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Authors To Inspire You Through Bankruptcy: Stephen King

stepsSwitching our focus onto more contemporary, modern day authors, the Affordable Bankruptcy Courses road of blogging has brought us to the doorstep of Stephen King. If you are a fan of science fiction, fantasy and horror novels, then his books are definitely for you. Don’t like reading? Then try one of the many feature films adapted from his books: The Shining, Rose Red, The Green Mile, The Mist, It, Misery, Carrie to name a few. Quite frankly, it seems almost impossible to not have seen or read anything by the genius that is Stephen King. However if you are one of the unfortunate few (yes, his books really are that good) reading this article who are hearing of him for the very first time, then prepare yourself for a literary awakening!

During a time as difficult as bankruptcy, you may be feeling at your most vulnerable. But it is important to stay smart. As King wrote, “The trust of the innocent is the liar’s most useful tool.” Don’t let people take advantage of you during your period of financial distress. Make sure you choose an experienced, licensed bankruptcy attorney and know what questions to ask when preparing to file and have your debts discharged.

As difficult as it may sound, try not to let bankruptcy consume your thoughts, feelings, days, nights…life in general. Every day may not be wonderful, but there is some wonder in every day. “You can’t deny laughter; when it comes, it plops down in your favorite chair and stays as long as it wants.” Put simply, happiness is important. If you need to laugh, laugh! Laughter is one of the best medicines, and everybody deserves the chance to be happy – don’t let bankruptcy deny you of this simple joy.

“When asked, ‘How do you write?’ I invariably answer, ‘one word at a time.’”

When faced with the concept of having to file for bankruptcy, what is the best way to approach it? One step at a time. Trying to take on everything at once will only add even more stress to the process, which you don’t need. Try to break things down into smaller pieces – remember, a burden shared is a burden halved. For example, first set your mind on finding an EOUST-approved bankruptcy course provider, to offer you the Credit Counseling and Debtor Education required to file for bankruptcy and have your debts discharged. Only when you have completed these, should you mentally take on the next challenge. Don’t overwhelm yourself. There are tools and resources out there to help you repair and rebuild after you have completed filing too. You are not alone!

One word that cannot be associated with the bankruptcy process is ‘fun.’ In fact, on first glance it may seem difficult to find positive associations – although this has been challenged in one of our past blog entries. We would recommend you give it a read and see if it changes your perspective! Furthermore, Stephen King had a very positive life philosophy, and believed heavily in learning through experience. He said, Every book you pick up has its own lesson or lessons, and quite often the bad books have more to teach than the good ones.” So even though bankruptcy is hardly ideal in comparison to financial success, just think of the lessons you are learning throughout the process. You can, and will, get through this. All it takes is a positive mental attitude.

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Authors To Inspire You Through Bankruptcy: George Orwell

spending-bankruptcyBy now, by regularly reading the Affordable Bankruptcy Courses blog, you know all too well the true value of inspirational and motivational words of wisdom during a time as stressful as filing for bankruptcy. You will also know that you are not alone, and the emotions you are feeling during this time are entirely normal, and are commonly experienced amongst the hundreds of thousands of filers every year. Once you have accepted these as truths – and as Orwell once wrote, “Happiness can only exist in acceptance,” – then you are able to move onto the next phase mentally: tackling the problem and ensure it does not occur again in the future.

Remember you are just one person. You are not a superhero. No one is expecting you to remain strong throughout the entire process. It is completely acceptable to experience emotion, and have moments of weakness. Orwell himself expressed the notion that “In the face of pain there are no heroes.” You are only human. Bankruptcy is painful, and it would be unusual for you to not react to this pain. In trying to remain strong for the sake of saving face, you are increasing your mental stresses during an already trying time. Do not take on the mental burden of a team of people. Take things at your own pace, and remember, “The essence of being human is that one does not seek perfection.” Bankruptcy didn’t creep up on you overnight; neither will it disappear overnight. You can’t strive for perfection and expect everything to be rectified instantly. But in taking small steps to improve your financial situation, you are headed in the right direction.

“The consequences of every act are included in the act itself.”

