August 1, 2009

Cleaning Out My Closet | What Happens When Your Child “Comes Out”

Défilé de PASTT à la Gay Pride à Paris en France
Image via Wikipedia

It’s summer, I’m traveling, I have Marching Band camp and I’m launching a new application at work. Finding myself in this blogging topics dead zone I checked Mamapedia to see if there were any questions that struck a chord. I stumbled upon a Mom whose 18 year old son told her that he is gay.  I thought to myself ” well there’s a topic with teeth “;  why? because I have been there and done that and quite a few years of experience that I can bring to the table.

I don’t recall exactly how long ago it was that my handsome boy came to me and said “Mom, there’s something I have to talk to you about”. I had no idea where the conversation was going to lead when we sat down in my “meditation room” to talk.  He was very straightforward and said “I’m gay”.  I don’t remember my reaction (resignation?), I recall asking a lot of questions and being a little hurt that I was not the FIRST person that he told.

I do remember telling him to never forget that I gave birth to a boy and not a girl and I’d better not catch him being a flamer. In retrospect that was probably a mean thing to say, but he has honored me by respecting that one request. Of course I  worried about him being out there in a world that can be so mean to people who are different – after all as hard as it can be to be a black hip-hop looking kid, how much harder to be a Gay black hip-hop looking kid?

When I told my husband and older son they gave me a “so?” kind of look, they always knew and wanted to know why I didn’t. I think that helped me to get through the process faster than a mother who is on her own with a revelation like this. And, yes, I think that I probably knew all along but was in denial about it. I think Moms know their children better than anyone else and when a child “comes out” they’ve really just voiced what we’ve known for a very long time.

Well back to the Mother on Mamapedia, she’s devastated, upset because she will never have grandchildren from this child (she has others), and has actually removed his pictures from the house because she can’t stand to look at him.  I fully understand how she is feeling. You see as parents we tend to see our children as both an extension of ourselves and the path to  fulfillment of  our unrealized hopes  and dreams. We think our children and their lives are about us, when really it’s about them. And that’s where we go wrong.

Imagine how hard it is to sit down with your mother  (your first love, your lifeline, your shelter in all storms) and tell her something that you hope will not cause her to cast you away. How does the child feel when their Mommy does exactly that? Throws them away, letting them know without words that they are useless and worthless because they’ve made a “bad choice” (yeah like a kid would choose to be a pariah).

My son told me that he’d known since he was young  that he was probably homosexual. He said that when he was 15 he tried to kill himself becaus eof the kids at school and his own confusion. I didn’t hear the whole story because blood rushed to my head and i blacked out with my eyes open at the very idea that I could have lost him and never known why. My children are undeniably the loves of my life, I would never for any reason stop loving them. Being gay is small stuff, being dead … well that’s pretty final.

For some, a child coming out of the closet is  in some small way like a death in the family, you will go through the phases of grieving:

  1. Shock  – you may experience feelings of disbelief or may be momentarily unable to feel anything at all.
  2. Denial – this is where you decide that it’s ” just a phase” and send your teen to counseling or a church “re-training” program.
  3. Bargaining – usually with God, but you may try to bargain with your child too (“I’ll buy you a new car if you promise to stay away from your homosexual friends”)
  4. Guilt – “What did I do wrong?” , “Was he too much of a Mama’s boy?”, “I shouldn’t have let her play sports”
  5. Anger is another totally natural part of the grieving process. Unfortunately, in these cases all of the anger tends to be directed at the child, mainly because parents think this is a choice they made out of defiance or some such.
  6. Depression – this can be alleviated by remembering that your child is still here, they didn’t die, it’s only one of  your expectations for them that died. Remember that Gay men and women do become parents, they go to college, they attend church, they live the same types of lives that we do.
  7. Acceptance  – I have read of parents who refused to speak to or see  their children after they’ve come out. What an absolute waste.

I have never been to a meeting (never thought about it actually) but I hear that PFLAG can help parents through to acceptance. Check their site for a chapter near you.

While having babies doesn’t come with a “contract” like marriage and business relationships, the act of conceiving, birthing, and keeping your baby creates a binding contract. You promise to love that baby unconditionally, treat it fairly, and set it free when it’s time. People who deny their children based on a condition ( sexual orientation, choice of marriage partner, not meeting expectations) did not deserve those children in the first place.

