Read An Opinion On:
Consumer Credit Counselling is Excellent — But is More Needed?
by
Ashley Hamilton-Gray
People are seeking consumer credit counselling today in ever increasing droves. Organisations such as the Consumer Credit Counselling Services (CCCS) in the UK offer an excellent service to clients who have somehow got into financial difficulties and are being hard pressed to meet demanding creditors. From past personal experience I found their sessions to be both highly informative and personally liberating. Even in the space of an hour’s session there can be a great sense of relief in knowing that someone understands your position, has probably been there him/herself, and is offering you very practical debt solutions with authority. Add to this your own personal CCCS case number and you suddenly feel much better equipped and able to deal with your often very persuasive, and occasionally downright manipulating bank creditors.
In the main though, banks are generally sympathetic toward anyone who shows willing, (especially someone having already taken the first step of seeking credit counselling), and will stretch to accommodate your current circumstances when they see that you are standing firm. Your firm stand needs to include both your wholehearted acknowledgement of the debt, (including a determination to always give them at least a token payment each month), and your resolute insistence that you are unable to pay more than you actually have. The firmer your stand, the more empowered you will feel — and the better able you will be to negotiate your position, easing your situation through with dignity and respect.However, many are still seeking the alternative to this nurturing self-empowerment by desperately seeking to borrow more money. By borrowing from Peter to pay Paul, they are effectively not only burying their heads in the sand, but could also find they are financially digging their own grave!If you should find yourself in a position of being financial overstretched, you need to give careful consideration to how you decide to proceed. You might want above all to keep credit worthy, but remember that self-worth is ultimately not dependent on your ability to locate and procure funds, (funds that will eventually need to be repaid). Rather, your self-esteem and worth depends on your ability to resourcefully resolve your financial situation, (having at least that bit more coming in than going out), and ensuring a relaxed sense of being okay with life — including finances. It is imperative therefore to think very soberly, giving yourself time to consider the long-term effects, both on your finances and on your self-worth, before taking on further debt.To develop this kind of self-esteem will understandably involve curtailment of spending, (possibly severe), some kind of financial planning, and a firm commitment to carry it through. All this could require an amount of self-control and self-discipline, or at least some change in patterns of thinking and behaviour around money.It has generally been found that in order to effect such serious changes a diligence and consistency is required over at least a three or four week period, until new patterns emerge and are established. Also the more acutely radical and original such new ways of thinking are, the more effortless the changes, and the more far reaching their effects.Considering the commodity of money, and the predisposition for an individual to get him or herself into severe financial difficulty, it has to be understood first and foremost that the issues here are not about money per se. These kind of compulsions run much deeper, and require resources beyond the scope of basic debt counselling. There are, however, uncomplicated yet extremely effective ways to address these complexities; ways that require neither painful probing nor meticulous analysis.Through mindfulness and self reflection a clarity can soon be achieved that is powerful enough to jettison the baggage of a disconsolate past, and accelerate a totally new vision — one of elegance, grace and style.If you are someone who happens to find yourself on the edge of yet another loan crisis, why not give consideration to the idea that you might actually be on the brink of your own personal Renaissance? It’s all a matter of perspective — and the choice is yours!
To learn more about various ways to Really Empower Yourself toward money visit the http://www.cashflow-problem.com website. . . You really are worth it! (Just copy and paste the url address into your browser)
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Consumer Credit Counselling is Excellent — But is More Needed?}