In our daily pursuit to simply live happily and debt free it is imperative to firstly determine where we are currently. You will recognize the need to make certain changes and you can then begin the process of assessing and evaluating your current situation to better your financial future. For financial freedom you need to have your Values, Goals and Priorities aligned.

Here are two examples that will help clarify how you can better assess your own values, goals, and priorities.

Scenario One:

Imagine your goals are:

  1. To have the biggest house in the most prestigious neighborhood of the city
  2. To own the newest, sleekest, fastest model of car imaginable
  3. To have a huge array of material possessions to showcase your success
  4. To make lots of money or even using credit cards to acquire these possessions

So there for your values are:

  1. material possessions
  2. money
  3. prestige
  4. personal recognition
  5. elevated social status

You are totally immersed in achieving your goals based on your values, and you have prioritized your life to attain them. You are sacrificing quality time with your family and neglecting your own personal mental and physical health. You are even going as far as to maximize your credit cards and take on additional debt to buy the things you desire.

Your priorities are based on spending every possible minute accomplishing your goals to amass fortunes, and stockpiling your possessions, at the cost of ignoring the other aspects of your life.

Scenario Two:

Now imagine your goals are:

  1. To being debt-free and financially independent
  2. To provide for the things your family needs
  3. To take care of your own personal and spiritual needs
  4. To spend quality time with family and friends

So there for your values are:

  1. independence
  2. family
  3. financial health
  4. peace and tranquility
  5. high quality of life personally and spiritually

Your goals and priorities are based on making a living at a job where you can produce a comfortable income, investing your money wisely for financial independence, affording time for family and friends, and allowing time for exercising, meditating, or other activities to enrich your personal and spiritual life.

In the two examples above, the goals, values, and priorities are well-aligned. Although you may not agree with any one scenario, you can see that each person is focusing on the things that are important to them.

However, the majority of humanity today work an exorbitant amount of time to make money to buy lots of material possessions – and you are even going into serious debt to make it happen too. So this tells us that:

  1. Your goals, values, and priorities are totally out of alignment.
  2. You have abandoned your own personal goals and values to live a life that is fraught with stress, anxiety, and distress.
  3. You are madly working toward goals that are in total conflict with the things you hold near and dear to your heart and your life.
  4. You have sacrificed the life you desire for the life you have.
  5. You are living someone else’s life!

Based on this assumption:

  1. Are you happy? No.
  2. Is this the life you want to live? No.
  3. Is it the life you are living? Yes.
  4. Does it have to be this way? No.
  5. Can you change and redirect your life? Absolutely!
  6. Can you overcome obstacles to get there? Definitely!

If you are interested in being simply happy and debt-free, then it’s time for you to examine your current situation to create the life you desire. It’s time for you to make the changes that will lead to happiness and a better quality of life.

You need to stand up for yourself and what you value in life is now your mantra and your passion! You CAN make it happen.

A brilliant guide to help you evaluate your life as it is right now and identify the changes you need to make in the most important areas is instantly available at

http://www.womenslifestylepublications.com/business/debtconsolidation

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