I did not personally go through all of the stages of grieving, I’m a pretty modern woman, have been lucky to have fantastic Gay friends (yes even in the Marine Corps back in the 70s) and was able to get over myself fairly quickly. My son has been with the same person for almost a decade and they plan to make it official some time next year -  and of course I will be there -:)

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July 29, 2009

Creating Leaders In Your MLM Business

3D Team Leadership Arrow Concept
Image by lumaxart via Flickr

Have you ever wondered why two people who are given the same opportunity, the same leadership, the same financial and personal situation, access to the same knowledge,  do not achieve the same level of success?  Given that two people can have the same training and the same level of commitment – why does one end up as a top earner, while the other flounders and maybe even quits the business?

Are succesful network marketers just  natural born leaders?  Maybe some of them are, I am sure that that natural born leaders exist in MLM to the same extent  and in the same proportion that they exist in the rest of the world. But what I really think is that to be a successful entrepreneur (and that’s the mindset that you must have if you are in MLM) you have got to cultivate leadership in yourself and your team. I’ve heard  people say that to be successful you have to go out and find some leaders, I disagree, I think that you have to find some people who are interested in being leaders.

So once you have found a couple of good people, what’s next?  Well when I first started in network marketing I thought that I should coddle people, show them everything I know, hold their hands and guide them through the training , help them to build their team- man, imagine my level of pisstivity (no that’s not a word but it does explain that feeling) when people that I spent hours each day training and assisting would just quit without a word. Here today bugging the crap outta me and then gone, baby, gone.

Well that wasn’t a good strategy. So what about if I just bring people into the business, point them to the training site  and give them my number in case they have questions?  Unfortunately, that only works for the “motivated self-starter”, everyone else feels isolated , on their own, and a little bit taken in  (meaning they’re just another notch on your lipstick case).

Then I took a closer look at the true leaders that I knew or had known and I realized that they had several common traits:

  1. They struggled – not one single overnight success in the bunch. They went through some things.
  2. They came to believe in self development – they read a lot, go to seminars,  and listen to books on tape/cd.
  3. They persisted -  they went through some things but kept going anyway.
  4. They felt alone – The person who signed them did not do their business for them

Bottom line is that the bald eagle may have it right, the parents do everything for their young initially, but then they leave them to fend for themselves. I think that those members of your team who survive the “fend for yourself ” stage of their development, will become your leaders.  And those who whine about a lack of support from their upline will never find that ” secret door to success”.

What do you think? Are leaders born or made? How do you create leaders in your organization?

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July 24, 2009

Personal Responsibility, Obama’s Birth Certificate & All That Jazz

In Scream, Jackson and his sister Janet angril...
Image via Wikipedia

I’ve been MIA from the blogosphere for a little while, but I’m back and raring to go. Been forced to listen to a lot of talk radio, read a lot of Tweets, and watch a lot of Fox News, CNN, and MSNBC lately. The negative vibes almost killed me….but I’m still standing and you can too.

I will get back to my regularly scheduled programming in the next post but there is something laying heavy on my heart and I have got to get it off. I have faith in America, I have faith in the American people, I believe that you are all bright, intelligent beings who can think for yourselves.

But I gotta tell ya, you are not Bill Maher, you are not Jon Stewart, you are not Bill O’reilly, you are not Rush Limbaugh, you are not Sean Hannity, why you aren’t even Keith Olberman! And you have got to stop letting these guys do your thinking for you.

Sometimes we forget that these guys are (as Rush once said) “only entertainment”.  That they actually get paid to do the things they do and say the things they say. Sure they’re passionate, loud, committed – but at the end of the day none of them can teach you to be a better Dad or Mom. None of their advice will show you how to be a better person, live a better life, play well with others. As a matter of fact it’s just the opposite. They are putting so much negative crap in your head, that you can’t  fit the positive thoughts that YOU need to survive and thrive and help turn this ship around. AND I am willing to bet that many of you are FEARful instead of  FAITHful – well that’s not moving you forward is it?

I believe (and this is America so feel free to disagree) that too many of us look to the media to educate and inform us.  And once upon a time this may have been the case (but I don’t really believe that , I think if I do my research I will unearth facts that prove that the media in one way or another has always been a propaganda machine).  Today no media  outlet gives us “just the facts”, they spin it, they twist it, they dissect and debate it – and I reiterate – they do not care about you or the effect this all has on you.

I mean seriously, in the old days the media might have waited a few minutes for the family of Michael Jackson to be notified that he was dead, before they told the entire world – today my friend it’s all about the scoop. That’s not about us, that’s about them.

