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Your Credit If it’s Broke Its Time to Fix It

Easy credit just might be the greatest seductress of the modern era. If you have fallen prey to its wiles, you are probably in need of some personal credit repair work. This is a common position to be in and not one to be ashamed of. By arming yourself with these credit repair tactics you can repair the damage and defend yourself better in the future.

Check your credit report from all three major credit reporting agencies once a year. This is a great opportunity to check your report for problems or bad information. If you notice a problem with your report, then you could fix it. This also gives you an idea of how a prospective lender would view you when pulling your credit report.

While working on a credit repair plan make sure you continue paying your regular bills such as cable, phone, and electricity. If you do not make payments on time, then that could end up on your credit report. Some utility companies will even take you to court to obtain their money. You do not want a judgment on your credit report!

Ask your credit card company to lower the limit on your credit card. Lenders can see how much credit you have available to you, even if it isn’t utilized. The more you have available the bigger the chance is that you could overextend yourself and have problems paying back your debts.

A great tip for improving your credit is to eliminate all credit cards except for one. When you have many different credit cards, it makes it difficult to keep up with all the monthly payments for them. All you must do to close a credit card is to write to the issuer and let them know you want to close your account.

A great way to improve your credit rating is to ensure that you always pay your monthly credit card payments on the day that they are due. If you cannot afford to pay off your balance every month you should ensure that you at least pay the minimum payment. Making your payments on time will ensure that your credit remains in good standing.

A great tip to improve your credit rating is to pay off your entire credit card balance each month. This will demonstrate that you are a responsible borrower, which will raise your credit rating. If you can’t pay off your entire balance, you should always aim to pay off as much as possible.

When trying to improve your credit, you should ask your credit card companies to decrease your credit card limits. This will not only prevent you from overspending beyond your means, but it will also demonstrate to your credit card companies and other lenders that you are a responsible borrower. This will likely lead to an increase in your credit rating.

A great tip for improving your credit rating is to use your credit card for your everyday purchases, such as food and gasoline. However, you must ensure that you do not spend too much so that you are able to pay off this balance every month. By doing this, you will show the credit card companies that you are a reliable borrower, which will, in turn, increase your credit rating.

Methods like these will help you repair your credit and learn to resist the temptations of easy money. Credit repair is not easy or fun, but it can be a learning experience. When you have conquered your personal credit crisis you can hold your head high and be confident of avoiding such pitfalls in the days ahead.

You can have anything you want if you are willing to put in the time, effort and plans to get to your goals. Discover the secrets why the rich stay rich and the poor stay poor. Click Here to view a video with more life tips! In closing, We invite you to share your comments on this subject and the other posts. If you find the information useful, Like & Share us on Facebook, Google Plus and other social media platforms. Remember to keep an open mind and Shift 4 Freedom.

Are Your Limiting Beliefs Stopping You from Achieving Your Goals?

Everyone has conscious or subconscious ideas that can become limiting beliefs that stop us from achieving our goals if we let them. Sometimes these beliefs are instilled in us in childhood and sometimes we create them ourselves. An example of a limiting belief that can get in your way of success is how you see yourself with money.

If you believe you will always struggle and always be poor, chances are you’ll set yourself up for failure. Your limiting belief that you’re poor and that you always will be poor becomes a self-fulfilling prophecy. The same can be said about anything negative in your life that limits you – whether it’s career, education, or personal such as being healthy and of normal weight. If you see yourself a certain way, it can be hard to change that view and let go of that limiting belief.

There are eight telling phrases that point to a limiting belief:

“It’s hopeless” – Anytime you use the word “never” is a clue that you’re focusing on a limiting belief. For example: “I’ll never have any money because you need money to make money.”

“I’m helpless” – When most people feel uneducated or helpless, they blame their circumstances instead of working to change them. “I can’t manage my money because I don’t know how” sounds insightful, but the part that’s missing is the feeling of helplessness when all you need to do is take a personal finance course or practice the lessons in “Smart Money Systems”.

“It’s useless” – The idea that nothing you do will make a difference is that you believe that any action you take won’t make a difference. “It doesn’t matter if I work out an hour a day, I won’t lose weight anyway.” How do you know? Have you tried to do anything for longer than a couple of weeks?

“It’s the universe” – Sometimes a limiting belief has to do with the idea that outside forces that you can’t control are at work keeping you down. You can’t find a job or get clients because the economy sucks, where you live is depressed, you don’t have the right clothing and so forth, but you do nothing in your power to change it because it’s destiny. “Everything happens for a reason” type of thinking can be very limiting and make you feel powerless.

