Consumer Debt Solutions

I recently read a statement in a book of religious philosophy that hope and fear are separated only by expectation.  I found this to be interesting in its simplicity: Simple because expectations are no more than thoughts or stories that we make up. As a therapist and life coach this issue of expectation seems at [...]

Anxiety - Consumer Debt Solutions - Balancing Lives and Checkbooks

Consumer Debt Solutions

While taking a graduate course on addictions, our professor asked us to decide on some simple change we would want to make and then to make and maintain that change for one month.  We did this exercise to help build our sensitivity for those struggling to change from drug and other addictions.  While this exercise [...]

How to Make a Huge Change - Consumer Debt Solutions - Balancing Lives and Checkbooks

Consumer Debt Solutions

Most people think that if you just get on a budget, your spending problems will end. With all too manypeople, this isn’t so. Amongst my other duties, I have been working with people who have gotten intofinancial trouble. I am a trained psychotherapist and life coach who was hired by a consumer debtcompany to help [...]

Impulsive Spending / Compulsive Spending - Consumer Debt Solutions - Balancing Lives and Checkbooks

Consumer Debt Solutions

This question has been around for decades and still is the one that first pops in to mind after a man, young or old has decided to propose to his love. And of course it is impossible to give an answer that is applicable to every situation and circumstance. However there are some time-tested guidelines [...]

An Engagement You Can Afford - Consumer Debt Solutions - Balancing Lives and Checkbooks

Consumer Debt Solutions

When it comes to getting a new car many people have a hard time deciding whether it is better to purchase the car or lease the car.  Sometime people make the wrong decision due to the lack of knowledge. Advantages and Disadvantages of Buying a Car Buying a car will guarantee that the car will [...]

Buying a Car Vs Leasing a Car - Consumer Debt Solutions - Balancing Lives and Checkbooks

Consumer Debt Solutions

Many of us have a hard time accepting constructive criticism instead of learning from it.  As humans we all have plenty of room for mistakes or to not be as good in certain things as others.  It is absolutely up to you to make the best out of constructive criticism because you can learn so [...]

Take Constructive Criticism Positively - Consumer Debt Solutions - Balancing Lives and Checkbooks

Consumer Debt Solutions

Bad credit cards are aimed at people who have made mistakes in the past. In today’s tough financial environment getting one can be tricky, but the approval requirements for the cards listed below are less stringent. There are three different types available a secured, unsecured, or pre-paid. With an unsecured offer they will usually provide [...]

Bad Credit Cards - Consumer Debt Solutions - Balancing Lives and Checkbooks

Consumer Debt Solutions

When you think of ways that you can improve your overall health, things like cardio, strength training, and eating fruits and vegetables will probably come to mind immediately. Although all of those things are definitely great for you, they are not the only way you can improve your health. In fact, there is probably someone [...]

How a Pet Can Improve Your Health - Consumer Debt Solutions - Balancing Lives and Checkbooks

Consumer Debt Solutions

If you haven’t already seen a copy of your credit report, you should. If you have looked at your credit report chances are that you have found at least one if not many inaccuracies. These inaccuracies although they may seem insignificant can greatly affect your credit score.  Read on for instructions on how to dispute [...]

How to Dispute Items on your Credit Report - Consumer Debt Solutions - Balancing Lives and Checkbooks

Consumer Debt Solutions

Many of us at one point in our lives have to face the monster called stress.  Stress can make you feel overwhelmed, depressed, distracted, moody and tired.  These feelings can affect the way you treat others and with time causing you to loose your relationships with friends, co-workers and even your family.  There are different [...]

Be Successful at Stress Management - Consumer Debt Solutions - Balancing Lives and Checkbooks