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Although a great deal has been written regarding financial freedom and independence, it seems people find it difficult to fully comprehend the true meaning. Typically people connect wealth with riches and fundamentally assume financial freedom dictates possessing money able to purchase anything they desire.

According to Webster’s dictionary, ‘wealth’ is defined as:

“people who have an abundance of material possessions”

It does not say:

“people who have an abundance of material possessions that are paid for”!

Today’s idea of acquiring material possessions usually means having to be in debt or using debt to acquire it.  Actually, people who have high standard of living seldom have a lot of money very limited investments, with no credible assets, and making it a priority to gain more possessions of a material nature instead of establishing financial independence.  A fervent desire to gain instant gratifications leaves them with no emergency fund to access, no planning for retirements and much stress mentally and physically.

Chronic stress and anxiety is amassed by people placing themselves in staggering debt.  Physical ailments and poor health often results from the mental burden in handling this stress, often seeing no way out from their inability in not being able to control their lives and expenses.  As a result of this, major incomprehensible debt can create an unhealthy and unhappy living environment.

Still, there is a way out and it comes down to goals, values and priorities.  However, one has to be in a position where you can see things clearer and you are ready to begin living your plan for living simply and happy.

Giving you some financial help to achieve the financial independence you desire, some key steps and major milestones that will enable you to become debt free need to be established.  It takes commitment, discipline and planning.

Taking the time and effort required for transforming debt into wealth will encourage you to accomplish things you want to do for a happier and fulfilled life.

The major steps to financial freedom are:

• - Paying yourself first from your wages before paying anything else
• - Preparing for emergencies i.e. Vehicle repairs or replacing appliances etc.
• - Paying of existing debt within a certain time period of time
• - Planning for a 3 to 6 month crisis for in the event that you are unable to work
• - Preparing for college expenses early if you have children
• - Building wealth by making wise investment choices
• - And in some instances possibly starting a business of your own

Establishing a long-term plan for financial happiness will mean you need to examine each of these steps to financial freedom  in detail.  The outcome will be much easier to achieve if you approach this process with a positive mental attitude.

This will take some time, and remember you didn’t get to where you are now, overnight.   Just like gaining weight, usually not doing anything about it, when you wake up one day and realize you’re suddenly 30 or 40 pounds overweight.  And you wonder how did it happen?  It happened one day at a time.

Debt happens one purchase at a time…

If you would like to read more about Becoming Financially Free and how we can assist you, follow this link: Steps to Financial Freedom

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Inspire a New Resolve for Balance, Energy & Focus in Your Life at Womens Lifestyle Publications. Taking care of your Health and Wealth has never been more important and simpler.

In our daily pursuit to simply live happily and debt free it is imperative to firstly determine where we are currently. You will recognize the need to make certain changes and you can then begin the process of assessing and evaluating your current situation to better your financial future. For financial freedom you need to have your Values, Goals and Priorities aligned.

Here is two examples that will help clarify how you can better assess your own values, goals, and priorities.

Scenario One:

Imagine your goals are:

• – To have the biggest house in the most prestigious neighborhood of the city
• – To own the newest, sleekest, fastest model of car imaginable
• – To have a huge array of material possessions to showcase your success
• – To make lots of money or even using credit cards to acquire these possessions
  

So there for your values are:

• – material possessions
• – money
• – prestige
• – personal recognition
• – elevated social status
  

You are totally immersed in achieving your goals based on your values, and you have prioritized your life to attain them. You are sacrificing quality time with your family and neglecting your own personal mental and physical health. You are even going as far as to maximize your credit cards and take on additional debt to buy the things you desire.

Your priorities are based on spending every possible minute accomplishing your goals to amass fortunes, and stockpiling your possessions, at the cost of ignoring the other aspects of your life.

Scenario Two:

Now imagine your goals are:

• – To being debt-free and financially independent
• – To provide for the things your family needs
• – To take care of your own personal and spiritual needs
• – To spend quality time with family and friends
  

So there for your values are:

• – independence
• – family
• – financial health
• – peace and tranquility
• – high quality of life personally and spiritually
  

Your goals and priorities are based on making a living at a job where you can produce a comfortable income, investing your money wisely for financial independence, affording time for family and friends, and allowing time for exercising, meditating, or other activities to enrich your personal and spiritual life.

In the two examples above, the goals, values, and priorities are well-aligned. Although you may not agree with any one scenario, you can see that each person is focusing on the things that are important to them.

However, the majority of humanity today work an exorbitant amount of time to make money to buy lots of material possessions – and you are even going into serious debt to make it happen too.

So this tells us that:

• – Your goals, values, and priorities are totally out of alignment.
• – You have abandoned your own personal goals and values to live a life that is fraught with stress, anxiety, and distress.
• – You are madly working toward goals that are in total conflict with the things you hold near and dear to your heart and your life.
• – You have sacrificed the life you desire for the life you have.
• – You are living someone else’s life!
  

Based on this:

• – Are you happy? No.
• – Is this the life you want to live? No.
• – Is it the life you are living? Yes.
• – Does it have to be this way? No.
• – Can you change and redirect your life? Absolutely!
• – Can you overcome obstacles to get there? Definitely!
  

If you are interested in being simply happy and debt-free, then it’s time for you to examine your current situation to create the life you desire. It’s time for you to make the changes that will lead to happiness and a better quality of life.

You need to stand up for yourself and what you value in life should now be your mantra and your passion! You CAN make it happen.

To read more about this subject and more you can find a brilliant guide to help you evaluate your life as it is right now and identify the changes you need to make in the most important areas is instantly available at

http://www.womenslifestylepublications.com/business/debtconsolidation

Want to earn some $$$, why not affiliate with us? Be part of the International Digital Publishing Network Today! Get 50% of every sale made when you become an affiliate member.

Inspire a New Resolve for Balance, Energy & Focus in Your Life at Womens Lifestyle Publications. Taking care of your Health and Wealth has never been more important and simpler.