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Luck – Does it Really Exist?

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I think about all of the things that happened in my life (financially speaking), and I have been fortunate that in our darkest times something happened that helped us through. Maybe it was some unexpected money (like a forgotten rebate) or maybe it was getting an interview for a job.

Would you say that we were lucky?

Luck is a term used often, but sometimes I think there is no such thing as luck. Yes, there is something to be said about being in the right place at the right time. I think that can have a lot to do with what happens in our life. Then the question becomes, “Why were you in the right place at the right time?”

I believe it all has to do with one word – attitude. A positive attitude can do so much. Not only do you generally feel happier, your eyes are wide open to be able to see something that can make things happen…opportunities! For most of us, life is an upward battle and opportunities can take us to the next level.

Without a positive attitude, your head might be held low and opportunities can pass you by. When I was out of work and searching for employment, our credit cards were only a few hundred dollars away from being maxed out. I briefly lapsed into a depression because I didn’t know what to do because we were running out of borrowed money to live on.

During the time I was depressed, I wasn’t looking for work. Opportunities were passing me by and all I could do is basically feel sorry for our situation. I did snap out of it and I knew that if things were going to happen for us – I had to make it happen. I had to hold my head up high and believe in myself. Believe in my love for my family. Believe in my desire and power to make our life better.

I don’t think luck had anything to do with what happened in our situation. I believe it all had to do with a positive attitude and believing in ourselves. That’s something that we all have the ability to do and we all have the ability to be in the right place at the right time and make things happen.

Welcome New Visitors!

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If you are visiting the first time after reading the article about me written by Scott Burns, I’d just like to say thanks for stopping by.  Scott was a great interviewer, and after reading his words – wow.  He said some really nice things about what I am doing.  Thank you Scott.

I do have a little About Me page that gives a few links to pages where I discuss our income as well as our expenses.  I’ve found that keeping track of where our money goes has been instrumental in reducing our debt. Basically, what I have been doing here is just writing about things I am doing to reduce our credit card debt.  I post it online and I welcome all comments or questions.  Although there are many basic methods for debt reduction, there is a lot more to it.  I try to write about what is working for us.  As Scott mentioned, I even gave people to people lending a try through Prosper.com.  I managed to take a bit of our debt and reduce the interest rate from over 16% to 9.9%. 

I also have on the bottom right hand side of my blog a list of other blogs that I follow.  There is a great world of personal finance blogs out there and each of them offer something of interest and I can’t thank them enough for the support they have given me.  To keep up with other happenings with personal finance blogs, my main tool is pfblogs.org.  This site displays the feed of over 300 blogs and confinually updates with new posts.

I welcome you to subscribe to my feed if you’d like to keep track of how things are going.  And again I would like to thank you for stopping by 🙂