Financial Woes? 3 Steps to Vanquish Debt by Mr. Nahas


Happiness Between Tails embraces joy — of writing tales… reading tales in books… cohabiting peacefully with our fellow creatures, some who have tails…

… arts… including music.. dance… cooking…

… and happiness — that includes living debt-worry free!

Here to address money is blogger Mr. Nahas. Down-to-earth and compassionate, he offers uncomplicated financial advice…

Awash in money problems? Mr. Nahas has your back. Here he visits a bathtub in Tampa, Florida.
Awash in money problems? Mr. Nahas has your back. Here he visits a bathtub in Tampa, Florida.

Hello Friends,

I hope all is well with you! My name is Justin Nahas, aka Mr. Nahas on my blog about economic freedom.

I was born, raised, and still live in sunny Florida. I graduated from the University of South Florida with a B.A. in Economics.

I have a passion for personal finance and economics — I just find the subjects so fascinating. I love how they can be applied to real life, and that there is always something new to learn about them. On my blog, I try to help people become financially literate, to take control of their finances.

Money is a problem in every part of the world and in many households. It’s important that those like me who enjoy personal finance and economics share their knowledge with others. One day I hope that I can blog full-time and continue to teach others through my failures, mistakes — and successes.

Today, I’ll discuss debt — but not how you might expect. I’m going to go over the emotional struggles that come with owing money and how to overcome those challenges.

Debt has a significant impact how we think, talk, and behave. I believe that getting over the psychological effects of debt is the crucial first step to living debt-free!

So, grab that cup of coffee that you made at home because you enjoy saving money, and let’s get started!

Have you ever thought about your debts and immediately began to stress out or have anxiety? Does the thought of your burdens make you feel like you can’t breathe? Do you constantly wonder if you are going to be able to repay the money owe?

Whether we want to realize it or not, debt impacts our well being. It can lead to stress, anxiety, low self-esteem, and even depression; that’s not something you should live with.

A study conducted by Elizabeth Sweet, a professor of Anthropology at the University of Massachusetts, Boston, suggested that “higher debt is associated with worse health in a national cohort.” It proved that, “reporting high financial debt relative to available assets is associated with higher perceived stress and depression, worse self-reported general health, and higher diastolic blood pressure.” Sweet’s is only one study of many that link debt to well-being.

You aren’t alone in emotionally struggling with debt. Many are in the same boat as you. Many others feel stressed, depressed, anxious, worried, and worse.

That’s okay. It is normal to have that feeling, but you don’t have to accept it as the end-all. Together, we can tackle this emotional struggle.

By now, you’re probably asking, “But Mr. Nahas, how can I get over these feelings?”

That is a fantastic question. Read on for steps you can take.

Mr. Nahas visits Byblos, Lebanon.
Globetrotting Mr. Nahas visits Byblos, Lebanon. People everywhere experience money probs.

1. Feelings Validation

I want you to know that it’s okay to have feelings about your debt; there’s nothing wrong with it. It’s essential that you know that your feelings are normal, and you shouldn’t feel ashamed. That said, you can’t live in your feelings; you can’t let them get in the way of your goals and overwhelm you to the point where you shutdown.

At the same time, just because you feel anxious doesn’t mean that you should just sit down and do nothing; you need to do the opposite. Instead of saying, “I am feeling stressed. I am ashamed of feeling stressed; I don’t want to do anything,” tell yourself, “I feel stressed, and that is okay. I need to let this stress motivate me to get out of debt.”

You have the biggest asset known to man – your mind. The beautiful thing about your mind is that you can control all of your thoughts and actions. Use your thinking to your advantage; tackle these feelings.

One way to do that is to accept that it’s okay to feel sad, anxious, stressed, etc. Another is to know that you don’t have to continually live with these feelings. Be proactive. What I mean by this is that when you get these feelings, tell youself, “It’s okay,” and then say, “I don’t have to live with this debt; it’s possible to get rid of it, and I will get rid of it.”

Always remind yourself that debt can be managed and that it’s totally possible to get rid of it entirely. Keep affirming to yourself that what you owe doesn’t define you and that it’s only temporary. This journey starts with your attitude and thoughts. Think, and it can be achieved!

Now you might ask, “Mr. Nahas, can I take a run or workout whenever I feel stressed or have these feelings?” Absolutely! Physical exercise can help tremendously with those feelings, but don’t forget to tell yourself what I mentioned above!

Validation: It’s okay to feel the way you feel. Don’t be ashamed. Use your feelings to make you stronger.