Never was a truer word spoken! This phrase is perfect in defining the vicious bankruptcy cycle that so many people fall victim to every day. In spending more than your budget allows, the consequences are…what? That you fall into debt and don’t have enough money to live on. In short, spending more money than you have, results in not having enough money to spend…

…which then results in more overspending…

…meaning you do not have enough money to buy the things you need…

…so you continue to spend beyond your means…

And the vicious cycle continues. So how can you break it? For starters, you can budget! In learning the essential concepts for managing your spending and saving patterns, you are making a great start. If you are already in a situation of severe financial distress, then perhaps you should consider filing for bankruptcy. Affordable Bankruptcy Courses offers the required Credit Counseling and Debtor Education in order for your debts to be discharged. Our courses are EOUST-approved, and online only – there is no phone call required for certification! Our website has more information on fulfilling your bankruptcy requirements, or alternatively you can leave a comment in the section below and a member of our team will respond to your inquiry within 24 hours.      

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Authors To Inspire You Through Bankruptcy: Oscar Wilde

dublinOscar Wilde. Arguably the most popular playwright of his time, it is the general consensus that even today, his teachings hold relevance in society. You would be hard pressed to find a modern day English Literature syllabus without the teachings of Oscar Wilde, as so much can be learned from his written word. And it is not hard to see why – in writing this post, we actually had trouble narrowing down the few quotes to use, because so many were useful and applicable to the message we are trying to convey to our readers.

Oscar Wilde was a literary genius. He famously said, “Nothing that is worth knowing can be taught.” In saying this, he means that we learn the most valuable, important lessons through experience alone. Being taught such things from others is no substitute for having gone through it yourself. Now by no means are we suggesting people should deliberately put themselves in undesirable financial situations, but according to Oscar Wilde, knowledge is no substitute for experience. Put into context; struggling financially is the best way to learn first-hand about financial management, as opposed to hearing through the grapevine that you should cut down on your spending, or that learning to budget would be beneficial for your bank balance. So despite the seriousness of your financial situation right now, there are positives you can take from it.

Right now, are your thoughts consumed by bankruptcy? Are you thinking that you have nothing left that could possibly be of any value? Think again. “A cynic is a man who knows the price of everything, and the value of nothing.” Put simply, focusing entirely on money means you may be overlooking things that are valuable in other ways. Something doesn’t have to have a monetary value to be valuable to you. How about the value of friendships, laughter and the enjoyment you get from your favorite past times? These can all lift you up during your financial struggles and help you to remember that bankruptcy is not the end. It is just a flip on your financial radar.

Wilde was very good at noticing the similarities and differences between people, and tying these into his core life philosophies. “We are all in the gutter, but some of us are looking at the stars,” and “To live is the rarest thing in the world. Most people exist, that is all,” are just two examples of this. He is highlighting that despite being all the same – all being ‘in the gutter – our perspectives and visions determine our direction in life. To the few of us that aim high – ‘some of us are looking at the stars’ – then that is the way we can elevate ourselves to success and greatness, and out of the gutter. The second quote has the same message; it is the rare few who see things differently and get that little bit extra out of life – in doing so, they are living as opposed to just existing.

Are you living, or just existing? Are you letting your bankruptcy take over? If the answer to this is yes, then it is time to plan a strategy. Look for a reputable provider for the required Credit Counseling and Debtor Education to file for bankruptcy. Affordable Bankruptcy Courses offers the EOUST-approved online courses available in both English and Spanish, with no phone call required for certification.

The bankruptcy process is tough, but it is a learning curve. Try to ask yourself what you can take away from the situation you are in now. What have you learned? Perhaps you could reconsider your spending and saving patterns, and how you could reduce your overspending.  After all, “Everything in moderation, including moderation.”

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Authors To Inspire You Through Bankruptcy: Emily Dickinson

famaous-author-bankruptcy-inspirationFamous for capturing the hearts of millions through her written word, Emily Dickinson is the next author to feature in the Affordable Bankruptcy Courses “Authors To Inspire You Through Bankruptcy” series. An American poet born in 1830, Emily’s brilliance was sadly not discovered until after her death, when collections of her poetry became available to the public. Since then, she has been revered as a highly influential American poet – and even now, is considered one of the most important to date.

