I have a very difficult task to perform here.
I am not a professional writer, but I want you, my readers, to get my point.
Then you will be able to understand the "Why" you ask yourself often.
I will do my best to explain something that is hidden and operates underground.
However, it is the creator of all your problems and circumstances - even the credit card debt and even the foreclosure.
I will try to reveal the real cause of your financial worries.
Let us start with an analogy.
Imagine someone having a heart attack.
He is taken to the hospital and he receives a bypass.
The heart is saved and the overall condition is all right.
Now, at this point, the doctor talks to the patient about changing his lifestyle and diet.
It is urgent and the patient has to make choices now.
The first choice is to continue with the old habits - bad McDonald's Diet, not exercising and keeping miserable existence.
The second choice is to change everything - healthy diet, good exercise program and joyful living style.
The first choice is easy - keep doing what he has being doing.
The outcome is sure - another heart attack or worse.
The second choice is a challenge.
It will require a high discipline and persistence.
But the second choice leads to life and freedom.
This is the same situation with the credit card debt or foreclosure.
If you decide, you can have a surgery performed (bankruptcy).
But it is better to avoid it.
Another option is intensive treatment - settlement, zero percent payment plan, modification, short sale etc.
You can do it or someone can do it for you.
This someone will charge you thousand of dollars in fees.
The best solution is to start treating yourself and changing your lifestyle.
But, here is the big question: how to change a lifestyle? We all operate by running our individual, unique software.
This software is our beliefs.
In order to change our lives we have to dig deep down, recognize which belief is operating in our life, and replace it with a new belief.
Are you brave enough? Are you strong enough? Will it cost too much not to? If you answered yes to these questions, then you are ready.
Changing your beliefs is the ultimate way out to freedom.
I suggest you ask yourself some questions about money.
For example: Are you afraid of having money? What did you hear your parents saying about money? Do you feel able to make money and keep it? You can take a minute and come up with more of those kinds of questions.
These questions will help you uncover some of your hidden beliefs.
Then, once you spot them, you have got them.
The next time when an old belief comes up, you recognize it and let it go.
Develop the watcher in you.
This is the first step towards your new life.