Good Morning Everyone.

Last night I did it. I am so excited to share with you that I actually followed through with a dream of mine. It’s a wonderful start to something magical. I actually got up in front of a crowd and read out loud some of my writings. It was incredible. I conquered a fear and came out the other side of it feeling better than I have in a very long time. I had pride for following through with a dream of mine. And it was well received. Just a small quaint group but nonetheless I did it.

Last night I was wanting to do more, I was addicted to it right then and there. I wanted more. I even mentioned once it was all over that I should hold one in my home considering they were not going to be holding another one until February or March. That seems like such a long way off.

Also just to show you how the world works in this mysterious way. A woman asked to sit next to me and I said of course. We both read our writings and when she finished I shared with her what a great job she did and that it was no mistake that she sat next to me. Out of all the people to have sitting next to me and all the tables she chose it was mine. Her writing and mine were similar by which it is of the spirit….We both believe in the spirit force that surrounds, that creates us, that holds us together rather than apart. We are all one. I was and I guess still am in shock. Amazing. I gave her my phone number and asked her to go for coffee or whatever sometime. Her story is also like mine in the fact that she is new to town as well and do not know too many people here either.

What glorious ways the energy works and in perfect timing. Love it.

I am definitely moving in the right directions of my dreams. It feels so right.

Yesterday I was trying to figure out a way to get of it as well. So glad that didn’t happen. However my ego and pain body really wanted to find any way possible to achieve this, to get out of what ‘they’ thought would be more pain. I read and re-read a few other books of mine trying to find one that seemed to make sense to me. However nothing I had wrote was making sense to me. My sentence structure and grammar were all of sudden notorious I had no faith left inside for me. All of the sudden I had nothing to present and I felt like a failure. I knew it wasn’t my true self, I knew I would have to push through it and be the true self. The one I’ve tried so long to be and this was the opportunity I’ve been waiting for so long. Understanding that everything happens when it needs to and so forth, now was the perfect time for this to happen. Eric came home and tried to get of it again sharing my despair with him. He was perfect and said I can do it, to just read and keep it flowing. He knew I could do or at least let on that I could or should. It was the first thing I’ve ever wanted to do just for me. Ever. Finally.

So here I am the day after, still with the glow on me. I am sitting at my desk writing this and wanting to share it with the world. I think I’m ready. I think the world is ready for me too.

I finally get the message to never give up on your dreams. To never give up on yourself.

To think back to all things that had to line up for this to have had happened the way it did is simply amazing.

I am now living in a community who cherishes their arts. I am among others who support one another. I am living with a person who loves me and believes in my dreams. I am in a town that has a beautiful library- to think I enjoy going to a library. I had never been to one until I was an adult. To get me into one and be happy there, then finding the posting for this writer’s cafe and then signing up for it right there on the spot. That’s incredible. Everything had to be lined up perfectly. Not my perfect but the divine energy’s perfect. Even for me to have the courage to do any of the above impresses me. I use to be the really quiet one who dream secretly and not share any of them.

Here are 10 steps to get you out of debt and on the right track towards your dreams

Step 1
write down the amount you made last year and subtract the what you have today in the bank account. Take a look at that number. You have to know the truth.

Step 2
Print off the last 3 months of your banking transactions.

Step 3
Write down all the income you’ve brought in and add them up.

Step 4
a) hi-light all the restaurants you spent money on.
b) hi-light in a different colour all the food you spent money on. * this is ONLY grocery money *
c) hi-light in a different colour necessities (ie: toilet paper, shampoo, tissues, feminine products)
d) hi-light in a different colour auto payments that come out every month
e) Add up each colour for each month and divide by 3 – this is your average.
Do you spend more than you make?

Step 5
Outstanding debt never makes anyone feel good.
a) Make a list of all the outstanding debt you have.
b) in one column write out the amount owing
c) second column write out the monthly payments
d) third column write down the interest rates

I know this may seem overwhelming but don’t give up. With everything in life those things that need change first need us to change and we need to adjust and that can be uncomfortable.
Life is not suppose to be comfortable.
First thing is to really look at this and see exactly what it is you’re dealing with. And know this, once you look at it, you don’t ever have to be there again. Everything you do is a choice and how you spend you money is just another choice.

Step 6
This is the Plan
Add up all of your outstanding debt. You want to be sure you’re making all your minimum payments and then the extra money you’re working for will go towards the amount that is the smallest.
Then once you have this one paid off, celebrate without spending money. Then the money you are putting towards it will then be going to the next outstanding debt. This is called snowballing your debt.

Contact the companies and tell them your plan and when you will be making your payments. You want to be working with them. You may negotiate for a lower amount depending on how much you owe and for how long it’s been. Sometimes this works but not always. They may want a lump sum so be prepared.
Call all the auto payments including your credit card and see about lowering your interest rate.

Step 7
Cut the FAT (Frivolous Actions Taken) This is where we need to trim up. Cancel anything you do not really need. Television, cell phones, cars etc. Anything that you do not really need. Get rid of it.

Step 8
Find More Money
This is where you are going find more money. Now if you’ve cut as much as possible and you’re still short then you have to increase your income.
Can you pick up extra shifts at work? Can you do a part time job on the side? Is there papers that need to be delivered in your area.
Here’s where the money is:
Take 15 minutes to do this.
Make a list of all the things you’re good at.
All the things you love to do.
Anything you have talent in.
I mean Everything. This includes walking, if you can.
Look at that list, give yourself a pat on the back. There’s more than you thought.

Step 9
Let’s find even more money.
Here’s some ideas:
Sell what you do not need or use. Clothing, electronics, furniture. You can sell online or in person.
Have a yard sale and sell the belongings you have that you don’t use.
Downsize your home into something that fits your current income.
Get rid of the big car, you can find one without payments. Sell it.
When shopping check out your local thrift store only if there’s something you need.
When grocery shopping try to do so in bulk. Price match and use coupons when available.

Step 10
You have a clear vision about what’s real when it comes to your money.
Now I am going to add one more here.
You also need an Emergency Fund!
I am serious. I’m sure your eyes just got really big and doubt crept back in. But hear me out. This is your own personal cushion and the just in case. This comes before you pay off your debts. You make your regular minimum payments but you put the extra you make into an Emergency Fund. At least until it gets to $1000.00. After you pay off your debt then your Emergency Fund should be 6 months worth of your expenses. Now that number’s a lot bigger.
This is ONLY for EMERGENCIES . Think about it, if your car needs repair and you need your car to get to work, what do you do?
You need to have the Fund and get it quickly.
You know the amounts, everything is written down and all payments are visible and set up to paid on time and for the correct amounts. You have additional sources of revenue coming and you have let go of things that were holding you back.








It’s taken me a lot of work and self-examination inside and out to see what it is that I need for me within my own life. What carries my spirit to its fullest? It’s been a wonderful journey. Yes, there were lots of ups and quite a few downs as well, but I wouldn’t change a thing. I feel more at peace with myself. I am calmer and smile more I’m sure.  I feel more, which I didn’t  think would be possible but I do.  I give more of me from the inside. I’m not bending over backwards to help someone but giving from within. I have learned so many things about myself and I love it.

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