During bankruptcy, it is easy to become preoccupied with thoughts and stresses concerning your finances, but it is important to try and keep things in perspective. As Dickinson wrote, “Find ecstasy in life; the mere sense of living is joy enough.” By this, she is saying that you may be struggling, but you are alive! And instead of just surviving, you want to live. Do not let bankruptcy rule your life, as difficult a concept as that may seem right now. Take things slowly. Set yourself milestones – for example, learning how to budget effectively – and find happiness in accomplishing these. Find joy in the small things, for you may soon realize they were actually the big things. Appreciate your friends and family during this difficult time, and partake in your favorite past times to remind yourself of what it feels like to enjoy each day and be happy.

She had a quirky way of getting her message across; by placing a lot of significance in simple phrases that require several real-throughs before the true concept and meaning is properly grasped. For example, upon first glance, Dickinson’s phrase “forever is composed of nows,” could be deemed confusing. What exactly does it mean? Does it even make sense? In short, yes. By living in each moment – each ‘now– and making decisions and adopting attitudes based on the here and now, you are determining your future – your ‘forever. Who you are now, and the decisions you make now, determine the path you take and the person you will become. So make the decision to tackle your bankruptcy. Take the required Credit Counseling and Debtor Education courses, and get on the road to a fresher financial future.

Dickinson believed highly in the power of possibility. Her work itself is scattered with possibility, in encouraging her readers to adopt her positive ‘can do’ attitude – “I believe in possibility…dwell in possibilities…the possible’s slow fuse is lit by the imagination.” In saying this, she is reinforcing the fact that your mind has more influence than you may realize.  Tell yourself you can do something, and your world opens up. Possibilities only become apparent when you open your mind up to them; when you imagine. Imagine you can get through this bankruptcy filing, and you will. You will become a stronger person because of it. How are we so sure? Well as a wise American poet once said, “A wounded deer leaps highest…”In being ‘wounded’ by bankruptcy, when you shakily stand up on those deer legs of yours, you are going to be able to jump higher than you ever could before. Why? Because you went through an incredibly difficult, life-changing situation…and survived.

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Authors To Inspire You Through Your Bankruptcy: A. A. Milne

a.a.-milneOur previous post on Roald Dahl really struck a chord and got us thinking about the needs of bankruptcy filers during their time of financial distress. If the wise words of successful authors offer inspiration and comfort during this time, then why shouldn’t we share more on the topic?

So today we are moving on to a new author. You will have almost certainly heard of this famous name; the genius behind Winnie the Pooh and other successful plays and poems…A. A. Milne. He was a British author, starting out as a playwright before reaching success by touching the nation’s hearts with Pooh bear.

He had such a great way with words and conveying uplifting messages to his readers – “If ever there is a tomorrow when we’re not together… there is something you must always remember. You are braver than you believe, stronger than you seem, and smarter than you think.” We love this quote, and it is so fitting for someone going through bankruptcy and experiencing those occasional moments of despair. It is not an easy process to have to endure, and understandably you may question your strength when trying to get through it. So during those times, remember this quote. And think of Affordable Bankruptcy Courses 😉

“People say nothing is impossible, but I do nothing every day.” While we wouldn’t go as far as to say to ignore everything people say when you are filing (as tempting as that may sound!), there will be a lot of people offering opinions that may not be entirely relevant to your situation. People may be providing advice you don’t wish to take, or offering opinions based on their own personal experience. You are the one who determines what you can and can’t achieve; if someone tells you it is ‘”impossible” to do a certain thing while you file, seek the advice of a bankruptcy attorney to verify the statement. Even though people have your best interests at heart, their opinions may be reflections of their own bankruptcy experience, which will, of course, be different to yours. So, as A. A Milne writes, “Think it over, think it under,” when taking such advice into consideration.

Sometimes when you are reading a long book, the text can get a little tedious. But not with A. A. Milne. “Oh Tigger, where are your manners?” “I don’t know, but I bet they’re having more fun than I am.” He is such a clever writer, simultaneously injecting humor and imparting wisdom into his stories. This quote very much reinforces the notion that we should aim to live more in the moment, as opposed to worrying about the past, future, or wondering if we would be better off having taken a different path in life, or made different decisions. Do not think “what if”; just concentrate on the here and now. You are already involved in the bankruptcy process, so beating yourself up about the history of your spending habits will do no good.

