I have been there, and I revisit these fears on occasion–probably even more often than I care to admit. I still have student loan debt that I hope to pay off before I retire. I haven’t found health insurance that is worth the exorbitant costs, and I only recently paid off an emergency room bill from when I had catastrophic health insurance that didn’t cover a major head injury. It’s not ideal in many ways. I live modestly on a tight budget. My partner and I cook our own meals, don’t have television, don’t subscribe to the latest fashion trends, and use our gadgets until they are ineffective. Yet I still live relatively well.
One of the best things I did for myself in this area was to transform my relationship with money. I continue to work on this daily, reading books, such as:
- Secrets of the Millionaire Mind, by T. Harv Eker
- Money is My Friend, by Phil Laut and Jeffrey Coombs
- Financial Peace and Total Money Makeover, by Dave Ramsey
- Think and Grow Rich, by Napoleon Hill (now in the public domain)
- Accounting for the Numberphobic, by Dawn Fotopulos
The more I’ve learned to let money and numbers be simple ways to tell me where I might be heading (like a map), instead of saviors or enemies, the more I’ve been attracting what I need–in divine time. My mantra is often, “I don’t know how it’s going to work out, but it will.” Then, I get back in action, taking care of my responsibilities, and it does indeed work out each time.
Nance L. Schick, Esq. is a New York City attorney and mediator who focuses on keeping people out of court and building their conflict resolution skills, especially in business and employment disputes. Her holistic, integrative approach to conflict resolution draws from her experience as a crime victim, human resources supervisor, minor league sports agent, and United Nations representative. She is a 2001 graduate of the State University of New York Buffalo Law School trained in Alternative Dispute Resolution (ADR) by the Equal Employment Opportunity Commission (EEOC), Financial Industry Regulatory Authority (FINRA), and International Center for Ethno-Religious Mediation (ICERM). She is also creator of the Third Ear Conflict Resolution process, author of DIY Conflict Resolution: Seven Choices and Five Actions of a Master, and an award-winning entrepreneur, who has been acknowledged by the New York Economic Development Corporation/B-Labs (Finalist, Best for NYC 2015 & 2016), U.S. Chamber of Commerce (2015 Blue Ribbon Small Business), Enterprising Women Magazine (Honorable Mention, 2014 Woman of the Year awards), and Urban Rebound NY/Count Me In (Finalist, 2013 Pitch Competition).