OK about the title of this post – “Personal Responsibility” it’s a buzz phrase, you didn’t think it up yourself, it’s an implant – rip it out and get on with your life. Accept the fact that none of us have a choice but to be “personally responsible”.

Obama’s birth certificate – it’s not important to the majority of Americans. Majority rules as this is still a Democracy. Again, wasn’t your idea, was someone else’s, get it out of your mind – go and do some volunteer work, find a teacher who has to buy supplies for your kids school and give her a gift card to Office Depot, babysit for a single mother so that she can go look for a job and get off welfare (and you can lose your reason to think badly of her), or mentor a child in your own neighborhood who’s  lost a parent. This should take your mind off of the non-important issues and place it on something that might actually make a difference.

At a recent Town Hall, a woman raised the question of Obama’s  birth certificate and then she screamed “I want my country back” – well  so do the Native Americans and so do the people who used to own Texas, Arizona and California. They moved on and you should too.

And “All That Jazz ” id like one of my favorite movies of all time.

Tired of you tellin’ the story your way
It’s causin’ confusion
You think it’s okay  – ( “Scream” by Janet Jackson)

And yes it does all just make me want to Scream.

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July 14, 2009

Conventions Are So Darned Awesome!

Ameriplan Family Reunion 09

Ameriplan Family Reunion 09

I just got back from my company’s convention in Dallas,Texas ( is that the hottest state in the union or is there one that’s even hotter?)  and I am so pumped!  I think that recharging your entrepreneurial battery  and  reconnecting with your “people”  are two of the top reasons why we attend conventions. It most certainly isn’t  for the rest and relaxation as we stay up late into the night  and roll out of bed  early in the morning.

This year our convention was titled “Family Reunion ’09 ” and you know what?  That  is exactly what it was like, I have been to many events in the past and it really was like coming home. The faces were familiar, everyone had a smile or a hug for you, and we all had something in common didn’t we?  We are just ordinary people  taking a chance so that we can  live extraordinary lives.

The best part of convention this year was meeting all of my Facebook friends – like my sister from another mister Catey who is just the sweetest, tiniest person it will ever be my pleasure to know. I was also inspired by the young people – the under 30 crowd – who are setting goals, achieving them and setting new ones; cocktail waitresses and single Moms who have created  or are on their way to creating a monthly multiple comma income. And then there is my roomie and new BFF Waple  Michelle, who has vowed to stay on this ride with me no matter what!

What did I learn this weekend? Well I learned that I definitely chose the right company two years ago. One that has survived the economic downturn and is still  focused on helping people to save money and make money. I won’t bore you with the details, awesome though they may be (you can check it out on my website ).

I also learned that you absolutely cannot stand still, say a couple of prayers and hope that God hears you and sends abundance and prosperity your way. God hears you all the time, and  is just waiting for you to act, to move, to set your foot on that path and keep going no matter what. Life is all about the jorney, but most of us keep praying that we get air lifted to the destination.

Stop trying to hit your target and hit it already! Leave a comment and maybe tell me about your convention experience.

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July 2, 2009

When quitting is the only option

Are You A Quitter? I know I am. When the going gets tough the tough may get going but the niseylee usually gives up and moves on. From academics to relationships, I always assumed that I just was not cut out for the hard stuff.

I think it’s the commitment that sticking with it requires. For example, if you yourself have been hurt in a relationship or you’ve watched your parents engage in a combative and painful relationship- it would make you gun shy wouldn’t it? Definitely not apt to stay in a relationship long enough to get to the part where someone could actually hurt you.

In business, the chronic quitter does not stick around long enough to be placed in a position of authority and responsibility. Guess they are afraid they will “let someone down” or actually have to “show some results”.

So what’s a commitment phobic under achiever who craves success to do anyway? I’m glad you asked:

  1. Define what success means to you (lose weight, earn more, have happy healthy kids etc)
  2. Based on this definition, set some short term ( 1 -12 months) and long term (1-5 years) goals
  3. Accept responsibility for your past actions and their present consequences
  4. Live your life on purpose, nothing is accidental

Let’s face it quitters never win because they just don’t ever finish what they start. So are you a quitter?

