How to Use Lifestyle Design Without Upending Your Life

How to Use Lifestyle Design Without Upending Your Life

When you hear the words ‘lifestyle design’, you will probably find yourself thinking of digital nomads. These are people who take their laptop under one arm and go travelling around the world to spend time in other countries. They work on the go and this gives them the freedom and flexibility to see amazing sights, meet new people and generally live a completely untethered life.

But there are downsides to this kind of lifestyle. Apart from anything else, it means that you don’t have a home and you don’t have the option to go back and enjoy a nice hot drink and your favorite TV show. If you have a family, then working online really isn’t an option.

So what do you do instead? Here’s how you can use lifestyle design in other ways to increase your freedom without sacrificing security or comfort.

The Halfway House

If you work online, then you can work from anywhere and you can work when you want to. This means you don’t have to be tied to anyone place but that doesn’t necessarily mean you have to travel the world!

Think instead about all the places near you that you might like to visit. I personally live in London. Most days I just work in the coffee shops local to me and I love hearing people chat around me and go about their business while I drink in a warm and creamy Americano.

But then some days I’ll go and visit the rest of London. Sometimes I work at the amazing Madison’s roof bar where I have an amazing view of St Pauls. Sometimes I work on Southbank and watch all the commotion along the Thames. Other times I work in the British Library which has amazing facilities and a very studious feel.

And if I’m tired? Then I just work from home and enjoy the ability to work in my pyjamas.

Flexibilty and Freedom

From time to time though, I do make better use of the freedom my work affords me. Sometimes for example, I go and visit Europe using my pilot friend’s staff travel and I can stay there for a long weekend while working. If my wife is away, why not?

Other times I’ll travel to other parts of town where friends work and meet them for lunch or a beer.

I work out every morning from 9-10am because I don’t have a commute and can finish at 6pm. I have zero problem getting haircuts or visiting the bank either because I can book appointments in work hours. I can eat big meals at home, or just pop into a shop to grab lunch to enjoy with a view.

In short, you don’t need to be travelling the world to live a freer lifestyle. In fact, most of us would probably choose to stay where we are. But simply not having to commute to a busy office 5 days a week is more than enough reason to give lifestyle design a try.

How To Be Anything You Want To Be

How to be Anything You Want to Be

Too many of us are trapped in the work we do because we think it’s the only way to get what we want out of life. No matter what your job, the assumption is normally that you can work harder and work longer and that way earn enough money to stop worrying about finances, possibly to move abroad, maybe to buy your ideal home.

This is how you can make life the way you want it and thus you can no option but to work harder and work longer – especially as the costs of living start going up and you find yourself with more and more responsibility.

But the irony is that you’re doing all this work to succeed at something you probably never really had much interest in. You probably never intended to get into logistics, or administration and so why are you bending over backwards to make it work?
What about that dream to be a painter? A writer? Or a singer?

The irony is that you can still do all those things. And moreover, there’s no need for you to be working such long painful hours…

How to be What You Want to Be

Our problem is that we put far too much stock in our careers. We define ourselves by our jobs and we often ask people when we meet them at parties: what do you do for a living?

In fact though, neither your success nor your income is necessarily tied to your day job and there are many ways to be successful that don’t involve working harder.

Want to become a singer? The easiest way to do that is to create a YouTube channel where people can see you singing and then to promote that. If you’re good at what you do, you’ll get the subscribers and you can earn a side income from it!

Likewise, if you want to be an artist then you can start creating art in your spare time and use that to earn extra income by selling online or through local restaurants etc.

In other words, you don’t need to be successful in your job to be what you want to be – in fact the two are often diametrically opposed. The objective should instead be to gain more free time by working less and then to use that free time to pursue the hobbies and activities that you’re passionate about. Now you have the stability that comes from employment but also the chance to fulfil your dreams and to be successful doing what it is you love.

And guess what? As soon as you put pen to paper, you are a writer. As soon as you make a sculpture you are a sculptor. It’s that easy to be what you want to be: it’s only being successful that’s hard! But if you already have an income and you love what you do, does that even matter?

Most of us already have the means to live the life we want but we get too caught up in the rat race to realize it!

How To Improve Your Credit Post-Bankruptcy

Post-Bankruptcy Credit Improvement Tips

You’ve filed bankruptcy and your credit is likely as low as it’s ever been. boostingcreditscoreBut it doesn’t have to stay that way. The moment you declare bankruptcy, there are actions you can take to immediately start rebuilding your credit.

Here’s how to start improving your credit score right after a bankruptcy event.

==> Do a Careful Credit Report Check

Look over your credit report. Then look over it again. Carefully check that each and every account is being reported properly.

Old debts that were wiped out should indicate a “BK” status. Debts that aren’t reported properly can continue to damage your credit score, so make sure that any cleared debts are indeed being reported properly.

==> Pay Your Mortgage On Time

If you managed to keep your house in the bankruptcy process, make sure you do everything in your power to pay your mortgage on time.

