Debt consolidation is the process of taking multiple outstanding debts and combining them into a single debt, hopefully with a lower payment. Debt consolidation could be a way to get a handle on debt, but there are other ways too.

Here are four things to think about when you’re considering debt consolidation:

1. Before getting a loan or opening a card, consider reaching out to your creditors to see if they can work something out with you.

2. It might be helpful to talk to a certified financial planner or a certified credit counselor about your situation. An objective third party can help you figure out what makes the most sense for you.

3. Four common ways to consolidate debt include: a balance transfer credit card, a personal loan, a home equity loan and a home equity line of credit.

4. When you’re thinking about your options, consider interest rates, fees and whether you’re comfortable putting up your home as collateral (in the case of a home equity line of credit or home equity loan).
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(copyright note to YouTube manual reviewers: this is my own narration of a public domain text, it is not copied from audible or elsewhere, it is not “reused content”.)
Amazon Link (modern translation by Gregory Hays): http://geni.us/BuyMeditations
Audible Link: https://geni.us/VoxStoicaOnAudible
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Book 6 – 2:00:00
Book 7 – 2:33:09
Book 8 – 3:04:55
Book 9 – 3:37:20
Book 10 – 4:07:09
Book 11 – 4:38:44
Book 12 – 5:05:48

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Marcus Aurelius ruled the Roman empire from AD 161-180. He wrote the 12 books of the Meditations in as a source for his own guidance and self-improvement. It is possible that large portions of the work were written at Sirmium, where he spent much time planning military campaigns from 170 to 180. Some of it was written while he was positioned at Aquincum on campaign in Pannonia, because internal notes tell us that the first book was written when he was campaigning against the Quadi on the river Granova and the second book was written at Carnuntum.

It is unlikely that Marcus Aurelius ever intended the writings to be published and the work has no official title, so “Meditations” is one of several titles commonly assigned to the collection. These writings take the form of quotations varying in length from one sentence to long paragraphs.

George Long translation I used: https://en.wikisource.org/wiki/The_Thoughts_of_the_Emperor_Marcus_Aurelius_Antoninus/Book_I

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Please note this is my own recording of ‘Meditations’ by Marcus Aurelius and I retain the copyright.

#Stoicism #MarcusAurelius #VoxStoica

“How you think is everything.” This simple and true statement exemplifies how the product of our labors is first built by our minds. Everyday, we make several financial decisions, yet many of us practice little to no daily mindfulness of our money until there are cash crunches or other problems that must be addressed. This book is the tool you need to breakthrough and achieve consistent daily awareness of your money and your mindset towards money. Containing 365 personal finance affirmations–one for each day of the year–this book provides daily meditations to help you break through mental and habitual roadblocks, negative predispositions, and self-sabotaging beliefs that stand in the way of financial success. Each affirmation has been carefully designed based on extensive research into the personal finance and self achievement fields. The simplicity and elegance of each affirmation provides a tool to help you conquer the financial challenges in your life while supporting your long-term goals.