Recently in Financial Recovery Category

I find that most people look for jobs pretty much the same way. They search want-ads and the online job sites such as Careerbuilder, Monster, and Craigslist and send out loads of resumes and pray for a response. While this isn't a bad strategy, it's also what everyone else is doing and therefore, harder to be noticed.

The competition for jobs posted on these sites can be quite high simply because they receive large numbers of inquiries and resumes. So, if this is part of your job hunting strategy, keep doing it and consider expanding your horizons.

Since we're in a recession and the unemployment pool is so high, this is a time to exercise some creativity in your job search. Here are some ideas that I recommend that might make a difference.

1.    Most newspapers have a "fictitious business name" section listed in their classified section. These listing represent new businesses that have recently opened or are about to open. New businesses often need to hire new employees. Review these daily to you if there are new businesses opening that might be a good fit. Send them a note and a resume and follow it up with a phone call a few days later. Even if they're not ready to hire, you'll be first on their mind when they are ready.

2.    Use online social and business networking sites to connect with your personal and business network. Some great sites to create accounts on are MySpace, Facebook, Plaxo, Twitter, Linked-in, Talkbiznow and Bebo. Create user accounts on these sites and let people know in each community what types of jobs you're interested in finding. In no time at all, you can have lots of people keeping a look out for job opportunities that might be a fit. You never know who can connect you to someone that has the perfect job for you.

3.    If there's a business that you absolutely love in your community, call them up and ask if they're hiring. If they are not hiring, ask them if they ever hire temps. If they say yes, tell them that you would love to work for them as a temp and offer to send them your resume. If they don't hire temps, tell then that you love their company so much that you would even volunteer to work for them for a couple of days -- for free -- so they could test you out on a trial basis. What do you have to lose? You have the time and they might be intrigued enough to take you up on your offer.

4.    In light of the recession, many churches are offering help for the unemployed. Talk to your church about this possibility, or check out the church directory in your community newspaper. Read this great article on Beliefnet -  "Church Programs Aid the Newly Unemployed" by Yonat Shimron.

5.    When contacting a potential employer, be proactive and assertive but never pushy or aggressive. Remember, people will find it hard to resist you when you are friendly, flexible, creative and willing to go the extra mile.

6.    Don't forget to keep your daily prayer and meditation practice going! It'll help reduce your stress and keep you grounded. Good luck and stay positive!  

  Peace & Blessings!

Here's a prayer to help our readers who are unemployed and searching for work. You can also offer prayers of support to these readers on our Financial Prayer Circle.

"My husband has been laid off since the second week of August.  It has been a very hard struggle for us. We've been through hard times before but never this long."

(read more...)

"My friend will be getting laid off from his job shortly. He and his wife have 3 children. Please pray that he'll be able to take care of them."

(read more...)

"Please Pray She finds suitable employment to sustain her living quarters and also help others in need!"

(read more...)

Dear God,
I pray and ask for your love, guidance and support
in helping me to find meaningful work that will make
good use of the skills and abilities you have given me.
Help me to stay positive, hopeful and awake to new
possibilities. Give me strength, courage, faith and trust
that everything is unfolding perfectly for my highest good.
Help me to receive into my life all the resources that I need
- mentally, physically, spiritually, and financially - so that I
may experience sufficiency, ease and grace. May I be free
from fear of lack and limitation. I surrender this to you
and trust that all my needs are always met. Thank you for
the blessings you have given me, for your light, your love and
your protection on my life, my family and our home on earth.
I consider it done, and so it is.
Amen.

~Deborah Price

Peace & Blessings!
 

Sometimes we experience what appears to be a great loss or setback only to discover that the loss was in fact a blessing in disguise. That as one door closed, another door opened. Although, I know that when we're in the middle of it, it's often hard to see.

It's easy to be so focused on the losses and setbacks that we forget to look for the opportunities and blessings that may be waiting for us. Because the truth is, everything we lose creates an opening for something new to come into our lives. We must always remain open and receptive to receiving the good that is available to us...even in the middle of the seeming storm that surrounds us.

Looking back, I have experienced many losses that I now have immense gratitude for. In hindsight, whatever pain or loss I may have suffered was small compared to the blessings and opportunities that followed.

So, while it may be difficult, sometimes the only thing we can do is to surrender to what is happening, bless the experience and pray to stay open to receiving our higher good. God never takes something away from us without also offering us something in it's place. Today, I ask you to consider being grateful for this time in your life as an opportunity to receive some new blessing or opportunity, whether that is.

