| One in every 7 homeowners is facing | | | | very strong and we rarely realize its full potential. |
| foreclosures the numbers of people in crisis are at | | | | Positive thoughts create energy while negative |
| epic proportions in 2009 and growing, | | | | thoughts destroy energy. Read inspirational stories. |
| unfortunately most of the reports only deal with | | | | Only listen to positive news and refuse to allow |
| the implications on the lenders and the help is | | | | the negative news into your thinking, listen instead |
| slowly trickling in. The lenders were not prepared | | | | to the positive. Utilize affirmations. Make a list of |
| to deal with the kind of numbers of loan | | | | everything that you are thankful for and read it |
| modification requests coming in and have had to | | | | regularly. We all have a choice of how we focus |
| ramp up and train staff just to try to catch up. A | | | | our energy focus it on what you do want not on |
| handful are doing a good job and the others | | | | what you do not want to occur. Energy flows |
| unfortunately are still navigating through the crisis | | | | where attention goes. |
| at a snails pace and cannot keep up with the | | | | 3. Live in the NOW. |
| sometimes weekly changes in systems and | | | | While we need to learn from the past and plan |
| guidelines. For the employees at the lender it is a | | | | for the future. It is a waste of time and energy |
| different kind of stress and issues of workload | | | | to have anxiety over things we ultimately no |
| that sometimes gives you a less than pleasant | | | | longer have control over. We can use the past as |
| person to deal with on the other end of the line. | | | | a learning tool to avoid repeating the same |
| You must put this all into perspective for you to | | | | mistakes, but there is absolutely no value in |
| avoid frustration and add to your own stress with | | | | second guessing our past decisions or blaming |
| giving other peoples attitudes too much | | | | ourselves. Do not dwell on the past. In addition, |
| importance. It is important to get prepared and | | | | neither is spending too much time worrying about |
| dig deep inside to find patience if one is to | | | | the future. You can be more productive with your |
| venture into trying to save your home and do it | | | | time in the present as it is the only thing we can |
| yourself as recommended by the government, | | | | control. Take it one day at a time facing each |
| and the lenders. The collapsing housing market | | | | new situation as it comes and applying the lessons |
| offers tremendous stress and uncertainty for | | | | you have learned to today's situations. It is |
| many and many psychologists warn foreclosures | | | | important for you to set your goals and work |
| take a deep emotional toll on people and families | | | | daily and without getting frustrated in that |
| as well. If you are going through this you will | | | | direction to get them accomplished. If you have |
| know what they are talking about. | | | | the confidence that you are doing the best you |
| Your home carries a sentimental attachment that | | | | can and moving forward you can have a positive |
| brings a complex sense of loss and emotional | | | | attitude towards everything you do, it will and |
| roller coaster for many people when faced with | | | | does make a difference in every situation. |
| the thought of foreclosure. People don't just live in | | | | 4. Strengthen your family. |
| a house they consider it a home filled with | | | | Let your kids and family know that you are doing |
| memories, friends, community and familiarity. | | | | everything in your power to remain in your home |
| When faced with losing your home all of these | | | | and at the same time assure them that any |
| feelings and emotions get triggered and surface, | | | | decisions you need to make will be the right ones |
| and you may say or do things you will later | | | | for your family even if it includes moving. It is |
| regret. Thats why it is important to prepare | | | | better that you speak with your family without |
| yourself mentally to be able to navigate the | | | | causing fear. At the same time when they see |
| foreclosure and loan modification process without | | | | you giving it your all and not giving up it will teach |
| losing your cool. | | | | everyone a valuable lesson of determination and |
| Foreclosure strikes a deep chord in our financial | | | | strength regardless of the outcome. |
| security and can bring up many wounds and | | | | 5. It is OK to ask for help. |
| issues of deep stress, isolation, rejection and | | | | It is not a sign of weakness but an act of |
| abandonment for families. Losing a home and | | | | strength to recognize you need help and for you |
| being forced to move means there has been a | | | | to seek and ask for help whether it be simply to |
| breach in financial security and that's very scary. | | | | talk to someone to get a new perspective and |
| It is important to deal with the emotional side of | | | | renew your strength or you need to work on |
| things when faced with the huge stress of | | | | some anxiety reducing exercise. Whether it is |
| working on saving your home so that you can | | | | from a financial counselor or a mental health |
| come out of this experience stronger and with | | | | advisor, if you think you are in over your head, |
| your health in tact. | | | | seek out assistance. We all need a little help |
| 1. You Must Acknowledge your feelings and keep | | | | sometimes. |
| your stress level under control. | | | | 6. Consider Activities that promote inner peace |
| Make sure you don't suppress your emotions, so | | | | such as meditation and yoga. |
| that a negative pileup or blowup does not occur | | | | Daily life may often cause lots of turmoil in your |
| or affect your health. Talk to a good friend or | | | | mind and emotions. Stress with your job, your |
| use another form of creative outlet such as | | | | family and political or economical situation of your |
| journaling or drawing to express your feelings. | | | | surroundings of your life may cause lots of |
| 2. Avoid connecting negative thoughts to your | | | | anxiety, fears, emotions and thoughts, acting like |
| feelings. | | | | a storm inside you. |
| Focus on positive productive thinking instead of | | | | - empty your mind to become ready for pure |
| regrets. Don't think "I am a bad person for letting | | | | consciousness |
| this happen," instead its best to think, "this is a | | | | - empty your emotions to become aware of |
| bad experience, but I am going to focus and be | | | | your surroundings emotions |
| determined to work hard to remedy the | | | | - relief all your stress and emotional and / or |
| situation." | | | | mental pressure |
| We need to have a good vision and plan of your | | | | - create peace of mind and harmony within |
| desired outcome so that you can navigate the | | | | yourself |
| obstacles and frustrations that come with working | | | | - replace your emotional or mental turmoil by |
| on a loan modification so you can be successful. | | | | something positively and actively sacred and |
| Henry Ford said "Obstacles are those frightful | | | | Divine |
| things you see when you take your eyes off | | | | In the end, remember that the most important |
| your goal". The art of achieving small daily goals | | | | things in life are your health, happiness and family |
| begins with setting them and coming up with a | | | | and none of these are worth compromising. The |
| plan and this is essential to building your | | | | worst thing you can do is nothing. Only |
| confidence and having a positive outlook towards | | | | determination, faith, hard work and mental |
| your future. | | | | strength will help you be successful. |
| You must expose yourself to positive thoughts | | | | Knowledge is power. Empower yourself today. |
| many times throughout every day. The mind is | | | | |