Debt relief attorneys help good people like you get out of debt.  A debt relief attorney will find a solution that is best for your debt situation.  Solutions for debt problems include credit counseling, debt settlement, loan modifications, offers in compromise, and bankruptcy.  Bankruptcy?  That’s right.  Many people forget that bankruptcy is a federal law since 1800.  It was signed into law by President John Adams, who was the second President of the United States.  Basically, you have a legal right to get out of debt.

There are pros and cons to each debt solutions.  For example, with debt settlement you have to pay taxes on the amount of debt you settle.  In bankruptcy it stays on your credit for ten years.  However, there are pros such as being debt free and being able to rebuild your credit within two years.  Solving a debt problem gives your piece of mind and allows you to enjoy life again.

Finding the right debt solution depends on your income, assets, and types of debts.  There is not a “one size fits all” solution to any debt problem.  Your situation might require credit counseling while another person would be better off filing bankruptcy.

The best way to find out about your options is calling a debt relief attorney similar to Kevin Heupel. Kevin Heupel is a debt relief attorney in Colorado and Arizona who has been featured in USA Today’s Legal Elite, a guest on the national Brain Tracy Show, and recently became a best-selling author on Amazon.  Kevin’s law firm, Heupel Law, has an A rating with the Better Business Bureau, offers a money-back guarantee, and allows people to file bankruptcy for $0 money down.

For more information about debt relief options, or Kevin Heupel, visit his Web site at www.GetDebtFreeWithMe.com.

I’ve outlined 10 reasons why you’re probably not seeing results and how to combat each of them.

I challenge you to take a look in the mirror, and find out if any of these apply to you.

1) You don’t believe you’ll see results

When you started your last fitness program, did you truly – and I mean truly beyond a shadow of a doubt – believe that you would see results? Or were you thinking in the back of your head that “This one won’t work, just like last time” or “I bet this is just another fad diet.”

If so, you automatically set yourself up for failure. In order for any success to come to fruition, you must first believe that it’ll happen. Otherwise you’ll give up the moment you think it’s not working when you may have seen results if you had just kept on for another week.

If you find yourself doubting whether you’ll see any results, stop and ask yourself why. Is it because others around you doubt you? Is it because you’ve tried so many different things already and none of them worked? Is it because you don’t think you’re worthy or capable of being anything other than overweight or scrawny?

Once you’ve gotten to the root of the problem, or your “limiting belief”, first get creative about how to change your environment to squash the situation. For example, if others around you doubt you, try to spend only high quantities of time with people who believe in you. Or, sit them down and explain that you need them to say only supportive comments or say nothing at all.

But, here’s a quirky way squash your limiting belief. Try this: Write your limiting belief, such as “I’m not worthy of being fit and achieving my dream body,” on a piece of paper. Then tear it up! Tear it to shreds! Think about how good it feels to obliterate that belief! Replace all thoughts of “I’m not worthy…” to “I AM WORTHY and I WILL achieve my dream body.”

Write these new words on sticky notes and post them everywhere – on your bathroom mirror, on your steering wheel, on the refrigerator! Read them over and over again, and feel it resonate in your very soul!

First you must believe, then you can achieve.

2) You don’t have a plan

Okay, you’ve decided that it’s time to lose some belly fat. So, you decide that you’re going to start going to the gym and eating healthy. You do pretty well during week 1, during week 2 you skip a workout or two and order a pizza because you don’t have time to cook dinner, and during week 3 you’ve essentially forgotten what “healthy” means.

But you were so committed to losing the belly fat! What went wrong?

You didn’t have a plan.

Good intentions are great, but if you’re serious about reaching a goal, you have to lay out a plan.

So, let’s back up. You decide that it’s time to lose some belly fat. Great! Now what? Start laying out your plan by following these steps:

• Set some goals, and be very specific about it.  Illustrate it in a way that would empower you, give it some life, and let it move you.
• Get a structured fitness program. Whether you do research on your own, try out a program that worked for a friend, or hire a personal trainer, get on a program. “Going to the gym” can only be so effective if you don’t have a structured fitness program to follow.
• Get on a supportive nutrition program. Same as the fitness program, you need some guidelines to follow. Otherwise you’re much more likely to “fall off the bandwagon” if you don’t even know what the “bandwagon” is.
• Plan ahead. If you know you need to eat a healthy lunch, but the cafeteria at work serves only burgers and fries, pack your food for the day. Buy all your groceries on the weekends and prepare your meals in convenient Tupperware on Sunday so you can “grab and go” in the morning. Keep a healthy snack like nuts in your bag so you don’t have to resort to the vending machine for an emergency snack.

