Have you ever been sick where you don’t want to move, breath, eat or even open your eyes. Then you start to get better and you are slowly getting back to your self? Recovering after a financial disaster is the same way, a process. After a personal financial disaster, most people are left wondering what to dо nеxt. In fасt, significant financial loss is such an incredible psychological setback to ѕоmе people thаt they feel there is nothing they can do to recover from it. Divorce, ѕuісіdе, job loss аnd other tragic events occur еvеrу dау bесаuѕе Americans find themselves in financial ruin. The first place tо ѕtаrt іѕ to define financial disaster. Disaster can be something totally different for everyone. Just because you’re deep in debt doesn’t nесеѕѕаrіlу mean thаt you’re in complete financial ruin. Different people аrе аll going to have their own interpretation of what it means to be financial ruіnеd, but for the purposes of this ѕеrіеѕ оf аrtісlеѕ I’m going to use my own definition. Here are thе thіngѕ I classify as financially destroyed: * Straight up insolvency. * You ԛuаlіfу fоr сhарtеr 7 bankruptcy. * You just lost your primary rеѕіdеnсе tо fоrесlоѕurе (or eviction because you couldn’t pay rent). * Creditors have seized аѕѕеtѕ, lеvіеd bаnk accounts, and garnished wages. There are probably more things I could рut on thіѕ lіѕt, but I think you get the idea. Financial disaster is just a bad situation. This situation саn be сrеаtеd by any number of factors, too. Business fаіlurе, еxреnѕіvе mеdісаl problems, divorce, inability to pay tax debt, extended jоb lоѕѕ, рооr money management…all of these саn contribute to being broke and belly up. Also, you dоn’t nесеѕѕаrіlу need to be homeless and jobless to be financially ruіnеd. Thеrе аrе very high income earners that get deep into debt, juѕt аѕ there are low income earners that turn into millionaires оvеr time. We’ll discuss how some have allowed student loans to put them in financial ruin later. After defining financial disaster for уоurѕеlf, thе next important step is to take a reality check аnd аdmіt to the fact that you’re there, or are approaching іt. People tеnd to live in denial when it comes to their fіnаnсіаl ѕіtuаtіоn, if they even know what their financial position is аt all. So realizing the problem is one thing, go ahead and cry if that’s your thing. WE have to get past emotions in order to tackle the problem. It’s іmроrtаnt to take stock of where you, including analyzing your income аnd еxреnѕеѕ аnd looking at your assets and liabilities. If that starts tо ѕоund lіkе a budgеtаrу counseling session in progress, it’s because іt іѕ. Yоur fіnаnсеѕ are one of those few things about уоurѕеlf аnd уоur lіfе that you can distinctly quantify, and you can’t figure out how to gеt whеrе you’re going if you don’t know where you are. Now is the time to decide that you want to change your financial health and start your financial recovery.
It is important to maintain low balance on your credit cards as well as pay on time. For better credit scores, you want to have three to four open accounts minimum. Building New Credit If you do not have any open credit cards or good accounts you need to open at least two accounts. We recommend the following: 1. https://www.myjewelersclub.com/discount/25872 2. https://www.creditbuildercard.com/1fcps.html https://www.instagram.com/p/BsS9obWHTq0/?utm_source=ig_tumblr_share&igshid=10np3f98lalgk
Salmon philly is smashing delicious. Great food at a great price. (at The Nappy Chef) https://www.instagram.com/p/BsRJLeOn9Kf/?utm_source=ig_tumblr_share&igshid=1q7khd21swm7b
If your 2019 action plan include a new house, our team can ABSOLUTELY help you check that off your list! Call us anytime - we’d be honored to work with you or your loved ones! We would love to help!!! Let us know if you'd like to start the free process. You never know....you could be ready to buy and you just don't know it. It happens a lot! HAPPY NEW YEAR!!! 🎉🍾💥🏡 https://www.instagram.com/p/BsMD6mcnRMI/?utm_source=ig_tumblr_share&igshid=12yf88p62d95y
Any veterans looking to become a homeowner? We have special programs just for you! Contact me today to find out more! https://www.instagram.com/p/BsIvSASHtCZ/?utm_source=ig_tumblr_share&igshid=ucveexhhfrjz
Experian launch Experian Boost, a free online platform that allows consumers to instantly influence their credit scores. Through the new platform, consumers can grant permission for Experian Boost to connect to their online bank accounts to identify and access utility and telecommunications payments. After a consumer verifies the data and confirms they want it added to their Experian credit file, an updated FICO Score is delivered in real time. Consumers with thin credit files (less than five trade lines) and scores between 580 to 669 will benefit the most from Experian Boost. Experian Boost will be available to all credit active adults in early 2019, but consumers can visit www.experian.com/boost now to register for early access. By signing up for a free Experian membership, consumers will receive a free credit report and FICO ® Score immediately, and will be one of the first to experience Experian Boost. https://www.instagram.com/p/BsIehc9HIYH/?utm_source=ig_tumblr_share&igshid=19hibs3qwr0yr
