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I Hate Debt Homepage Section 1 A Look at Debt History of Debt Credit Card History Current State of Debt How You Got Into Debt Good Debt Bad Debt Business vs. Personal Debt Section 2 Dealing With Your Money The Two Step Plan Doing The Two-Step Step One Step Two The Paths Out of Debt 1- Create a Debt Payment Plan 2- Neogtiate Better Rates & Terms a.Consolidation Loans b.Consumer Credit Counseling Services 3- Negotiate Lump-Sum Settlements 4- Bankruptcy 5- The Easy Way 6- Win $1,000,000 Living Debt-Free Manage Your Money Make More Money Save Money SameMoney-MoreFun Stay Debt-Free You as a Business Section 3 Dealing With Your Creditors Alerts/Scams The Credit Industry Credit Industry The Fine Print The Secondary Debt Market The Debt Collection Process Original Creditor The Charge-Off Collection Agency Legal Problems Dirty Creditor Tricks Dealing with Debt Collectors Dealing with Debt Collectors Statute of Limitations Cease and Desist Letter Section 4 The Credit Report The Credit Report Credit Score Credit Repair Section 5 Dealing With Yourself The Critical Factor The Art of Prosperity The End of Failure Prosperity Coaching Section 6 Kids and Money Kids and Money How to Pay for College Section 7 Debt Information Bookstore Debt Facts Radio Show Resources About Us Privacy Policy Site Map If you find this information helpful I ask you to contribute to help me help more people. You can contribute through PayPal by clicking on this button Or you can mail in your contribution.	The Art of Prosperity Lesson 3 Being Prosperous Here and Now Prosperity in the Present Tense To give yourself the best opportunity to live a fulfilling life you must have balance between the past, the present and the future. You must make peace with the past by forgiving those, including yourself, who have caused you turmoil. You should have a goal and a clear vision of where you’d like to go and what you’d like to become in the future. But most importantly, you must live with a passion for the present. Into everyone’s life will come joy and sorrow; no amount of planning will prevent your life from challenges. But by living in the moment, caring for yourself and giving of yourself to others you will find that the riches of life are here for you every single day. The Next Lesson In the next lesson you’re going to learn how to train yourself to look for and find more money. The world is not only filled with riches it is filled with money too. Money is everywhere; you can learn to attract and keep more. Lesson 3 Exercises Exercise 1: Being Honest With where you’re at now. What does it really take for you to live every month? Spend some time and determine exactly where you are at financially right now. Determine what your net worth is by writing down what you have and subtracting what you owe. Determine what it costs you to live for a month. Make a list of your regular monthly expenses. Be sure to include expenses that you incur only once a year, like birthday expenses and license renewals and divide by 12. Also include occasional expenses like haircuts, and clothing purchases. Determine how much you spend per year and again divide by 12. To be even more accurate keep track of how you really spend your money for a week. Write down everything. You may be surprised how much you spend on stuff. Multiply times four for a monthly amount. Determine what your income is for a year. The more honest, the more complete you can be the better off you will be. Exercise 2: Imagine yourself rich. Using all your senses spend fifteen minutes a day for a week vividly imagining yourself being wealthy. Plan in advance what it would look like, what it would feel like, sense of touch, what it would smell and taste like and what emotions you’d be experiencing. Make it as real for yourself as you can. The more real you can make it the sooner it will become real. Exercise 3: The handwriting is on the wall. Write an affirmation at least 25 times a day. Use emotion when you write. Engage your body with aerobic exercise and chat your affirmations. Exercise 4: Your prosperity theme song. Write a positively worded theme song. You can write one for each trait you’d like to learn. Sing your song, record yourself singing and listen to yourself singing until you can’t get the songs out of your head. On To Lesson 4	To read The Art of Prosperity please use the links on this side. The Art of Prosperity Introduction Lesson 1 Lesson 2 Lesson 3 Being Prosperous Here and Now Page 1 Page 2 Page 3 Page 4 Page 5 Lesson 4 Lesson 5 Lesson 6 The Invest In Your Debt Online Seminar will teach you how to transform your debt from financial burden to financial opportunity. Then show you how to build personal wealth and achieve true financial freedom. Get a fresh start with money by listening to Carol Tuttle's energy clearing "Creating Money" CD. You'll find it in her Store under Live Presentations CD and DVD. The Millionaire Mind Intensive seminar will help you uncover your personal money roadblocks. Then it will help you create unstoppable success strategies.

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