I Finally Found the Secret to Productivity!

Are you not reaching your goals despite having read several self-help books? I have listened to hundreds of podcasts, read tons of self-help books, and I still was not reaching my goals! What was wrong with me? I seriously was starting to believe I was missing the “productivity” gene. My brain would not allow me to stop procrastinating. I was consistently inconsistent. Instead of ending my day how I envisioned it, feeling proud, productive and moving forward in life; I ended the day feeling sad, guilty and ashamed. Why could I just not get my life together? I made vision boards, meditated, wrote my schedule at night, journaled, set intentions, and I even wrote and signed those self contracts. I had accountability partners, who in the end, I just avoided and ghosted. Nothing was getting done! What a loser!

Consciously, I have big dreams. To semi-retire by the age of 55, to make six-figure in passive income, to be a six-figure copy and content writer, to weigh a svelte 136 pounds, to live in my dream house, to eat intuitively, to have close friends in my city. And even though I had been working on myself and developing myself for the past 5 years it was still not happening! Recently, I discovered my subconscious brain was holding me back!

While listening to another podcast, hoping I would be inspired, I clicked on an interview with Dr. Bruce Lipton. He said, and I am paraphrasing here, 95% of your day is run by your subconscious brain. And if you are not meeting your conscious goals, it is that your subconscious brain is holding you back. What does this mean? You are running on a program that was instilled in you as a child. The important messages we learn that show us how to navigate society, our little community, our family and ourselves, are messages from our parents, media, school, peers and other caregivers. It is what shapes and molds our views. This is why most poor people stay poor and why rich people tend to stay rich, despite how hard they work, how nice they are, and what goals they are setting. We are filled to the brim with this is subconscious programming.

So what are we to do? How do we break the cycle of being held hostage to our subconscious brain? How do we go about and reprogram ourselves? According to Lipton, there are 3 ways – hypnosis and subliminal messaging, repetition, and energy psychology.

Taking his advice, I downloaded a bunch of affirmations ranging in topics from health, wealth, productivity and motivation so that I could play them while I slept and would wake up to them in the morning (Yay for YouTube premium). And it works! I am writing this blog aren’t I? I have been wanting to get back into writing for the last couple of months and would just keep putting it off. What are some other changes I’ve noticed? My to-do list doesn’t seem so hard. Instead of lots of internal resistance, I now flow with it. I actually danced in my kitchen by myself! WTF! My brain is changing. And this was after 3-4 days of listening to my affirmations. It may sound silly and like it doesn’t work, and maybe this is my one productive day for the month, but overall, I feel happier, inspired and ready to tackle my dreams. Resistance is still there, but it is more of a whisper vs shouting from a megaphone.

I will update this new found trick and let you know how my consistency and habitation is coming along.


So What’s in Your Credit Report?

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Section 1: Personal Information

Here you will find your names and aliases, addresses – both current and previous, and employers.

Section 2: Credit Scores

This is where you will find your credit scores from the 3 bureaus. If there is no score for a certain bureau, that means you do not have enough credit to establish a history.

Section 3: Risk Factors

These are comments made by the 3 bureaus about your credit history. It may contain statements like, “Too many collections agency accounts that are unpaid.” or “The date that you opened your oldest account is too recent.” This is important as it is how the bureaus see you and what lenders will look at. The risks codes will be in order of importance. Whatever is at the top is the most significant. This will tell you why you are not being approved for a loan.

Section 4: Summary

This is where you will find how many accounts you have open, closed, delinquent, balances for all the amount of credit you have out, and payments, if you have anything in your public records, and how many inquires that have been made in the last 2 years.

Section 5: Account History

This section will show you the account type and whether or not it is revolving, installment or open. It will also give detail as to what kind of account it it – a credit card, mortgage, student loan, etc. It will also tell you the bureau code, and this is important to look at and make sure it is right. This will tell you if the account is individual, joint or authorized user. It will divulge the details of monthly minimum payment, date opened, credit limit, what is past due, payment status, and when the bureaus or furnisher last reported this information. High credit is the highest balance that it has been. If it is higher than the credit limit, then that means you went over your credit limit. The comment section is a valuable piece of information as it will give clues about your account. Date of last active is the date of last activity on the account. It also sets the date for the timeframe for debt collection that is legally enforceable. There is a statute of limitations on how long debt can be collected. Another important piece of information is the date of last payment, because this will tell you the date of first delinquency. This has to do with the 7 year limitation that credit bureaus and furnishers can keep it on your credit report.

Section 6: Public Records

This section will state any thing that is public records. This includes judgements, child support, liens, bankruptcy, and sometimes criminal history. Liens are technically not supposed to appear on a credit report, but sometimes they do. You might be able to dispute a lien as an inaccuracy and get it taken off your credit report.