3) You have poor follow-through.

Maybe you are the type of person who sets the right goals, gets on a fitness and nutrition program, and plans ahead, but somehow you still don’t see results. Is it because you’re not following through on the commitments you made to yourself?

Anyone can set a goal, but it takes a real commitment to follow-through. Once the goals are set the easy part is over. Motivation fizzles. You have to push through the thousands of excuses that present themselves – I have to work overtime, I’m just too tired today, I forgot my gym shoes, etc.

If following through is a problem for you, try these techniques:

• Get some support. Find someone who is also working toward a fitness goal and hold each other accountable. Join an online forum or a fitness class.
• Reward yourself. After a week or two of following through, reward yourself with a special treat – a massage, new clothes, or a getaway weekend.  Whatever it is make it something worth working for.
• Make it fun! Make sure your fitness program is fun. Incorporate activities you enjoy such as hiking, basketball, swimming etc. Make it feel like play rather than work.

4) You’ve been given bad fitness advice in the past.

Everyone thinks they’re a fitness expert – your mom, your dad, your co-worker. And maybe you’ve taken their advice or even advice from a magazine or book that didn’t work, or even worse, caused injury.

No wonder you didn’t see any results. Anyone can give advice, but that doesn’t mean they should be giving it. And it definitely doesn’t mean you should be taking it.

So now it’s time to start over. If you don’t feel confident researching the right fitness and nutrition program for you, get some help from the professionals – a personal trainer and/or a nutritionist. And if that past bad advice came from a professional, talk to your friends, neighbors, and co-workers to get a referral.

As with any profession, there are good and bad apples out there. Interview him or her, ask what their credentials are, and ask for references. Taking that extra time will be worth it.

5) You don’t take nutrition seriously

In my thirteen years of experience, I’ve encountered many clients who think all they have to do to change their bodies is go to the gym. But they don’t change their eating habits. They sweat and toil during their workouts, wonder why they’re not seeing results, get fed up, and quit.

You’ve probably heard by now that nutrition is responsible for at least 80% of your results?

You may expend plenty of calories in the gym, but if you’re not altering the number or quality of calories you’re putting in your mouth, you’re not going to get the results you want.

Let me put it this way, if you owned a high performance exotic car like a Ferrari would you put the inexpensive oil and gas in it?  My guess is your answer is no, especially if you paid 6-figures for the car and you want it to run smoothly.  Well, your body is a high performance vehicle much like the Ferrari, so it’s only fair that you nourish it and treat it like one.

6) You need to de-stress

Life is extremely hectic, and stressful nowadays. Everyone could use a break from the hustle and bustle of it all.  These stressors take a much larger toll on our body than we think, and causes fat storing stress hormones to bathe in our system.

Engage in de-stressing activities such as light yoga, meditation, or walks in the park or beach by yourself or with loved ones.  Sometimes you may even need to take a one or two day vacation from it all.  The short getaways help your mind and body rejuvenate and relieve you from stress.

De-stressing is not only good for you, but for your family as well.  Family and friends can always tell when one is stressed and it affects them too.  So do what you can to take care of yourself and alleviate unnecessary stress.  You’ll be glad you did.

7) You don’t have enough attitude

You don’t have enough “oomph” when you’re in “workout mode”.  Let’s take what’s easily the number one fitness goal, “losing belly fat”.  If this is your goal, well then, you need to take an all out war approach, because if you don’t, your body fat WILL win every time.

Most people think, “Oh, that person lost it in just a few weeks, so it shouldn’t be that hard for me too”.  If someone truly lost a significant amount of body fat it in a few weeks without surgery, AND they’re keeping it off, it’s more than likely they declared, “Battle with the Bulge”.

Losing stubborn body fat is not easy.  The process on paper seems easy, but it takes an unwavering focus to get it done.  Look, if you’re struggling with losing body fat, you have to remember it took you months to years to put your body in that position.

So get a little more intense with your overall program, create vision boards for added motivation and hang them in your office or in your home where it always serves as a reminder for what you’re working towards.  Put together workout music that’s going to move you and help you get through your workout with intensity.

Everyone has an inner warrior in them, so find a way to tap into that warrior and I guarantee you’ll feel more vibrant, vital, and alive and your fitness goals will no longer feel like your trying to scale the Great Wall of China.

You don’t have social support

How many times have you tried to do something alone that would have been much easier if you had the help of a team or a “cheerleading section?” As I mentioned earlier, it’s important to follow through on the commitments you made to yourself. It’s your responsibility to do what you can to ensure your success, and that includes creating a social network of supporters.

