On Sunday the Universe sent me to ‘The Total Health Show’ in Toronto. What a day! I spoke to an American Buddhist who believes that Buddha is living covertly in the States making CD’s at a cost of $39.99 each. I had a very aged gentleman dressed in a blanket held together by a rope tell me exactly who I am just by reading my aura and I bought a rosemary concoction that will apparently rid me of migraines in a month.
By far, the best part of the day was having a chat with a very handsome man about positive vibrations over an organic, vegan, gluten free burrito. According to this handsome man life is not about accepting the hand you’re dealt, it’s about creating your own reality through positive thinking. Whenever we are in direct vibration with the Universe we get whatever we ask for. If we’re not positively aligned to the Universe we don’t get what we want.
Whilst I find this line of thinking slightly offensive, what I did take away from our conversation is what most of us already know; thinking positively feels good and thinking negatively feels bad. For example, which of the following feels better?
The negative reality: After I pay my bills I only have $40 left for myself. What cruel fate is this?! I hate my job, life is so unfair and I suck! The feel good factor: I've paid all my bills and look what I have left over...$40! Awesome! This $40 is just for me, I can do with it whatever I want to. I'm so lucky to have a job! I'm so lucky to be able to stand on my own two feet! I love my life! I am amazing!
The negative reality: My kids are like demonic alien leeches on my finances. I read that it costs $300,000 to raise a child. I could buy a Ferrari with that! If my kids weren’t in hockey I’d be able to vacation in the South of France every year. The feel good factor: I’ll have to get back to you on this! Maybe some of you out there could spin this in the comments section.
The negative reality: I’m in debt to my eyeballs! Mastercard has screwed me big time! Those corporate pigs just kept raising my limit and in doing so forced me to spend. I am no match for ‘the man.’ I am in debt because of irresponsible lending. The Government bailed out the fat cat on my tax dollar but who’s bailing me out?! The feel good factor: I’m an intelligent, awesome individual and accept that I would benefit from some help in the financial department. I may have lost my way but I want to get back on the right track and know that I can. I can do this with the services of an amazing not for profit credit counselling agency so I will call Credit Canada. They will help me because I’m ready for help.
It’s true, beating yourself up feels awful yet most of us are very skilled at it. Instead of lying wide awake at night feeling sick to the stomach at the thought of collection calls and due by dates and telling yourself that you’re a failure, think to yourself I can fix this and know that you can with our help.
Please call us right away because the handsome man also told me that if I help others find inner peace the Universe will reward me and I'm asking the Universe for him!
Frequently Asked Questions
Have a question? We are here to help.
What is a Debt Consolidation Program?
A Debt Consolidation Program (DCP) is an arrangement made between your creditors and a non-profit credit counselling agency. Working with a reputable, non-profit credit counselling agency means a certified Credit Counsellor will negotiate with your creditors on your behalf to drop the interest on your unsecured debts, while also rounding up all your unsecured debts into a single, lower monthly payment. In Canada’s provinces, such as Ontario, these debt payment programs lead to faster debt relief!
Can I enter a Debt Consolidation Program with bad credit?
Yes, you can sign up for a DCP even if you have bad credit. Your credit score will not impact your ability to get debt help through a DCP. Bad credit can, however, impact your ability to get a debt consolidation loan.
Do I have to give up my credit cards in a Debt Consolidation Program?
Will Debt Consolidation hurt my credit score?
Most people entering a DCP already have a low credit score. While a DCP could lower your credit score at first, in the long run, if you keep up with the program and make your monthly payments on time as agreed, your credit score will eventually improve.
Can you get out of a Debt Consolidation Program?
Anyone who signs up for a DCP must sign an agreement; however, it's completely voluntary and any time a client wants to leave the Program they can. Once a client has left the Program, they will have to deal with their creditors and collectors directly, and if their Counsellor negotiated interest relief and lower monthly payments, in most cases, these would no longer be an option for the client.
