Tips for Recovering from Debt

Debt is scary. If you’re feeling trapped by your finances then it’s understandable that you just want to bury your head in the sand because it can be so overwhelming. Life can feel out of control. When people don’t even know where to start they tend to avoid taking action. That’s when the issues tend to snowball out of control.

Debt can be stressful, but the idea of debt in itself isn’t stressful. Debt that’s in the form of a personal loan provided by is often associated with a sense of freedom because it enables you to do the things you want to do, in the short term, but could come at a high cost in the long-term unless you manage your finances responsibly.

The stress people feel when in debt tends to come from the debt collection activities that ensure when people fall behind with their payments. The prospect of consolidating your debt into one larger amount in order to pay off the smaller bits of debt you have can offer immediate and permanent relief from the stress that comes with being behind with payments.

Indeed, the main benefit of consolidating your debt, aside from the obvious financial benefit of avoiding late charges being applied and compounding… is that you’re now dealing with just one creditor rather than several and can get things back on track. This way, rather than having a number of debts with late payments (which can seriously affect your credit score) you now have just one debt with payments that are (hopefully) being made on time.

Check out three tips that will help you take charge of your credit record.


The first step is to check your credit report and find out what your financial situation is.  The first thing you’ll want to do is to check for errors; some credit reports contain many errors and this can be due to simple administrative issues or more complex matters such as identity fraud, Be sure to check there are no late payments incorrectly listed for any accounts and dispute any errors you do find with the credit bureau.  To find out more about credit bureaus visit:


If you have missed payments, then stop worrying about this – the damage is done – all you have control over is the current moment which will directly affect what happens next, and the best thing you can do moving forward is to ensure your bills are paid on time.  Sometimes, borrowing money can be a justifiable and viable way to consolidate your debts and get back on track.


It’s important to know the steps you need to take before applying for a loan. One of the most important steps in rebuilding your credit history is actually getting credit.  There are financial products available that can help people in financial trouble consolidate their debt into one manageable monthly amount. This can even help those with poor credit records.

You Don’t Have to Stay Trapped by Your Finances

Feeling trapped by finances can feel like you’re drowning. There is hope and you can totally gain control of your financial situation. It will take work and a plan, but you can move on and put it all in the past.

How To Create A Super-Happy Work Environment

How To Create A Super-Happy Work Environment

Recently, I overheard a conversation that kind of hit a nerve. I heard someone say, “work shouldn’t be fun; that’s why it’s called work.” I couldn’t believe someone would roll over and accept 8-10 hours of misery five days a week. It makes no sense, partly because happy people work better but mainly because work is just a part of life and life should be as fun as possible.

This got me thinking. How can entrepreneurs and leaders create happier working environments? It’s in their best interests to do so because a happy culture will attract top talents, breed creativity, stop turnover from getting too high and make people love coming to work. You’ll have the sort of office that pops up on Instagram under #MondayMotivation. How cool is that?!

So, without further ado, here are some amazing ways you can make your office culture fifty shades of happy and enjoy the benefits of having happy employees!

How To Create A Super-Happy Work Environment

Give ‘Em A Little Hello

It takes a fraction of a microsecond to say hi to people, but it will go a super-long way in making a workplace happier. Your employees want to feel happy at work, so give them a big old high five in the morning and back it up with the sort of smile that says, “Damn I’m happy you are here.”

Praise Your People

The moment someone feels underappreciated at work, they start searching for jobs elsewhere. That’s the number one reason people leave a job. Not low pay, not the lack of vacation time, not the poor flexibility on offer. Underappreciated. So stop waiting for review days and start praising people. In public. With enthusiasm. Because why not?

Think About Them More

The more you can think about your employees from their point of view, the better chance you’ll have of making them happy. People want to work somewhere with life and soul, so have music on and put houseplants everywhere. They want to work somewhere safe and not have to consider visiting out of fear of what might happen. Employees want to work for a company that values the importance of a good work/life balance. They want to be in an office where that Friday feeling is celebrated. They are only human after all.

Hire Happy People

Happiness spreads happiness. It’s infectious. Utterly irresistible. So when you are posting your job descriptions, specify that happy souls are welcome. Look for people with an infectious laugh and a dazzling sense of humor and watch as it ripples throughout your office. More optimism, more happiness, and higher spirits mean better productivity and motivation. That should be enough to make you review your hiring requirements.

Creating a Happy Work Environment

Work doesn’t – and shouldn’t – be miserable! You spend most of your time with your work family, so be sure that you are hiring the right people that will make your business thrive with success and happiness. Remember: happy people work better!