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As 2010 begins, it is a great time to reassess and adjust your life plan, particularly evaluating financial stability and life fulfillment, which were major difficulties for Americans in 2009.

1. Remember, you are the boss of your life! When making life-changing decisions, such as employment transitions, maintain control of your future! Like many, you may have entrusted your life and your financial plan (fixed salary, pension, benefits, etc.) to someone else and ended up at a financial loss you never expected. So, do not trust or rely solely on others (an employer, financial advisor and investment broker) to control your financial future. Follow God’s advice and direction. To avoid others from getting a grip on your finances, read “How to Hear God to Prosper.”

2. Remember the things you are thankful for. Many people experienced challenging times in 2009 because of material-losses—houses, cars, possessions, salaries, investments, etc. Do not overlook non-material assets in your life. Loyal family and friends are always a blessing. Good health is extremely valuable, particularly during hard times. If you have a sense of humor or an optimistic outlook, you have a good thing. Materialism does not contribute to a life of worth and fulfillment, but many of the things we cannot buy, like great personality attributes, do.

3. When incorporating a new plan, assess what you have done wrong or would like to do better in order to experience a change for the New Year. Don’t beat yourself up for wrongs you have suffered, just address them, so you do not repeat them. If you worked at a job you hated, start planning to change to something you enjoy. Being true to yourself eradicates discontentment.

4. Find your happiest self. What makes you happy? What is the one thing you would love to do everyday for the rest of your life? Do not dismiss something because you do not have the money or resources to do it. Once you determine what you really want to do, then find resources to make it happen.

5.  Make a difference in someone else’s life. Help someone by using your expertise; give someone free advice or a free service. Many problems we face, as a nation, can be solved by helping one another. A change in our outlook is necessary in 2010—instead of looking for the government and others to help us, 2010 needs to be the year we seek out those we can help, in our community and elsewhere.

6. Make sure to include God in your plans for the New Year. This does not necessarily mean you have to go to church every Sunday. More importantly, you must know God. Many Americans have incited third-world conditions for themselves because they practiced the customs of foreign religions, rather than Christianity. Too many Americans have never studied Christianity, even though we live in a country that was founded on Christian principles, and blessed. A simple way to understand Christianity is to read the Gospels—Matthew, Mark, Luke and John (the first 4 books of the New Testament of The Bible). To learn how to prosper, using simple godly principles, read “How to Hear God to Prosper.” Do not underestimate knowing the true God. Knowing the true God is the difference between having a prosperous year and having a year worst than America experienced in 2009.

© Found Treasure Publishing 2010

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When faced with a possible foreclosure it is easy to overlook the importance of everything else—one being, valuables that cannot be replaced. Even though homeowners often are left uncertain as to when or if they must move in a foreclosure process, it is important to plan and organize as early as possible to avoid leaving valuables behind.

Prepare to move, when foreclosing, the same way you would prepare to move if you were selling your home. If you were selling your home, you would pack your valuables and remove all items from the property. Even when faced with foreclosure, always leave a place the way you want your next home to await you. When vacating a home, always remove all your belongings, including items you no longer want.

It is best to organize your belongings, whether you foreclose or not. If a foreclosure is inevitable, you want to be prepared, and if the foreclosure process is stopped, you can always unpack.

1.     Box all your cherished items—photo albums, heirlooms and important documents that you will need. Do not let go of your family history, to be thrown out like trash! You can get another house; you cannot replace family heirlooms once they are destroyed. If you don’t remove your possessions, the mortgage company will have someone throw your items out or swatters will rummage through your things.

While you may not want a reminder of the foreclosure, you will regret leaving your belongings behind. There are things you will want weeks after the process is behind you, once you can see your way to a new home. You don’t want to spend months and years purchasing the same items you trashed. Even though, you want a fresh start, you will want things that you are familiar from your past—they will give you comfort. Make sure children take favorite items to give them a sense of familiarity.

2.     To make your move as stress-free as possible, plan a garage sale or sell items on Ebay. Making extra money is always a good thing and selling as much as you can will give you less to move.

3.     Now is a great time to give to charity. Think of people and organizations, who you can give items to, which you no longer need that are in good condition. Don’t look at your possessions as a burden, but as a blessing that you enjoyed in the past and someone else may enjoy in the future.

4.      Throw out everything you do not want to take or give away.

Even though, you may be forced to leave a home against your wishes, don’t put your frustration out on your belongings or on the property. Plan your move in anticipation of purchasing again.

© Found Treasure Publishing 2009

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