Whether it is the opportunity to explore some new horizon, the chance to dust off your dreams, build a new life, or the opportunity to grow into more of who you are or always wanted to be. Sometimes, when life hands us lemons, we are simply being guided to the lemonade stand.

Read Beliefnet's Rabbi Brad Hirshfield's 8 Ways to Stay Grateful in Hard Times.

Today's blessing is taken from the wisdom of Ralph Waldo Emerson:

Write it on your heart
that every day is the best day in the year.
He is rich who owns the day, and no one owns the day
who allows it to be invaded with fret and anxiety.

Finish every day and be done with it.
You have done what you could.
Some blunders and absurdities, no doubt crept in.
Forget them as soon as you can, tomorrow is a new day;
begin it well and serenely, with too high a spirit
to be cumbered with your old nonsense.

This new day is too dear,
with its hopes and invitations,
to waste a moment on the yesterdays.

~ Ralph Waldo Emerson

Peace & Blessings!

For all those who are requesting help from our Financial Prayer Circle, please prayer for their spiritual and financial relief.

Here are some of the prayer requests for this week:

Gamy and his Wife has been struggling financially and they been waiting for the bank to approve them for there home for over 7 months now. The bank told them yes they could move in and now they told them NO!! Now they have to move out. And no place to go. They have 3 beautiful children...(read more.)

This prayer circle is for empowering single women with limited or no help in their lives. Give them a place to live this coming winter. Don't let them suffer under hunger and lack...(read more.)

Our business is not doing so well so it has been a financial struggle. We are going to lose our home. Needing your prayers for our finances and for our family...(read more.)

Here is a prayer for today:

Father, I abandon myself into your hands;
do with me what you will.
Whatever you may do, I thank you:
I am ready for all, I accept all.
Let only your will be done in me,
and in all Your creatures -
I wish no more than this, O Lord.

Into your hands I commend my soul;
I offer it to you with all the love of my heart,
for I love you Lord,
and so need to give myself,
to surrender myself into your hands,
without reserve,
and with boundless confidence,

For you are my Father.

~ Charles de Foucauld

There is a wonderful "grassroots" movement growing around the country with the mission of feeding the hungry, disadvantaged and homeless and it's called "EMPTY BOWLS."

"EMPTY BOWLS" events are popping up everywhere and we certainly need them. According to the USDA, over 36 million Americans are food insecure...and just do not have enough to eat. Yes, times have been tough but I still believe that this country has enough that no one should be going hungry. We CAN do something about this.

This "grassroots" effort is a great concept that is quickly catching on. It's easy to do, it creates community and feeds people. YOU COULD EVEN START AN "EMPTY BOWLS" EVENT IN YOUR COMMUNITY! How about that!??

Here's how it works:

1. Organize a community meeting in your town or city AND RECRUIT volunteers to help feed the hungry or homeless in your area.

2. Ask local schools to make special bowls in their art classes and local artists to do the same.

3. Once you've collected enough handmade bowls...throw a fundraiser at your local church or community center. Serve soup and bread in the bowls...which people will buy. Then, give the proceeds to your local Food Panty, Soup Kitchen or Homeless Shelter.

4. For information about hosting your own "EMPTY BOWLS EVENT" visit their website.

Empty Bowls is a non-profit organization "dedicated to positive and lasting social change through the arts, education, and projects that build community."

I'm going to challenge our readers to step up and participate. 

I'm planning to host an event in my area around Thanksgiving and I'll report back how it went. You do the same and let me know how it goes. Sound good?

Come on...it'll be fun! Just think of all those sweet bellies we'll be feeding and how good it'll feel to know you did what you could to make a difference.

Peace and Blessings!

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A group of centrist Democrats wrote a letter to Baucus and Reid (heading up the Senate Finance Committee's Healh Care Reform Plan), requesting additional time and transparency for all parties to have more time to evaluate and weigh in on...

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Since the unemployment rate continues to rise, it is increasingly clear that those of you who are searching for work may not only need to think outside the box, but possibly, work outside the box, too. Let me explain what...

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Let my heart be the vessel of God's Love.Let my thoughts be the blossom of God's Love.Let my words be the expression of God's Love.Let my actions be the fulfillment of God's Love.~ David Ridge...

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I was really moved and impressed by a recent CNN report about 24-year-old Brianna Karp who was homeless and living in an RV following the loss of her job, which inevitably led her to run out of money. The RV...

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I've been getting some emails lately from readers in need of financial help and often it's for financial or investment advice, which I do not provide. So, it occurred to me that maybe I should explain what Money Coaching is...

