Tag Archives: financial problems

Update on the National Mortgage Settlement Program – Do You Qualify?

14 Sep

Update on the National Mortgage Settlement Program – Do You Qualify?.

August signals the beginning of back to school shopping. GreenPath has tips to save…

14 Aug

Plan your back-to-school shopping… Here are some great tips!

GreenPath Financial Wellness Blog

Back to school shopping already? The ads and inserts in the paper are usually my first reminders that  back to school shopping  and fall are just around the corner.   This can be an expensive month for parents but a little planning before the shopping might help you avoid the drain on your pocketbook.

According to the National Retail Federation the average person with children in grades K-12 will spend $688.92 this year on their children for back to school needs.  This is up from $603.63 per average family spent last year.

If you have planned for this and have the money set aside to get your kids ready for the first days of school, pat yourself on the back.  Don’t give up though if you aren’t sure you have the money in the bank to make the needed purchases.  There are some things you can do now to cut your…

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Do you know where your next #paycheck is coming from?

9 Jul

Uncertainty creates #fear and #anxiety

After a short break from writing I really hope you’re doing well.  It’s great to be back. No, I didn’t spend the night in jail or even the weekend in Milan. If I had today’s blog would have been wild!

With the canvas of gloom and doom that surrounds us, I can sense that the majority of hard-working Americans are in a state of uncertainty. Not knowing what comes next is a stressful way to live!

If you have a job, you wonder for how long. Could this be the week you get laid off?

Maybe you’ve been #unemployed for a long time… If you don’t have a job, the uncertainty of whether or not you’ll find one that pays enough to cover your bills weighs on your mind every day.

With uncertainty comes fear—and lots of it!

Learn to control what you can in life, and calm any fears you have—one at a time.

What is the best way to put those fears out of your mind???  Learn what you can to improve your outlook and understanding of what is to come… 

Do you know enough about financial terms and situations to understand if you are in financial trouble? From my experience with colleagues and clients, probably not…

Take a great step toward learning those important facts and read:

BANKRUPTCY FROM A TO Z: THE PATH TO FINANCIAL HOPE AND FREEDOM

Find it on http://www.amazon.com, http://www.barnesandnoble.com and http://www.sunsetdreambooks.com

No other resource will guide you through the maze of financial problems like this one. It is written in a language you will understand—and will be the best handbook you could ever read!

If you or someone you know could benefit from a little direction and reliable information, email me directly at bettyanne@sunsetdreambooks.com. I’ll personally handle the order and see to it that you start the journey toward a fearless life immediately!

See you soon at www.sunsetdreambooks.com and www.facebook.com/SunsetDreamBooks

All my best!

Betty Anne

Follow me on Twitter @sunsetdreamboox

#Bankruptcy is a fresh start, not a disgrace

6 Jul

Make the smart choice to push the reset button

The most devastating financial situation a person could ever face is bankruptcy. In the minds of many it is the ultimate neon sign of failure. As a paralegal, I observed that individuals will run from it, hide from it, ignore and condemn it—and in the process they generally seal their fate of filing it.

What I want you to realize is that bankruptcy is not the evil monster you have been taught to believe. It is a legal means of moving beyond true financial despair toward a life of hope. There is no time in history that ever screamed the word bankruptcy as a viable means of survival than the one in which we currently live. The world-wide financial markets have bottomed out—revealing the reality of fraudulent investments, limitless greed and financial ruin.

If you find it difficult or even impossible to pay your monthly financial obligations on time, you should think about the possibility of filing bankruptcy. Learn about the realities of the process and how the law could benefit you personally. No two situations are alike, and what might work for a friend or neighbor may not be the best solution in your situation.

The most important observation I can share with you today is that the majority of people that could benefit from bankruptcy wait much longer to file than they should. It is in our nature is to pay obligations in full, no matter how hard we have to work to do it. Honestly, there are some situations that are so dire and insurmountable that a person is smarter to wipe the slate clean and use their energies toward rebuilding their finances than suffering under a smothering burden.

Maybe your health is suffering due to the stress of unpaid bills. Everything else in your life is also suffering because your health keeps you from performing well at work, and the ability to provide for your family. What price do you put on your health? What sickness will you endure needlessly because you are too proud to admit that you need to start over?

It is my fervent hope that you make the choice to put your shame and guilt behind you to at least explore the option of bankruptcy. You’ll find that your current fears of filing bankruptcy will prove to be unfounded, and any further delay will just prolong your journey toward financial health.

Visit www.sunsetdreambooks.com today to learn more about the brighter financial future that is well within your grasp—once you take that first, albeit scary, step. You and I will work together toward dispelling those fears and learning how to make informed, sound decisions about your financial future—all in a language you will understand. If you know someone facing bankruptcy, and you want to help them move one step closer to prosperity, order my book for them. Read it yourself and, as a good friend, share it with them as you walk with them toward their best hope for financial restoration.

All my best!

Betty Anne

SUNSET DREAM BOOKS

Follow me on Twitter @sunsetdreamboox

#Food for Thought—and I sure hope you’re #hungry!

4 Jul

#Food for Thought—and I sure hope you’re #hungry!

Try something new—you may find it refreshing

 

When I woke up this morning, my thoughts drifted to the founders of our country instead of hotdogs and fireworks. Those brave people came to a land that was undeveloped and unknown, but they worked together to fight against a controlling force that had only self-interest in mind. I then wondered how our current United States of America would fare against such a controlling force. Is there enough of that independent spirit evident in America today to insure that we remain the land of the free and the home of the brave?

