Recovering from addiction is a long struggle, one that extends beyond a body free from substances. Recovery is a healing process that reaches out to your relationships, your mental health, you career and even your finances.

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The current world wide recession has seen many find it hard to maintain their lavish lifestyles. To some people it has become even difficult to meet their daily needs. Things that before were needs have now become wants since they are no longer affordable and someone has no choice but to live without them, all due to the economic recession.

It has therefore become imperative for people to find ways to transit from this lavish lifestyle smoothly in order to at least meet the basic necessities of life. It can prove to be quiet a task especially where children are involved, they may not understand why things have changed drastically hence as a parent you need to explain to them exactly what is happening. (more…)

Some of the most powerful tools on the Internet today are the various debt calculators. Yet, it can be surprising to learn just how few consumers actually use them. Debt calculators are exactly what they sound like. They are online calculators that can help consumers better understand their loans. The nifty part about them is that they can do a lot of various chores for those who use them.

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There are many people that have studied finance thoroughly and know just exactly what they should do with their money. This is fine and well when you have some money to do something with. There are just as many of us who work jobs that do not leave us a lot of extra cash after we meet all of our obligations. Many times we feel lucky just to have enough to scrape by from week to week.

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Like so many people in the world I have tried a number of ways of making “big” money. There are plenty of money making formulas out there, some good and some not so good. God knows more than a little about financial prosperity and He desires that Christians prosper. However, He wants them to prosper His way.

He desires that instead of looking to formulas we as Christians should look to Him and not to a formula. In other words He wants us to shift our strong driving allegiance from money making pursuits to a deep relationship with Him. Are you seeking to know Him intimately? He says in Matthew 6:33, “But seek ye first the kingdom of God, and His righteousness; and all these things shall be added unto you.”

The Lord gave me a revelation of this scripture and showed me if I would seek Him and put His agenda first place in my life then prosperity would be manifested to me. (more…)

There are several different significant things that can really take a toll on a marriage. Usually we might think that infidelity would be at the top of the list, but ranking right up there along with it is the state of the finances in a marriage. It is the root of a lot of divorces, especially these days.

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ccording to Rice, “Many of the problems that plague huge multinational corporations are often the same problems entrepreneurial-type businesses face. We can see on a national basis what happens when businesses take their eye off the ball. Small businesses cannot afford to make these mistakes…there’s no government bail-out for small business.”

Rice offers small businesses owners tips on how to grow and flourish as the market recovers:

Always be aware of your competitors and their plans. Many of the problems that Chrysler and GM face today could have been avoided with an aggressive plan to address their Japanese competitors 30+ years ago. By not addressing costs, quality and management/labor relations aggressively, they left the door open for foreign competition to get a foothold that should have been much more difficult to obtain. Small business owners MUST periodically (at least annually) sit down and do a competitive analysis of your industry. Look at your competitors’ advantages and determine whether you need to do something now to address it. If you have lost business to your competition, find out exactly the reason they left. Do NOT assume you know why, ask them directly if possible. If you hear a trend of reasons, you better take action quickly. (more…)

In this age of heavy expenses, unemployment, recession and economic crunches all around the globe, financial planning must be an important and necessary part of our daily lives, but it is completely neglected by the care-free world of people. We often spend our money on things which do not have any practical use and are just placed in the market to fetch money out of the pockets of the public. On other occasions, we spend a lot more than the worthy price of an item, just because it has the brand name and because it is “IN” these days. After displaying such acts of negligence on our money, we reach the end of the month in a situation where taking debt becomes necessary.

The above mentioned situations arise because we never bother to plan out our finances. To us, this activity is just a psychological satisfaction and a waste of time. Little that we know, such planning can save us lots of money both in the short run and long run. Whether you are a business man or doing a 9 to 5 job, whether you are a student who is trying to save some extra pocket money or a professional who is foreseeing a new house in the near future but is unable to save cash, the following tips will help you in organizing and planning your finances:

Monitor your spending:

Make a habit of taking out the list of all the goods and services on which you have spent your money; perform this activity daily. It is just like a daily workout plan. If you find it difficult to perform this activity on a daily basis, try doing it weekly. Make a list of items that you have bought. This list can be classified in the categories of essential outgoings, everyday spending and occasional spending. After monitoring, check whether you are spending less than your income or not. Monitor the areas in which savings can be improved. (more…)

Installment loans allow you to have more flexibility in dealing with your finances. At this day and age where everyone seems to be bothered by how much they are earning and how much goes to the different needs and wants, it is important that there are ways for people to get the money that they may need.

There are a lot of available resources for you in terms of borrowing money. Installment loans are some of the easiest and most convenient ways for you to get the money that you need. With this kind of loan, you would have to pay periodically. (more…)

With the way our economy is fluctuating, it’s no surprise why many of us today are falling into debt and are struggling for a way out. With the blooming industry of consumer credit counseling service, thousands of people have managed to avoid filing for bankruptcy and managed to set their finances straight. If you find yourself drowning in a pile of bills and outstanding dues and you just don’t know how to handle it, turn to CCCS.

This service is a debt elimination service that has many advantages and debts that would encourage you to invest in. First and foremost, it helps you eliminate debt! They take the time and effort to go over your personal expenses and sort out a payment scheme with your creditor to help you free yourself from debt. Also, they can help you with harassing collectors and divert those calls to their company so that you’d have stress free weekends.

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