Tough Times Call for Tough Actions

Here is a great quote by Carl Jung:
“Who looks outside, dreams; who looks inside, awakes.”

We all have dreams but how many of us actually get the opportunity to live our dreams.

Sure sometimes its hard to live our dreams and believe it or not we actually have to work at it.

It’s not as easy as saying affirmations everyday and then magically one day all your dreams come true.

As important as it is to work for your dream it is also important to take a look inside yourself and see what makes you tick, and what makes you, you.

You will often hear people say, “Tough times call for tough actions.”

If you are having a tough time (whether it’s money issues, happiness issues or health issues) it’s time to look inwards and be tough on yourself.

Start making small changes with your diet, exercise, saving money and/or surrounding yourself with positive people.

All your “ducks “ don’t have to be in a row to begin making changes.

You just have to start!

Universal Default Clause! What Did You Say?

You might be wondering what I am talking about. It sounds like made up words.

This is a clause that is underwritten on some of your credit cards. It’s written in a small font and stuck somewhere in the midst of all the small writing when you receive your credit card agreement.

The “Universal Default Clause” is dangerous. When you are late on paying a credit card you will be charged late fees. But with the “Universal Default Clause” if you are late paying any credit card (that’s not a typo, I said any credit card) or any type of loan (mortgage, auto, student loan, department store, etc.) your credit card company will charge you a late fee and automatically increase your interest rate possibly up to 30%.

Your action step right now is to call all your credit card companies and find out which ones have a “Universal Default Clause”. If your research reveals your credit card does have this clause take the proper steps to change it immediately by paying off the card or transferring the balance to another credit card.

If you have payments on loans that are due every month consider automatic withdrawal from a credit card without a universal default clause (that you pay off every month) or from your bank account. This will avoid late fees, which can affect your credit score.