Beckett Law - November 2018

AN ATTITUDE OF GRATITUDE

Find FreedomThrough Debt Elimination

Should Last Beyond Thanksgiving

Shame can be devastating; it ruins your confidence and directly impacts your perspective. Why is shame associated with bankruptcy? Bankruptcy has been a government- sanctioned process since 1898 and continues to be a viable way to start over.

The Misconception

It’s perfectly reasonable to feel shame when you’ve done something you know is wrong based on your personal moral code and beliefs. But bankruptcy is not like cheating on a spouse or lying to your parents. There is no shame in freeing yourself from the burden of debt. Bad information abounds and is continually perpetuated even though there is little basis in truth. Bankruptcy is a legal way to get “fresh start” so you can learn from your mistakes and regain financial security.

Taking the time to acknowledge who and what you’re grateful for is a Thanksgiving tradition far more important than turkey or football. It’s the cornerstone of the holiday and the reason we feast together in the first place. But when you really think about it, should expressing our gratitude and appreciation for others be limited to one day every year? Of course not! Why Gratitude Matters As we get older, it’s easy to succumb to negativity and pessimism — “Kids these days,” “The world isn’t what it used to be,” etc. The crabby grandparent and angry old neighbor are archetypal depictions of later life. But these fictions don’t have to be your reality. Recognizing and acknowledging gratitude will help you take stock of the positive aspects of your life and dwell less on unhappy thoughts. Being grateful has also been linked to significant health benefits. According to gratitude expert and author Dr. Robert A. Emmons, “Preliminary findings suggest that those who regularly practice grateful thinking do reap emotional, physical, and interpersonal benefits. Adults who keep gratitude journals on a regular basis exercise more regularly, report fewer illness symptoms, feel better about their lives as a whole, and are more optimistic about the future.” How to Practice Gratitude In the above quotation from Dr. Emmons, he mentions the practice of keeping a gratitude journal. This activity is a great way to start seeing the world with a more positive, appreciative eye. As often as you can, take a few minutes to write down the acts, people, and moments that you’re grateful for. Some will be big, others small — but all will have an impact on your mood and bring a smile to your face. Before you know it, you’ll have an entire book full of good memories and warm feelings. While keeping a journal is great, there are other ways to go about cultivating and expressing gratitude. The easiest one is simply to say “Thanks” whenever you can. It may seem insignificant, but you’d be surprised what a difference it makes. When you approach the world with the perspective that every day is Thanksgiving, it’s only natural to be grateful. We all have moments when we want to curse the world, especially as we get older, and those experiences are perfectly normal. Just as frequently, though, we have moments that are worth celebrating, often with people who are worth appreciating. Which will you think about more?

Pride

Pride is the antithesis of shame, but its effect on bankruptcy is nearly the same. Pride can inhibit people from declaring bankruptcy because they don’t want to admit “defeat.” Bankruptcy is often misconstrued as failure, so sometimes people let their pride stop them from making what could be the best decision for themselves, their family, or their business.

Consensus

People avoid the process, afraid they’ll be branded with a scarlet “B” or will never be able to buy a house, a car — whatever. In reality, bankruptcy is more like hoisting a championship belt than a walk of shame. When you wipe out your debt, you’re free to start over without financial burdens and are often a lower credit risk for the banks that might give you a future loan.

Filing bankruptcy is not a failure! Reach out to us today and let us show you the more positive side of bankruptcy.

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