Do You Feel Like a Financial Failure?
Recently a potential client approached me, embarrassed that she had been put in a position to file bankruptcy several years ago. Even after the bankruptcy, she had run up credit card debt and ensuing late payments. I could see the defeat and humiliation on her face as she tried to choke out the words to explain how it all happened.
I had to stop her. I couldn’t let her go on talking, feeling like a failure and like she had to explain away her mistakes. “Hon,” I interrupted, “I have been there too. I had to file bankruptcy at one point too. I have lost a home to foreclosure. I have been sued by creditors. I’m not judging you. You don’t have to explain anything to me.” The relief was instant. Her entire body released tension and fell, looking exhausted and spent.
“I’m so relieved to hear that!” She sighed, then immediately apologized for being happy at my misfortune. But I understood. I know what it is like to feel like a failure, to wonder if you have any common sense, or where you went so wrong. But the reality is that life happens to all of us. Divorce happens. Illness happens. Career setbacks happen. And the list goes on. It is not the setbacks that define us. It is the getting up and moving forward that defines us.
In my own life, I responded to my defeats by educating myself on finances and credit. I studied like a mad hatter, soaking in every bit of information I could. I went through Dave Ramsey’s “Financial Peace University,” and read the “Credit is Sexy” manual cover to cover. The transformation did not happen overnight, and it is still an ongoing process of trial and error, but one does not become a strong, independent person overnight. My potential client will not become a superstar overnight. She may need some hand-holding to get started on the journey, until she experiences some wins, sees progress, starts to believe in herself.
That is my mission with Credit Dusters. There is no such thing as defeat as long as you are working at it. Setbacks will happen, but I want to help my clients experience some wins, see progress, and realize the potential they have to continue winning. It has been a long, painful process to realize I am a strong, intelligent, independent woman, even when I experience losses. The wins these days outnumber the losses. That is what I call success. I hope I can help you find yours.
Laura is the owner of Credit Dusters, a credit repair and coaching firm, dedicated to helping others experience successes. To find out how you can get your credit scores back in the winning bracket, call for a free consultation with Laura, at (502) 345-9716 today!