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Getting into debt is an ugly and often unexpected experience. One day you’re coasting along, managing fine with your finances, and then one unexpected expense puts you over the edge. To avoid this problem, look at your spending patterns. If you see any signs that you’re walking a financial tightrope, consider tightening your belt a little.
If you find that you’re already over the brink, consider getting credit counselling services from experienced specialists: www.4pillarsvi.ca/
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Wishing you better sleep, peaceful meditations before sleep and inspired living. Join me for my FREE Masterclass and calm your mind and improve your sleep. https://www.jasonstephenson.net/lp/esf-masterclass/?utm_source=youtube-jason-stephenson-sleep-meditation-music-video-description&utm_medium=social&utm_campaign=esf-masterclass-landing-page
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This work is not intended to substitute for professional medical or counselling advice. If you suffer from a physical or mental illness, please always seek professional help.
For professional online therapy. I recommend trained counsellors from “Better Help”: https://goo.gl/dhdU3k (Please note: I do not work for these guys. I am an affiliate. (Plans start at $35.00 per week.) I have suggested many people to them and from all reports, they match the best counsellor with the client. All therapists are PROFESSIONAL COUNSELLORS. ) Being transparent to you, if you sign up with them, I am offered a small percentage of the fee – however, please be assured, I am only recommending them due to their worthiness and the feedback I have received from my subscribers.
DO NOT DRIVE OR OPERATE MACHINERY WHILST LISTENING TO SLEEP MEDITATION MUSIC, BINAURAL BEATS OR GUIDED SLEEP RELAXATIONS.
Manifest WEALTH While You SLEEP
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In this audio, you will be guided down into sleep where you will be manifesting and attracting wealth into your life. We live in a world where money and becoming wealthy is seen in such a negative light. We have been trained to believe that “money is the root of all evil” that the rich people in the world are all just cocky snobs that don’t deserve their wealth. You have to be born into money or just be lucky enough to hit some kind of jackpot. How often have you heard that “money doesn’t grow on trees” or you need a good education and a steady safe job working 40+ hours a week. These sayings do come from good intentions and are meant to help us, but they also come from a state of fear and lack, which will only bring you more fear and lack. These so called words of wisdom have only trained your mind to settle for less, play it safe, and it has closed off your mind to the limitless opportunities out there. You have been trained to believe we live in a world of lack and limitation, and the beliefs you have in your mind will always create the world around you. So when you continue to believe these limiting beliefs, you will continue to live this poor life, only dreaming and wishing you had more to enjoy with your loved ones.
This meditation will re-train your mind, remove those negative beliefs, and replace them with the wisdom and truth of the universe. The truth that you truly are a limitless being and have the ability to manifest whatever you want. The understanding that this world is full of abundance.
PREVIOUS VIDEOS:
Beginner’s Guided Meditation: https://www.youtube.com/watch?v=_29uTyLaPxM
Manifest Meditation: https://www.youtube.com/watch?v=bdaFBuM1-8Y
Sleep Meditation: https://www.youtube.com/watch?v=L7CU2Ka3XX8
Lose Weight Meditation: https://www.youtube.com/watch?v=IYVfLvZfjQg
Stress Relief Meditation: https://www.youtube.com/watch?v=rj3CZNqDK7E
WEBSITE:
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Debt free Friday Background: I make weekly debt payments. I do this for a variety of reasons, like: saving money on interest, being motivated by seeing progress weekly and being less tempted to spend that excess money we have at the end of the week.
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??FAQS??
What’s your name? Amy
How old are you? I am 29, my husband is 34
What degrees do you have? BBA and Masters of Science in HR&Labor Relations
What was your starting debt? $132,404
Please note: I am not a finance professional and just want to share my journey openly and honestly. This is only my experience and not intended to give financial or legal advice.
FTC: this video is not sponsored. Some links I provide are affiliate links that help support my channel. If you’d like to support me, I appreciate it so much! Thank you!
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Getting out of debt can feel overwhelming. The first step is to organize yourself so that you can plan out exactly how to get yourself to financial stability. Lauren Lyons Cole, a certified financial planner and senior editor at Business Insider, explains the first steps you should take to attack your debt.
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Following is a transcript of the video:
Lauren Lyons Cole: My name is Lauren Lyons Cole. I’m a certified financial planner and a senior editor here at Business Insider.
I’ve helped a lot of clients get out of debt, and it’s actually a lot of easier than it seems when you’re staring at a pile of credit-card debt or student loans that you just don’t know how to get ahead of.
The first step to take is to get organized. That’s the part that a lot of people are afraid to tackle. So take a Saturday morning, make yourself a really nice brunch, and make a list of all of the different debts that you need to pay off. What I mean by that is, make a list of exactly how much you owe to each different place. So if you have a Visa that you owe $2,000 to, put that first on the list. You also need to know your interest rate, the minimum payment, and the due date for that debt. Keep doing that for all the different things you’re trying to pay off. That way you can prioritize which debts you want to tackle first.
Once you can see a full picture of everything you owe, you can create a plan. But before you create a plan, it’s important to take a step back. There are a few things that you have to be aware of. No. 1, be realistic when you are creating the plan. You don’t want to set yourself up to fail. Paying off debt can take a long time. Two years, three years, even longer. So this isn’t something you’re going to fix overnight. And that’s OK.
The other important thing to be aware of, though, is that this is temporary. We are not talking about forever. So any sort of lifestyle adjustments that you make now to pay off your debt will eventually end. And you absolutely can pay it off. I’ve seen so many people do it.
To tackle your debt, at the bare minimum you have to make all of your minimum payments on time. That’s very important for your credit score. So you can set up automatic payments to make sure those payments will go out on time and in full. Obviously, you’ll have to pay more than the minimum payment to put a dent in your debt. But exactly how much will vary from person to person, and it could even vary from month to month. A good rule of thumb is to aim to pay double your minimum payment to any of your debts. That might be hard in some cases. So even paying $20 or $50 more can speed up the process of getting out of debt.
I’ve had luck with clients who have paid the debt that had the highest interest rate first. Some people would recommend paying the smallest debt first. So if that works better for you, great. The point is to gain momentum so that you begin to see your debt balance decrease. It might take a little trial and error to see which one works best for you.
The hardest part about paying down debt is that it really does require a lifestyle change. Again, it’s just temporary, but you’ll have to cut back on certain areas of your spending if you are going to free up money in your budget to put toward paying down your debt.
Once you have a plan in place, it’s important to stick to it. But if extra cash pops into your bank account from a tax refund or a really generous gift, there’s nothing wrong with putting that toward the debt as well to fast-forward the process.
Paying down debt is a temporary goal and one that is very achievable. All it takes is getting your plan in place, sticking to it, and watching it happen.
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Business Insider is the fastest growing business news site in the US. Our mission: to tell you all you need to know about the big world around you. The BI Video team focuses on technology, strategy and science with an emphasis on unique storytelling and data that appeals to the next generation of leaders – the digital generation.
Financial success starts in the mind. And if you have a positive money consciousness, you will find it relatively easy to make, save, manage, and grow your money. In this video I’ll take you through a guided meditation that will help you with this. http://bit.ly/2GmhTWx
To further help you with mediation of wealth and abundance, I’ve included a FREE download to my 4-Step Meditation Guide. Click the link above.
Transform your life and career with this FREE training: The 7 Pillars of True Life Transformation!
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My Wife And I Don’t Agree On How Serious Debt Is!
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