2. Acceptance and Realization

You need to accept that you have debt; it may seem trivial, but it’s an important step.

“Mr. Nahas, why would I need to do this?” Good question!

You can’t shy away from this problem; you need to tackle it head-on. It’s not one of those things where you can say, “Out of sight, out of mind.” It’s actually really dangerous to say that because you will then let compound growth take effect and wreak havoc.

To be in control of your debt, you must take control of it. Make a list of all the debts that you have and accept that you have them — and then realize that you don’t have to live with them.

You can pay them off and be free, but it’s going to take some work. It’s totally possible to dig yourself out from them, even if you are at the bottom. There are so many people who have then climbed out; they will tell you it’s hard work, but they will also say that it’s completely possible and worth it.

Mr. Nahas visits a city near Beirut, Lebanon.
Debt can take all the joy out of life. Mr. Nahas admires a beautiful city near Beirut, Lebanon.

3. Be Proactive

Before you move on to this step, you must understand and practice the two previous ones. You need to know it’s okay to have bad feelings about your debt, but you shouldn’t accept that you have to live with them. You need to accept that you have the debt — then realize that it’s possible to pay it off.

But Mr. Nahas, where do I start?” you ask?

It’s important to have financial philosophies you’ll live by. They will help you see what’s important in your life and what isn’t. Once you realize that, you can create a budget and stick to it.

This may be hard for the first couple of months, but sacrifice now is worth living debt-free later. Once you stick to your financial philosophies and budget, you will see progress. Your mood, attitude, and feelings will change for the better. How long it takes to get rid of debt only depends on how much you owe. You got this!

I hope that I was able to help you with the emotional struggles of owing money. It’s totally possible to resolve all your bills; you just need to believe in yourself and master your mind. There will be struggles and days ahead where you feel like you “just can’t” — but you need to be strong and move forward. Keep being proactive.

If you have any questions or need me to clarify something, post a comment and I will reach out to you as soon as I can.

Thank you, friends, for stopping by! Take care and see you soon!

Peace Out,

Mr. Nahas

P.S. Don’t forget to visit my site, where my goal is to help as many people as possible!

What are your tips for feeling happier about your money?

105! Oh my! Happy birthday, Sam Sachs, update with new video by da-AL


Sam Sachs on his 105th birthday! Screenshot from CityTVLakewoodCA video.
Sam Sachs on his 105th birthday! Screenshot from CityTVLakewoodCA video.

Hurray! Sam Sachs’ 105 birthday, which I first posted about here, was a massive success in every way. His birthday last Sunday, was a bit different due to COVID19 (here and here and here and here and here and here are some posts that might cheer you through this crisis). As of that morning, according to the Long Beach Post News, the retired high school teacher and celebrated WWII vet received over 6,200 birthday cards from all over the United States and probably other countries too.

Seventy-six years ago, in nothing but a glider, a.k.a. a “flying coffin,” pulled by an airplane, he landed with other soldiers behind German lines to help liberate a Nazi internment camp! For his bravery, Sachs was recently inducted into the French Legion of Honor.

Lt. Col. Sam Sachs fought in WWII.
Lt. Col. Sam Sachs fought in WWII.

The mayor of where Sachs was born, Grand Forks, North Dakota, proclaimed Sunday in his honor. U.S. President Donald Trump sent a dozen Army National Guard members with a laudatory letter, a photo, and a framed flag.

News coverage came from all over the place, in addition to my own posts and shares. There were so many greetings from Southern California-area politicians, among them Lakewood’s Mayor Todd Rogers. Here’s a full account by Lakewood’s news…

Over the days preceding Sachs’ special day, fancy decorated vehicles, old and new, private and public, paraded past and over his house. That included low riders, collectors, a Los Angeles County fire truck, sheriff’s cars, and a sheriff’s helicopter.

Sachs promises he’ll do his best to be around for us to help him celebrate his 106!

On the day of his birthday, Sachs thanked one and all amid a front-yard filled with hundreds of donated American mini-flags.

“I had no idea what to expect … This is magical.”

Presents from strangers arrived too, such as how one man dropped off $50! Ivonne Meader, the owner of the senior care home, noted that the event offered folks a chance “to be part of something special.”