Today is the first blank page of a 365-page book. Write a good one! First of all, Happy New Year to you and your family... And secondly, if you haven’t had the chance to take a close look at 100 FAMILY HOMEOWNERS CHALLENGE You still have time to before the special coupon expires… https://www.instagram.com/p/BsGJGTpnvTQ/?utm_source=ig_tumblr_share&igshid=biu2k51yfahb
Start the year off right by taking the steps to become a homeowner! https://www.facebook.com/events/318234975450419/?ti=as https://www.instagram.com/p/BsDlua6n8eV/?utm_source=ig_tumblr_share&igshid=1bt59hwmyaw8
Is your credit in trouble? Read the signs below. Please use this link to sign up for help. http://bit.ly/100FAMILY https://www.instagram.com/p/BsDbleJn4h3/?utm_source=ig_tumblr_share&igshid=1n4ldvouufvhy
Start the year off right by taking the steps to become a homeowner! https://www.facebook.com/events/318234975450419/?ti=as https://www.instagram.com/p/BsBORHAnyWo/?utm_source=ig_tumblr_share&igshid=1pga7gmx3or4r
Start the year off right by taking the steps to become a homeowner! https://www.facebook.com/events/318234975450419/?ti=as https://www.instagram.com/p/Br-OAkYnh1t/?utm_source=ig_tumblr_share&igshid=1qqsnsii1bu5r
Bad customer service has been and will always be the death of businesses. If you can't do something just say that. If something is outside your scope say that. If you've overextended yourself and are overwhelmed say that. Do your part so that no one ever has the opportunity to say "That's why i don't support that business." Business owners do better! https://www.instagram.com/p/Br7kix8HxHn/?utm_source=ig_tumblr_share&igshid=b3xwp4mf7cc6
Merry Christmas everyone. We appreciate everyone for participating in the First Class 12 Days of Christmas Giveaways. We are playing Santa to all the parents that need a stocking stuffer for SELF! Tis the season to be grateful and giving. Who's ready to play? LIKE this post and comment ONE number from the First Class Santa bag # between 1 - 4 to receive one of the following gifts below: 1) A $100 hotel savings gift card 2) 3 night vacation voucher for Las Vegas. 3) 5 night vacation voucher for Cancun, Mexico 4) A $100 restaurant coupons . Once you list your number inbox me your email address. Happy Holidays! https://www.instagram.com/p/Br0Iq3cHnNa/?utm_source=ig_tumblr_share&igshid=1eawsko91php
In my opinion, the greatest gift you can give someone is your time. 🎁 Time is our only finite resource, after all, the memories you make with your family and friends will last a lifetime. If you celebrate Christmas, tomorrow I challenge you to: a) turn your phone off altogether or b) put it on airplane mode so you can eat 🍲, drink 🍷 and be merry🍆☔... ...the emails can wait. And if you don't celebrate Christmas? Well, tomorrow I challenge you to do the same... ...because most of us don't switch off like ever, do we? We simply put ourselves on standby. But that eats away at your energy too, ya know - so do what someone who loves themselves would do this season and give yourself a break from the baby that is your business... ...once in a while you need to put yourself first! Now, with that being said, I'm going to love you and leave you with a challenge get familiar with scheduling your content... Hootsuite is free for up to 3 channels. Thank me later... Signed your family misses you... https://www.instagram.com/p/BrybyIAn36K/?utm_source=ig_tumblr_share&igshid=17r3hvzuh0t4c
If you have challenged credit and want to purchase a home... you would be an excellent candidate for the 100 Family Homeowners Challenge (OFHC) . OFHC is a 4 step program that gets you credit ready to purchase a home. The 4 steps: 1. Complete an application. 2. Credit Rehab…this is where your credit will get rehabilitated to get you approved for a loan and any down payment assistance programs if needed. 3. Pre-approval… this where you get a preapproval for a mortgage loan. 4. Closing… this is where you close on your new home! To start OFHC take step 1 and apply! Comment APP to get started! https://www.instagram.com/p/BryHvT9HnVx/?utm_source=ig_tumblr_share&igshid=19s3psski80mb
First Class 12 Days of Christmas Giveaways is in full motion. This is day 12. Tis the season to be grateful and giving. So we have some amazing things lined up for you guys. Who's ready to play? LIKE this post and comment ONE number # between 1 - 100 to be entered into our drawing for all 3 of the following: 1) 5 night vacation voucher for Acapulco Mexico 2) A $300 hotel savings gift card 3) A $100 restaurant coupons For an opportunity to give 2 numbers SHARE AND LIKE this post! Drawing will start at 9pm. https://www.instagram.com/p/BrxZ02jn5VF/?utm_source=ig_tumblr_share&igshid=14w2uwxkbkeek
Love my locs! The 2 in one style works wonders. @thedreadlady @nahlettishdoit https://www.instagram.com/p/BrvcLsKnWa0/?utm_source=ig_tumblr_share&igshid=1bhpjg0dxj2ix
The Process of Financial Recovery. @firstclasscredit-blog - Tumblr Blog | Tumgag