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June 30, 2009

Effective Listening|Maybe What You Thought You Heard Wasn’t What Was Really Said

*John is an entrepreneur, he’s popular on all of the social media sites, has multiple streams of income, and is always giving advice  online about how to succeed in business.  The funny thing is that John’s advice usually lands the person who asked for it on his business prospecting list, and if they don’t watch out before they know it they’ve landed in his downline – and still don’t know what to do to improve the business that they already have!

My question to you is  are you John? Do you rush in  with your product or biz opp, offering them as the solution to your prospect’s problem before you even know what the actual problem is? Deeper still, do you listen with your mouth instead of your ears?  In his book  The 7 Habits of Highly Effective People Personal Workbook Stephen R. Covey says that the key to effective communication is that you must  “seek first to understand, then to be understood“.

You:  “Hello, Carrie, this is ____ with the fitness company, I have a note here that says you’re interested in losing weight”

Prospect: “Oh, I definitely am.”

You: “Great, how much weight are you looking to lose?”

Prospect: “Well I gained 30 pounds with the baby and just can’t seem to get rid of it, and I’m breast feeding too so dieting is hard”

You: “Oh I know what you mean, it was so easy to take the weight off with my first two, but after my third I just could not get that weight off.  I’ll tell you I tried just about every diet that you could think of.  I tried walking, and exercise tapes and finally I found the XYZ fitness company. The company was started by a Mom who had the same problem, and she designed our products specifically for Moms like you and I. You know we are a 7billion dollar debt free company and our products are shipped directly from the Amazon River, where they are harvested by natives. ”

What are you reading a script or something? Did you even hear the part where she said that she couldn’t afford fancy diets or that she was breast feeding? I bet you were waiting for her to finish her sentence, so that you could say the next thing on your script.  You quickly jumped to the conclusion that her problem was the same as your problem and therefore what worked for you should work for her.

Next time, listen and respond to what the prospect is saying, rather than responding to your thoughts about what the prospect is saying. For example when she mentions breast feeding you could say: “Really? Do you have any dietary restrictions due to breast feeding?”   or “Tell me more about that”  Maybe she can’t use your product because one of the ingredients  gives babies gas. Isn’t it better to learn that early in the conversation?

Also, remember that the most important person in a prospecting call isn’t you, it’s the other person. You already know all there is to know about you, now you  need to learn what you need to know about them so that you can determine if your solution fits their problem

Good luck and keep your ears open…

* John is fictional, don’t be like that Carly Simon song “you’re so vain, you probably think this song is about you”

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June 22, 2009

The Importance of Communicating Our Intentions

Has this ever happened to you? You signed a new person to your business intentionopportunity, they were gung ho and ready to rock and roll, you are just totally over the moon about the possibilities. But it’s been two weeks and Jane doesn’t respond to your emails and has not returned any of your calls.  You’re starting to wonder if there is something you said or didn’t say that may have caused this situation.

Jane  is MIA and, trust me, it’s no one’s fault. You ASSUMED that Jane planned to just jump on in there and get to work, building her business and increasing your earnings. However, Jane’s intentions are to get to it when she get’s to it,  after all you did tell her that it’s her business.

You entered into this relationship with the intention of gaining a partner who would help you to grow your existing business, Jane entered into this business with the intention of getting a home office tax deduction because she is single, childless, and has to pay additional taxes at the end of the year.  And yes she does plan to work the business someday, but it was never her intention to do it today.

This example illustrates the negative situation that can arise when we do not clarify our true intentions when entering into a relationship. The truth is that this is a very common thread in all relationships, we have certain unspoken expectations of our co-workers, our spouses, our children, and our friends.  When the other party in a relationship does not live up to these expectations we are disappointed and the relationship is slightly fractured.

Joe, a married man from Connecticut, meets Cindy at a club in New York and they enter into a relationship. Joe’s intention is to have a good time outside of his marriage, Cindy on the other hand believes that Joe loves her and her increasing intention is to wrest hi away from his wife and children and marry him herself. Cindy wins and Joe marries her after his divorce becomes final. Several years later she is devastated to learn that he has had several affairs. Joe is surprised, it was never his intention to hurt Cindy, he gave her everything she wanted and assumed that she understood “the kind of guy” that he is.  Joe and Cindy could have saved themselves some trouble nd heartache by stating their intentions and expectations loudly and clearly back at the club when they first met.

In business, as in life, you will find that things will go much more smoothly when everyone is clear about what their intentions are and what their desired outcome is. What if you had said to Jane, “I am looking for people who are ready to hit the ground running because I have a goal..” then Jane could have responded “Well I really like the business model and want to sign on, but I probably won’t be able to get started working for another six months, would that be ok with you?”