What you can do, however, is implement change for the future. Bearing this in mind, it is also important to remember to pace yourself. As A. A Milne wrote, “rivers know this: there is no hurry. We shall get there someday.” You cannot achieve everything overnight. You will eventually get to where you need to be, if you keep moving forward at a steady pace. For example, first start reading up about budgeting. Then maybe consider rebuilding tools. Start by taking things in manageable steps. After all: This isn’t a race, it is your life.

This brings us to the end of today’s post. We hope the teachings and writings detailed here have helped you in some way as you mentally prepare to file for bankruptcy. And if all else fails, remember that “Nobody can be uncheered with a balloon.”

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Bankruptcy Filers: Try Sending Yourself A Letter!

writing-a-letterAffordable Bankruptcy Courses already wrote a post of this nature a while back, speaking directly to the person we are most concerned about: YOU! The post was titled ‘Dear Bankruptcy Filer…’ and was a message from someone having gone through bankruptcy, written to themselves before they filed – to give them an indication of what was in store for them, and to remind themselves that the process of bankruptcy, as scary as it seems, is not the be all and end all.

This post incorporated what we feel are the main concerns for people filing. In summary: Bankruptcy is not permanent. You will recover. You won’t lose all your assets. You will still be employable. You can still have access to credit after you file.

Writing a letter of a similar nature may be of benefit to you, to help remember the difficult process you went through and – most importantly – that you survived it. It could serve as a point of reference throughout other difficult periods in your life, to remind yourself how strong you really are. It could help others going through the same financial struggles. It helps you to stay accountable, and remind yourself of how far you have come. It is a great tool for personal development. Concepts like budgeting and financial management are now a part of your daily life, whereas they weren’t before. You learned from your Credit Counseling and Debtor Education courses, and are now able to put your new skills and knowledge into practice to avoid having to struggle financially in the future.

Once again, please view the post yourself to read the short letter, and let us know your thoughts. Our blog is here to help bankruptcy filers and their attorneys. If there is anything we neglected to mention which you would like us to include, please let us know.

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Some Lessons We’ve Learned About Bankruptcy

bankruptcy-lessonsSince our establishment in 2012, at Affordable Bankruptcy Courses we have helped a large number of people through their bankruptcies. And based on their feedback, we have been able to learn a lot during their journey too. We put together a few things we thought would be valuable to share with those who are considering filing for bankruptcy and are – understandably – apprehensive about the process and what it will entail.

1)    You are not alone. Financial problems are much more commonplace than you would initially think. Managing your finances is not easy – if it was, then there would never be a need for bankruptcy, and companies like Affordable Bankruptcy Courses would cease to exist. But we do, and bankruptcy is a common phenomenon, with 238,708 people filing in the first quarter of 2014. So almost one million people will file this year alone. Remember this figure next time you feel that financial struggles are few and far between, because you are definitely not one of the only ones struggling.

2)    You have made a positive decision! The concept of bankruptcy has a negative connotation with it, but in all honestly, it shouldn’t. It did not cause your financial problems, it is occurring as a result of them. It is a form of debt relief, and an opportunity for you to start fresh. And having taken your Credit Counseling and Debtor Education courses, afterwards you will be equipped with the tools and knowledge to solidly manage and build your savings, to avoid financial struggles in the future.

3)    Never give up. When trying to cope with financial distress, it can be tempting to throw in the towel and admit defeat. But as H.W. Arnold once said, “The worst bankruptcy in the world is the person who has lost his enthusiasm.” So by putting a positive spin on the situation and thinking of it as a fresh start and an end to your financial troubles; you are opening yourself up to the possibility of a brighter financial future. Now is the time to learn about concepts such as budgeting and financial management to help best avoid financial troubles occurring again and offsetting your new, positive lifestyle.

4)    Your life isn’t ruined after filing. Yes, things such as finding a mortgage right away will be tricky, but this won’t last forever. It is possible to bounce back after bankruptcy – did you read our previous post on famous bankruptcies? – and many have done just that. Think of bankruptcy as a rather annoying blip on your financial radar. It won’t go away without you dealing with the problem, but once you do so, you are clear to start fresh.

For those of you considering filing for bankruptcy, we hope some – if not all – of these words of wisdom helped somewhat. And for those of you who have previously filed, how easily could you relate to these? Let us know in the comments section below.

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