More than a few salaried professionals have had financial problems wreck their mental health. Salaried employees do what they can to save money in the hopes of purchasing property in the future, and the comfort and peace of mind which a person derives from their home is difficult to describe in words. However, there are just as many people who become broken-hearted as a result of a failure to pay the monthly installments of their home loan.
It is unfortunate and utterly heartbreaking, but sometimes people encounter situations that leave them with no option except to sell their house; if, for example, one could not save sufficient money to make the monthly payment on the home-loan. Truly this is an unenviable position, but there are a few methods which one can use to save one's house.
Many individuals would like to remain in his or her home but do not desire to make house payments. Several means have been developed to accomplish this. One of the newest and most popular methods that is used globally is the "sell and rent back" method. How you utilize this method is as follows. First, you sell your home that you purchased with a bank loan. Second, you set up an agreement with the new owner of your home to rent your home from him or her. Your only obligation is to make the monthly rent payment.
If you sometimes find it difficult to make your mortgage payment, it might be wise to consider the sell and rent back scheme. As an alternative, you can consider having your loan refinanced, but by doing that there is no guarantee that you will meet the bank's terms and conditions.
It is possible to free yourself from the burden of a mortgage and its monthly payments by participating in a "sell and rent back" program. Such an arrangement will also place the responsibility of maintaining the house on the new owner of the property. You retain possession through a rental agreement, but are no longer responsible for making repairs on the house.
Any number of professional lending institutions have "sell and rent back" options. If you are curious, go to your favorite search engine and enter terms such as "homes for rent back" or "houses for quick sell". You also may be able to find listings for this service in local periodicals.
Rihanna And Live Your Life
Every moment spent in routine is a moment spent unconscious. When we look at our lives as an expression of divine consciousness, then every moment of routine is a moment wasted, an opportunity missed to truly experience ourselves as God/Goddess.
We fall into routine because that is what we are taught. We are trained to look away from our greatness, we are modeled mediocrity and dullness, and we are force fed a diet of perceived scarcity and fear. The result is we look for sameness and stability in our lives, sacrificing the incredible mystery of this lifetime for the pale illusion of security. We are promised safety if only we will conform, do the right thing, follow the rules, be a good student/friend/mother/father/member of society. But security is a false promise driven by the fear of the unknown, and ultimately the fear of our own death.
How do we bring joy back into our life? How do we break the mold of seeking external validation and embrace the mystery at the core of our being? The place to begin is where we act out basic routines in our life. They sap our energy and dull our consciousness. Breaking these routines enhances our awareness, brings us fully present in each moment, and ultimately allows us to come to a place of true choice. It is a good first step in becoming capable of consciously embracing whatever is arising in our lives and living it fully, aware and awake to the fact that everything in every moment is God expressing herself in infinite variety and beauty.
Look closely at your life. Most people get up at the same time every day, go through the same morning grooming ritual, make the same breakfast, drive to work the same way, talk to the same people day in and out, drive home the same way, eat dinner at the same time, zone out in front of the TV, brush their teeth and go to bed. They spend their weekends in the same kinds of places, pay their bills at the last minute each month, call their parents once a week/month, and dread tax time every year.
What most people fail to recognize is that every great moment they can remember came as a surprise; something unexpected happened, and the impact of the unexpected affected them more in one moment than a whole year of living the "good life" ever could. We gloss this fact over, pretending that our control mechanisms are keeping us safe. We "tick-tock" through life like zombies in a dream, waiting for the day when it will all change, yet never releasing enough control to truly change anything.
Then suddenly one day we are dying, it all comes to an end, and we are stuck in fear of the unknown in our last moments, finally forced into an understanding that we have no idea what is going to happen next, and we never did.
Breaking routines is a simple practice, but as with all good spiritual practices it is not so easy to accomplish. Truly bringing awareness to each moment is a daunting task, when faced with the fact that most of us are unaware for most of the day. The important thing is to start somewhere, and to start with something simple. Brush your teeth with your non-dominant hand for a week. Set the alarm for five minutes earlier or later each day. Practice fluidity in getting ready for work: make it happen in five minutes one day and stretch it out for an hour the next. Drive to work a different route every day.
There are an infinite number of ways to break routines. Look at your own life and get creative. Slowly but surely go after every habitual place in your life, seeking presence and awareness in everything you do.
The ancient Toltec of Mexico called their system of breaking routines "not doings" because it often has you "not doing," or doing the opposite of what you habitually do. At Spiritual Integrity we offer spiritual life coaching, drawing on tools and practices from Toltec and other shamanic traditions. Below are some suggestions we offer for different levels of not doings. Look at your life and see which ones are most appropriate for you, and do them. Reclaim the energy and awareness you need to connect more deeply every day.
Beginning Not Doings
o Brush your teeth with your non-dominant hand.
o Eat with your non-dominant hand.
o Change your route to work every day.
o Get up at different times and go to bed at different times.
o Eat at different times each day from when you normally do.
o Walk around your house backwards as you do your normal routines.
Intermediate Not Doings
o Do a one-day water or juice fast once a week.
o Don't talk about your personal history at all for a week (no stories about the past and no reminiscing about the past with other people).
o Go into silence for a day.
o Do not verbalize any judgments or opinions for a week.
Advanced Not Doings
o Spend an entire day focusing on the spaces between things as you move through the world.
o Spend a day focusing on shadows instead of where light is hitting.
o Take one hundred totally conscious breaths as you move through your day (not all at once). If you lose count then start over at one.
o Turn every judgmental thought about another person or event into a two-minute exercise of appreciation and gratitude for other aspects of them.
As always set up specific parameters for what you are doing and limit it to a structured amount of time. Evaluate how it went at the end of the time period and adjust what you want to do next. Take note of changes in the amount of awareness, energy, and peace you have as a result of the practices. Most of all, have fun with all your experiments.
Both Peter Shukla & Raven Smith are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
Peter Shukla has sinced written about articles on various topics from Real Estate, Foreclosure Help and Real Estate. You may have no choice other than selling the home you love, since you can no longer afford the monthly mortgage payments. There are some ways you still may be able to keep your house. One of those methods is the ". Peter Shukla's top article generates over 40500 views. to your Favourites.
Raven Smith has sinced written about articles on various topics from self improvement and motivation, Web Development and Education Toys. Raven Smith is dedicated to sharing powerful shamanic tools to help you live your purpose. He is a mentor in the Eagle Knight lineage of don Miguel Ruiz, author of The Four Agreements. Raven co-authored Spiritual Integrity and runs. Raven Smith's top article generates over 27100 views. to your Favourites.
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