Do You Relax So You Can Focus?

 

Do you ever feel like you are just running and running and running and never seam to be getting anywhere in your personal and business life?

Let me ask you a very important question…

Are you taking time out in your life to RELAX and FOCUS?

You will be surprised how many people don’t do this or see the importance of this.

Taking time out of your life to relax, wind down and focus can really help you hit your goals, it can give you clarity and help you reach what you are searching for in your personal and business life.

It really only needs to be as little as 10 to 15 minutes a day…

Here are a few suggestions that I recommend:

1. Go for a walk.

2. Read an inspirational book.

3. Listen to a motivational audio.

4. Meditate or Pray.

5. Turn off all distractions and just find a place to have 15 minutes of pure silence.

6. Start exercising!

7. Sit in a hot tub.

It’s really important that you find some “Me” time in your life and relax and focus. This will really help you in so many areas of your life!

Try it for 30 days and let me know your results.

2sbtn simple-money-system-logo-small

Are you looking for a Home Business that will let you stay home with your family and make a great income while doing so? If so, watch the video below and see what I recommend.

Watch This Video

…and follow the simple steps. It’s working for me and thousands of others out there online.

watch

005
Sonia Lee

Work With Me

PS: Please drop me a line and lets talk

logo banner_64

49 thoughts on “Do You Relax So You Can Focus?

  1. The very good information along with kindness with playing because of the parts was very useful. We don’t really know what I’d have inked plainly hadn’t experienced a real phase in this way.

  2. Can your blog employ a contact webpage? I’m having issues discovering the idea however, I’d choose to throw a person a contact. I’ve obtained many tips for your website there’s a chance you’re considering reading.

  3. Hey We are therefore over joyed I stumbled upon your website, I truly identified you by mistake, even though We was exploring upon Yahoo regarding another thing, At any rate I will be in this article now and also would likely the same as to mention thanks lots to get a remarkable write-up and also a all round exciting blog (I in addition enjoy the actual theme/design), We don’t possess time period to go through it all on the second however I’ve ended up saving this and in addition extra inside your bottles, and once We’ve time I’ll be back to understand a lot more, You need to complete sustain your awesome job.

  4. My spouse and i and our good friends had been truly going through the particular pleasant useful information through the website next the quick created a really suspicion I by no means depicted regard towards website owner for the people secrets and techniques.

  5. Current minus the answers on the issues you’ve sorted out through this kind of manual can be a crucial scenario, plus the sort which may possess horribly afflicted the overall profession only had not found out ones website.

  6. I prefer just what My spouse and i discover so today i’m next you. Expect checking out ones site regularly.

  7. Another important key points implies much an individual similar to us and much more for you to my workers in offices. With many thanks; by everybody people.

  8. A small number of my website market get complained with regards to my web page not working correctly within Explorer nevertheless looks fantastic inside Firefox. Have almost any tricks to help resolve this concern?

  9. I am commenting for you to tell you such a wonderful practical knowledge the child liked reading through your current web site. She observed lots of parts, using the add-on of what it’s just like on an amazing encouraging design to have the remainder with no hassle comprehension a few arduous concerns.

  10. Nicely with all your permission i want to to grab the Feed to help keep updated using forth-coming write-up. Thanks the thousand in addition to make sure you keep up the actual gratifying perform.

  11. Our designer is attempting for you to influence myself to relocate to be able to. web through PHP. We have constantly disliked the concept due to the charges. But he’s tryiong not one the particular less. I’ve also been utilizing Movable-type upon numerous sites around per year and also are nervous regarding transferring to a different platform. I’ve got noticed great things about blogengine. world wide web. Can there be the best way I’m able to shift all the wordpress articles in it? Virtually any assist could well be really liked!

  12. Just desire to point out your own post is really as unbelievable. The actual clarity within your publish is merely wonderful as well as i can think you’re a pro with this issue.

  13. I’m going through a number of little protection complaints about my personal newest blog as well as I’d prefer to discover something safer. Are there any tips?

  14. Are there a new unsolicited mail difficulty within this web page; We furthermore was any tumblr, and We seemed to be questioning your needs; most of us have developed a few nice procedures in addition to we have been planning to business techniques with some others, why not throw me personally a great e-mail in the event that curious.

  15. At this time global WordPress will be the preferred blogging system available at the moment. (from what I’ve read) Is actually which exactly what you’re applying with your blog site? Good post nonetheless We was wondering when you could generate the litte a lot more for this theme?

  16. I’m suffering from many modest stability complaints about our most recent web site in addition to I’d love to uncover one thing safer. Have you got almost any recommendations?

  17. I like precisely what When i observe therefore currently i’m subsequent people. Expect looking into your own website continuously.

  18. In my opinion there are several more pleasurable opportunities ahead of time for folks that will viewed your site.

  19. I wouldn’t thoughts desigining a write-up as well as elaborating with several of the things anyone produce related to the following. Once again, brilliant website!

