Credit Card Consolidation for the College Student (entrepreneur organizations)
By Richard MacGrueber
College students often find themselves paying only the monthly minimum payment on each of their credit cards due to limited funds. It is not uncommon however, paying only the minimum payment can lead to outrageous interest accumulation which can cause you to owe much more than you originally charged. Of course, this is what many credit card companies want. It is how they make their billions. Since you are a college student and you are about to enter the real world, you can be smart right now and think about using credit card consolidation to pay down those large balances.
How Does Credit Card Consolidation Benefit You?
The main benefit to credit card consolidation is lowering your monthly payment. All of your credit card debt is rolled up into one payment, which is most often lower than what you had been responsible for paying before with all of your payments combined. Credit card consolidation helps you to lower your amount of debt faster and can also save you money over time. And with your monthly payment lowered, you have more spending money throughout the month to use towards other college related expenses such as rent, books, or even a new computer to use for school assignments. Credit card consolidation is a wise choice for college students who want to enter the real world debt free.
How to Choose A Credit Card Consolidation Lender
There are several choices in lenders when it comes to credit card consolidation. A quick online search reveals about 814,000 results when you search for credit card consolidation lenders. Your first choice should be to speak to your personal bank. If you have good credit and a bank account, you might be able to obtain a personal loan to use to consolidate your credit cards. This option allows you to keep your credit accounts open, which is the best choice. Closing your credit card accounts does not look good on your credit report. The longer you have kept a credit card account open and in good standing, the better your overall credit score will be. If you choose to use a personal loan to pay off your credit cards, be sure to watch out for high interest rates on the loan which could defeat the purpose of credit card consolidation. You can choose to use a debt consolidation company to help you with your credit card consolidation, but you will likely be asked to close your credit accounts. If you have a tremendous amount of credit card debt that you cant possibly pay off without help however, a debt consolidation company may be the best choice for you.
Be Smart About Consolidating Your Credit
If you are going to take the initiative to consolidate your credit cards, be sure to stick to your plan. That means you cannot rack up your credit card bills again just because you have zero balances. Additionally, you must be sure to make your monthly payments on time to keep your credit in good standing. As a college student, credit card consolidation can be a wise choice if you do it the right way and for the right reasons.
Learn how to take control of your personal finances by utilizing credit card consolidation debt management services. Read articles found at the personal finance budgeting portal www.MoneySpud.com
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Money & The Law Of Attraction
By Ann Marosy
First, your creed should always be: “Abundance is My Natural Birthright”.
As inhabitants of our beautiful planet, all we have to do is look around to see that abundance is our natural birthright. Nature is magnificently abundant; rich in color, growth and expansion. There is no scarcity on this planet, except that which exists in our minds.
The belief in scarcity is fundamentally unsound, yet it persists throughout society. All wars, crimes, vandalism, and poverty exist purely due to the belief in scarcity. On an individual level, extensive research has shown that money is the primary issue about which most couples argue.
Consumer debt is the highest it’s ever been. Ninety-five percent of businesses close down within their first five years of operation. All this is due to the solitary reason that we believe there is not enough to go around. Not enough money, love, opportunities, resources, or time.
We often justify our lack by making abundance wrong. “Money causes greed”. “It’s not spiritual to be rich”. If we believe that rich people are greedy or non-spiritual then we automatically prevent ourselves from tapping into our vast resources of creativity to become wealthy.
Money does not cause greed - scarcity does. It is only when we think that there is not enough to be shared by all, that we resort to arguing and fighting over money or other perceived ’scarce’ resources. A Course In Miracles states, “In a world of scarcity, love is meaningless and peace is impossible”.
So why do we allow ourselves to believe in scarcity and lead meager or purposeless lives?
Carl Jung (1875-1961), the Swiss psychologist and former colleague of Sigmund Freud, broke away from Freudian psychoanalysis over the issue of the ‘unconscious mind’.
Jung was one of the first Westerners who introduced the world to the understanding of the three main levels of the mind: the conscious mind, the sub-conscious mind and the super-conscious or ‘collective unconscious’.
Combined with numerous research and empirical studies, we now know that the subconscious mind (which is divided into several layers) is actually designed to deliver what our conscious mind wants. The problem is, however, that our emotional memories are stored in the first level of the subconscious mind.
