There's something about shopping during the holidays as I watch
consumers being attacked by exuberant cashiers pushing their
store's credit card that gets me concerned for those trying to
build a solid life after bankruptcy.
Laptop Battery These clerks seem to be unaware of how careful individuals have
been all year to build their life after bankruptcy; by watching
what they spend, and how easy it is to go over budget. Offering a
"credit rebuilder" a new card is like offering a recovering
chocoholic a gooey double-fudge brownie supreme.
According to the indictment, Jones would steal various IBM and Penguin computer servers from Verisign's warehouse in Virginia and sell them to Johnson. Johnson would then sell the servers to several individuals, who would sometimes place them for sale on eBay. As a result of this scheme, the indictment alleges that Jones and Johnson caused Verisign to lose more than $120, 000 worth of computer equipment. In the indictment, Jones and Johnson are charged in three counts with causing the interstate transportation of stolen property, namely IBM 330 and 335 servers, in violation of 18 U.S.C.
Thinkpad The holidays bring about mixed feelings among my clients: joy,
anxiety, fear, sadness..not any of it relating to the reason for
the season.
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Microsoft Rebuilding your credit and creating the life after bankruptcy
that you desire is a difficult tightrope balance between moving
forward with your life and not ruining the upward progress of your
credit score.
Ideally, when it comes to rebuilding your credit you want utilize resources that are specifically designed for people who need help after bankruptcy. For example, I wrote After Bankruptcy Credit Solutions exclusively for people who need help after bankruptcy when it comes to credit and loans. Of course, rebuilding credit and increasing your credit score are key parts of the book.
Laptop Computers Holidays mean gift-giving gatherings with sometimes hundreds of
people, if you total them all up. Pressure rises when the office
party committee asks us to pitch in for gifts for management.
While dealing life with your laptop notebook computer, people suing with their laptop because laptop
Laptop Computer Your head starts spinning when you think about how your extended
family has grown and how they will all exchange presents Christmas
Eve at your house this year. You finally feel the wind knocked out
of your sails when the cashier tells you that you can save up to
25% on your purchase if you apply for their wonderful store credit
card.
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Desktop Computer Just remember and keep this thought at the front of your
mind...creating the desirable life after bankruptcy is the
objective, not the savings of 25% that is surely to be out of our
original budget anyway.
Notebooks As someone who has recently discharged a bankruptcy and is
trying to rebuild life after bankruptcy as well as create a high
credit rating, should you respond to such a sweet, seductive offer?
(Twenty-five percent off purchases, after all, would give you the
extra money to buy Aunt Millie that deluxe food steamer!)
Lenovo But here's what I teach as a financial counselor from Credit Is
Key: though it is much easier said than done, do NOT apply for any
credit cards during the holiday crunch.
Hard Drive Every financial move should be the result of planning and
preparation for your life after bankruptcy - not suddenly caving in
to pacify the salesclerk - or Aunt Millie. If you say "yes," then
the store will make an inquiry on your credit.
Travelstar Did you know that even a couple inquiries will actually hurt
your credit?
Gateway Rebuilding your life after bankruptcy requires inner strength. A
strength you have been nurturing and growing since your discharge.
A strength that is given a boost by having a specific goal in mind
and a planned strategy in place; building a wonderful credit rating
to enjoy your life after bankruptcy.
Laptop Parts Help yourself! Instead of falling into the
"get-a-credit-card-and-reduce-your-spending" trap, try these ideas
for holiday savings --- without inquiries or damaging rejections.
Always remember the objective...improve your life after bankruptcy
by improving your credit rating!
Software . Let's get back to sweet Aunt Millie. Do you really think she
cares what gift you give her? Your friends and family care more
about you, your life after bankruptcy and your financial future
than any gift you could bring. Aunt Millie would be delighted with
any small token of affection and would much rather have a visit
from you than to have you depressed or bankrupt again.
. Christmas cards are expensive, consider sending e-mail greetings
or holiday cards.
. Many people would rather have an old-fashioned, hand-made gift
than an expensive gadget. Consider these hand-crafted, thoughtful
options:
o Frame your favorite photograph of you and the recipient; group
several snapshots in an inexpensive frame. Your life after
bankruptcy is much more important and this gift lasts
forever.
o Instead of buying each other gifts, go out to lunch or dinner
together.
o An alternative to giving every member of your family something is
to suggest doing a "Secret Santa" gift. Each person buys just for
one other person, instead of a whole family. Remember, creating
your ideal life after bankruptcy does not have to be an "ordeal",
the Secret Santa method is fun.
o Celebrate the winter holidays with a holiday "spending freeze."
Set a limit, remain committed to your life after bankruptcy and
don't go over it. Agree to keep your spending at this level for the
next several years. Part of the joy is in which friend or family
member can be the most creative or find the most interesting gift
for under $10.00. (Talk about friendly competition! You'll probably
laugh a lot more than if everyone had given fancy, store-bought
gifts!) You see, creating your ideal life after bankruptcy does not
have to be boring.
o If you can cook, present a coupon for a delivered dinner or
casserole on a certain night. Send cookies in February or a cake on
a birthday. (Sometimes people need and appreciate these things more
at other times of the year than they do at Christmas.)
o If you're creative, call a day with your family to make presents;
handmade stationery or notecards, hot chocolate or spiced tea mix,
painted t-shirts, or slippers embellished with buttons, ribbons, or
initials, embroidered dishtowels, or create a scrapbook of family
stories and quotations. Many clients gain huge perspective during
their life after bankruptcy regarding the true meaning of
holidays.
o Instead of buying a lot of unnecessary items, buy each person one
nice gift. (You'll be surprised how those tiny little "filler"
presents add to the budget!)
o A family favorite, even if you aren't trying to stay within a
budget, is to create a "Gift Coupon Book", regardless of your life
after bankruptcy commitment. In it you can entitle bearer to free
breakfast in bed, a leisurely Saturday without kids, and even
'wildcard' coupons that let the bearer fill in the gift.
Hard Drives Make sure you know your receiver well if you intend to include
the last category!
Electronics The offer to get a credit card may be appealing, but in the
long-run, enjoying the holidays, your family, (especially that
sweet Aunt Millie!) your friends, and knowing you stuck to your
plan of rebuilding your life after bankruptcy, control over your
finances, is much more rewarding than a smile on that cashier's
face.
Canon For those needing their own strategy to rebuild credit and their
life after bankruptcy, join the Credit Is Key membership website.
Members enjoy access to many life after bankruptcy rebuilding
resources, including a FREE e-course on strategies to quickly and
effectively rebuild your damaged credit.
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About The Author:
Desktop Computers Join the Credit Is Key membership website and receive a FREE
e-course to use our proven strategies to rebuild your credit and
your life after bankruptcy. Click now to rebuild your
life after
bankruptcy.
Think Pad Mary came by her after bankruptcy credit knowledge the hard
way....walking through the process all by herself, making all of
the decisions and those subsequent mistakes! After muddling through
a sea of resources, she began weeding out the legitimate advice.
Mary joined up with Credit Is Key to help spread the word to people
rebuilding their life after bankruptcy.
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