Get Out of Debt and Stay Out - Forever! , livre ebook

Andrews UK - Lyn Funnell

Découvre YouScribe en t'inscrivant gratuitement

Je m'inscris

Obtenez un accès à la bibliothèque pour le consulter en ligne
En savoir plus

43 pages

English

Vous pourrez modifier la taille du texte de cet ouvrage

Obtenez un accès à la bibliothèque pour le consulter en ligne
En savoir plus

A propos
Informations
Extrait

Description

Warning! This is a hard-hitting, unsympathetic book, full of advice about how to change your life. It's not about making big money. It's about CHANGE.

Sujets

Economie gestion

Informations

Publié par	Andrews UK
Date de parution	27 avril 2012
Nombre de lectures	0
EAN13	9781781662014
Langue	English
Poids de l'ouvrage	1 Mo

Informations légales : prix de location à la page 0,0150€. Cette information est donnée uniquement à titre indicatif conformément à la législation en vigueur.

Extrait

Title Page
GET OUT OF DEBT - AND STAY OUT FOREVER!
Get Off Your Ass - Don’t Let Life Pass!
By
Lyn Funnell

Publisher Information
Get Out Of Debt - And Stay Out Forever
Published in 2011 by
Andrews UK Limited
www.andrewsuk.com
This book is sold subject to the condition that it shall not, by way of trade or otherwise, be lent, resold, hired out or otherwise circulated without the publisher’s prior written consent in any form of binding or cover other than that in which it is published, and without a similar condition being imposed on the subsequent purchaser.
The characters and situations in this book are entirely imaginary and bear no relation to any real person or actual happening.
Copyright © Lyn Funnell
The right of Lyn Funnell to be identified as author of this book has been asserted in accordance with section 77 and 78 of the Copyrights Designs and Patents Act 1988.

Warning!
Before you start reading this I must warn you that it’s not the usual pretty, pussy-footing, nannified, ‘let’s all skip around in a cornfield and make a wish and then we can have everything we want in life’ kind of book.
This isn’t an egotistical ‘Haven’t I done well?’ book about Moi with occasional corny quotes thrown in. It’s a book about YOU!
It’s an honest, hard-hitting, brutal and sometimes rude and insulting book. And if you read it carefully and take on board the things it tells you, it will improve your quality of life.
I’m not expecting you to follow the book exactly. I wouldn’t be that arrogant.
You should use it as a jump-start to get your own brain-cells working and to come up with your own ideas again.
Read it and think, Ooh yeah, that’s a good idea. And then supposing I...?
But if you can’t take being told the truth about yourself, and you have no intention of changing your way of life, don’t bloody well buy it then!
MY LIFE IS A COMPLETE MESS!
Do you feel as though you’ve got yourself into a downward-spiralling situation? Stuck in a quicksand and sinking fast?
Have you lost your job? Your business? Have you had a mucky divorce or a breakup of your relationship?
Have you lost all your savings, having to pay out on all your bills? Have you lost your house, or are you about to lose it? Has your flash car been repossessed? Are you being threatened by creditors and Collections Agencies?
Are you in debt, big-time?
Are you miserable and afraid of what tomorrow may bring?
Has your ‘Get Up and Go’ got up and gone?
Do you find it hard to get up in the morning and face another day?
Aah, diddums!
Now don’t get me wrong; this book won’t make you a Fast Fortune.
But it WILL stop you from drowning, and help you to swim ashore.
At first you’ll be swimming against the current, but you WILL get out of financial trouble if you follow the advice that I’m going to give you.
And if you train yourself to learn to live a different way of life RIGHT FROM DAY ONE, you’ll never get into financial trouble again. Then, who knows? Maybe the fortune will follow.

