Archives For how to get out of debt fast

129 DSR – What You Should vs What You Could

September 12, 2013 — Leave a comment

Podcast: Play in new window | Download

if you could
Voicemail from Anderson in Boston, MA

What should you be doing?
What could you be doing?
What’s the difference?

The world (should), convention, tradition, routine, the past.
The spirit (could), potential, possibility, power, the now.

The great dichotomy
dichotomy – a division or contrast between two things that are or are represented as being opposed or entirely different.

The great lobotomy
Cut out of your life what you think you should be doing and start doing what you could be doing.
What you want to do.
What you love to do.

Debt can be an excuse for not living your life.
I can’t, I’ve got bills.
When I get the kids thru college, then…..
When we pay the house off, then…..
When I get that raise/promotion, then….
Being debt free, removes the excuses. If you want it to.

Fear makes you the observer and not the participant. TV allows you to watch people do things extremely well instead of doing them badly yourself. Thank you Tom Hodgkinson

Give us a call on our voicemail feedback hotline at 615-200-7189 or drop Greg an email at:
greg [at] debtshepherd [dot] com

There is no need to copyright truth

In Motivation, Psychology, Spiritually Speaking , ,
permalink

128 DSR – John From NYC – Interview

September 6, 2013 — 2 Comments

Podcast: Play in new window | Download

life is short
Life is short, you only live once. Why not live free?

“Plastic has wings to fly out of wallets and purses and mannequins in a store front window get more looks than artwork in the Metropolitan Museum of Art.” – John from NYC

Consume – to use up or destroy as in fire. Cancer.

Q: If you could change one thing about money, what would it be?
A: Eliminate interest charged in lending.

Give us a call on our voicemail feedback hotline at 615-200-7189 or drop Greg an email at:
greg [at] debtshepherd [dot] com

There is no need to copyright truth

In credit, Interviews, Psychology , ,
permalink

127 DSR – I’m Asking For Advice

August 31, 2013 — Leave a comment

Podcast: Play in new window | Download

advice_for_web

Listener appreciation – John from NYC sent us an email.
Rebecca from Germany sent us an email and some voicemails.

Mortgages –

I owe $64k. Have ability to owe $54k now and $44k in a yr.
If we prepay principle balance we can be mortgage free in 3.5 yrs.
Wife will retire in 2-3 yrs.

Do we stay and pay down the mtg? or
Do we move and borrow $100 to $125k?

Here – clean, safe, quiet. Pmt less than $800/mo.
2 BR – 1.5 BA, 1,200 sq. ft. condo

There – clean, safe, quite. Pmt same
3 BR – 2 BA, 1,300 sq ft. / .50 acres, fenced yard, add 40 min. to work commute for a total of 1 hr. drive to work each day.

Give us a call on our voicemail feedback hotline at 615-200-7189 or drop Greg an email at:
greg [at] debtshepherd [dot] com

There is no need to copyright truth.

In Get Personal, Mortgage , ,
permalink

126 DSR – Sameness Disguised as Variety

August 23, 2013 — Leave a comment

Podcast: Play in new window | Download

The Sea Of Sameness

Strip malls
Restaurants
Retail stores
Travel across America what do you see?

Cut and paste capitalism. Purely profit driven. Maximum profit, minimum creativity. “Starbucksification” as Tom Hodgkinson puts it in How to be Free

Thinking you have selection makes you feel powerful and free.

Is thinking you need wide selection in order to feel powerful and free a sign you don’t feel powerful and free in the first place?

“Fashion is an attempt to decorate our own inauthentic lives.” – Michael Tsarion.

You want to be different in appearance, stand out from the crowd. Why the need to be noticed? To what end? I want you to see me, accept me. I want to be noticed but left alone. I’m over here, but don’t ask me to be responsible for anything.
Do we just want to be acknowledged? Justify my existence?

Acknowledge yourself.

——————————————–
“Starbucksification” as Tom Hodgkinson puts it in How to be Free

Starbucks was losing money. They shut down stores for a few days for training. Problem? Quality suffering, customers unhappy, profits falling. Why was quality suffering?