Sit down with your family and explain to them why you’re doing what you’re doing. Ask for their support and encouragement. Join an online forum with whom you can share your victories and challenges and from whom you can get the encouragement you need. Join a semi-private personal training or small group fitness class to surround yourself with other health and fitness-minded people.

If you’re serious about achieving your goals, try to spend high quantities of time with only those people who will support you.

9) You’re not having fun

All work and no play makes Jack a dull boy, right? I enjoy working out, but I understand that there are tons of you out there that don’t. And having to do something on a regular basis that doesn’t sound like any fun can definitely lead to poor follow-through, lack of effort, and lack of results.

What would make your fitness program fun for you? Try incorporating activities that you enjoy such as swimming, dancing, hiking, etc. Get a workout buddy to not only hold you accountable, but to also make it more enjoyable. Listen to your favorite tunes to pump you up.

If you’re working with a trainer, make sure you talk about this with him or her. They should be open to changing things up to make it more fun for you.

10) You don’t reward yourself

Sticking to a fitness plan isn’t easy. All that hard work, and never giving yourself a pat on the back can be very discouraging. It’s like when you spent hours on your book report in the third grade and didn’t even get a gold star on your paper. Were you motivated to try hard again for the next paper? I don’t think so.

Reward yourself for a job well done. After a week or two of following through, treat yourself to something special like a manicure or a movie. You can even reward yourself with a moderate portion of your favorite dessert or snack.

Treat yourself to big rewards like a new power tool or a day at the spa for reaching significant milestones like dropping to a certain dress size or measurement. And give yourself a huge, reward for reaching your ultimate fitness goal.

Some people go on their dream vacation or buy themselves a car! You get the idea.

Give kudos to yourself. You deserve it!

Till next time…

Coach Rommel

It’s important that you are regularly feeding your body to keep your energy levels and concentration in tact so that you can get everything done that you need to.

Let’s look at some great at-work snack ideas that you’ll want to consider.

Beef Jerky

Beef jerky is a great way to get some added protein into your day and will be a terrific low carb option for those who are following a more strict diet plan.

Beef jerky will help provide some iron as well, which will ensure your energy levels stay up during exercise and that you don’t risk suffering from anemia.

Try and choose the lower sodium varieties to keep this down and prevent water retention.

Greek Yogurt With Chia Seeds And Berries

Second, the next smart at-work snack is Greek yogurt with Chia seeds and berries. This is a very well balanced snack as you’ll get a good combination of healthy fats, fiber from the berries, and protein from the yogurt.

It makes for an easy snack on the go. Be sure to select Greek yogurt that doesn’t have any added sugars to it for optimal benefits.

Canned Low-Sodium Soups

Finally, you may also want to consider bringing some lower sodium canned soups with you to work as well. Stay away from creamy varieties and instead go for a vegetable soup, a chicken vegetable, or a turkey noodle.

Most will come in around 200-300 calories and will help fill you up in a hurry, so can be a good option to have on hand.

If you can prepare your own soup to bring with you to work, that’s even better.

So there you have some of the top snack ideas that can quickly help you get through the afternoon and feel your best at all times. Choose these more often and you should feel better and see faster weight loss progress.

If you have really high ceilings and want to make a dramatic statement, groin-vaulting around the perimeter is a gorgeous and classic detail that never goes out of style. Photo: iDesignArch

These beautiful framed stencils by Nichole Blackburn were the perfect touch for this sophisticated dining room. Photo: Design Amour

Tin ceilings are an unexpected and totally cool design feature for a room, especially since they come in a variety of patterns. Photo: Interiors by Studio M

Who said you can’t paint a ceiling black? It looks perfect in this sophisticated dining room and really showcases that lovely medallion. Photo: Dress Launderette

The pure art of that carved ceiling creates an entire focal point for this very simple sitting room. Photo: Kiki’s List

The natural wood ceiling in this kitchen creates a warmth that resonates through this light, airy kitchen. Photo: Adore Your Place

Metallic paint gives this bathroom a touch of glamour and shine that makes it look like a 5 star hotel. Photo: Design New Jersey

The exposed brick and wood beams give this kitchen a rustic warmth. Photo: Caribbean Living

Painting this ceiling with wide yellow stripes gave this nursery an extra bit of whimsy that is simple and sophisticated enough to stay as the child grows older. Photo: Project Nursery

Saving the most dramatic for last… Wow! An ultra glamorous version of the big top. A little much, but awe-inspiring nonetheless. Photo: Jackie Caradonio Photography

I guarantee the next time you step into a building, you will be looking up to check out the ceiling. Hope these 10 ceiling design ideas have inspired you to think of your home’s ceilings as an extension of your decorating canvas.

Warm regards,
Megan