What Is Financial Freedom and How Can You Attain It? By Crissy J

Financial freedom or Financial independence is described as a term generally used to describe the state of having sufficient personal wealth to live, without having to work actively for basic necessities. For financially independent people, their assets generate income that is greater than their expenses.

Having the freedom and money (units of opportunity) to do what you please. Financial freedom could mean:

1. Being Debt Free
2. Endless Opportunities
3. Quitting your JOB (Just Over Broke)
4. Answering to no one, but yourself

But why are so many people still in bondage financially? Is it that their job doesn't provide enough? Do they lack education or knowledge on how to become free? Are they mentally trapped by past life experiences? Is it that they enjoy being the "99%" and should blame the "1%?"

To me, financial freedom means, no needs. All my needs are satisfied. Wants are always unlimited. Financially free means, I have the freedom of time to share with my family. Money and material things can be replaced, but time however can not. I don't strive to be "rich" so to speak, but can live with knowing I don't have to worry about money.

I recently read, "Secrets of the Millionaire Mind" by T. Harv Eker and one main principle stuck out to me. Changing your mindset about money is so important. If you've never had a positive outlook on money from lessons learned as a kid from parents, grandparents, or anyone, that mindset usually stays with you when you become an adult. Learning to think as the rich do, can drastically change your views on money.

For example, why is it that we hear all the time about super lottery winners who are broke after just a few years of winning millions of dollars? Their money mindset hasn't been reset. You would think these people are set for life, and financial freedom is on their side, but not so. Because they lack this fundamental principle, they will unfortunately always be broke. Remember, a fool and his money will soon part.
What is going to help you reach financial freedom?

Definitely, not a job. Most wealthy, successful individuals are business owners or entrepreneurs. Not including those who inherited money. They worked their ass off and sacrificed, failed, but kept working until they reached the level of success to financial freedom.

What are you willing to sacrifice for financial freedom? Are you ready to change your mindset about money? Are you ready to put in hard work to reach your financial goals? Most importantly, are you patient?

Financial freedom doesn't come over night. It doesn't catch a flight, take a cab, and show up on your doorstep, knocking. Determination, sacrifice, and never giving up is going to get you on the path to financial freedom. Clearly understanding your "why" will give you the drive you need.

I have found an amazing and easy way to reach my financial freedom. And it comes through internet marketing and blogging. But for me, its about helping others. Helping others achieve their goals and dreams, will help me reach mine.

"Give and it shall be given unto you." is an awesome quote to live by.

Crissy J. is an online social media marketer, hairstylist, and makeup artist. With a background in business finance, Crissy J. offers great advice and info on how to market and grow your business online.

For FREE Instant Access to online marketing techniques, visit my site at [http://www.the100kformula.com]

How to Avoid Repossession Mortgage During Christmas by William Nelson

It's only two months before Christmas- have you been naughty or nice with your finances? This is the question you should be asking yourself before you indulge in any holiday shopping. The New Year is just around the corner, and you don't want to spend the first few months of the year escaping creditors, begging for mortgage payment extension, and avoiding credit card bills. People usually fall for repossession mortgage problems during or after the holidays because they fail to pay their mortgage on time. They make the common mistake of delegating most of their funds to buying gifts, lanterns, and a tall Christmas tree. While they're busy ticking items off their shopping list, the bills just keep coming. Sooner or later, a repossession mortgage problems notice would arrive at their doorstep just before the New Year. If you don't want to end up struggling with your finances during the New Year, you should learn how to moderate your spending during the holiday season to avoid a financial deficit. First, don't buy expensive gifts. The objective of the holiday season isn't to buy the most expensive gifts for your family and friends, but rather to recognize the spirit of giving and sharing one's blessings. This means that you can make do with affordable but well thought-of gifts. If you really want to save on budget, don't hesitate to give a common gift to your family and friends, such as pastries, towels, inspiration books, or other cheap items. Second, encourage potluck during Christmas parties. Answering for the food all by yourself might burden you with too many expenses. Share the burden with your family and friends, and ask them to play their part in holiday events. Don't take the center stage all the time and volunteer to pay for everyone's expenses. Remember, you also have your own budget to watch, so you can't afford to play Santa even to your loved ones. The only people who can take on the role of universal benefactor are usually wealthy CEO's and company owners. If you haven't reached that level yet, lie low and make do with humbl

e contributions.

Third, deposit your thirteenth-month pay and other holiday incentives into your savings account. This is what most people fail to do, because they treat their holiday incentives as budget for buying gifts and spending on parties. Having a secure savings account is a very good shield against repossession mortgage problems. Instead of spending your hard-earned incentives on holiday shopping, deposit them to your savings account so that you'll have even more backup funds. A savings account with a large deposit would also earn more interest. Fourth, avoid using your credit card when you go Christmas shopping. Because of the expected volume of purchases, banks and other financial institutions may quietly raise interest rates while their clients just swipe their credit away. Don't be blinded by credit card promos and plus points- use cash as often as you can. Avoid repossession mortgage problems by controlling your credit card usage, and you'll do just fine.

Mortgage Tips & Shortcut

How Mortgage Modification knowledge avoid foreclosure

Mortgage modification scams are everywhere in every state, especially now that more homeowners are hit by the housing crisis. But the government and major lenders have started taking steps to end them and make mortgage modification a safe choice for any borrower. As a homeowner faced with a dozen choices, the best thing you can do is weigh your options and understand how mortgage modification works. To help you get started, here are some signs of mortgage modification scams you should look out for.
Upfront charges
The government has banned upfront fees from all mortgage modification companies. According to industry guidelines, borrowers shouldn't have to pay a dime until the mortgage modification has been granted. Inquiries are normally free of charge; if you are asked for a deposit, simply say you're not interested and find another mortgage modification company.
Unrealistic promises
Mortgage modification works on a case-to-case basis, so there's no way a company can "guarantee" approval. If they make such promises, chances are they're just leading you on. A good mortgage modification company will first study your situation, determine whether a mortgage modification is right for you, and show you what your options are. The only promise they can make is to do their best to help.
Imaginary experts
Many mortgage modification firms will claim to have an in-house attorney or consultant who goes through all the cases. But if you don't get to see this person, more often than not, they don't really exist-or at least don't do what they claim to do. Make sure you're working directly with the person handling your mortgage modification. If they make any claims from their "mortgage modification expert," don't believe it at face value-ask to see the person or make sure it comes directly from your agent.
Online or phone transactions
A mortgage modification company that tries to do everything remotely is definitely a cause for concern. They must have a physical address you can visit before signing any mortgage modification contracts. You may be able to do an initial consultation online, but you shouldn't commit to anything without talking face-to-face with whoever's going to help you.
Absurd requests
Mortgage modification firms should never request your bank account information or any other personal data. Even when you've agreed to work with them, they can usually get the information they need directly from your bank. Show them photocopies of your mortgage documents if necessary; keep the originals to yourself and give them only to your lender when they ask for it.

Regards;
How Mortgage Modification