You hit the stores in search of that something special that you’ve always had to have or you just can’t live without, you search high and low for that most important possession. You spot it on a shelf tucked way inside behind other merchandise. You grab it and you can hardly believe your eyes; it’s in pristine condition what a bargain.

You’re so excited you can hardly contain yourself you rush to the checkout lane and whip out your old faithful wallet. Nothing to choose from except the old plastic credit card or some tattered cash tucked behind the flap. You decide on the plastic it’s smooth, colorful, and thrifty; it show class, grace and social affluence.

Your turn is up you make the purchase you’re so amazingly excited as you whisk away from the store with your new trinket in hand. You have just the place to put it right next to your other trinket you bought last week when you did that cool little thing at the office. You know just like the other items you had to have just because you wanted them.

You arrive at home and stare with curiosity and wonder as you place your nifty new purchase on the shelf with the others. It adds such new charm, and beauty to your collection. The way it reflects of the glass lit shelving is almost hypnotizing to look at and watch. Your content and feel as if you performed the greatest deed for mankind by making that purchase.

Your bills come in the mail as they always do and the first thing that you open is that credit card bill, your eyes almost pop out of your head as the astronomical interest rates seems to have eaten up all of your last payment and the reduction in principle was reversed due to other charges, taxes, and late penalties. You notice that you’re over the limit and your latest purchases aren’t even on that statement.

You begin to panic and feel a bit stressed that you overdrew the account. You’re not so happy with the purchase you made; you might even resent the purchase a little bit. You know this passes with time yet the debt continues to grow. Soon it consumes your entire life until you feel so overwhelmed that you can hardly even think about it without feeling like an anxiety attack is coming over you. You feel all knotted up and fearful of what might happen next.

The only people that call you are bill collectors and your debt providers to remind you that you are late on your obligations. You feel as if there is no way out a dark cloud is coming over you. Your reward purchase seems like a bad habit that you can’t break. You’re starting to realize that you have a spending problem.

You look for ways to stop the cycle but your relentlessness weakens with every failed attempt. Not to worry though, millions of people are walking the same path every day. Stuck in a cycle of social acceptance of “it is how it is”. People are being misled into this type of behavior; it’s easy to have an instant gratification mentality with the advancement of our instant access society.

People want it all and the want it now, you need to realize the problems and head it straight on face to face. Money spending can be very much a disease that ruins your life, health and wealth with no second thought; in a blink of an eye everything changes.

Don’t become a victim know the warning signs and seek out assistance if you can’t make the corrections on your own. First take a close look at your house are you cluttered or over stocked with items of clothing, collectables, shoes, tools or other items? Secondly take a look at your financial statements (profit and loss statement, balance sheet, expense report) to see what your financial net worth looks like.

With no second guessing you’ll soon be able to have a clear view of your entire situation. You’ll know if your rewards are reward to you or just rewarding to your creditor’s benefit. All of the frequent flier miles, rewards from Visa, Master Card, Discover Card and American Express are all designed to get you spending.

Rewarding yourself is for good behavior, once a month after achieving all of your contributions toward your future plans, current expenses all paid, unnecessary spending cut from your budget, as well as new profitable investments researched and purchased. Then and only then will you have the ability to consciously accept a reward for great or exceptional behavior. Until then it’s not rewarding to make purchases just for the sake of spending. It’s downright unrewarding and unsettling to our core when we do things of this nature.

We are just conditioned to think its normal everyday activities to be like this. No one has to live in debt over load or seek shelter from the weight of their financial burden. Seek knowledge and a plan to uncover your full financial potential. Stop the blatant disruption of the course of evolution by aligning yourself with the correct actions you are achieving for. Stop living for the moment if your not prepared to stay ahead of the curve and prepare for tomorrow. You’ll wind up six feet under a stack of bills waiting for every last breath to be sucked out of your life. Instead run the race, win the championship and earn the rewarding, respectfulness you deserve by taking control of your money habits today.

