A debt repayment plan is one of the many tools available for a financially distressed individual to use in managing their debts. It bounds to fail if they do not have any idea, proper expense planning or a compelling goal setting to manage their debt repayment journey. Gerard Egan (2013)…

If you’re feeling overwhelmed by anxiety, you’re not alone. These tips and tricks can help you cope with anxiety and get back to living your life. Anxiety is a normal part of life. It’s a feeling of worry, nervousness, or stress about something that’s going on in your life. Everyone…

Financial coaching can be very helpful for individuals who are struggling with debt. Here are some steps a financial coach may take to help someone in this situation: Assess the current financial situation: The financial coach will start by looking at the individual’s income, expenses, and debts to get a…

Self-efficacy is defined as one’s belief in their ability to succeed in a specific situation or task. It is a key determinant of how we think, feel, and behave. Confidence, on the other hand, is defined as a feeling of assurance or certainty about something. …

Some warning signs that a person may be suicidal include talking about wanting to die or hurt oneself, expressing feelings of hopelessness, talking about being a burden to others, increasing alcohol or drug abuse, withdrawing from friends and activities, abnormal mood swings, and giving away prized possessions. The following are…

Are you feeling stuck in a rut? Do you feel like you can’t accomplish anything you set your mind to? If so, then it sounds like your self-efficacy needs a boost! Self-efficacy is the belief in one’s ability to succeed at a task or goal. It’s an important part of…

True insight doesn’t come from thinking or a book. Insight is founded in experience and can be accessed through practice. The most effective practice is that of meditation. Meditation results in clear awareness in the absence of thinking. This is an effective state for insightfulness. How to use meditation to…

Simple yet very effective method to live debt free — Identifying the Cause of Debts It is extremely important to first understand how you got yourself into having debts and what type of debts before formulating a plan to get out of them. …

Getting out of debt is possible and necessary for many, but it isn’t always so simple. The good news is that a debt management program is the way to go. The bad news is that the majority of people don’t have these programs. What you don’t have can change. If…