

As you go through all the upcoming information in this blog, I want you to know the format is going to be on the real human side (Lower Income, Blue Collar, Middle Management, or Middle Class) of debt and its effects. Professionals whether legal or financial are welcome to follow however, this blog will always stay in a format that everyone can understand. Professional terms will not go unexplained as they would in a courtroom or discussed by other professionals. I firmly believe that people should be led into a competent decision that can only come from exposure to multiple resources.

I have seen the ads, I have read the emails, I have gotten the phone calls, and it has sent my head spinning at the amount of professionals and services trying to get my attention. Consider this blog a safe haven if you have some serious financial problems. If people do not have other information that they can compare, how is anyone able to make a competent decision about their financial future? You can seek advice, but you and only you should make that final decision. Your financial future should be up to you not a lawyer or a sales person that has their interests in mind by influencing your decision. I also believe that those individuals will still have plenty of work from educated or well-informed individuals that are seeking their help, and the dishonest ones exposed. When people are desperate the vultures sure know how to lurk. We also want to make sure people are protected against scams. Be extremely careful of phone calls inquiring about your debt and interest reduction offers. Especially credit card interest reduction where they ask for money on the spot. You do not want to enter into anything without negotiating and a signed contract or agreement that you are confident with.

With all that said, lets get started. The first thing you have to do is get all your financial statements together. Separate all your statements into categories. Bank Statements, Mortgage Statements, Installment Loan Statements, Credit Card Statements, and so on. Do not forget any odd local taxes this always seems to come into play along the line. Get only statements from the last three months or more to make sure you cover everything. List monthly, your monthly income, your household expenses, your living expenses, your travel expenses and your debt. Do this for the past three to six months.

Now this is where the rubber meets the road! The Dept Solution is a reasonable download you can use as a guide, or I have one that is highly recommended. It’s The Debt to Wealth System. You have probably heard The Dept To Wealth System advertised on the radio or television. In this series of downloads is a series of seminars. You can view them or listen to the over and over. John gets right to the point of the problem with this informative, and entertaining series of downloads. There is also an easy to use workbook to get all your financial information together. If you already have The Debt to Wealth downloads refer back to them as they are very helpful. If you do not have a copy of either The Debt Solution Or The Dept To Wealth System you can get them at helpwith-deptrights.

The Debt Solution is written by Brandon Schmidt who is Canadian and if there is a concern that the financial system is different than here in the US, but the concept is the same.The Debt to Wealth System written by John Cuummuta. John’s debt solving skills are concrete. However, These downloads may not be for everyone so there are more offered in helpwith-debtrights. What we are trying to do is get you to where you stand financially in hopes of giving you direction and start lifting your spirits. You also have to be able to figure out whether you have the ability to pay the debt. Not even John or Brandon can do that for you. John had the ability to pay you may not. Not having the ability to pay is not the end of the world. We are going to start talking about direction in the next blog. If you are having problems with excessive phone calls go to the Stop Creditor Harassment Guaranteed ad click on it and get if you believe it will help, offered in helpwith-debtrights. We will talk about the calls in the next blog briefly and then in more depth in the future. We are also going to talk in future blogs about the unemployed, how to get some liquid cash together for necessities and to pay down debt, with many ideas from A to Z to help make us Financially Free Together Forever!

Introduction

2010-07-27T09:53:00.001-04:00

You would expect me to begin this blog by bashing our financial system and financial institutions. This will not be the case. I am not going to take the time to bash the educational system. That is up to educational institutions to make financial management a priority course for every student. I do not even believe that our parents were at fault. If they were not instructed by their parents the right financial techniques, how are they going to teach you strong financial skills. However, I do believe that debt is a real social problem that needs to be addressed. Debt is a major factor in stress, depression, failure of relationships, divorce, and even suicide. I did not even mention all the addictions that can be attributed to the stress of debt. The truth is the latest statistic say that up to seventy percent of American Families will be seeking financial help in the next five years. That’s not to mention the current economic condition.

Now that I got you through the shock wave, let us look at the problem. When we were younger, our parents and teachers used to talk about how bad it was to fall in debt and go bankrupt. Your parents or teachers only instilled the fear of bankruptcy but did not guide you properly in how to manage you money. Teaching these values is a process that takes time to instill in anyone, and it just does not happen over night. This is most likely the reason why you are reading this information now. Reading this information is a wonderful thing. Why? It is now my passion to help as many people get on track as I possibly can. I do not want to waste your time in bashing the system I prefer taking the time to guide you through your dilemma, if one exists. For some of you, who do not have a serious debt problem, just think of this as a start in building a terrific future of being debt free and building true wealth. I just want you to be put in the right position, and the rest will be up to you. You will find many resources as this blog continues. Unlike one-sided sales professional with this blog you will gain the knowledge and the resources to help you keep from stumbling on your way to financial recovery.

I am sure your first question is how am I going to do this? The answer is that I am not the one that is going to teach you. Other professionals are. My job is only going to be to suggest and guide you. There are other resources that can help you and I am going to guide you to them. Some are going to be low cost, some are going to be little or no money out of pocket (if you need professional services), and some going to be free as in free reports and video. You will be in control of becoming debt free and it will be interesting, enjoyable, rewarding, with the content constantly updating.

Now you say what makes me an authority on debt? Certainly not a degree! I am just like you, except I have successfully paid off all my unsecured debt before. How did I do this? I went to seek counseling and did it without going bankrupt. It takes time patients, discipline determination, and dedication. Since I have gone the process before I want the job coaching you because I am in the process of doing it again. You will not feel alone during this process. Yes, we together, will change our financial future!

Do you remember that real estate crunch of 2007? That Real Estate Crunch is now firmly planted in many of our minds. Yes, I was in that crunch financially. After paying off all that debt in hopes of becoming an investor I used resources that now I have to pay back. Then I had a problem with my disability being denied because of a mistake an Investigator made in my case. This happened after being disabled for eleven years they wanted all their money back. Between the lawyer’s fees and all the unsecured debt I used, I am back in my debt dilemma and now I am in the process of paying back all that debt over again. That is why I say we can do this together. You will eventually see why I am to blame for my dilemma because I want you to see my trap in taking on debt did for me, so it does not happen to you. It is the question of good debt vs. bad dept. Again. this is why I say we can do this together. Which brings me to the reason I chose a blog format instead of a regular website. You can be a part of the process by commenting and being involved. That is where this process will become interesting and I hope entertaining. So, find and click on the keywords, phrases, and banners get the products and services you believe that best suits you. Everybody’s financial standing and situation is different. Finally let me do some of the research to guide you, let others show you the way, and let’s become “Financially Free Together Forever.”

First Steps To Financial Freedom

2010-07-22T16:07:00.010-04:00

Relax and take one moment to think of where you want to be ten years from now. Will you be peaceful and happy? Will you be free from debt or will you be bogged down with financial obligations?

Hi,

I am Blaine Scott, and in the picture with me is my granddaughter Stella.

I know ten years from now I will be helping her Dad chase the boys away and I will be Debt Free while building my wealth to help take care of my family for generations to come. Can you say the same thing?
No matter what your age financial planning is essential. You are never too young to start. You don’t want to say I will do it tomorrow because you may be to old to become debt free before you know it. Please join me as we go step by step in solving our bad financial habits and replacing them with good financial habits through online seminars, reading materials, professional services, fun interesting videos, and sharing ideas. So read through the introduction and let’s become Financially Free Forever Together!