People wanted it faster, Starbucks was trying to deliver. Quality suffered. Anytime you speed things up you get hurried and give less of yourself to the task at hand. You dilute purity/potency in an effort to sell more stuff. If you want it faster, you get hooked on faster. It takes more to stimulate you. You feel empty. Search outside for remedy.

Sameness Disguised as Variety.
Different as people AND equal at the same time.
We Are All One (Sameness) Showing Up As More Than One (Variety).

Resource:
How to Be Free – by Tom Hodgkinson

Chapters:
Cast off your watch
Stop Competing
Escape Debt

Give us a call on our voicemail feedback hotline at 615-200-7189 or drop Greg an email at:
greg [at] debtshepherd [dot] com

There is no need to copyright truth

In Psychology , , , ,
permalink

125 DSR – The Problem With Screens

August 18, 2013 — Leave a comment

Podcast: Play in new window | Download

fuzzy-tv-screen

TV screens. Computer screens. Phone screens. Movie screens.

Quote:
“By parading a stream of other people’s lives in front of us, screens remove the responsibility to create our own lives. We watch other people doing things instead of doing them ourselves. This makes us radically powerless, and powerlessness leads to anxiety. And anxiety leads to shopping. Shopping leads to debt. Debt leads back to anxiety.” – How to Be Free by Tom Hodgkinson

Observation:
Western consumerism teaches you to live vicariously thru others. To live vicariously thru your possessions. If you buy first, then you will feel, experience, be.

Definition:
Vicar = representative, deputy, or substitute; anyone acting “in the person of” or agent for a superior.

Example:
The Vicar of Christ.
A religious term, thought system word, gatekeeper word. Slavery.

Two Sides:
The dumb animal side
The smart mind side

Give us a call on our voicemail feedback hotline at 615-200-7189 or drop Greg an email at:
greg [at] debtshepherd [dot] com

There is no need to copyright truth

In Psychology, Technology , ,
permalink

124 DSR – Love & Money: Friend or Foe?

August 10, 2013 — Leave a comment

Podcast: Play in new window | Download

Love & Money

Love & Money
Are they friends or enemies?
Do they work together or fight?
Are they kindred spirits or total opposites?

Love = energy, attention/intention
Money = energy, attention/intention

How much time do you spend pursuing money?
Thinking about it? Using it? Dreaming about it?

How much time do you spend pursuing love?
Thinking about it? Dreaming about it?

Options:
Less money, more time.
More love, less anger.

Give us a call on our voicemail feedback hotline at 615-200-7189 or drop Greg an email at:
greg [at] debtshepherd [dot] com

There is no need to copyright truth

In Money, Psychology, Spiritually Speaking , , ,
permalink

107 DSR – Ugly Math

May 6, 2013 — Leave a comment

calculator

PODCAST AUDIO – click to play

Title pawn loans, pay day loans, rent-to-own. They all practice what’s called Ugly Math. You pay ridiculously high fees and rates of interest.

In this episode I sit down with Oscar Smith and we discuss what ugly math is, how to avoid it, and why it’s important. Oscar and I are working to make ugly math a weekly episode.

Resources:
Oscar Smith

Give us a call on our voicemail listener feedback line at 615-200-7189 or drop Greg an email at:
greg [at] debtshepherd [dot] com

There is no need to copyright truth

In Education, Money, Psychology, The Basics, The Economy , ,
permalink

103 DSR – Rebecca from Germany – Interview

April 20, 2013 — Leave a comment

German_Flag

PODCAST AUDIO – click to listen

In this 103rd episode about personal finance, I talk to Rebecca from Germany. She shares her insight about debt elimination and what it’s like in Germany compared to The United States.

Interview questions:

Who is Rebecca?  Tell me about yourself.

What got you interested in learning more about finances?

When did you decide to make changes?

Where do you see yourself financially in 5-10 years?

Why do you think so few Germans understand personal finance?

Resources:
coursera.org – Fundamentals of Personal Financial Planning
Dave Ramsey

Give us a call on our voicemail feedback hotline at 615-200-7189 or drop Greg an email at:
greg [at] debtshepherd [dot] com

There is no need to copyright truth

In Education, Interviews, Motivation, The Economy , ,
permalink