Tag: Attitudes

Finances: How Your Debt Doesnt Have to Be the

Finances: How Your Debt Doesnt Have to Be the End of You

Are you a woman who is in debt? Whether you have debt solely from attending college, from credit cards, old medical bills, or a combination of them all, you may be scared, unsure, and frustrated. In todays society, with regularly rude calls from debt collectors, you may be feeling as if your debt is causing you to become insane. Yes, it may seem like the end of the world, especially at first, but it is important to remember that your debt doesnt have to the be the end of you.

As previously stated, a large number of debt-ridden women in the United States have problems with debt collectors calling at just about all hours, as well as having rude attitudes. The last thing that you will want to do is allow a debt collector to get you all worked up, no matter how they act or treat you. If you feel that you cannot take it anymore, you do not have to. At any point in time, when speaking to a debt collector, you can simply hang up the telephone. More drastic approaches have been used by women including screening all telephone calls with the use of caller id or an answering machine.

Although you may not be interested in speaking with a debt collector, you may want to think about doing so. Often times, you will find that debt collectors stop calling or at least reduce the number of calls that they place to you once they are able to at least speak with you. So, if you are feeling up to it, go ahead and answer that phone. Just be sure not to make any payment arrangements that you cannot keep. Also, be sure to check the statue of limitations in your state. In some states, such as New York, the statue of limitations on when debt can be collected is six years.

Another one of the many reasons why debt is so stressful and such an issue for many women is because they feel helpless and hopeless when they are unable to pay their debt. What you need to remember though is that there are always ways that you can go about working to pay off your debt, even if it is just a little bit at a time. It may seem silly, but paying off your debt, even if it is only twenty dollars here and there, is likely lessen the burden and stress that you currently feel.

If you would like to get out of debt, but you dont know how, you may want to consider making an appointment with a debt reduction specialist or an accountant. While this professional assistance will cost you a little bit of money, upfront, it is well worth it for many women; women just like you. That is because the professional assistance of debt reduction specialists and accountants may be able to help you get your life back on track.

Although the cost of seeking professional assistance is more than worth it, you may not necessarily have the money to spend. If that is the case, you can still work to get yourself out of debt and settle this stressful issue once and for all. What you are urged to do is examine your spending habits. You may even want to record all of the purchases that you make during one weeks time. How many of those purchases can you live without, even just temporarily? As previously stated, paying off your debt, even in little increments, may be able to help reduce the stress often associated with unpaid debts. So, even if you are only able to save two dollars on a soda each day, that should provide you with twenty dollars a week to put towards your debt.

In short, debt is an issue that many women must face and deal with each day. Although it may seem like it, debt doesnt have to be the end of you, as outlined above.

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Picking Up Bad Habits from Others

You may feel that you have evaded the bad habits that many people have. That is, you feel that way until you catch yourself picking up the bad habits of others around you. The other person may pass on their habits intentionally or not, but they affect you all the same.

You can pick up bad habits from others in the way they eat. If you spend enough time around a person, you will often begin to eat the same way. It is just easier to make one meal and split it. It is easier to go to one restaurant instead of stopping at two. If that restaurant happens to have only greasy foods, you will end up eating things you would not otherwise eat. You are picking up your companion’s bad habits.

Smoking cigarettes is another bad habit you can easily pick up from other people. You sit in the room with your companion evening after evening as they puff away. You gradually either get very sick from it, or you get used to it. You may even come to enjoy it. That is when you are in danger of picking up the bad habit.

Fighting is a bad habit that many couples get into in a relationship. Your spouse may start a fight. You may have no intention of getting into the argument. You may get up to walk away from it. However, your spouse may not let you go. A fight ensues and pretty soon, you are both in it. This may go on over and over until it becomes a bad habit.

In the workplace, carelessness seems to be contagious. If one crew member is irresponsible with the heavy equipment, his attitude can contaminate the attitudes of the other workers. Before you know it, they all have bad habits at work.

Also, if one employee gets in the bad habit of telling everything he knows, the habit can spread. If one tells information about his pay, soon they all will. If one tells private company business, the gossip mill will start churning. The bad habits can get out of control.

If you have the bad habit of practicing one-upmanship, you can lead others to pick up the bad habit from you. A person tells something they did, and suddenly you are telling the better thing you did. Some people will fall into the trap of following your lead and trying to one-up you. This can go on ad infinitum.

Pessimistic people have the bad habit of looking on the negative side of everything. This can rub off on anyone who spends a good deal of time with them. You can only hear about the worst things in life so long before it has an affect on you. You may be next to predict bad times ahead.

Of course, you cannot blame the other person for your choice. That is all up to you. If you want to avoid the bad habits of others, you can do it if you stay strong. Remember that you do not have to always conform to those around you.