The Recap of get a 800+ credit score Get it and keep it.
I feel that online and plastic everything has separated us from reality, life has become plastic, we are losing the feel, the reality.
There is just a certain understanding that comes from a physical hands on relationship with anything. A connection that comes from using all 5 senses and the spiritual facilitation that our hands on hard work adds.
Obtaining financial independence and security is hard work especially if we have developed bad habits, the further we have traveled down the wrong road the harder the work is going to be.
But if ever we are to achieve the piece of mind the independence and self governance we need to be free to experience a lasting Happiness. We will have to do the work.
Please don’t be afraid one step at a time will get us there, and we can take one more step together.
On the path to this, I want you to reinstate the paper bills that come in the mail, the complete statement of every account you have, you need them, a new and complete statement current each month.
Like it or not these are your financial promises and the detailed information contained in them is important.
So get a copy of every bill you owe, if it is a personal debt then make a hand Written statement of it.
Once they are all together separate them in order of due date, 1’st thru 15’th then 15’th thru 30’th.
Now get a blank piece of paper of your choice, I use plain copy paper, you use what works for you.
Now create a monthly payment ledger, list every bill in order of due date, each entry will include who to, how much, and date due.
Our objective is to get ahead of our bills at least 15 days. Paying the bills due the 15’th thru 30’th this month, on the 1’st this month. The bills due the 1’st next month pay on the 15’th this month.
This ledger folded in half will make a pocket to keep all the bills the paid ones out of there envelope and the unpaid turned up in there envelope, receipt, check copies and any other pertinent paper records.
We want to be ahead of our bills not behind, we have to stop any additional charges, late fees etc.
As these bills are paid each month, check them off with notation of how they were paid and when. check # electronic payment confirmation # etc.
Create the next months ledger using last months ledger, updated for the new month.
At the end of the month you should have a complete record of the financial activity for the month store it for anytime research at the end of the year for tax time records.
Mine fit nicely in small cardboard boxes with the complete tax records including a printed copy of the 1040 and all schedules. A physical record of the entire years financial activities for records archiving.
Now on another piece of paper start a ledger of the account you are going to use to pay these bills.
Start the ledger with a known Balance.
If you have more than one payment account I suggest you consolidate to one payment account for simplicity, in simplicity is the power we need to succeed.
If you have more than one account savings, trading etc. you will need other ledger’s to track them, you need to track and record everything.
I suggest if you have other accounts, that you create handwritten ledger’s to track them, it makes you powerful when you Know exactly where you stand.
Run the payment account ledger as a deposit and debit record, each entry should have notation of date who to and check or payment confirmation numbers.
For deposits note the date, have a recite and a notation of where it was derived from.
At the end of every debit or deposit session do the math and record a known balance with notation of date.
We are trying to get at least a $1000. dollar buffer in the account so when the balance shows 0 we have $1000. in the account. At the end of the month use last months ledger to create the next month ledger.
On a third piece of paper list all your debts in order of highest Apr.% interest first.
This is going to be a Hit list, we are going to apply any extra money to the first entry on this list until it is gone then the next. One at a time we will eliminate them.
Do not make any new promises until this list is history RIP.
Also this is a list that we can use to keep track of any ongoing negotiation we have with these creditors or collectors record every conversation Name of contact, agreement, date etc.. it is all important make a record.
Do not ignore or hide from these people, communicate with them.
They have no choice but to work with you, if you contact them.
If it is in collections they will settle for less than you owe, if you have a lump sum.
My advice is negotiate with truth it is a powerful tool, be truthful to yourself and them.
Do what you can do when you can do it.
If you must make a new promise to them, Make it open ended, example: At this time, this is what I can do. Then do that, Keep your promise, if something changes on your end then contact them ahead of time they will work with you.
Please do not do anything that promises you to more debt, including middle men. Do this yourself.
Now get all the scratch paper you need and a calculator and start doing the math how much money you have, how much you will have, how much the bills are, what is the total 2+2 = 4, make a plan.
Put it where you can see it look at it every day .
It is a budget, manipulate it make changes as needed, pray with this plan.
The more focus you apply to this plan the more life you will give to it that is a fact. It will become a reality.
Contact who you need to contact to make arrangements so your plan will work, stay flexible and open to change, stay in contact with your creditors, face this head on, hands on and you will succeed.
Credit scores they are so complicated,
Bull shit, it is simple.
Hello- Pay as agreed and your score will be truthful and good. When you keep your promise it is simple as a true story is to tell.
What is a complicated nightmare is to watch as the masses fall willingly into the trap of complication and confusion. Watch as they jump for joy, yahay close my eyes wiggle my nose tap my toes and magically, — WAKE UP the only magic is not magic, PAY AS AGREED. KEEP YOUR PROMISE.
THE MAGICIAN’S BIRTHDAY
DISTRACTION AND DECEPTION
I SEE AND HEAR THE TALKING HEADS, ELIMINATE THE CURRENT CREDIT SCORING SYSTEM AND THE BUSINESS ENTITIES THAT ISSUE THE SCORE. and so they are all Yacking, jabber, jabber, jabber about all the changes. And the nightmare continues, The celebration of government magic.
And since when has government anything simplified or lastinly helped, Wrong. The truth, simply understand that your score will be derived from the same as it is now, plus the use of everything you do privately. And your score will be issued by a government bureaucratic agency worst than the IRS. That keeps record of your every movement, Political affiliation, personal debts, shopping habits, investing habits, bank accounts etc. etc. etc.
You will use your new government issued score with or as your ID not only to apply for a loan or card but to apply to where you can buy your groceries witch doctor or hospital you can use.
No more will you just buy anything you soon will apply to acquire everything you want or need your approval to acquire anything will be decided by your government issued score.
You will use your new score to apply to buy your newest tracking device, I mean your new phone. You will use your new score to apply for a permit to travel to a neighboring state to see your relatives.
your new score will decide where you vote what class of person you are what you can and cannot do. the score oh the score, derived from everything it is now plus your political affiliation the political demographic of where you live what your investment choices are.
Nothing you do or say will be private it will be compiled in to your score this new government agency will know everything about you and assign you a score based on that.
Remember for me the story of the pied piper leading all the city rats to there death.
So now jump up and down celebrating. line up for your next government stimulating, population controlling hand out the government issues the score and another check that is payment that gives them the right to eliminate your freedom.
If you have questions for me, if we can help, please use the comments or contact us, we wish everyone happiness bye bye for now see you back here soon.
watch the video – coming soon