• What to do after you become wealthy SO you've made it, that "pie in the sky, pipe dream" your friends always said would never amount to anything. You know when you went out to talk with your associates, close friends and family for input or advice. All of your hard knocks, bloody knuckles, sweat and tears combined......
• Tell-Tale Signs You Have Entered Liberation School I was reading an empowering article this afternoon which really helped me to spark an amazing idea. You know when you hit the wall in your day and you just feel burnt out and complacent in your mundane routine? You just accept it and deal with life as it......
• Changes in your credit score and what they mean to you You've heard the news about the changes in credit scores and the impacts of these changes are yet to unfold. You can rest assured that this is the first step in major changes in banking reform on both the business and deposit account holders end. Tighter financial requirements on the......
• How to Protect Your Identity During the Holiday Season Holiday cheer is all around us and winter is in the air, we feel the chill of the season and the happiness of the time of the year. No matter where we go it’s hard to hide from the fact that it’s almost Christmas time. With mistletoe and lit......
• When it's time to prepare for the impending situation - Wealth is a Concept -- Ryan Wegman Impending such a strong and terminal word. The pure fact that something is impending (meaning to happen in the future) is a dark and ugly shadow over many people. Especially in this crazy economy we are in. You see when that word impending is used it's in conjunction with......

• Tips For Finding The Best Credit Cards There are many different credit card companies that are available for credit card holders to choose from.  Many credit card holders are unaware of what the credit card companies offer and therefore do not take advantage of what is available at the credit card company.  By obtaining your credit cards......
• 5 Tips For Finding Financial Freedom Financial freedom is a term that is used when individuals are speaking about getting out of debt and staying out of debt.  With many individuals living beyond their means, wages receding, and inflation rising, finding financial freedom is becoming more and more difficult each year.  Here are several tips that......
• Friday inspiration: Making lifestyle changes to pay off debt & accumulate wealth This is part of a series of interviews with people who are either working to improve their financial situation or who have already reached their goals. This week’s interview is with Aaron S., who has made lifestyle changes to pay off debt & accumulate wealth. Could you tell us something......
• American Express Blue Card: Our Everyday Credit Card Since becoming debt free my wife and I have started using a credit card to consolidate our monthly bills. I've shared a bit about this stragegy in the past, and several of you have asked me to share which card we decided to use. Out of the small stack of......
• What's In Your Pocket? Without looking, what is in your pocket? How much money are you carrying with you? How many credit and debit cards? OK, you can go check now. I'll wait. Did your guess come close to what was actually there?Don't worry, I'm not trying to mug you. I'm just wondering how......

When she went to purchase her new items for the house she was shocked to find out that her HELOC (Home Equity Line of Credit) was frozen. People all across the country are feeling the credit crunch. Frozen lines of credit even for A credit customers.

She had made a purchase on her credit card then wrote out a check to pay the credit card off. It was this moment she had found out the news. There are ways to overcome the challenge. In this insightful article we will review a few ways to relieve the crunch on your finances.

You have the ability to call your lender, possibly have your home reappraised, take your business elsewhere, be prepared to go and shop around for new rates and terms favorable to you.

Get educated here http://online.wsj.com/public/article/SB121469511306113617.html?mod=sunday_journal_primary_hs

• Fastest growing cities in the United States Still digging through the archives I was researching the fastest growing cities. In this article dated June 27, 2007 Lancaster, CA was ranked number 10. North Las Vegas was number one. Since the Antelope valley is where Lancaster is located I thought I would take a moment to pay......
• Low and no interest capital for investment purposes When it comes to the value of your dollars in today's economy or any other time your ability to purchase, return income on your investment has been something that eluded many would be great entrepreneurs and investors. The lack of resources to keep the fire slowly going while your momentum......
• Death before bankruptcy no way - hope is on the horizon In today’s economic conditions death seem to be the only way out for many consumers who are consumed by over whelming debt. Although bankruptcies are up in filings for the third year since reforms went onto effect many consumers feel that their options seem hopeless yet they still plug on......
• How to strategically plan for your retirement When it comes to planning for retirement you really have only a few choices to make for your future. Strategically speaking many people take the approach of “I hope it works.” People really never give their retirement a thought until it's to late. When they decide it's time for retirement......
• Even Christians Have Issue Dealing with Debt What an inspiring story I hadn't even thought about giving attention to the struggles of giving to your supportive church or paying off debt. I am wondering do more and more Christians as well as other religious attendees have this battle with themselves and tithing?Which is more important: tithing or......

