Personal Finance Tip:

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Personal Finance Tip: “think about tomorrow”

March 27, 2011 | Posted by Blair Warner | 1 Comment

Fleetwood Mac, in their 1976 song “Don’t Stop,” urged listeners not to stop “thinking about tomorrow” because it would“soon be here.”

Fleetwood Mac’s top five albums alone have sold over 55 million copies. Needless to say, over the years, Mick Fleetwood made a ton of money. However, during all that time, he really didn’t “think about tomorrow.” As fast as the money came in, it went out. By 1984, he was bankrupt.

How does all this relate to you? If you’re like most people, you can probably spend money without thinking about it, but you can’t save money without thinking about it. For Mick Fleetwood, that certainly was the case. Saving isn’t a natural event. It must be planned.

Planning and budgeting require control. Financial planning involves looking into the future, facing financial reality and the sacrifices that it brings, and taking action. Financial restraint isn’t as much fun as spending with reckless abandon, but it’s a lot more fun than winding up broke. The fact is that the rewards of taking financial control are worth the sacrifices. Just ask Mick Fleetwood- he has finally started “thinking about tomorrow.”

It is not directly related to credit repair, but managing your credit and debt well is a major part of planning for your future financial well being.

Hope it helped.

Blair Warner – Credit Expert

What Is Your Story?

February 17, 2011 | Posted by Blair Warner | 3 Comments

I met with a past client the other day whose story inspired me, and I want to share it with you toward that same end — that you will be inspired. At the beginning of this story this person was in her late 30’s, had 3 children (not 2.3) and a hard-working, devoted husband. Things were rolling along uneventful, so to speak, when her husband was suddenly killed, almost instantly, when hit by a speeding car while checking the mail. Needless to say, her life was turned upside down and very challenging on many fronts for a while. Fortunately, Spring comes after Winter, and she is well on her way to a happy ending.

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Everyone has a story. In fact, it is your story that makes you unique. Stories offer the listener a new perspective, new experience, even a new adventure of sorts, while at the same time often sounding a ring of familiarity to each one of us as a common member of the human race. That’s why it is said “everyone LOVES a story” — and stories are not just for children. Look at how many movies and novels are pumped out every year. It is also said that “‘everyone has a story”. What is your story? Have you thought about what you would share with someone if you had 5-10 min to share a story of your life in a way that would leave the listeners …… kind of a “Personal Chicken Soup”? Of course, there are stories of the personal, private nature. I am not asking for stories reserved for those closest to us, but for those that if shared will inspire and encourage. Inspire us! Share it as a comment.

At Upgrade My Credit we get to hear, and be a part of many people’s stories as they come to us with credit, debt and budget problems affecting their financial lives and futures. It is our privilege to help.

Cheers,

By Blair Warner

2011 – still a good time to buy a house! Prepare now!

January 2, 2011 | Posted by Blair Warner | 1 Comment

Well, another year is upon us. I remember last year everyone saying “Let’s Win in 2010!”. Did you win? I’ve been thinking of a slogan for 2011, and the only one I can come up with is “2011 is made in Heaven!”. If you can think of any share it with us.

2011 marks 4 years since the announcement of the end of sub-prime lending, and 3 years since the whole mortgage and real estate industry turned upside down. Many changes have taken place, and this year will see the last of them implemented, for the most part. What does that mean for us. First, it will mark the beginning of a semblance of stability, and people like stability. Most of us like predictability with a dash of adventure, not the other way around. I believe this feeling that things are becoming more stable and predictable again will trigger the move into trying new things again, which is what America needs at the moment.

Hopefully, one of the movements we will see as confidence increases is home buying–especially by first time home buyers. This is still a good time to buy! Rates may go up a bit, but will still hover around 5%, which is a whole percent lower than I got in 2002 for my current house.

If you are thinking about buying a home this year, first get your credit and debt situation worked out. There is no use of looking at houses with your Realtor if you are not sure if you qualify for a home loan. Upgrade My Credit specializes in helping people improve their credit and lower their debt so that they can get a home loan. This can be your year! Give us a call.

Best to you,

Blair
www.upgrademycredit.com