It sure would save you a lot of angst and frustration to find out what’s really in your prospect’s head up front, now wouldn’t it?

How do you communicate your intentions when prospecting?

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June 18, 2009

This Product Sells Itself & Other Marketing Myths

Supermarket in São Paulo
Image via Wikipedia

I want a nickel for every time that I’ve been told “This product sells itself”. It wouldn’t bother me so much if there weren’t such a proliferation of advertising across the Interwebz about opportunities where the product or service is so necessary to everyday living that , well it just jumps out of the cases in your garage and into the waiting arms of consumers across America.

It got me to thinking ,  food is a bare necessity but my local supermarket has to send a sales paper to get me in there to make a purchase, so food doesn’t sell itself.  Clothing is a necessity,and again if there isn’t a sale on, don’t look for me at the mall. Shelter, now there’s a necessity, and we all know what happened to the US housing market over the past two years or so.  So if the bare necessities don’t sell themselves, then obviously nothing else will either.

Everything is about selling. Getting a good job is all about making a sales call on a recruiter or manager and hoping that you close the sale  and walk away hired. Keeping a job means selling your personality and skills daily to people that you may or may not even want to be around -but you’ve got to pay the bills for all the crap you’ve been sold on. When you met your spouse you had to sell him or her on You, if you’re single and looking then chances are you are selling every time you go on a date or meet someone new.

Life my friend, is a sales call. What am I really saying though? I am saying that  if you want to get into network marketing or internet marketing, by all means do it, there is so much income potential in these two areas. But don’t fall for the okey doke, if someone tells you that you can make 20k a month starting tomorrow, while you sleep and your turnkey system does all the work — well if you believe them that’s on you.

You can become a successful marketer with ease (and that ease is all in your head, it’s your mindset that dictates the level of  “ease”),  but you can’t become one by being lazy, or waiting for the guy who signed you up to do the work for you, or reading books that teach strategies which you never implement. Nor can you become one if you don’t want your information on the internet and refuse to use social media tools, or are afraid to pick up the phone and actually talk to other humans about your product, service or opportunity.

This product doesn’t sell itself, you do — so get to work.

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June 7, 2009

When Paying Off Debt – Don’t Try To Eat The Whole Elephant

ccToday we are blessed with the ability to have just about anything we want quite quickly. If we get lost on a road trip, a GPS system will give us the correct directions instantly (failing that you can text your location and destination to Google and they will text directions back to you); we don’t just have restaurants we have “fast food” restaurants, and even conventional restaurants now allow fast ordering and pickup via the internet; can’t remember the name of that actor in National Lampoon’s vacation? Google it. Need to visit your money, pay a bill, trade some stock, or buy clothes for the kids? You don’t even have to get off the couch, just log on to your bank, favorite online store etc.

But what has the ability to get things done right now done to all of us? It’s given us the false belief that we can do everything FAST!  You can lose 10lbs this week, speak Italian by Monday, have a gourmet meal on the table in 30 minutes or less, and take a couple of hours off work to  change the contours of your body or thickness of your lips.  So then why shouldn’t you  be able to get out of debt quick, fast, and in a hurry?  I read somewhere recently that if you borrow against tomorrow, you will always be broke. Well think of your debt situation as you having borrowed against tomorrow – and now the day after tomorrow is here and you’ve still got the debt, but that windfall you borrowed against  just never happened.

The truth is that how quickly you get out of debt will depend on a couple of things:

  1. How far down the rabbit hole did you let yourself go? $2000 in credit card debt or $250,000 including a car and a mortgage (yes you should probably pay your mortgage off  if you plan to stay in your house).
  2. How much are you willing to give up ( from that Aruba vacation to eating out to t-bone steaks from the grocery store)?
  3. How much  income can you throw at your debt?
  4. How strong is your desire to be debt free – I mean do you want to be debt free or do you just want to get back to being able to using your credit cards and not hiding your car?

Getting out of debt can be hard work if you do not have the right tools – if you have 3 or more large sums to pay off then chances are you have creditors calling and offering their “special payment plan” , please understand that often these plans will leave you exactly where you are for another 10 to 15 years! In my last post  “How To Survive & Maybe Even Thrive In Our Down Economy” I discussed my aversion to credit counseling services – the main one being that they don’t get you out of debt very quickly (ok, yes I am addicted to fast) and the monthly payment you get stuck with just isn’t worth it in many cases, I also promised my Mamapedia readers some debt reduction tools.