• Ten Tips for Shopping Online This Holiday Season Kathy Grannis sent me this very useful article by Shop.org. Shop.org is the network for retailers online. Its 600 members include the 10 largest retailers in the U.S., and 70 percent of the Internet Retailer Top 100 E-Retailers. It's where the best retail minds come together to gain the insight,......
• First Time Home Buyers Tax Credit - Who It's For And What Is Needed To Claim It On November 6, 2009 The Worker, Homeownership and Business Assistance Act was signed into law.  This move has resulted in the extension or expansion of the first time home buyer credit which was enacted previously.  In order to receive the first time home buyers tax credit you must first understand......
• Identity Theft and You - Simple Tips To Protect Yourself Stories abound warning consumers about the perils of shopping on the internet. Internet shoppers have every justification to be concerned about the growing problem of identity theft and having their credit card information compromised. Having your identity stolen can be an expensive and complicated matter to clean up. Don’t think,......
• How to use Debt to Improve Your Credit Many of us have the wrong idea when it comes to debt. After years of being told that it is a bad thing and should be avoided, most of us never want to get into the problem of having to deal with debt. Millions more are in over their heads......
• Fraudulent charges on credit & debit cards I find it interesting that different credit & debit card companies handle potential fraud with their cards differently. I remember an incident that happened when I went shopping at Michael's. I went in intending to pay for some artwork I'd had framed, but got distracted and bought a smaller item......

This week I decided to dedicate a couple of new pages to the blog scene. One is dedicated to the ongoing pursuit of justice in the financial field. The second is on the subject of credit and changes or happenings in the industry.

Although I am very much a believer in real estate and the proactive use of debt for investment or education only we all have our own credit identities and habits. Take the time and familiarize yourself with how credit works and you will be amazed as the doors of unlimited purchasing power open up right in front of you.

Keep abreast of the offenders on my offenders page and most of all keep yourself tuned in to learn why land banking and real estate are the best way to create wealth for the long term.

• Retirement of a giant and the rise of future leaders Retirement of a giant and the rise of future leaders I looked as if I was a deer staring in the headlights when I opened the news this morning. You see I have been buried in tons of different activities and meetings over the last several weeks as I have......
• She Stole His Heart Then His Wallet Identity theft it happens all too often in this country. I heard this story from a close friend of mine a few years ago. It blew my mind away to learn just how far people will go to harm another. No there was no domestic violence or beating, no......
• Stand together and unite for wealth, strength and unity We all have our pre conceived notions as well as our reservations towards introducing new people into our lives. Having worked with hundreds of people and charting courses of financial needs and desires, I've come to the conclusion that for the people who are willing to take a chance and......
• Simple Steps to Increased Credit Card Limits and Purchasing Power Learn to empower yourself immediately by increasing your credit card limit, call your creditors and get what you deserve. A bigger line of credit at a better rate and with less fees. When you call to speak to our customer service the call should go something towards this effect... First......
• The Ultimate IRA Report Part 4 The Ultimate IRA Report   Welcome to the latest version of the Ultimate IRA Report! The Ultimate IRA Report is a key resource for successful investors, with content generated from Equity Trust's wealth of experience and expertise in providing tax-deferred and tax-free profits through self-directed IRAs. If you have......

• Real Estate Meeting - John Schaub Went to the local real estate meeting. I think San Diego has the best REI club in the nation and probably the world. Its non-profit and all profits go to the library. John Schaub was last night's speaker and he was pretty funny and made a couple of extremely valid......
• getting one thing done As part of my 6-posts-in-one-day assault, I thought I would address my latest productivity attempt. I find that I am an excellent list-maker and sorter, but I have the usual trouble getting things done.  I have decided recently that the focus has to be on getting one thing done per......
• fools photo credit: hans s "Fools and their money are soon parted." This phrase makes me nervous every time I look at it. Somewhere buried deep in my psyche a little gremlin cackles these words out over and over again. While I may not be the smartest person in the......
• Fighting If you read some of the site you already know that I learned to interpret my dreams through years of struggle with panic attacks. It was sometime when I felt I had control over my fears that I saw this dream..... I am fighting with a person who is in......
• Getting Rich While Paying Debt Off One of the wisest things that you can possibly do this year, if you are not already doing it, is to become debt free. Here is something that you may not currently be aware of: Gaining a control over your finances that you did not previously have could actually make......