What to do when made Redundant, devastated by COVID, lost a loved one, or facing a Debt-Crisis?

What to do when made Redundant, devastated by COVID, lost a loved one, or facing a Debt-Crisis?

First, Let It Sink In….

  • Take a few Steps backwards and Reflect – If it means distantiating yourself from the reality for a day or two, then just do it!
  • Don’t allow yourself to slide into Emotional Turmoil – Avoid saturating your being with Emotional Fear, because what you fear, you focus on and unfortunately it grows beyond measure and will eventually consume you whether it’s good or bad, so take heed.
  • Start a regimental Routine of Daily Gratitude – OK, so you think it won’t change the situation? Actually it will and it will change you too, especially the perception of the dire situation that jumped into your mind, when you were made redundant, correct?
  • Keep Calm – Learn to master the Art of Meditation to release any resistance that can pile up in your being and that will start building walls that you don’t need right now!
  • Focus and gain Clarity – Don’t allow anything or anyone to destroy your peace at any given time during this process.
  • How do you recreate your life? – I will tell you, with your Thoughts, Words and Actions, so start being very aware of this, as it has the most powerful outcomes and can be devastating when you find yourself in a dark hole.
  • Activate your Plan – Review your current financial situation, your current liabilities and how you can downsize your current lifestyle to accommodate the next 6months of expenses that must be met.
  • Opinions are irrelevant – Forget about the people and what they will say, as you are the only one who pays your bills, don’t ever forget that!
  • Approach your Creditors – As early as possible and try to negotiate to reduce your monthly payments at least for the next 12months, affording you the opportunity to not only maintain your payments, but also to stay in a ‘Safe Zone’.
  • Do your calculations carefully – If you must, then consult with expert Debt Remedial Specialists, who will tender the best experienced advice and it could save you years of aches and pains, as they do this work daily, so they can project the possibilities for your situation.
  • Now focus on your Resume – Check if it is updated, check your Social Media Profiles and commit to the time to apply the relevant amendments, so you remain marketable and can confidently apply for new opportunities. During this time you tend to forget about all of your experience, what value you can contribute, because you are only focused on the very bad reality, which, if you change your attitude, it can change in less than 24 hours, but as humans, we never have the ability to comprehend this very important aspect of the Law of Life.
  • Once you are ready – Earmark the companies you are interested to join and start approaching them, calling, sending your resume and don’t give up!
  • Review your Options – If you want to venture into a new business and you not only have the experience and acumen, but saved investment funding, then realize maybe one door closed so that the other can open and you can actualize your future dreams! You don’t know that until you try and risks are a part of building our dreams!
  • Convene a Family Meeting – It is important that all immediate family or your household understands what the current situation is, so that you secure everyone’s undue support and continued love and encouragement. During these times, the support factor is key, because if you are alone it can be tough, but then the only band aid to apply is continuous emergence into self-love, because don’t imagine you will get it from anyone else, because most of the time, when the bucket falls out, you stand alone, so inner strength and faith is key, no matter who you are…
  • Gratitude…Gratitude…Gratitude...Is going to be the Golden Key to change your world, don’t believe me, try it for yourself, it’s how I live my life. Start a new routine of Daily Gratitude, get a Journal, write down what you are Grateful for and what you want, hold that vision and believe in what you desire, because when you do, it will have no option but to show up for you!
  • Mastery – When you can Master all key components of your life, you have won the battles, sometimes before they begin and find yourself years ahead of anyone else, if you follow these steps.

The Change we seek in our lives, we can find from within ourselves, playing the ‘blaming game’ until our souls and spirits are dead, is the wrong move and will consume you before you even know it! Blame yourself for not accumulating the much reminded of ‘nest egg’ for the inevitable, because we never assume it will happen to us. So taking ownership and responsibility is the first step, embracing that and then moving forward with a new vision, is what will transform you and your situation.

People facing any critical situation, not necessarily debt, it could be the sudden loss of a loved one, a terminal illness, any form of what we consider as ‘Bad News’, the key is not to focus on it, direct your future vision to a more positive path and go with the flow. Nobody said don’t grieve for any loved one who passed, or for a bad situation you find yourself in, because grieving is an essential part of healing, so give yourself the time to heal, because nothing great, spectacular or authentic was derived from any form of negative space.

People ask, ‘How do you get?’ and the sure answer is ‘By Giving more Value than you get, not necessarily monetary’…that is the only Secret…

Theda Muller

Website: http://www.effrs.com

EFFRS LLC, Dubai, United Arab Emirates is the only authentic Debt Remedial Company fully assisting and support Clients who are facing a Debt-Crisis. We offer the following Services: * Debt Advisory for Individuals and Company Owners. * Mortgages in default needed Settlement or Restructure, bonded to UAE Banks or other Creditors. * Personal Loans and Credit Facilities for Company Owners/SME's/Entrepreneurs * Retail Loans and Cards in default. * If there are legal cases filed, we will mediate with your Creditor when discussing any of the above requirements, to enable you to regularize your account and status, where your Creditors are able to release the cases we will finalize, but it is on their terms. * Creating a unique Blueprint and Road Map for your Debt Solutions. * Debt Workshops for Corporate Employees who mostly find themselves facing default, because their Organizations Bank status approves them credit facilities, where sometimes it becomes unmanageable. Any questions, please feel free to email us at mc@effrs.com Thank you Theda Muller CEO