​Buried in debt? You're not alone!
​Receiving phone calls from a debt collector can make you sick to your stomach. It's an incessant reminder of how deep you are into debt. These debt collectors call multiple times per day, leave messages, and are sometimes rude to you. It is enough to make you want to put that debt collector's number on a call block app and just be done with it.

Problem is, you will not be done with it, and you will be making the problem exponentially worse. Sweeping your debt under the rug does not help you. It puts you, and your future, at risk. Nowadays, when you go to look for certain jobs, employers look at your credit rating. If you have a poor credit rating, you will not get hired. If you go to lease an apartment or a car, if you have poor credit, you will not be approved. If you are severely defaulting on your student loans, and are desperately wanting to go back to school, you will not be able to. Federal Student Loans are not given out to folks who are severely defaulted on their previous loans. So, if you are looking to finish that degree, you are out of luck.
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One other thing I would like to add, if you are defaulting on your student loans, your interest rate goes up, and they are able to garnish your wages. You don't have to owe money to the IRS to have your wages taken away from you. Student loans can do that to you too!
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Don't let debt ruin the plans you have for your life. Speak with someone today about settling your debt. Most places will be able to work with you regarding a payment plan. As long as they are receiving a payment from you, you will be fine. I have used Lexington Law to help with my debt. You do have to pay a fee to them per month, but they will go to bat for you. They were able to close some of my debt. When it comes to student loan debt, it's a little tricky. I suggest you speak with your debt collectors about your student loans. 

​Life can be very unpredictable. Everything in a relationship could be fine one moment, and in an instant, it could all change. A wife starts showing signs of illness. The wife rests for a few days, but she does not seem to be getting any better. A trip to the doctor, and a few tests later, the doctor reveals that your wife is very ill. The wife will require constant care as she recuperates. It is now up to her husband to care for her. The husband works a full-time job and is now his wife’s care giver. One month later, she notices that he is exhausted and withdrawn at times. She feels terrible about putting him through this. She wonders if her illness is putting too much stress on her partner.

Situations like the one above is fairly common. A spouse becomes ill and unable to care for themselves. A spouse does not want to put the ill spouse in a home, nor do they want to hire someone outside of the family. They decide to care for the ill spouse on their own. With the great responsibility of taking care of a sick loved one, one wonders if this could take the spark out of the relationship.

In 2010, a study at the University of Buffalo concluded that there was a higher percentage of positive emotion for the ill spouse when their 'other half' was actively involved in their care. This means that when a spouse is taking care of the personal well-being of their ill spouse, there is a greater level of comfort between them. Not only is the spouse’s illness being taken care of, but their emotional well-being is also being taken care of. The ill spouse can heal, with the help of the emotional and physical support of the 'other half.'

The study also showed that a spouse engaging in passive care, showed a higher risk of negative emotions between the couple. A spouse that is not active in their spouse's care, can not only hurt the ill spouse emotionally, but it could also hinder the ill spouse’s progress.

If you are the spouse of someone who is fighting a terrible illness, continue to be there for them. Your love and support may be just the thing that saves them.​

​"You only fail when you stop trying."

Have you ever sat around for an entire day, doing absolutely nothing? If so, what happened while you sat there? Did you learn anything, experience anything, or accomplish something? Probably not. You have nothing to report because nothing happened. You failed to embrace any adventures or life lessons. You let life slip past you.
Have you ever felt unappreciated at work? Did it keep you from trying harder? What happened when you stopped climbing that ladder of success? Nothing. In fact, you probably slid down that ladder, landing back where you started. You allowed a setback to prevent you from trying harder at work. Other people got promoted ahead of you, and your superiors started to lose faith in you.

You only fail when you stop trying. This goes in any aspect of life. If you stop doing all of the things you need to do in order to success, not only will you not move forward in life, you will slide backwards, down that ladder, hitting rock bottom hard.

We have to create our own success. No one can hand us success. If you want to be successful, you have to put in effort. You have to keep getting up in the morning, taking care of your loved ones, going to work, working on your own health, and embracing life each and everyday.

This is the only life we have. If we allow failure to take control, we are wasting precious time. Put in the hard work, and blessings will follow.
You only fail when you stop trying!​