As polarized as our country currently is, there is no guiding force that reaches beyond itself to a place of unity—and unity only comes when two sides of a discussion agree to come together on common ground. Sadly, I don’t see too many people even willing to discuss our problems with an open mind, let alone agree on solutions. We have become so rigid in our own thoughts that there is no room for discussion or agreement.

Could you do something for me today? Could you think outside the box (your box) and hear the other side of a situation—with which you don’t currently agree? If you can say yes to my request, it will renew my spirit of hope that the future America will be better than the current America. People make up our country, not political parties or politicians with self-interest in mind. What is really best for the people?

I learned long ago that meeting others on common ground brought about solutions that neither side of a polarizing situation could have imagined on their own. Two heads are considered better than one because it is self-limiting to think that only your thoughts are the good thoughts.

Celebrate this INDEPENDENCE DAY by acting independently, and thinking for yourself. No one should control your thoughts or direct your actions but you. Remember that the next time you put forth a position in an argument. Is it REALLY your position, or one that has been formulated for you in order to ultimately benefit someone else? Thing long and hard about your decisions, and make them only after you have researched facts, figures and formulations yourself.

Rely on your desire to be reasonable—and you will become more reasonable in your desires.

All my best!

Betty Anne

SUNSET DREAM BOOKS

www.sunsetdreambooks.com

www.facebook.com/SunsetDreamBooks

Follow me on Twitter @sunsetdreamboox

The other “B” word – #BUDGET

30 Jun

The other “B” word – #BUDGET

A household budget is easier than you think

I found a great article on preparing a household budget that I know you’ll want to read. It really doesn’t get any easier than this. The hardest part is getting started!

When you spend more than you take in, eventually it will catch up to you. It doesn’t matter if you make $20,000 a year, $200,000 a year, or $2,000,000 a year. Even wealthy people get into serious financial trouble! You see it on the news all the time. Whenever I hear about a celebrity or sports figure in dire financial straits, the first thing that comes to mind is how can anyone spend through that much money? Well, it is human nature to spend more than you have.

A budget is a necessary roadmap that shows you when you’re veering off course. If you don’t prepare and follow a budget, you’re sure to get lost in the woods of financial trouble. Don’t get lost… prepare for the journey, and even plan for the detours you are bound to encounter. Everyone does.

The short article attached:  http://www.money-zine.com/Financial-Planning/Debt-Consolidation/Family-Budget-Basics/ is well worth the read. Take easy steps to analyze your spending habits and prepare to achieve a life with less stress, and more contentment. You can do it!

All my best!

Betty Anne

SUNSET DREAM BOOKS

www.sunsetdreambooks.com

Do men and women handle #bankruptcy differently?

27 Jun

Of course they do—they are from different planets!

Serious financial problems are devastating to everyone. I never met a person in my career as a paralegal happy to face the problems that come along with the territory. Yesterday, I discussed my observations about the ways men deal with difficult financial situations—including bankruptcy. Today I’ll talk about those I relate to even better—women… because I am one.

There are many women facing serious budget problems in today’s world, whether or not they are part of a couple. People with high-paying jobs, women with children at home, retirees living on fixed incomes: all of these individuals have been hurt by the present economic market.

I noticed when working through these difficulties with women that they very often felt ashamed, personally responsible and quite hopeless. Sometimes they took care of the family budget because their partner didn’t want any part of it, but there just wasn’t enough money coming in to pay the bills on time, or at all. Women often absorb the negativity around them, and then accept full responsibility for duties that should have been handled together with their spouses or partners. Women may also find it difficult to face the reality of the situation, knowing that they might be blamed or ridiculed once the truth is known.

The most important decision a woman can make is to find the right circumstance to share the details about her financial situation with a professional. Fortunately, a woman is more likely to consult professionals than her male counterpart—in much the same way as asking for directions when lost comes because it is natural to her. When she finds that help, the tears begin to flow, the self-imposed guilt surfaces, and it is then possible to take steps toward financial health.

In addition, a professional might also be more comfortable portraying the realities of the situation to the woman’s spouse. As a third party, the emotionality is removed from the situation and it can be faced head-on and realistically. It is hard to play the blame game when you’re in the office of an attorney or paralegal.

I always worked hard to create an environment for women where they felt safe and secure in their decisions. Along with this came the opportunity to allow her to vent, cry, and recover. Then we were ready to do the real work.

It was always a pleasure to see spouses work together toward the common goal. Sadly, it was rare to be involved with couples that didn’t find the need to blame one partner or the other, but that could be attributed to human nature.

For those women living on their own, many are already used to doing without the latest purse, fancy car, and expensive jewelry. I am amazed at how frugally a woman can live, and how dedicated she becomes to the goal of financial freedom. Women have always taught me something in the process.

If you are a woman  facing a serious financial crisis, turn to a valuable, affordable resource: BANKRUPTCY FROM A TO Z: THE PATH TO FINANCIAL HOPE AND FREEDOM. You can find it on my website: www.sunsetdreambooks.com and at www.amazon.com. Let me work along with you to achieve your goals. We can do this together!

All my best!

Betty Anne

SUNSET DREAM BOOKS

Follow me on Twitter @sunsetdreamboox

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