When’s the last time you mailed kind thoughts to someone? Do it right now to do a good deed, plus support the United States Postal Service. Out of stamps? Set out an envelope marked “U.S. Postmaster” for your carrier (neither postage on it nor a handling fee required) with your check inside with instructions regarding your order — or order online. President Trump wants to do away with the USPS, yet without it we’ll be at the mercy of private companies setting rates and deciding whether small towns and hard to reach places are profitable enough to service…

Vids n easy COVID feelgood: Help celebrate amazing 105-old! by da-AL


“The difficult, we can do immediately. The impossible will take us five minutes longer.” Sam Sachs

Searching for a fun, easy way to feel great amid our sheltering, social distancing, and making sure that we leave our homes wearing face masks? I sure could use one! Doing for others takes us out of ourselves, makes the whole day bright, light, and sweet-smelling. Doing someone a good turn is win-win — great for the giver and lovely for the receiver alike. Here’s what we can all do today for the price a piece of paper, an envelope, and a postage stamp! Please share this with anyone you think might benefit from it too…

No part for Sam Sachs on his 105th -- but we can help!
No party for Sam Sachs on his 105th — but we can help!

Sam Sach’s 105th birthday is April 26, right around the corner with time enough for each of us to get involved.

The caring folks at the senior living home where he resides appreciate him so much that they planned a terrific party for him. Unfortunately, the COVID19 crisis has smashed his bash.

Back when Sam Sach's three sons were very young. Back when Sam Sach’s three sons were very young.

No worries in the case of challenge-expert Sam. He’s giving us a chance to be involved!

Lt. Col. Sam Sachs fought in WWII. Lt. Col. Sam Sachs fought in WWII.
Crossing behind enemy lines, Sam Sachs was prepared to die to help others. Crossing behind enemy lines, Sam Sachs was prepared to die to help others.
Sam Sachs helped liberate Hitler's prisoners. Sam Sachs helped liberate Hitler’s prisoners.

A little about Sam: he was prepared to give his life as an Army Lieutenant Colonel when he helped liberate prisoners of Adolf Hitler’s concentration camps. As both a Jewish man himself and an Army paratrooper member of the 1944 Allied D-Day liberation of Europe from Nazi Germany, he led troops behind enemy lines.

Back home, Sam Sachs taught teenagers and worked to improve California schools. Back home, Sam Sachs taught teenagers and worked to improve California schools.

Later, back to his civilian world, his generous deeds continued when he became a high school teacher of business. He worked inside and outside of classrooms, including with the United Teachers of Los Angeles, to improve education in California.

This photo was from a while ago, but Sam Sachs is still going strong! This photo was from a while ago, but Sam Sachs is still going strong!

This video, produced by the Los Angeles County, Calfornia, city of Lakewood when he turned 102, explains a bit about his extraordinary life…

Where do you and I come in? Here he explains…

That’s right — all he’s asking for is a simple birthday card that each of us mail to him. Cards will be set aside for several days and then opened with gloves to be sure that no COVID germs decide to cling in transit, for Sam’s sake as well as those who care for him.

Here’s where to mail cards to him at the assisted living home he stays at:

Mom and Dad’s House
C/O Lt Col Sam Sachs
4340 Conquista Avenue
Lakewood, California 90713
USA

How many birthday cards will Sam Sachs get? A vintage car has already given him a parade! How many birthday cards will Sam Sachs get? A vintage car organization has already given him a parade!

Here’s the results of how his birthday went! And here and here and here and  and here and here and here are some posts I hope will help you through the crisis.

What are your easy feelgood ways to get through a crisis?

Guest Blog Post: Goodreads Listopia for Book Promotion by Mae Clair


Mystery and suspense author Mae Clair.

Goodreads is sort of like Facebook, only it’s a site for book lovers! How do you find out about good books?

Here mystery and suspense author/reader/blogger Mae Clair explains how book lovers of all sorts can use Goodreads to let others know about their favorite reads…

Story Empire

Hi, SEers! Mae here today with a small promo tactic you may not be using. This one involves some help from your friends, but it’s another avenue to get your work noticed.

Screenshot from Goodreads showing navigation drop down for listsHave you ever searched lists on Goodreads? You’ll find them under the BROWSE drop-down on the main navigation bar (screen shot at left). The link will connect you to Listopia—Goodreads’ home for sorting books by category.