“I’m worthless” – The idea that you’re not smart enough or good enough to do what you really want can be a very strong limiting belief system and seems to affect women more than men. You feel you’re not pretty enough, smart enough, or good enough to have something, so you don’t take the steps to achieve it because you don’t feel that you deserve it.

“It’s genetic” – While there are certainly some instances where genetics play a huge role in a person’s life, the truth is that almost everything that is genetic can be fixed with the right mindset, training, exercise, and outlook. You’re not stuck with your genetics, but if you think you are, you may not try any of the things to pull yourself out of the rut you’re stuck in.

“I’ll fail” – The truth is the fear of failure is something most people have a limiting belief. “I’m a bad public speaker so if I do it, I’ll be judged, and I’ll fail anyway so why try” is a common refrain. But, how can you set that belief in stone if you’ve not tried?

“I’m different” – The limiting belief about being different is that different is necessarily bad. You don’t want to be who you are because you’re different and you’ll be looked at as different by other people. You’re afraid to be who you are, and because of that you don’t even know who you are, and you’re too scared to find out due to fear of rejection and ending up alone.

If you ever hear any of these phrases go through your head, try to disconnect from them, and turn them around to “why not me” instead of “why me.” Always ask “why not me” because the truth is, you’re not feeling anything different from anyone else who has made goals and achieved them. The difference is in the doing, not the intelligence or talent.

You can have anything you want if you are willing to put in the time, effort and plans to get to your goals. Discover the secrets why the rich stay rich and the poor stay poor. Click Here to view a video with more life tips! In closing, I invite you to share your commits on this and all the posts. Like us on Facebook and Google Plus. Remember to keep an open mind and Shift 4 Freedom.

A Community College Education is a Good Start

Many people search and search for the University they will attend upon graduation from high school. Eager students look forward to their time at university while parents wring their hands hoping that their children choose to attend a university that is not only close to home but also within their budget limitations. Another worry that parents have when their children decide to attend college is whether that university they attend will have the specialized and individualized services that their children were accustomed to receiving in high school. Face, it; larger universities tend to be rather impersonal when it comes to the education of their students.

One answer to all those worries and more is to transition your students from high school to a two-year college rather than throwing them to the University wolves so to speak. Many people find that two-year colleges can, in fact, provide superior educations to four-year universities for those first two years or foundation college level courses. You will not get the specialized or specific instruction in a two-year college that is available to upper-level students on a university level but most students find the first two years of their college educations focused on getting the requirement and prerequisite courses rather than the specialized courses in their intended field of study.

Many people also find that those first two years at a community college-transitioning from a small pond to a larger lake-are much easier to handle than going straight from high school to a university-out of the pond and into the ocean. Universities often have lower level classes as auditorium classes. These classes offer little individual instruction and are often sink or swim sorts of classes. Those students who have special learning needs are often lost in the shuffle when entering a university. Community colleges offer smaller classes and ample opportunities for tutoring as well as classes on how to learn to study.

Two-year colleges are also much easier on the budget than most universities. Most people find that community college does not place nearly the financial burdens on families that universities place. Add to that the fact that most community colleges offer very flexible class scheduling and even some courses online and you will find that there are many reasons to consider community college that go well beyond mere budgeting requirements.

Another benefit to students who wish to enter the work force sooner rather than later is that you can get a degree or certification in certain programs from a two-year college. This means that you can actually graduate and begin earning much sooner than if you were to attend a four-year college in search of a degree. If you aren’t sure you want to invest the next four or five years of your life in pursuit of a degree or you simply aren’t ready to commit yourself to one line of work for the rest of your life it is an innovative idea to spend two years in a community college rather than making the leap straight into a university setting.

If you are considering whether a community college or two-year education is the best course of action for your specific needs, I really recommend creating a list of pros and cons of each and balancing your budget to see where your needs are most likely to be fully met. Remember you can always transfer to a university once you’ve completed your two-year college education or at any time during that education if you meet the universities admission requirements. Good luck and remember that your college education is one of the largest indicators of your future earning potential so take it seriously.

Discover the secrets why the rich stay rich and the poor stay poor. Click Here to view a video with more life tips! In closing, I invite you to share your commits on this and all the posts. Like us on Facebook and Google Plus. Remember to keep an open mind and Shift 4 Freedom.