Section 7: Inquires

This section shows when your credit history was requested. It can be a hard or a soft request. It should only appear once, not in duplicate or triplicate, and should not be on there for more of its statute of limitations. For example, most inquiries are only allowed to be on there for 2 years.

Section 8: Consumer Statement

I would leave this section blank, as you might unintentionally incriminate yourself. But if desired, you can write a blurb and have an explanation about your credit.

Section 9: Furnisher Contact Information

This section gives you the contact information for each furnisher. This is who reported information to the bureaus. This information is provided so you can contact anyone who provided information about you.

What are you supposed to do with this information?

You can use it to stop and fix any inaccuracies in your report. Inaccuracies could include not having correct addresses, having wrong descriptions for accounts, having a spouse on your report, and the most annoying, being listed as deceased! You can dispute dates, comments and verifications. It is important to be specific about inaccuracies and corrections.


Getting into the Credit Repair Business


Hello! One of my goals in life is to become a top notch financial coach, helping thousands of people gain financial independence. I want to help people quit their jobs, have financial security, reach their financial goals, and just becoming more financially literate. I believe one of the first steps to financial independence is to make sure you have great credit. I know Dave Ramsey says that credit is stupid and that you don’t actually need it, but I disagree. You need credit to rent an apt, get a cell phone, apply for certain jobs, etc. So one of the first ways I am going to help my clients is by starting with their credit and making sure that their credit report accurately reflects the truth. So how do you go about disputing your credit report? In my training, I am learning several ways to do this.

First, you ask the credit bureaus for a verification. According to the law, they have 30 days to dispute a verification and if they can’t come up with the evidence, then it gets erased from your report. I like the fact that the burden of proof falls on them. This is used as the first sweep and the disputes are more broad and all encompassing.

Second, you can formally dispute items on the report. This targets specific disputes. There is something specific that is inaccurate about the data. It also encompasses outdated and incomplete information. It can be something and simple as a name misspelling. This is a great way to remove negative items that are affecting your credit.

The third step is to send the credit bureaus a warning and asking for a reinvestigation. I believe this step is one of the strongest. This is where a lot of people give up when they hear no. But persistence can pay off. This step lets people know you are serious and won’t just go away.

Fourth step is intervention. This step is for open accounts and late payments. By sending a friendly letter showing that you have had a good history of payment, then you can usually get the one to two late payments off your account.

If you are starting to feel ignored report them to an agency. No one wants to deal with that. If you feel the need to leave a bad review or to tell your friends about it, then most companies don’t want to deal with negative press and they might be more likely to remedy a mistake and to fix the problem.

The next process to help with stubborn debt, is to ask for a written verification. This forces creditors to verify that the debt is valid.

The final strategy is to take legal action. If you are being ignored, they won’t correct something, or investigate you can file a lawsuit against them. You will need to hire a lawyer for this step.

After I go through these steps for my clients, the next step I would do is to educate them how to live a debt free lifestyle, how to prepare for the future, and how to make investments, and how to set themselves up to create passive income.

Want to FIRE? Be sure to plant money seeds today, not tomorrow!

Commitment to Myself

Weekend #Funny The contract is signed, so a pinky | oGoing |Fun Business  and Work Cartoons

I am ready to go all in on life and the Credit Hero Challenge. I will build a life that helps people financially, live a healthy life, form great relationships with their kids and make the world a more beautiful place. I will become the next Credit Repair Cloud Millionaires Club success story. I will help Drs change the face of medicine. I will be a leader in child development and parenting and I will have a beautiful home to host people. And above all, I will be the bridge from people’s reality to dreams.

I am ready to commit to changing my emotions so that they represent my future self. I am committing to dreaming, but trusting in the universe so that abundance will flow to me. I am committing to living a life of love. To stop the habitual negative feelings that my body craves. I am committing to changing my morning routine of twitter and late night talk show monologues to starting my morning with meditation, feeling the emotions of my future and of gratitude.

118+ Dr. Joe Dispenza Quotes for Creating a Phenomenal Life |

My Story


I grew up pretty normal, but I was living a life of depression, pain and low energy. Why couldn’t I be happy? Why did I not feel exuberate about life? Why did I wake up either feeling nothing or dreading my day? Why could I not remember the a day when I was truly happy?

First it was because I listened to everyone else. I never really thought about my life. I went to school, got good grades, went to college and went and got a job. I even had a job that “fit” my requirements – pretty autonomous, good pay, good company whose values aligned with mine, nice co-workers, a decent boss. Yet, I was still unhappy. I tried to stay in the job for 5 years. I would build my wealth, build experience, foster helpful relationships. But I just couldn’t hack it.

All this time, I was looking to be happy. I thought I would be happy that I was successful – at least on the employment realm, that I was financially stable, that I was married to a man who loved me and had a daughter that was well behaved and becoming a pretty good human being. But none of that mattered.