I was deeply moved by President Obama's speech to students today. I know if I had heard this speech when I was in high school, it would have had an enormous impact on my life. Because not unlike many of...

One thing that I have learned in my life is that when times are tough, we greatly need to reach out for help and support. It's so important not to isolate yourself from your friends and family, or most importantly,...

When I was in my twenties, I often worked as a "temp" as a way of exploring different kinds of jobs and companies. It was fun because I would have new experiences and if I didn't like a company, I...

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Since we will all be personally and financially impacted by whatever comes to pass relative to  Health Care Reform, I thought I'd attempt to offer some guidance around the various (and often complex) proposals that are being promoted on Capitol...

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God's BlessingsThe man whispered "God, speak to me" And a meadowlark sang. But the man did not hear. So the man yelled "God speak to me!" And the thunder rolled across the sky. But the man did not listen. The...

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Please join us in praying for all those in need right now. Join Beliefnet's Financial Prayer Circle, dedicated to holding the space and praying for those in need of prayers and support. Here are some of the requests we received...

Native American BlessingCreator hear us, for we are your children. Father we thank you for all that you have given us. We thank you for the lessons that you have taught us and for the life that you have allowed...

In times like this recession, it can be difficult to see and hear the good that is happening all around us. One great new movement that's taking place and worthy of paying attention to is called the "People's Stimulus Package." ...

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In times like this recession, it can be difficult to see and hear the good that is happening all around us. One great new movement that's taking place and worthy of paying attention to is called the "People's Stimulus Package." ...

It's not uncommon when you are unemployed to experience a drop in self-esteem, which can cause you to become disconnected from your gifts. This can be problematic because if you are not connected to your abilities, then how can you...

One of the qualities that sets humans apart from other species is our ability to remember the past and make future decisions based upon our experiences. Humans are naturally planners and builders, drawing from our personal and collective knowledge. This...

When we are challenged, personally and financially, it can be difficult to stay centered, calm and positively proactive. Yet, if we can't make these necessary adjustments, our lives can begin to spiral into a downward cycle of negativity and defeat....

Never Give up No matter what is going on Never Give up Develop the heart Too much energy in your country is spent developing the mind instead of the heart Be compassionate Not just to your friends but to everyone...

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Everyday, whether we realize it or not, our thoughts and actions are actively creating the world around us. Having an awareness of this is increasingly important if we wish to create greater abundance and prosperity in our lives and the...

It's tragic enough that Steve McNair died a violent death at such a young age, but even sadder yet that he died without a will or proper estate planning, which will greatly impact his wife and children. It's amazing...

I've been noticing lately how many people seem to have an angry or unhappy relationship with money. This is understandable given the recession, but it's unfortunate because money can be a really good friend and resource that can assist us...

Blessed are the man and the womanwho have grown beyond their greedand who have put an end to their hatredand no longer nourish illusions.But they delight in the way things areand keep their hearts open, day and night.They are like...

One of our readers wrote in today talking about her fears around money. Here is what Diane  had to say: "I've always been bad at finances - guess it's due to lack of confidence I have a fear of math,...

When money is seen as a solution for every problem, money itself becomes the problem.  ~ Richard Needham As a Money Coach, people generally come to see me because they think they have issues with money, which on the surface...

With this week's news of yet another rise in unemployment to 9.5%, I've been concerned about all those who have lost their jobs and are looking for work. Without question, being unemployed can be scary and challenging both personally and...

Today's Money Coaching Monday is in response to the comments made by Melonee and Suzanne who wrote in and shared their struggle in Overcoming and Making Peace with Debt. Here's what Melonee said: "Thank you Deborah. Your words really helped...

Happy 4th of July Everyone! As you celebrate our Independence Day, I ask you to take a minute to reflect upon what our Forefathers meant when they wrote "The Declaration of Independence." Their words are deeply profound and worth remembering...

It seems that almost everyone today is burdened by debt. Our government is in debt to the tune of 11 trillion dollars and we, its citizens have managed to accumulate over 2 trillion dollars in consumer debt alone. Which, if...

When the morning news announced that Bernie Madoff was sentenced to 150 years in prison today, I found myself wanting to do the "happy dance." But I didn't...simply because that first wave of elation quickly subsided into sadness.  No, I'm...

In helping people identify and understand their money patterns and behaviors, I work with Money Types, or "archetypes." Money Types are not just another "label" meant to define you, but are a powerful way of helping people to gain awareness...