These memories include all our negative beliefs, thoughts and past experiences. For example, when our conscious mind says, “I want a new car”, the thought pattern is immediately sent to the subconscious to deliver a new car. If, however, there is a negative belief stored in the emotional layer of the subconscious that says “I don’t deserve a new car”, then the thought pattern is immediately rejected.
Although this is a simplistic example, it demonstrates how our unconscious negative patterns, thoughts and beliefs are responsible for creating limitation and scarcity. Therefore, if we eliminate these limiting beliefs about ourselves and our existences, there are virtually no limits to what we can have or do.
When we access the experiences that initially created the negative thoughts held in the subconscious mind and clear the blockages, then over time, as we clear the emotional layer, we eventually reach the blissful state of our super-consciousness, which is divine love, creativity, enlightenment and abundance.
Limiting beliefs and painful experiences gradually build up energy that becomes stuck. Think of something you would like but have had great difficulty in manifesting, and you will immediately feel this ‘barrier’ of energy. Feel its resistance. It often feels like a brick wall. This is simply compressed negative energy.
Robert Kiyosaki has said that you can only have in your life what your ‘context’ can contain. Context is like a container; content refers to what you can fit into the container. If your context is as small as a pebble then the content, or what you allow yourself to have, will be minuscule.
There are two methods that we can use to eliminate the negative emotions, thoughts and beliefs that block abundance from entering our lives. They are called Subtractive and Additive processes.
Subtractive processes include modalities such as breathwork, transcendental meditation, and regression techniques that take you back to past difficult life experiences.
Additive processes include goal setting, creative visualisation, treasure mapping or affirmations. We need both in order to, firstly, eliminate the negative programming that is stored in our subconscious, and then secondly, use the additive processes to create new, positive thoughts and beliefs.
When we follow a path that includes both subtractive and additive processes, we can live an abundant life. However, we must remind ourselves that this is a path, not a quick fix. We need to allow ourselves time and dedicate ourselves to a long-term commitment to love, joy and prosperity in all areas.
There is a wonderful quote from the book, “Creating Money” by S. Roman and D. Packer, which says, “It takes time for the new to come, and many of you quit too soon”.
Ann Marosy is an accountant, consultant, motivational speaker and an ongoing student of philosophy. She was formally the Financial Controller of an Aust subsidiary of the Fortune 500 Company, Jardine Matheson; Finalist of SA Executive Woman of the Year.
Ann is the author of ‘The Money Program: How to Manage the 6 Stages of Wealth’ and ‘Money & The Law of Attraction, available from: The Home of The Money Program
Wake Up Every Morning Full Of Energy
By Hans Thorn
Imagine yourself wakening up every morning full of energy and ready for the challenges of the day. Lots of exciting things are happening and you manage them with success. You turn around the negative to the positive and with the positive you create balance and success within all areas. Would not this be wonderful?
This scenario could be yours, but the question is: Does your life look like this? Most likely most people would like to have a life like this, but the reality for many people is not as positive as the scenario above. A lot of people struggle with bad finances, bad health and bad relationships. How come?
No-one is born with a negative approach or negative thoughts of herself. However, when the years pass by, a lot of people create a negative pattern of thoughts that leads to negative feelings, which always leads to poor results. There is nothing wrong with that and it is pure naturally if you understand the law of cause and effect, where every effect has a cause and every cause has an effect.
The reason for that we think positively or negatively about ourselves and what we can accomplish is to a large extent shaped of what we have seen, experienced and heard as a child. If you have grown up surrounded by harmony, the chances that you have life balance are greater than what you would have had if you had grown up under tougher circumstances. Maybe it sounds unfair, and maybe it is, but you cannot change the past.
However, you can change what you think and feel about yourself now. What has been programmed in your past can be replaced with a new program where you get positive results, all according to the law of cause and effect.
How is this done? The first thing we need to do is to let go of the emotional connection to what causes poor results. To let go of everything that is negative and forgive those who might have done this. Not so much for their sake as for you to be able to be free from the strong bounds that creates your unwished results.
When you then feel free and released from the negative, it is time to program your brain with your dream scenario with assistance of new messages, for example:
1. I love myself
2. I am running a successful business
3. I have many excellent relationships
Read your sentences 10 times each morning and evening during three weeks and continue thereafter with new positive sentences that you want to experience. This will become you new cause and the results will be positive and totally different from your previous results.
Hans Thorn has over 20 years of experience in personal development. He has helped hundreds of clients with success in areas like economy, health and relationships. Get his Personal
Coaching Tips here
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