You’ll find plenty of genre lists, along with specific niche lists as well. These are the ones likely to benefit you the most.Screenshot of book covers for several cryptozoology fiction lists on Goodreads Listopia

As an example, I enjoy books featuring creatures from cryptozoology (i.e, Loch Ness, the Mothman, the Van Meter Monster, etc). Fortunately, Listopia has a Crypto Fiction list that allows me to sort through a number of books at once. As a reader, I find GR lists easier and more accurate to use than Amazon, especially when I want to search…

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Guest Blog Post: Equines Empowering Women! By Anne Leueen


Did you know that owning and caring for a horse or a donkey empowers women? Here blogger Anne Leueen fills us in…

HorseAddict

In the developing world two-thirds of the livestock keepers, that is a total of approximately 400 million, are WOMEN

The Brooke, a charity that focuses on working equines,(horses, donkeys and mules) is a major supporter of the women and of their working equines. The Brooke works in Asia, Africa, Latin America and the Middle East reaching over two million working horses donkeys and mules. The Brooke is not a rescue organization but with vets, animal welfare specialists as well as advocacy and development specialists works to improve the lives of working equines and to educate and support their owners.

Photo from Brooke Website

Here is what the Brooke has to say about their work with women.

Owning and caring for equines, alongside earning income from their work, raises women’s social status and recognition in the community. Equines help with household chores, which frees up time for women to participate in…

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Guest Blog Post: Tips for Sleuthing the Past by Margaret Lossi


Who'll your search turn up? Photo thanks to Ryan McGuire of Gratisography.com
Who will your search turn up? Photo thanks to Ryan McGuire of Gratisography.com

Writers and readers alike, for times we’d like to look into our histories, author Margaret Lossi offers tips for how to get started. My two novels are works-in-progresses! Lossi says that when it comes to looking up one’s family background, be prepared for surprises…

M.A. Lossl

The Family Tree

Warning: family history can lead to emotional discoveries.

It may seem counter-intuitive, but you begin at the end! That is, you begin with you.

Check your birth certificate, verify your parents. It may seem like a given, but just sometimes people find they are adopted, or their mum is really their grandma. It pays to check.

Check your parents birth certificates, to verify your grandparents. Then work your way back through the generations, verifying birth certificates.

These first steps build the strong foundation of your family tree, so worth doing well.

It is not a case of how far back you can go, but the quality of your data

You may wish to answer a family question. I knew my parents were second cousins, so wanted to find out about this link. Set yourself a goal to work towards. Whatever your motivation, make sure you verify each…

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Guest Blog Post: My Road to Getting Published by Geoffrey Simpson


The story of how author Geoffrey Simpson, who just released “The Three Hares,” got his first book published — in his own words…

Geoffrey Simpson, author of The Three Hares
Geoffrey Simpson, author of The Three Hares

On a gloomy January morning, the air was heavy and uninspired. I read an article about ancient symbols—a distraction from those about politics, rife with propaganda. One symbol, with three rabbits chasing one another in an infinite circle, struck a chord. A whirlwind flooded my conscience.

Although I’ve never written before, a few story ideas were tucked away for a rainy day. That same morning, I began to plot. That same gloomy day was the beginning of an adventurous journey to becoming an author. 

Three months later, manuscript in hand and an intent to self-publish, an author friend of the family strongly encouraged me to find an editor. I hadn’t planned on investing in this project, but I also never expected to write a novel. 

As an author, I’ve transitioned through two distinct phases. There was pre-Janet, and post-Janet. As you probably assumed, Janet Fix, owner of thewordverve inc., agreed to become my editor, mentor, and inspirer.

With a polished manuscript and newfound confidence, I changed course from self-publishing and sought an agent. A thrilling adventure began, but as the queries went out, the feedback was unanimous. “Unfortunately, I’m not the right agent for this project.” Not a single manuscript request came forth.

Discouraged and circling back toward self-publishing, I spoke to Janet the Inspirer. She, who wasn’t just an editor, was transitioning her business from hybrid to traditional publishing, asked me to join Team Verve.

Twelve months after that gloomy January morning, Janet became my publisher, and there’s no looking back. Today, Janet is editing the sequel to The Three Hares, and I am writing the third installment of this five-book YA adventure/mystery series. It is this partnership/friendship which has made all the difference.

Cover of Geoffrey Simpson's book, The Three Hares

I’ve got two novels I’m writing. What are your experiences with traditional publishing vs. self-publishing?

Guest Blog Post: “My Personal Path to Self-Publishing” by Lisa Kentgen, Ph.D.


When it comes to publishing, deciding which route to take can be a challenge.

For the traditional route, once an author writes a book, they sign on with an agent or publishing house. The author shares a hefty percentage of the sales, in exchange for the agent doing everything involved in getting attention and sales.

A self-publisher keeps all the money — but does everything, including possible hiring of an editor and book designer, buying advertising, etc.