When you begin the work of getting out of debt, don’t try to eat the whole elephant, you can’t really pay off anything if you are paying off everything all at once. Try the snowball method where you start with the little things – your $400 department store card, followed by the $1000 Amex, and then the $5000 Home Depot  bill.  Back to those tools I mentioned ( the links below are all to documents on Keith Chuvala’s FPU page), if you can afford it I suggest David Ramsey’s ” Financial Peace ” or his Total Money Makeover or any book on creating a budget  and managing your debt. The first thing any financial planner worth their salt will tell you is that you have to pay yourself first, which doesn’t mean that you take $200 from your paycheck and go shoe shopping. What it means is that  you should save and/or invest a portion of your income every pay day. David Ramsey suggests saving $1000 before you even consider starting your debt reduction plan because if you don’t have any savings then small emergencies will derail your efforts topay down your debt.

The next thing that you should do is determine what you take home and what you  spend each month, the three spread sheets on this page will help you to document this information and then create a quick and dirty budget.  There are many worksheets on Keith’s website that wil help you with everything from how to save to paying off debt, by far my favorite is the Debt Snowball Calculator, using this calculator I realized that I could actually pay of my 30-year refinanced-too-many-times-to count  mortgage befoe my youngest gets out of college – to me that is awesome!

OK this post ran a little longer than I planned, I hope that I’ve given everyone who’s having issues with debt a few tips and tools for getting out of debt once and for all. Also, if you leave a comment and are among the first 10 people to  link to the post on Twitter( put @deniseporter so I know that you did) I will gift you with a copy of  “The Total Money Makeover”.

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May 30, 2009

How To Survive & Maybe Even Thrive In Our Down Economy

Sunny yellow flower by Sharee Basinger

Sunny yellow flower by Sharee Basinger

The economy has been in a tailspin for longer than most people care to admit, but in the past year it has really hit home for people all across the world. While many want to place blame here or maybe there, I think that this may be just what the doctor ordered for this generation of reckless consumers (read the whole post before you go disagreeing, and leave your comments below). I know from reading questions on Mamapedia and Mamasource that many of you or your spouses  are unemployed or were unemployed and then had to take a job making so much less than you were earning previously, these situations place a major financial  and emotional burden on a household.

How does one get past that and get on with living a life of abundance? How does one get on with anything when bill collectors and mortgage companies have you on speed dial and remind you daily of your problems ?

The first thing that you  have to do is accept responsibility for your own  debt – whether it be a mountain or a molehill, if you don’t own it now then you will pay it off and just make more more.  You made it and now you need to claim it, neither George W. Bush nor Barack Obama took that 7 day cruise for 5  that you put on your Visa card.  So don’t blame them, blame yourself and let’s get past the blamng.

Next, you and I both know that the Chrysler Government bailout will not be extended to any of us, heck the plan that was put in place to supposedly help people with their mortgages may never come to fruition for you. There are many small mortgage companies (like Litton) that are flying under the radar and bleeding their mortgagees dry. So the second thing you have to do is accept that you have got to fix your own financial problems.

Third, unless you are facing foreclosure on your home or your car is about to be repossessed,  don’t even consider bankruptcy. Filing bankruptcy to solve credit card and other debt issues, is like  putting a tourniquet on a paper cut. OK, that’s a bit extreme, but what I mean is that some forms of bankruptcy and “debt consolidation”

  1. leave you with a higher monthly payment than you had before
  2. ruin your credit for seven or more years ( did you know that getting into a “credit counseling” program appears on your credit as worse than bankruptcy?)
  3. are a temporary fix – I know people who have filed bankruptcy more than once, why? Because they did not learn from their mistake!

So, what can you do? Now here is why I say that this economic crisis is an opportunity for the rest of us. Here is our chance to :

  • figure out how to get rid of debt
  • learn to live within our means
  • create wealth for ourselves and future generations

Since you did not create your debt overnight you will not erase your debt overnight. Start by looking for ways that you can create additional income right now from selling things that you do not use to getting into a work at home opportunity or home-based business. I tell you how to handle those harassing phone calls in my post Your Reality Bites – How to Deal With Bill Collectors & Other Blood Suckers .

In my next post I will show you  some tools that will help you to create a budget and erase your debt without bankruptcy or credit counseling.