What was blocking me? A little bit of self worth, confidence and truly believing that I could break my mold. That I could be a millionaire on my own. It’s strange, I believe in my skills and I believe in my power, my intelligence, and my beauty. But my biggest fear is being one of those people who only talks, but never does, or never produces. Another fear I have is that I will work hard and then it will all crumble.

I finally hit a wall in June 2020. It was the beginning of the height of the pandemic. My mom had just passed away, the following day I underwent a hysterectomy, then I severed the relationship with my dad. I had lost so much. I was struggling at work. I was stressed out and I had no motivation. I was just done. I knew I was not living my life to my highest potential. I was wasting away at work. Work started to go against my values. “Work harder during the pandemic.” “Let’s gain customer loyalty, while trying to nickel and dime them.” I was done. I wanted to take control of my life. So i quit/got fired from my job. I quit, because I just stopped working. I did the bare minimum for my customers but that is it.

Negatively, I lost the good relationships I had with co-workers. I lost some self esteem, feeling like could not hack it out in the world – ie. I am the loser guy who cannot hold down a job. I also had financial fear. The fear of being able to make my bills, the fear of never being financially independent, the fear of always living below my means because I don’t have a choice not to. The fear of never being able to accomplish my dreams. Of being able to do what I want. I also lost a little bit of my identity. What was I going to tell people who I was? A shopper for Shipt (while it is a good part time job) is not what I want my identify to be. I felt like I was falling further away from my financial dreams. Since I could see my bank account getting smaller and the medical bills piling up, I started getting more resentful towards my spouse. How could he have a pH.D and still make 30K a year? How come after 10 years he is still in the same place? It brought up resentment because even when I was making money, he still was not living up to my expectations of a house husband. He couldn’t feel the dog and get the child to school. He would cook, but the kitchen would be a disaster. It would infuriate me. I also hate that I am not paying down our debt as quick as possible. That I find myself relying on credit cards again. That I feel like my choices are limited. That I feel like we’ll never get to have expensive fun again. That I feel like one big financial thing will put us into ruins. I was not feeling abundant. Which is why I partially quit my job.

The epiphany for me is based on several things. And things that I gotta keep remembering and doing, because I can get dark pretty quick. One, to be happy in the moment. Finding law of attraction people like Joe Dispenza, Christie Marie Sheldon, and Abraham Hicks. How much my food and sleep affects my mood. To really start taking care of myself. To know that I am on the right track with my credit repair education. Listening to Joe Dispenza and Christie Marie Sheldon helped me realized how much I need to open up my heart to love. It sounds crazy, but it really does help. They showed me how to envision my future and prepare my body for the future instead of living in the past. Listening to Dr. Eric Berg and Dr. Mark Hyman talk about insulin resistance opened up my eyes to how my metabolism works. Going to Dr. Grace Alessi showed me how I was missing half of my gut bacteria and gave me supplements to help with my healing journey.

This has helped me to have a better outlook on life. To really feel gratitude and most of all to be in a better mood. I know that my dreams will come true and that feeling Love from Above will allow abundance and the life that I want to manifest to come to me. My future will change. I will be living my life by my design. I will be more content in my marriage. I will be able to help people do the same. I will be able to full fill my purpose in this world as a teacher and healer. I know that I am meant to heal the world by molding and fostering Eleanor to be the best person that she can be, and to help heal the walking wounded. Those who are just trudging along in life, waiting to retire. Those who are not 100% satisfied with their path and for those who need their light to shine so they can do good in the world. I am also here to educate parents on the effects of modern day parenting. How it is hurting our kids and instead build up kids so that they can also find their power and become a better force in the world. I am also here to show people how to care for themselves through food and finances. The 3 F’s that is what I am meant to do. Also to make the world beautifully aesthetic, by making beautiful people and decorating.

The first action I took to achieve this was to start my mornings off differently. I no longer wake up to scroll on twitter. I wake up to a motivational talk and I also go to bed by 11 every night. I am also only focusing and obsessing on my 3 F’s and an A (aesthetics). The next action I am taking is practicing love and gratitude every day and to truly live by these and my other values. Another big action that I took, was to start becoming more prominent online and to open up my credit repair business. My vision came together so well, that I decided to open up a financial coaching to include personal investment education and helping others reach FIRE. I was also able to help out my family and change our family’s path from middle class to wealthy!

The name of my business is Against Modern Life – helping you to bridge the gap between dreams and reality. For my financial business it is going to be called – Own your Finances – take control of your finances, take control of your life. Through these two business models. I have helped 10,000 families and people reach their financial and life goals. I have helped people navigate our modern world and set them up for success. I have helped 1000’s of family with their parent child relationships and have helped parents model positive financial and life skills for them to continue into adulthood. Through this I have made a comfortable life for myself where I am able to invest my earnings so that I can create a life of 60K per month in passive income. Eleanor is interested in what I am doing and learns how to be an entrepreneur from me. I have learned how to enjoy life, I wake up excited to start my day and I can be generous with my time, money and love.