Powerful Practices to Stay Centered & Help Bring Sanity to the World! What The Bleep Is Going On?

Amid the acrimony and violence in our world, it can be difficult — some days almost impossible — to find a calm center in the storm.

But the good news is that this calm… this peace… hasn’t actually gone anywhere.
It’s still present within you. You just may need powerful tools to get reconnected and stay connected with it.

That’s why I’m encouraging you to join me for a free online event with peacebuilding and social change activists Philip Hellmich and Emily Hine.

You can register here for What The Bleep Is Going On? 

Emily and Philip know from deep personal experience that in times of great discord, it’s essential that we deepen personal transformational practices… Read More>>>

How to Live Debt Free Forever...

Today more people than ever are confused about their rights when it comes to debt.

What do the new bankruptcy laws really say? 

Can I avoid filing bankruptcy? 

If I do file will there be a stigma attached and will that make getting new credit impossible for seven years or longer? 

And perhaps most pressing of all, how can I get the calls to stop and reclaim my life and peace? 

These are good and important questions. There is simply more debt in today’s world than ever before, and with the cost of good rising, there is likely to be even more debt in the future.

The bad news about debt is this. If you pay monthly minimums it will take 20 to 30 years (or more!) in order to get debt free. But hold on, because there is very good news indeed.

The good news is this – you can control debt instead of having it control you. You can make the calls stop, establish repayment terms that are favorable to you (and not the bank) and more. In fact, today’s laws protect you – the consumer – more than ever before.

Even better, you can fashion a solution that lets you make one payment (much easier to manage), lowers the interest you pay (which means things get paid off faster) and does not ruin your credit score.

So let’s look together at five ways you can get out of debt, get back in control and experience the peace and joy that being debt-free can produce. 

Step 1 – Stop borrowing. The secret here is simple ... you do *not* need another loan! You need a way out. And the best way out is to work with a company who will guide you through the process.

Such companies have deep experience that can be invaluable to you during the process of getting out of debt. The odds are that these companies have worked with people in your specific situation, and worse.

Step 2 – Lower interest rates. For this step you will need an ally, an advocate who has clout with lenders and can negotiate on your behalf. Going it alone against giant banks and lending companies is not advised.

The good news here is that banks and lending companies are very responsive when you are represented by well-established credit counseling companies. These companies can often get dramatic and permanent reductions in the interest you are charged. That’s important, because when less of your payment goes to wasted interest, more goes to reducing your overall balance.

Step 3 – Get the calls to stop. This can be a tricky step if you go it alone. Bill collectors are notorious for their persistence and aggressive tactics. Telling them you want them to stop calling is often like waving the proverbial red flag in front of a bull – it only makes things worse.

What will get the calls to stop is having a specific plan. If you use a counseling service you are in for a treat as you get to tell unwanted callers that they can now call someone else!

Soon, your phone will no longer ring and going to the mailbox will be a treat, not a chore. And that means more peace of mind for you and your family.

Step 4 – Begin rebuilding your credit. Although it may not feel this way now, there will be a day when you can use credit again. Once you have tamed the credit monster you will never again fear losing control of your life or your peace to debtors. You will have a plan and be able to remain free.

If you choose to work with a counseling company you can look to them for advice in this area. They will counsel you about when to establish new accounts, the type of accounts that are safe for you, the type of situations where using credit makes sense and more.

No matter how you do it – whether you go it alone or use a credit counseling service – you will experience a level of peace and control that you might not know think is possible once you have a plan and are making that plan a reality.

Very soon, your phone will become your friend again and you will never have to worry about a knock on the door or a letter that the postman delivers to you personally.

You will be in control. You will be learning skills that will last a lifetime. You will actually be able to help others who are in the situation you used to be in! You will be free.

And free is a beautiful place to be!

Author : Neil Melvin

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Will DEBT Prevent You from Preparing for the Economic Crash?

How to Climb Out of Debt and Prepare For Collapse?

Will DEBT Prevent You from Preparing for the Economic Crash?

Some forms of debt are like shackles on your wrists, keeping you from taking needed action.

We want to share a story of how one EVG member fixed his credit and lowered his debt burden - freeing himself to start taking action on other EVG strategies before the economic collapse hits us.

Click here to find out how:

Surviving On A Single Income...

What ever happened to the single income family?

It died that’s what happened. For the majority of American families it’s just not feasible. This is very unfortunate that it’s pretty much a necessity to have two incomes coming into the household. Unless you are making a nice six figure income.

Well I am one of the lucky families that are managing to be a single income household, and before you ask. No I do not make a nice six figure income. The only way I make a six figure income is if you start counting decimal places. I do make a pretty good living, but it doesn’t allow my family any great luxuries. I’m married and have two children, and I‘m very grateful that we are able to keep my wife home with the kids. Let’s see the house is nothing special maybe 1200 square feet three small bedrooms and one bathroom. Did I mention I live in Connecticut? Which lets just say isn’t the cheapest state to live in.

I sometimes wonder how my wife and I are able to pull this single income household off. We are not financial wizards we don’t have our families subsidizing us. We just try to live within our means. This seems to be an alien concept to most of American now days. We had to prioritize what was most important to the household and that’s how the money would be spent. There isn’t much of a budget for frivolous spending anymore. I’d like to have that part of the budget back as much as the next guy, but it’s just not happening. Let’s see some of the ways we try and save money.

Like I said we are not financial advisors or anything of the sort just regular people trying to make ends meet. So here are a few of our techniques we use. I’m sure these will probably be redundant as you’ve all heard of these before. The problem is people don’t use them. I believe the reason that most people don’t use these available options is because of pride. Pride can be a very positive thing when it allows you strength to overcome obstacles you might face. On the other hand you can be blinded by pride, and not ask for help when you need it, or not take some of the options available to you because you are too proud.

Lunch: Bringing you lunch to work. This one has been huge for us. I try and bring my lunch to work everyday. Once in awhile I’ll treat myself and buy lunch. I used to buy lunch everyday and maybe a coffee in the morning. It was costing me at least $10 a day.

You might be saying that doesn’t sound like much. It doesn’t when it’s one day but it works out to roughly $200 a month that’s a lot of money. So needless to say bringing your lunch to work can be a great way to save a decent amount of money.

Wholesale Clubs: While these can be a big help you need to really check the prices as some of the items might actually be cheaper in your local grocery store. My family uses these clubs and they can be a great help. I’m just saying to investigate the price per unit as it might be cheaper else where. Sometimes you just don’t need 15lbs of ketchup.

Groceries: Use coupons! They work I know in my younger days I’d be to proud to use them. Not anymore. You don’t always have to buy the brand name product. A lot of the time the generic is just as good. Sometimes it’s not close, but you’ll just have to experiment.

Clothes/Shoes: If you insist that your kids have to wear all name brand high end clothes look outside of the department stores. Especially if your kids are young they’re going to outgrow the clothes and shoes in a week. Try Ebay you can find tons of clothes if you know what you’re looking for. I must say my wife has been doing this for years now and has pretty much clothed our kids for nothing. Other sites like ours help people to find Deals On Infant & Toddler Clothes also try second hand stores. I guarantee with a little looking you’ll find some very nice clothing whether it comes from a thrift or consignment store.

Baby Food/Diapers: These are incredible expenses go to the company of your choices website and sign up for their mailing list or coupon list. We receive a few five dollar coupons a month and every little bit helps.

I wish you all the best. Even if you aren’t able to be a single income family hopefully a few of these tips will help out. Just don’t be to proud to use some of the tips.

Author: ryanpbf 

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