New York City psychologist, Lisa Kentgen, Ph.D., debuted, “An Intentional Life: Five Foundations of Authenticity and Purpose,” June 2018. Here how she went about it…

Cover of, "An Intentional Life" by Lisa Kentgen

Turning down a book contract was a painful decision. My book emphasizes listening to your internal voice. My voice told me I wouldn’t be happy signing a contract that didn’t feel mutual. The morning after making this decision the idea for my next book came to me. I then knew self-publishing was the right path.

Two things were clear. 1) I would create a publishing imprint to house this and future books. 2) I would be intimately part of the process.

Creating a publishing imprint meant establishing an LLC. Its mission is broad enough to cover other professional activities, like public speaking, so that my writing will be an essential part of my professional life.

Photo of author Lisa Kentgen by Todd Estrin Photography
Photo of author Lisa Kentgen by Todd Estrin Photography

There are reputable companies, like Girl Friday Productions, that help authors from concept to final production. I believe they quoted me $16,000. I chose not to go with this sort of company because I had a manuscript that already was far along and, also, it means not taking the lead in creating my team. Establishing my team meant spending hours finding a top quality editor, cover designer, and interior designer.

I was fortunate enough to find a developmental editor who is the vice president of a publishing company. She had me reduce my manuscript by 30%. She told me that while I don’t like telling people what to do (I am a psychologist) – as a writer I needed to be more directive. After a major edit, I hired another editor to polish the final manuscript.

For book design, I chose Reedsy, an online company that has wonderful professionals for hire. Inexpensive cover designs cost around $500. For an experienced, artistic designer it is closer to $1000. My cover designer was so good that I persuaded him to do my interior design which cost about $2000.

I learned the hard way that what makes for a beautiful physical book creates complications for the ebook. (Suggestion: Make a copy of the interior before getting fancy!) Creating the ebook to look like the physical copy proved difficult. I had no way to assess the actual skill level of designers. The first person misrepresented their experience, and I paid $450 for something I couldn’t use. The next person charged $500 and what I wanted took more time than estimated–so we negotiated a higher price.

My experience creating the audiobook with Brickshop Audio in Brooklyn was a pleasure. The audiobook, with production help, costs $250 per finished hour. My 55,000-word book (on ACX) cost $1650.

I recommend my path to authors who enjoy creating a business and who have the time and desire to address countless creative details. It means a lot more work upfront, but having finished products closer to your vision. I am excited to take what I have learned to new ventures!

Quote by Lisa Kentgen: Living with intention you understand that your interests are intimately bound to the well-being of others.

Dear readers, share your experiences below with self-publishing vs. traditional publishing…

Guest Blog Post: Step-by-Step Story Writing Tips by Austin L. Wiggins


Tiny sprouting plant by Ryan McGuire
Photo phabness thanks to Ryan McGuire of Gratisography.com

Planting the seed for the first step can be the hardest — but it can be the start to wonderful things. Fellow blogger Austin L. Wiggins shares his process…

Writings By Ender

Shout out to da-AL at https://happinessbetweentails.com for saying she would like to read a post about my writing process. Please take some time to read her work! It makes me happy to engage with people like da-AL who takes their time to comment on people’s work. And so, if you are so inclined, what kind of writing-, book-, or literature-related post would you like to see on my site? Comment below with your suggestions, and remember to like this post and follow Writings By Ender.


Writing about the process of writing feels strange, and it makes me feel naked in that by writing about it I am revealing parts of myself to you. Should I feel this way? The answer is, hesitantly, yes. The very nature of writing is an act of vulnerability. So, if by talking about my writing process I am exposing myself to you, then I hope…

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Guest Blog Post: How Blog Posts and Articles Can Promote Your Book By Angela


Photo of white lettering in sky
Awesome pic by Ryan McGuire of Gratisography.com

Self-publishing a book? Angela shares her experience…

Review Tales by Jeyran Main

How blog posts and articles can promote your book!

Want to increase readership and book sales, write an article or blog post?

Writing material related to a non-fiction is a no-brainer. Chances are you’re an expert and can easily expand or provoke further discussion on your book’s topic through a blog post or article. But fiction writers have a challenge and need to be creative. Here are some of the areas to explore:

  • Your book’s central theme(s).
  • The main location(s) described.
  • Expand on historical references and the era.
  • Your inspiration for writing the book such as an event or other trigger.
  • Backstory of one of your main characters and if based on a real person.
  • Any unusual practice or method you used to write the book.
  • Bonus material in form of background stories or information.

I was fortunate my last book “Suddenly Single Sylvia” about a newly divorced mature…

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