Molinda Goforth

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Why Do I Have A Goal For A Debt Free Home?

June 6, 2013 by Molinda Goforth Leave a Comment

In order to preserve privacy, I will not disclose total details of this situation but state a friend I had not seen in years amplified my awareness of  my spiritual growth.   Her financial status has intensified my desire to become debt free.  I have a lot of unsecured debt.  She is at ease because she is buying a house.    I see it…..This friend  is two paydays away from the beginning of foreclosure.   She is paid twice a month, has a bi monthly payment for her home and NO RESERVE money  Go figure. Debt is debt, secured or unsecured.  We take ownership of security with a secured debt at the bank that really holds ownership of home.

Recently, a dear acquaintance filed bankruptcy,  lost the house and moved on.  In Astoria, I was aware of two other situations where one of the partners lost a job and the loss of home followed.

Yesterday I met another lady who moved here from Georgia,  running from the past of loss  Her home became a foreclosure, her marriage a divorce,  her car a repossession,  “her life.”   She started over homeless,  earned  $17,000 last year and is doing a bit better this year.

 I am aware of women compromising their moral standards to obtain the favor of man and therefore have the “necessities of life”

We compromise our standards to blend with those of others and become servants to each person we owe.  As a result we are a fragments of the whole person God created us to be.  Then,  Dr. Smarty Pants prescribes an antidepressant to keep us sane………..Excuse me?  What is wrong with this picture.

I am up early and will start getting ready to go to work.  Today, I will look for the good in my job and remember I am in a section of sales which provides a way to increase my income.  It is hard for me to focus on the present moment.  I tend to think of what will happen tomorrow, plan for the day after and sometimes miss the opportunities I need.

Thoughts of tomorrow include: it is payday, tomorrow I will list my debts for comparison, and set goals for the next 4 weeks.  Those goals will be followed with a specific action plan for generating the money to cover my deficit.

I would love to daydream about moving into the little house.  No daydreams allowed!  Those narrators who used to rent a space in my head, telling me that tomorrow everything would work out are evicted,  I am working on today.  Today, I will persist until I succeed, be a selling machine at work and assess the facts late tonight.  My house plans and goals will specifically avoid the path that leads to foreclosure, dread of payments, being a slave to the lenders.

Financial Choices for Home

May 28, 2013 by Molinda Goforth Leave a Comment

 Ten O’Clock last night became 11:00 and I think I slept while driving home.  Work was easier for me today when I fired the narrator in my head who said I should be doing something else.  Since I have been self employed most of my life, it is most challenging to be accountable to someone else for every second of my shift.

Life says it is time to STOP. Stop the stress, stop the debt, stop the world from worry.  That stop begins with me.

Picture this,  you are driving and approach a busy intersection where you note the light is red.  You don’t stop……Bang, crash bang,  The cars who had the green light hit you,  The car in back of you hits you,  it quickly becomes a major pile up.  You are killed………done for gone from this planet.   People surrounding you are injured…..

Hello,  it is the same with debt, the desire to buy for others, the longing for a big house and stuff.  I influence the opinions and actions of others.  You influence the opinions and actions of others.  I am influenced by the actions of those who are close to  me  Like the car crash,  my choice, your choice becomes a factor in the outcome of those around us.

Broke?   What will you do?   What will I do? Perhaps I will  search for a job,  use all credit cards, accept all credit offers,  take money from friends, family, borrow from friends, family,  get angry and become a victim. I will be powerful and take whatever jobs that enable me to step up from the hole I am in and see freedom.  Stop means to stop digging  hole and start living in the moment.

You can be a victim or powerful.  You can’t be both.  I may choose to be a victim or be powerful.  I can’t be both.  Today, working a job I don’t like but appreciate having is allowing me to move toward the foundation for a house that will be affordable and paid for within 5 years!   Amazing!

Will your home be paid for in 5 years?

Happy New Year Welcome 2013

January 1, 2013 by Molinda Goforth Leave a Comment

Happy New Year!

It’s a new canvas.  I received the most wonderful gift for Christmas.  It is The Four Hour Chef by Tim Ferriss.  Hint:  It isn’t all about cooking.  I am motivated to accelerate in 5 areas of my life.

  1. My relationship with God
  2. Work to balance my budget
  3. Work to fund my house
  4. Start and finish building home
  5. Habits that support a balanced lifestyle!

Join me?

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