Financial Newsletter

Nine Year Mortgage Financial Security Newsletter

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Read a Sample Article from a Recent Nine Year Mortgage Newsletter

Overcoming the Urge to Splurge with Nine Year Mortgage…

Many of us have experienced the emotional side of spending money. We may feel the need to dine at an expensive restaurant in order to “celebrate” a specific achievement. Or we might go out and purchase a new outfit because we have been treated unfairly and we “deserve” to be pampered. Compulsive spending is usually an attempt to fill an inner emotional need, but the pleasure we feel from our shopping “spree” is only temporary, followed by guilt and the knowledge that we have only increased our debt load. This urge to splurge can eventually cause difficulties on a long-term basis. Not only will our financial stability be damaged, but relationships can jeopardized. Somehow we must recognize that our happiness and self worth will not come through spending. Security and satisfaction will come as we take care of essential needs and savings, before considering our wants. You may recognize yourself as a compulsive spender.

Key Questions to Ask from Nine Year Mortgage

What does money mean to you? We tend to handle money situations the way our family did when we were growing up. Some might feel as though they missed out on opportunities as a child and want to make up for that now. Does money make you feel accepted, loved, important? When you think of acquiring more things does it bring you comfort or make you feel happier? Are you a procrastinator? Will there always be time to save for important future events, such as a home, vacations, education, or retirement?

Cycles of Addiction

Do you understand the cycle of your addiction? Addictions form a cycle that is difficult to break. The cycle usually begins with a feeling of discouragement or of negative self worth caused by unresolved issues. The compulsive spender believes that spending money will fill that emptiness and make them feel more worthwhile and complete. At the time they make their purchase they feel happy and fulfilled, but after, they are once again faced with their financial problems and their feelings of negative self worth.

Track your Expenses with Nine Year Mortgage

Where does your money go? A compulsive spender finds that much of their income is already spoken for by the required monthly debt payments resulting from previous purchases. While you are shopping, it’s helpful to notice the cost of individual items and the amount of your total transaction. Nine Year Mortgage recommends that for one month, you keep track of how much you spend. What areas seem to have the most transactions? For instance, restaurants, clothes, video games take over your budget?

Overcoming your Emotions, Nine Year Mortgage Explains How

What role do your emotions play? Stop and think about the way you are feeling when you consider buying something. How do you feel immediately after the purchase is completed? Put a name to the emotions: excited, happy, fearful, guilty, sad, or angry. How do you feel about the purchase later that day or the day after? Add up your total spending for the month. Were your emotional needs met? Do you actually feel more successful, happy, loved, or safe? Are there feelings of self doubt, worry, and fear because of the choices you made? It can be quite helpful to understand that the urge to splurge has a direct connection with our emotional needs. Understanding that you have allowed your spending to have power over much of your life can make all the difference. Nine Year Mortgage suggests that by taking time to think about your emotional state before you make a purchase, you will be better equipped to overcome your addiction, leading you to a much more successful financial future.

 


Do I Qualify for the Nine Year Mortgage Program?

Not everyone qualifies or will benefit from the Nine Year Mortgage program so there is no easy answer to that question.   However, we are very careful with who we let into the program.  We go through a qualification process to make sure you have a viable financial plan that will work before we let you into the program.  Our representatives are trained to ask the right questions and gather the information necessary to find out if we can help you as quickly as possible.  If you would like to go through this process you can Click Here to begin filling out some basic information so that a Nine Year Mortgage representative can start working on your numbers right away.

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