Today's Money Coaching Blog is for Marilyn who wrote in response my blog, Hold Onto Your Dreams. Here's Marilyn's comment:"I work at this job that is very stressful and my dream is opening up a bakery in my town when...

Everyone feels vulnerable when it comes to money. It's a core survival issue that can easily become triggered causing us to feel fearful, anxious, sad or angry. It's also an area of our lives that at times can feel out-of-control,...

Here's a wonderful blessing written by Patricia Pendergrass. Have a wonderful day!May God richly bless you May his face shine upon you May he show you your worth Not as is seen by man But as is seen through his...

(Note: Today's blog is dedicated to my goddaughter, Alexandra McGrath, who graduated.from UCSB yesterday. I love you, Alex!) Congratulations to the Class of 2009 college graduates! This is an extraordinary time that is rich with newly acquired wisdom and knowledge...

Sometimes, when we are experiencing financial difficulties we can begin to feel that our own gifts, which have little to do with money, have also become devalued. At times like this it is not uncommon to see people abandon their...

I am a big believer in the power of prayer and with all that is happening in the world around us, I invite you to join me in praying for economic recovery. The world desperately needs all of our prayers,...

The excerpt below is taken from Marianne Williamson's book, A Return to Love. It is one of the my favorite passages and I read it often as it serves as a constant reminder of what a blessing it is to...

As a money coach, I often ask my clients to reflect on what they believe would make them happy. Although their answers vary, they frequently say "I'd be happy if I were rich." Recently, it's become clear to me that...

Today's Money Coaching blog is for Connie who wrote in with the following money issues;"My name is Connie and I have a prayer need for myself and family. I recently lost my home of 15 years to foreclosure and if...

It seems that everyone is giving financial advice these days. Even Rev Run Wisdom, star of the reality show  "Runs House" is sharing his advice on Twitter. Rev Run, who is also a minister, does have some sweet pearls of...

One of our Beliefnet readers wrote in last week expressing her concern about the amount of money that today's spiritual leaders and Guru's seem to make today. Here's what she said: "I am a bit disillusioned by the apparent amount...

Years ago, I had a client who was in her 70's who was widowed and had grown up during the depression. I just loved her...she lived very simply and frugally, yet was one of the happiest, most contented people I...

When we are challenged, personally and financially, it can be difficult to stay centered, calm and positively proactive. Yet, if we can't make these necessary adjustments, our lives can begin to spiral into a downward cycle of negativity and defeat....

Wow...the news just came in that President Barack Obama has nominated Judge Sonia Sotomayor for appointment to the Supreme Court. Perhaps the tides are beginning to turn again and there is hope once more for greater equality and justice in...

This week I am responding to our reader Chris Leiss, who is asking for support around his marriage which has been greatly impacted by financial stress. This is his request: "I have been married for 24 years and am still...

Fear is that little darkroom where negatives develop.  ~ Michael PritchardDid you know that scientists have now proven that our thoughts are real? It's true. Our thoughts not only do matter...they are matter. Everyday, whether we realize it or not,...

I have often seen people retreat into fear or anger at the mere suggestion that perhaps they had issues with money they might want to examine. Everyone feels vulnerable when it comes to money. That we are fearful or get...

Every Wednesday I will be posting a special Financial Blessing. If you have one you'd like to share, please send it to me as I will occasionally post prayers and blessings received from our readers. This one was written by...

A few days ago I wrote a blog about End-of-Life-Planning. It occurred to me that there's more I'd like to share with you on that subject based upon my personal experience. My father died very suddenly at the age of...

Given all the financial challenges that people are experiencing today, every Monday beginning this week I will be dedicating my blog to responding to our readers who have written in and requested help. If you would like to receive some...

                       A Prosperity Blessing                         May I be blessed in all that I do today!   May the clouds break and the heavens pour down upon me more joy, more love, more laughter and more money beyond my wildest...

Occasionally, I receive comments from our readers who are in financial crisis that indicate feelings of hopelessness and despair. Unfortunately, I'm not in a position to respond to these comments individually, but I am deeply concerned when I hear that...

As financial pressures continue to mount many marriages are being strained and tested to their limit. Often, couples just don't know where to turn for help and guidance. Since our relationships are so valuable and important, it's critical that we...

When I was a little girl, it went without saying that my father and my sisters would somehow find a way to buy my mother a bottle of Chanel No.5 for Mother's Day. It was a tradition. Some years it...

Occasionally, I receive comments from our readers who are in financial crisis that indicate feelings of hopelessness and despair. Unfortunately, I'm not in a position to respond to these comments individually, but I am deeply concerned when I hear...

