Are you affected by all of this?

Many people are unable to pay their mortgages, credit cards, car payments, health care or even their daily living expenses. There is just no way of even thinking about saving for college for the kids or funding  our retirement. Do we really know, if we’ll  have a job next week  or next month, or if our employer will lay us off? It’s quite scary out there and most people I know,  are affected by all of this in some way or the other.

On top of that, we cannot really trust our banking system or our insurance companies either these days. Do we know,  if the investments we might still have are actually safe? If we have a 401K, which is really  a 201K now, how can we even catch up with all the losses? Of course, we don’t know and that is always the hardest place to be in. “Not knowing” creates insecurity, worry, and  “Angst “.

Why are we in debt in the first place? For starters, there are thousands of companies whose sole goal is to separate us from our hard earned money. It’s  very hard to resist. We have been convinced over time,  we will not be accepted in society if we do not have the latest gizmo, the largest flat screen TV or drive a certain car. What is the reality though? Status is often a “Debt creator”.

Let’s take a good look at what our “needs” and what our “wants” are. We all know the difference of course. And, there  are only two ways how we can change our financial situation if we are in debt:

It’s either lowering spending or increasing  income.

Fast forward,  here we are. We lowered our spending dramatically, stopped most of the “wants”  we’ve loved so much in the past. The frequent visits to coffee shops, big box stores, sports events, weekend getaways, concerts, bars and restaurants. Just about everything has been cut.  We know, there was no real “need” for all those adventures, yet life seemed to much more fun with them, right?

Now, we sit at home at night and watch TV, feeling depressed and deprived. Some might have taken on another job, just to be able to keep paying their current bills. Because of it, our valuable time with family and friends have been limited even more.  And of course, we worry constantly if we will get through it all.

Where do we start to change our situation? First: Believe that things will change. As hard as it seems, we need to get to a more a positive attitude. That begins with ourselves. Even if everything looks extremely bleak at the moment, believe in the possibility that we can get through this and come out  better and stronger people.

Forget the past. Forget mistakes, there is nothing we can change about it anymore.  Let’s accept responsibility to where we are now and move on to better and greener pastures.  My personal advice?

Shift to a positive attitude. Think about something you’re good at. Say something positive to yourself several times a day. Be nice to the people around you. Think about your dreams, they’re still there, just a little bit delayed for the moment.  Give yourself permission to start over and soar to new heights that never  even seemed possible before.

And remember:

“Aim low in your life = boring! Aim high in your life = soaring!”

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