Your mortgage has a bigger impact on your credit than anything else. If you can manage to keep it current, that’ll really help your credit score. If you go delinquent on your mortgage, the rest of the techniques in this article won’t help all that much.

==> Get a Secured Credit Card

Get a secured credit card to start building up your post-bankruptcy creditworthiness.

A secured credit card entails you putting down a small deposit, usually between $300 and $1,000, to open a cash-backed account.

Your money will be held as collateral. You can then use your card as a credit card. Pay it off every month, on time, to start rebuilding your credit.

Make sure that your card is being reported to all three credit reporting agencies.

==> Cutting Your Spending

Having to file bankruptcy means that at some point in your life, you spent more money than you really had. In order to prevent that from happening again, you need to make sure that you’re regularly making more money than you’re spending.

Any additional cash you earn can be used to improve your financial situation. It can be used on improving credit, paying off debts that weren’t wiped out during bankruptcy, or building savings.

Start by cutting back on auxiliary spending. Move into a smaller house or apartment if you can. Try to save 10% to 20% of your income every month.

==> Make a Small Installment Purchase

An installment purchase is treated differently on your credit report than revolving credit (e.g. credit cards). They’re treated with more weight.

An installment purchase includes car loans, home mortgages or even furniture purchases that are paid off in installment form.

Make sure that any installment purchase you make is reported to all three credit reporting agencies. Getting an installment loan and paying it off on time regularly can do a lot for rebuilding your credit.

If you apply these techniques, your after-bankruptcy credit can improve to the point where you can open new unsecured accounts within 2 or 3 years.

How to Get Debt Collectors to Stop Harassing You

stopthecallsHow to Get Debt Collectors to Stop Harassing You

Are those annoying debt collection calls getting to you? If a company believes you owe them a debt, they do legally have the right to contact you to retrieve that debt. However, in just 30 minutes of work, you can get them to never contact you again.

Here’s how to get debt collectors of all non-business debt to stop harassing you.

==> Before Getting Started

Before you request them to stop contacting you, it may be a good idea to actually talk to the collectors just once.

That way, you can get a good idea for what’s going on. The debt could be a lot less than you expected. Or you might be able to negotiate a much better deal than you’d expect.

Often paying a fraction of your debt may be better for you and your credit than if you just defaulted on the debt.

That said, if you do choose to ignore your creditors, here’s how to get them to stop contacting you.

==> Cite the Fair Debt Collections Practices Act

The Fair Debt Collections Practices Act (FDCPA) is the act that prevents debt collectors from acting out of line. It’s also your main leverage when it comes to getting debt collectors off your back.

If you want debt collectors to stop contacting you, all you need to do is send them a letter citing the FDCPA. Ask them to cease all contact with you as required by law.

Make sure you send the letter with a return receipt, so you know when they’ve received the letter.

Once they’ve received this letter, they cannot try to contact you to collect a debt any longer. The only two reasons they can contact you for are to either let you know that they’ve added you to their “do not contact” list or to inform you of further action, such as a lawsuit.

There are many different templates you can find online for cease contact request letters. It’s very easy to just print one of these out, replace the address and mail it.

==> What Happens If They Still Contact You?

If they continue to contact you after you’ve sent them the letter, you’re eligible for a lawsuit.

You can get paid $1,000 plus legal fees if a debt collector still continues to contact you after you’ve requested them to stop. You don’t have to prove damages.

Using this simple method, you can get a creditor off your back in as little as 30 minutes. All you need to do is buy an envelope and stamps, print out the letter and put on their address. After that, you should either have no more contact or be eligible for a lawsuit if they keep pestering you.

How To Start Living In The Present

The Power Of Living In The Present

Most of us are so consumed by the past and the future that we forget to live in the present.

Living in the present may sound like a New Age concept, but it can be one of the most powerful tools for living your best life.

Most of us live our lives like we need to be constantly doing something to achieve success.

Each of us has our own definition of success and what we need to accomplish to achieve it.

Many look at becoming a doctor, veterinarian, dentist, banker or lawyer as achieving success.

However, there are many unhappy people out there that have reached that level of education.

Veterinarians are reported to be at the top of the list for the profession most likely to commit suicide.

The drive to constantly do something makes us distracted and keeps us so focused on the daily grind that we have little time for relaxation, de-stressing, or self-development.

The desire to stay busy and succeed can be influenced by trying to keep up with the success of others. The constant desire to make more money, acquire the latest, biggest or the prettiest keeps us distracted from recognizing what is really important in our lives.

Trying to have more material things frequently leads to a life of debt, forcing us to remain in this vicious cycle just to pay the bills.

The fear of losing everything if we slow down or refuse to see one more client can make us feel stuck and unable to change.

If you want to make a personal transformation, you will have to make a decision to start living in the present, so that you can regain your personal power and start living fully in the present.

Until you quit living in the past you will always have trouble living fully in the present.