Many of our readers have written in and shared their financial fears with us, asking for prayers and support.  One of our readers is not only fearful of losing her home to foreclosure, she is also concerned about her son...

During this financial crisis, I've heard a great deal of conversation about "making do with less." I suppose that many of us, at some point or another, have gotten caught up in the game of consumerism: more clothes, a bigger...

Where is God in the middle of this financial crisis? Is this recession happening because we being called to learn and to live our lives differently? These are questions I ask myself. Of course, I don't know the answer to...

Children are like little sponges who take in and absorb our fears and anxieties more than we can possibly comprehend. At a time when many people are experiencing financial challenges and uncertainty, it is very important that we take the...

Take a moment to connect with a quiet inner place of calm knowing deep down inside yourself. Know this place as your connection to God. As you connect with this place, consider the  challenges that are before you in...

One of the great injustices in this world is that few of us are ever taught what we need to know about money and the world of personal finance in order to be successful. Our parents weren't taught so they...

When it comes to money, almost everyone has a story lately. Unfortunately, many of the stories I'm hearing these days are filled with hard times, bad luck, loss, sadness, anger and resentment. Don't get me wrong, I know that these...

My dear friend, Lorraine Edey, who is also a Money Coach (and a true Prayer Warrior if I've ever seen one), blessed us with the gift of today's prayer. Lorraine is a powerful example of someone who's faith and...

In this difficult time of financial crisis, it is so very important that we reach out to community for prayer, guidance and support. This is no time to isolate. We greatly need each other's   love, compassion and support, perhaps more...

With so many people in financial crisis, I've been thinking more and more about what I can do to help those in need. Doing this blog is one way that I hope to be of help, but I also wanted...

Normal 0  During a recent conversation, the question arose as whether there is a difference between gratitude and appreciation and, if so, what would it be?  In the thick of the discussion, one of my colleagues pulled out his...

Normal 0 Given the current economic crisis, many people are filled with fear, anger, and resentment, which can easily spill over into other areas of our lives. Millions have lost their homes, their jobs and retirement savings and feel...

I find that most people look for jobs pretty much the same way. They search want-ads and the online job sites such as Careerbuilder, Monster, and Craigslist and send out loads of resumes and pray for a response. While this...

When I'm working with clients who are unemployed or considering a career transition, I always have them do an exercise I call the "Life Inventory Process." While resumes are important and good to have updated regularly, it is equally important...

As job losses mount and more people join the ranks of the unemployed, I thought perhaps this would be a good time to focus on helping people stay positive and focused while job hunting.Many of our readers have been unemployed for...

I want to thank all of you who responded to my recent blog on How to Manage Your Fears After Job Loss. Your stories and insights were very thought-provoking! My thoughts and prayers are with you during this time and...

Did you know that practicing gratitude can actually improve your brain function and overall physical and emotional well-being? Well, it's true. Brain scans and research conducted by renown psychiatrist, Dr. Daniel Amen showed a significant improvement in brain function following...

How are you doing with your 30-Day Fast From Fear Program? Sometimes, just like when we're dieting, we fall off the wagon and allow ourselves to indulge a little. Well, when you're fasting from fear, you can expereince set-backs, too....

Let's face it, not all our money problems can be blamed on a bad economy, Some of us are grappling with old habits and patterns that existed long before the crisis we are now experiencing worldwide. True, the financial crisis...

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Lately, I've been working with many clients who've recently lost their jobs who are worried about finances and their future job prospects. Being unemployed can be very scary and challenging, personally and financially. It's a time that requires a...

One of the most painful side-effects of financial hardship is the rise of child abuse and neglect. As families struggle with day-to-day survival issues and mounting financial pressures, some parents can be pushed over the edge and end up taking...

Everyone knows the traditional, and generally, negative meaning of the word recession. It's a word that can make us feel fearful, anxious, and constricted. Rather than obsessing about this recession as a time of "doom and gloom," maybe we need...

Yesterday we talked about the wisdom of history and how tales of Depression showed unity among people. Here are some ways you can make a difference: 1. Choose a local charity to give some time to every week, even an...

"Challenging economic times can yield great advancements and ultimately unleash new, innovative thinking."  ~ Ruppert MurdochHistory is such a powerful teacher. Given our current financial crisis, perhaps it is time to reflect on the past to learn how those before...

Fear is that little darkroom where negatives develop.  ~ Michael PritchardDid you know that scientists have now proven that our thoughts are real? It's true. Our thoughts not only do matter...they are matter. Everyday, whether we realize it or not,...