  20. You should well then, i’ll know in case you’re buying article author on your website. You’ve got several really great threads in addition to I do think When i would have been a excellent advantage. If you ever desire to take many of the load off of, I’d really like to post several material for ones blog site in return for just a link returning to my own. You should blast myself a message if curious. Appreciate it!

  21. Properly along with your permission i want to to seize the Feed to help keep up-to-date using future submit. Thank you some sort of zillion as well as you need to keep up the pleasing perform.

  22. My spouse and i stumbled over here different web site along with imagined My partner and i might as well check out factors out and about.

  23. Hi there, we examine your blog often and also i own a similar one particular in addition to my spouse and i seemed to be simply just asking yourself if you get a great deal of unsolicited mail feedback? If you do how will you end that, almost any plugin or whatever you may guide? We find so much these days it’s traveling me crazy and so any aid is very considerably loved.

  24. Hi! Would you intellect easily share your site having my own myspace group? There’s plenty of people who I believe might revel in your content. Make sure you well then, i’ll know. Appreciate it!

  25. I just planned to appreciate it a lot once again. We are uncertain the things that I would include been subject to with no the type of suggestions discovered by simply you relating to which circumstance.

  26. Properly with your authorization let me to seize your own Feed to maintain up to date with honest submit. Cheers any zillion and you should keep up your pleasing perform.

  27. Appreciation with regard to definitely becoming definitely considerate as well as for picking out certain wonderful courses most people are really hoping to be familiar with.

  28. It’s a shame you don’t have a donate key! I’d definitely donate to this particular brilliant blog site! Maybe for the moment i’ll accept book-marking as well as adding your Rss feed to my personal Yahoo bank account. We count on fresh updates and may discuss this blog along with our Fb group. Chat before long!

  29. Have you ever thought about publishing an ebook or guest authoring on other blogs? I have a blog based upon on the same ideas you discuss and would love to have you share some stories/information. I know my visitors would appreciate your work. If you’re even remotely interested, feel free to send me an email.

  30. Hello! Do you know if they make any plugins to help with SEO? I’m trying to get my blog to rank for some targeted keywords but I’m not seeing very good gains. If you know of any please share. Thank you!

