Author: Chaz

My debts are crushing me.

Do I have to live with my debts.

Do you get the feeling that you have heard this statement before, I have not only heard it but experienced it firsthand at a few stages of my life.
If this is something that has been pulling you down lately, then you are not alone.

When you hear of bank foreclosures all the time, but they would be more prominent when interest rates rise. People are more likely to afford to buy a house when the interest rates are low.
They buy because at those low rates because at this stage they can afford to handle the payments, but in some cases some people don’t plan for what might happen if rates rise considerably.

If things happen fairly quickly in the first few years of the loan, they can find themselves in a situation where they are not even covering the interest and the bank might come calling.

The income you provide for     family can determine where you live, the school your children attend, the clothes they wear, Weather you take family holidays or not.

Gifts they may share with each other, Christmas, Birthday’s and other special; times, , The Car the family drives, The medical attention or dental treatment that the family may need, most likely on the spur of the moment.

There are so many things that can restrict a families lifestyle,  A father buys a cheap baby seat for his child in the car but can’t afford one that is safety approved because he can’t afford it.

Skimping  on car repairs or scheduled servicing, even Tyre replacement which puts the family at risk.

Where do we stop!

Don’t ever think that you are always restricted to a certain amount of income for a set amount of time.  I know!  You are working for a boss, and he sets the rules, and the pay.

Don’t ever say! You don’t deserve to be at the higher steps of life.  You are now at the height level of your own making.

If you are financially strapped then, you are the one who eventually has changed your situation.
You can’t just sit back and watch the next few months go bye and keep saying to yourself, It’s Happening! I’m going to go broke!

Set some goals,  get Motivated,   Change your financial situation you can do it!

Start right now!

Here’s your Motivation!

http://www.wealthyaffiliate.com?a_aid=d839f3c1

Do it for the family.

Family Benefits.

You are ultimately the one in charge of your own life, what you make of your life is up to you. Each step you take in life is a decision that you yourself make. Nobody else can make you move unless you allow them to.

It is ultimately your decision to either hold yourself back in life, or run ahead and accomplish all the wonderful, amazing opportunities that you want to accomplish in your life.

Your choices or theirs

Do you go with your own decisions or do you usually go with the crowd. I love walking and I find that you can discover many interesting places when you take the least worn path.

You may find new obstacles that you have to negotiate to be able to continue on the track, you may enjoy putting your body to the test and eventually you find your way to the end of the track.

The benefits you receive are knowing that you have succeeded and know that all the effort you had put into it was all worthwhile.

Go! Go! Go!. 

it is always very enjoyable to be there and watch the reaction of someone who has just passed the finish line of a race in first place, the exhilaration on show as they realize that all their effort has paid off.

Most likely we were not there when they were struggling up hill at one point in the race, when in their mind the obstacles of negative thought crept in and they were not feeling very positive about their position in the race at all at that time.

Where to start.

We all want to succeed as a family and that means financially as well, so the planning and goal setting are much the same, there is a starting line, and a finish line.

There are always obstacles that we have to negotiate around, or we may decide to go strait through like a bull at a gate.

It would be unrealistic to say that it is possible to find a race, a plan, or any sort of goal that has to be accomplished that have no obstacles between the start and finish line.
Obstacles could be competition, Not knowing the trail that you are competing on, your health, your shoes, we could go on and on, and on.

Encouragement.

Your Family can be a great incentive and encouragement to make something special happen like helping you to change your work circumstances or change your work completely.

You may be working long hours with little pay and want to try an online business working only two maybe three hours a day. I know what I would prefer.

A family unit has to rely on the breadwinner or breadwinners who are in some instances constantly maneuvering finances to help keep afloat.  They may be working four or five jobs between them, all short hours and with very minimal pay.

Even with these incomes they still fall short of their financial maintenance goals, they may have a very nice home which they bought through a large loan at very low rates which they could handle very easily at the time.
Now a few years later interest rates have gone up substantially and they are now paying much more than the monthly payments that they started the loan with.

Turning the grindstone.

Are we constantly going to stay in these situations and continue working ourselves to death and still not winning the battle.

We all enjoy our successes, even when you think they may be few.