Debts
Most of us have debts. It’s the way of life in this country. It’s almost impossible to avoid them altogether. We owe tax to the Inland Revenue, National Insurance, rent, rates, the mortgage, water rates, electricity, gas, Council Tax, interest on our current account, car tax, car insurance, buildings and contents insurance, loans, and a few others that I’ve missed. In fact we’re actually encouraged to have them. All of them.
Scary isn’t it?
Banks, Building Societies, Stores and Supermarkets are offering us credit all the time. It makes them a fortune.
Adverts scream, ‘Buy buy buy me now! You don’t need loadsamoney! We can help you to pay in low instalments! Take a holiday! Buy a new car! Don’t dilly-dally! We’ve got a Special Offer!’
There’s nothing wrong with using your Credit Cards sometimes, as long as you’re confident that you have complete control of yourself and you pay the bill off quickly to avoid paying interest. But the trouble is, we’re all being offered far more money than we can afford to repay.
Because of course, we obviously have to pay back a lot more than we’ve borrowed! That’s how the banks and loan companies make their vast profits.
Don’t, don’t, don’t apply for a new Credit Card to pay off your debts!
If you can’t control your spending, take a pair of scissors and cut your cards into tiny pieces and bin them!
It’s very tempting to ‘Live now, Pay later.’ But sometimes it spirals out of control. You then have to, to quote another famous saying, ‘Rob Peter to pay Paul.’
One minute you’re perched on top of the huge, wobbly pyramid, (actually the point can be a bit painful!) and then suddenly everyone appears at the base and starts demanding their money and shaking the stones and before you know it, you’re sliding rapidly down the slope.
What can you do before you hit the bottom? How can you save yourself? Whatever you do, you’ve got to move fast!
You can’t afford to hesitate!
‘I’ll never get out of this mess! It’s impossible!’
Of course it’s not impossible! Everything’s possible. You’ve just got to adjust the way you live.
Three things will stop you from getting out of the mire (That’s the polite version!)
The first is your own arrogance and stubbornness.
If you’re going to read this and say, ‘I can’t do this! There’s no way I’m going to do that!’ There’s no point in your reading it in the first place.
I expect you know the old Sales Saying: FOR THINGS TO CHANGE YOU’VE GOT TO CHANGE.
And it’s as true today as it’s always been.
Maybe it’s your public image that’s got you into this mess in the first place.
Are you a Showoff?
Did you completely overstretch yourself while pretending to be a successful entrepreneur? Did you drive round in a flash car that wasn’t paid for? Did you buy designer clothes? Is your mortgage enormous?
People aren’t that easily fooled, you know! Do you genuinely believe that the neighbours really admired you for trying to live a better life than them?
Well they didn’t.
You might find that they actually prefer the new humble you who isn’t giving them a non-stop ear-bashing about all your latest toys!
The second is your shame.
Forget it. Nobody cares about anyone but themselves. They won’t be walking around, whispering about you and pointing a finger at you.
They don’t care! They’re not bothered. They’re too busy trying to sort out their own problems and pay their own bills.
Everyone has an in-built Collective Amnesia. It’s the only way that humanity can cope with life.
If you mention a terrible tragedy that happened just a few months ago somewhere in the world, sadly we often need to be reminded about what and where it was.
We might have given a donation, but then it fades into history and a few weeks later there will be another tragedy somewhere else. Sad but true.
So who’s going to remember your problems? Only you .
The third is your health and state of mind.
Financial problems can make you feel very low, and stop you from thinking clearly.
Unfortunately, all the things that can temporarily make you feel better, like big fry-ups, chocolate, fags, booze, and (shudder) medication are bad for you, and cost money.
Do you know anyone who has ever been cured of anything at all by taking medication?
Medication controls, it rarely cures. It numbs your brain-cells.
Just read the possible side-effects of any medication that you have in the house now. It should put you off taking any of them. It does to me! I rarely touch any medicines.
Remember; popping pills won’t pay your bills!
Right, before we go any further, I want your full attention.
Go to the loo, make a cup of tea, get a glass of water, and make yourself a salad sandwich. And don’t forget the kitchen roll for your fingers. And maybe to wipe the tears away if you become emotional!
Oh yes, and have a notebook or paper and pen beside you to write down important points so that you can refer to them easily.
I’d like to think that there might be one or two useful little gems scattered here and there!
Are you organised now? Comfortable? Ready to make changes in your life?
Okay, let’s start.
First of all, give yourself a big pat on the back. At least you tried!
All successful businessmen, PRACTICALLY WITHOUT EXCEPTION, have failed at least once. And some of the really rich ones still fail from time to time. But they don’t publicly wail and complain about it; they get rid of that rubbish business and get on with the rest.
The more pies they have their fingers in, the more likely they are to succeed.
It’s the Numbers Game.
You know what they say; Better to have tried and failed than never to have tried at all.
And it’s true. Every time you have a go at something and that plan fails, you’re getting more experienced, and you’ll (hopefully) make less mistakes the next time.
Keep trying. You’ll make it in the end.
Even if you don’t make a fortune, hopefully you’ll discover your level of Quality of Life that suits you, and be happy at last.
If you do hit rock bottom, remember that the only way to go is up!
But first, let’s sort out this minor hiccup in your life.

Procrastination
Most people will advise you not to procrastinate and to sort out all your problems TODAY.
Impossible. Your brain isn’t in a fit state to let you do it.
The best way to sort out your problems is ONE AT A TIME.
Write a list of what you need to sort out.
Before you go to bed, decide on the problem that you will tackle tomorrow.
The next day, tackle that problem WITHOUT FAIL.
Once that problem