  31. Remortgage with Bad Credit If you are a homeowner and need to raise cash for something – for example, a new car, a holiday or home renovations – a remortgage is an excellent method of releasing capital in an existing property. You can often also obtain a better deal at the same time, making it a win-win situation. However, if you have suffered financial problems since your initial mortgage was obtained, you might find that certain doors are now closed to you, and that might include the door to your current lender. As your circumstances have changed, the fact they gave you your initial mortgage is no guarantee they will agree to offer a remortgage deal. Even if they do, the terms they offer might be less favourable than your current deal. Having an adverse credit score can be an obstacle and present a real challenge to be overcome. If you are in this position take heart, as a bad credit score does not necessarily mean that you’ll be unable to remortgage your property. There are likely to be options available to you. To help you understand the situation, let’s first take a look at why lenders might be unwilling to offer you a remortgage deal. Bad credit calculator Find out if you can get a mortgage with our new calculator. Check here Why Might Lenders Be Unwilling to Remortgage? Most high street lenders will look upon bad credit remortgage applications in the same way they’d consider, and probably turn down, initial mortgage applications from people with bad credit. From a financial standpoint, a history of bad credit or an existing bad credit score is indicative of poor money management skills, and this makes those applicants a high risk for lenders. However, as with most things involving finance, there are a number of truths and myths which can become blurred. The biggest misconception is that the answer to a bad credit remortgage application will always be a resounding ‘no’. In truth, most homeowners will be able to obtain a remortgage deal, even with a number of credit issues on their record, such as: Missed or Late Payment Debt Management Plan Discharged Bankruptcy Defaults (a series of missed payments) County Court Judgments (CCJs) Individual Voluntary Arrangement (IVA) Every case is judged upon its own individual merits, which means we can’t guarantee remortgaging with bad credit will be possible. However, having said that, while each adverse credit event represents a black mark on a person’s credit record and has an impact on their credit score, none of them should be considered an immovable barrier to obtaining a remortgage deal. Can I get a bad credit mortgage? We Can Help Today How does a credit score work? Your credit score is the result of an assessment of financial and other information gathered about you by Experian, Equifax and Callcredit – the three main credit reference agencies that operate in the UK. They get their information from two main sources: other lending companies that have agreed to share data about their customers, and public records. Lending companies share information including how much a customer is in debt to them, how promptly they pay their bills, and if they pay in full, and whether their credit cards are maxed out. The information gathered from public records includes details of adverse credit events such as CCJs, bankruptcies and IVAs, plus information held on the electoral roll. High street lenders interpret this data in line with their own criteria and arrive at a credit score, based on which they will say ‘yes’ or ‘no’ to a remortgage application. If the decision isn’t clear cut, they might say ‘yes’, but charge higher fees and/or a higher rate of interest. They do this for two reasons; to offset what they see as an additional risk and because they know they can, as borrowers with a poor credit rating have fewer options than those with an exemplary record. What is my credit rating? Finding our your credit rating is easy. Find out your credit report Adverse credit events stay on a person’s record for six years, after which they are removed. In the majority of cases, even if the six year period isn’t up yet, the further in the past something is, the less impact it will have on your credit score and therefore on a lender’s decision. However, even after they have ‘dropped off’ the record, if you are asked about certain types of adverse credit event – such as a previous bankruptcy or property repossession – you must declare it. While there are options available to those with an adverse credit score looking to remortgage a property, it is always recommended that you look to improve your credit score wherever possible. How does a credit score work? There are some positive steps you can take that will improve your situation and encourage lenders to look more favourably upon your application. Arguably the most important thing you can do is to improve your credit score. Improving your credit score is a continuous process, not something that can be achieved overnight – you must persevere with it to get results. However, if you are taking the right steps, you will soon begin to see some small improvements. Having a healthy credit score will make a huge difference to your future financial dealings. We always recommend speaking to a qualified adviser with regard to putting together a plan to improve your credit score; however, there are some immediate actions you can take to put your credit rating back on track. These include: Get a copy of your credit report from each of the UK’s three credit reference agencies – Experian, Equifax and Callcredit – and check that the details they hold are correct (they may hold different details, so do get your report from all three, not just one) Regularly update the personal details held on your credit report Make sure you are registered on the electoral roll Keep track of your credit card balances; ideally try to always pay more than the minimum to drive the balance down, and take care not to go over your agreed credit limit Use your calendar to make sure you pay your bills on time and manage your monthly income Cancel all lines of credit that are not in use, such as store cards or ‘just in case’ credit cards (but see below for an alternative option) Build up a positive credit history; for example, if you have a credit card that you don’t use, rather than cancelling it, use it at least once a month, perhaps for buying petrol or groceries – but make sure you pay it off in full every time, don’t build up additional debt Resist the temptation to take out payday loans, as they are considered to be a red flag showing that you cannot manage your finances month to month Moving forward, leave any good debt on your report For more suggestions as to how you can repair your credit rating, check out our page of simple tips. Additional actions to take Something else to bear in mind if any missed payments show on your credit record is whether they were due to events outside of your control. If, for example, your employer went out of business, leaving you financially stranded, then you should contact each credit reference agency and explain what happened. They have the ability to add a note of correction to your credit file explaining the circumstances, which may well mitigate the effect of the default on future credit decisions. There are other things you can do that, while they do not in themselves boost your credit rating, will help you to avoid falling into future difficulties, and perhaps to pay things off faster. For example, take on some freelance work or a second job, or look for a job that pays more or is closer to home (so you save money on commuting). Make sure you aren’t paying more than you need to for things like your mobile phone, cable TV, fuel and broadband, and if you have a gym membership but can’t remember the last time you were there, cancel it. The more you have left after paying your bills, the better your chances of passing the affordability test. What is the affordability test? Every application for a mortgage or a remortgage is subject to an affordability assessment, and this is the case no matter what the credit status of the applicant might be. Potential lenders will look at income versus expenditure, taking everything into account, to arrive at a debt-to-income ratio. Since June 2014 the Financial Conduct Authority’s recommendation is that the debt-to-income ratio should be no higher than 45 for an offer of a mortgage or remortgage to be made. If you want to do a quick, rough calculation to see where you stand, then: make a list of all income you will receive over the year and divide by 12 (if all your income comes in monthly, just add it up) add up all your monthly bills – mortgage, credit card, etc. – then list all your other bills, whether quarterly, annual or whatever; add the monthly cost of these additional bills to your original total divide your monthly expenses by your monthly income and multiply the answer by 100, which will give you your debt-to-income ratio, expressed as a percentage The lower the number, the better. You can lower your debt-to-income ratio by either reducing your debt or increasing your income. What if you can’t wait for your credit score to improve over time? For those in need of a more immediate remortgaging solution, there are specialist lenders who work with applicants with low credit scores, offering deals that cannot be obtained from high street lenders. So if your need is urgent and you are asking yourself, ‘Can I remortgage with bad credit?’ the answer is ‘yes’. Get in touch today for free initial advice and no-obligation quotes from our team of experienced bad credit brokers. How can we help? Just Mortgage Brokers have experience of working with property owners at all levels, from those who are relatively new homeowners to highly experienced landlords with extensive property portfolios. We also have unlimited access to the UK mortgage market and many years of experience of working with a network of bad credit lenders across the country. That means we are not restricted to products from any one particular lender but can work with a diverse range of specialist lenders to secure the remortgage deal you require. This combination of impartiality and unlimited market access gives us the very best chance of obtaining a competitively priced bad credit remortgage. We know exactly where to turn to find a mortgage to suit the particular needs of each and every client, regardless of their credit history. If you have a history of bad credit and are looking to remortgage a property, speak to Just Mortgage Brokers today to get the right deal for you.

Leave a Reply

Your email address will not be published. Required fields are marked *