Are you financially proactive?

Steven Covey, in his best seller 7 Habits of Highly Effective People writes that the in order to be effective, you must “Be Proactive.”     Don’t blame others for your behavior.  Instead, focus your time and energy on things you can control. PREPARE(proactive) VS RESPOND(reactive) In counseling, the proactive coping approach denotes behaviors in which one will prepare for an event …

How to Make Creditor Calls Stop

Are you one of the many in today’s economy who are falling behind in debt and bill payments?  Have the calls from creditors become relentless?  Do you wish those would just stop? Making creditor calls stop is something that you can do on your own.  All it takes is awareness, persistence and time.  The following is a brief summary of …