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Dealing with The Stress of Debt!
As the Christmas period comes to an end and the New Year begins
many people suddenly find themselves faced with the Credit card
bill from hell! It seemed so easy to "spend, spend, spend" when
out buying all the wonderful presents for your loved...
Debt consolidation…Reduce your monthly debt payments now.
Debt consolidation is frequently becoming a very familiar term used in these consumer frenzy-spending times when everything that is available to purchase is often presented with the availability of a hire purchase agreement.
While the goods...
Debt Management Systems
What is a debt management system, and when do you need it? Like any kind of management system, debt help systems can be good or bad. We will take a look at what you can do to manage your debt better. One element is paying off debt, but that’s...
How to Pay Off Your Credit Card Debt
This method is simple, but requires some discipline.
First, you have to stop any new spending on your cards.
Second - you'll need to examine all of your spending. You'll...
UK Debt Becoming A Cause For Concern
The UK attitude toward debt has received a major shift over the past few years. Where once the UK was seen as a nation that held up thrift as being virtue and considered debt a vice, it has now changed to owing £1.3 trillion on mortgages, credit...
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What Debts Do You Owe Society?
This is a time of year when many people take stock of all that
they are grateful for -- or at least when we should do so. But
this should also be a time when we take stock of all those
people who contributed to those gifts -- especially the
intangible ones. Those gifts such as our self-esteem or
confidence, our love of sports or music, and our spine. What
person or group do you owe the greatest debt? Was there a
special person or group that really helped you become the person
you are today?
Was there someone who helped you believe in yourself and your
ability? Was there someone who taught you to appreciate life in
a new way? Was there just someone who was there so you could
count on them no matter what?
Most of us have been fortunate to have not just one person but a
whole team of teachers, coaches, and mentors who helped us grow
and reach our potential. We should remember to thank those
people again and again as we live the lives they helped us
shape. Even more important we need to repay that debt -- not to
those individuals but to society. How is your debt? Have you
paid it yet or are you still pretending it doesn't exist?
We often hear the expression as it relates to criminals. It is
sometimes used as a euphemism for incarceration. The truth is
though that we all owe a debt to society. Not because we have
done some harm to the community but instead because we have
benefited from someone else doing good.
I am a Presbyterian and our expression of the Lord's Prayer
includes the phrase "And forgive us our debts as we forgive our
debtors". Obviously no matter how good we are and how exemplary
our lives we can never repay our debt to God or his son so that
part of the meaning is rather clear. I also think this means
that we should do good for goodness sake rather than any
potential benefit we may reap from the act.
I also think there is another level of meaning and this comes
back to the central idea of our debt to society. I think when it
comes down to acts of kindness there cannot be a
one-to-one
relationship. Obviously in many cases when a person is in need
of help they may never be in a position to return that help in
kind. But it isn't really what we want or need when we offer
help or kindness in any case.
Whenever I do something charitable, helpful, or kind, I tend to
view the act as contributing to a vast fund of kindness. Many
times in my life I have profited from this fund and very likely
I will continue to profit from it.
One of the reasons I like this concept is that I do think of it
as a sort of fund or bank. The value grows exponentially rather
than incrementally just as money would do if similarly invested.
We should all be grateful for this because the truth is that we
usually don't pay our debt to society.
Most of us will write the occasional check, buy a ticket for
some raffle, and/or spend a few hours working here and there on
some pet project. There are a few who will go much further than
this and spend a large portion of their time, energy, and/or
money for the greater good but they are far too few.
Often whenever we face pressure on our time or finances then it
is our philanthropic activities that are the first to be
sacrificed. I have been all too guilty of this myself. I wonder
what would happen if we reversed this and instead put helping
others first rather than last?
My challenge to you this week is simply to find a way to add to
our goodness fund. Borrow from the concept of "Pay It Forward".
When someone offers you a helping hand then be sure to pass the
favor along at the first opportunity. Don't pick and choose.
Don't balance your checkbook first. Don't take the easy path. Do
what is right. You will know it when you see it.
About the author:
Deanna Mascle is an inspirational freelance writer. You can find
more inspiration at Inspiration by
Dawggone and her inspirational ezines Words of Inspiration
Online and Daily Quote
Online.
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| What debt relief means for Africa | csmonitor.com |
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