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?

Guest Blog Post: Self-Publishing by Mark Bierman


Human trafficking occurs in every country, including Canada and the U.S. In light of this, Ontario novelist/blogger Mark Bierman dedicates 50% of profits from his book, “Vanished,” to organizations that help victims of this terrible crime. He first guest posted on Happiness Between Tails here. Read on for what he’s learned about self-publishing…

Novelist/blogger Mark Bierman.

“Self-Publishing” by Mark Bierman

It’s 5a.m. as I climb out of bed and begin to brew the cognition ignition potion, or coffee if you wish to go by its scientific classification. The percolation underway, I pad off to my writer’s den, or the “spare bedroom,” as some in this house call it. The computer is poked awake and generates particles of light that spread across the mahogany desk until they reach the ‘bills to pay’ file box. A tiny shadow figure climbs into the box, and peers malevolently up at me.

“Karl Jackson, if you wish to pay my bills, that’s fine, just be sure to hop back into the story when you’re done.”

If anyone can afford to liberate us from debt, it’s the villainous King of the Klondike. I keep my voice calm to hide my concern. Oh, he goes on these forays almost daily but has never before managed to enter our world until the file marked, ‘trimmedprodigalson,’ has been opened. Hmmm . . . I must look into upgrading the firewall. The filename is not the title for the new book but rather denotes the concept. The ‘trimmed’ portion is the result of my cantankerous nitpicking of the original manuscript. I can’t speak for every author, but for me, a book is never really finished. I’ve yet to reread my first novel, Vanished, for sanity’s sake.

It’s a Wednesday, and I’m off from my survival job as a Correctional Officer. That means I have a full two hours of novel writing before the rest of the house is awake and the nineteenth-century morphs back into the twenty-first. When the clock chimes seven, my role as an author ceases, and I put my parenting hat on. There are kids to feed and drive to school, after that, chores, a workout, and whatever else the day brings. I try to squeeze in marketing between it all and combine it with other tasks. Instagram is often dealt with while riding the stationary bike, what else am I going to do, count the tiles in the basement ceiling? Twitter, best posted on between the hours of nine am to three pm, can be done at lunch, Facebook too. I’m careful not to crow about myself, too often. The rule of thumb is to focus 80% on others and 20% on yourself. So far, that formula has worked well for me.

Photo by Sasin Tipchai for Pixabay. (Side note: see this for how even this great photog was robbed.)
Blogs are the hardest and most time-consuming. I commit the sin of failing to post regularly, I know better. To truly grow your audience, you need to be consistent. Many bloggers post daily and have themed days. It’s something I’m working on, but time is not my ally here.

So, how did this all begin? How did someone in my profession decide to become an Indie Author? To tell you the truth, my job is precisely the reason. The pay is great, and with twenty years in, I have plenty of vacation days and a pension at the end of it all. Sounds great, right? Well, those perks come at a cost. The toll on your mental health can be overwhelming. Five years ago, I decided to find a positive outlet for my creative side, a place to share and bond with people who are focused on a dream and appreciate the work you do. The one positive thing I will say about my years in law enforcement is my vast collection of story and character fodder. Oh yes, there’s plenty of that in the good old Big House.

So why Indie? Are you not good enough to find a publisher? The truth is, I tried, but only twice. I waited six months to be rejected by both. I’m too impatient for that. Plus, I’ve heard stories of publishers changing parts of storylines or characters, nope, I wanted to control my own material. Of course, this may not apply to all publishers. Please don’t get me wrong, if you wish to pursue the traditional route, go for it! It’s a personal choice.

Photo by S. Hermann & F. Richter for Pixabay.

Whichever path you choose, I highly recommend using Beta-Readers and professional proofreaders. No one wants to get those Amazon Reviews that call in to question the author’s level of grammar comprehension. Some of the best reads I’ve come across are Indie, others, not so much. However, I can say the same about traditionally published works. Remember, tastes vary, and some will cry for more chocolate while others prefer vanilla. Don’t expect a romance junkie to read your thriller through the same lens. You can’t write for everyone, find your niche, and build your fan base.

One last thing, before I go, find your ‘people.’ By that, I mean your support crew. Be it fellow authors, bloggers, reviewers, those in the industry, and in the know. They will help you become a better writer, offer constructive criticism, encourage and open doors for you.

I love this gig but writing and marketing a novel is a herculean task. This may sound silly, but I liken it to pushing a giant boulder that resembles a half-moon. The flat side remains motionless until heaved onto the rounded side. There may be a brief reprieve as you watch it roll for a short distance, but then it lands on the flat side again. If you leave the stone too long, moss grows on it. Yes, you can keep hoisting that stone in solo fashion, hoping that the flatness wears into a curve, but you’ll probably end up overworked and discouraged. Wouldn’t it be nice to have loyal and encouraging people to help keep that sucker moving? You will, of course, do likewise for them. I’ve been fortunate to find such a community. This includes da-AL and the members of Rave Reviews Book Club. Rave Reviews, founded by author Nonnie Jules, is an online community of both Indie and Traditionally Published writers, of all genres, all walks of life, and from around the world. I’ve been part of this family, because that’s what it feels like to me, for several years.

I found them by accident one day, as I was searching for more book clubs to join. I had been a member of several at this point, but something drew me to Rave Reviews, they are genuine and committed to helping. Currently, it is the only book club I’m involved with. They have helped me grow as a writer. Yes, there is an expectation of paying it forward. While that does take you away from your own project for a brief time, just remember, others are doing the same for you.

The cost to join is only thirty-five dollars (U.S) per year. There is a catalogue that includes books written by members. Everyone is encouraged to pitch in and do their best to support their fellow members by answering questions about writing, providing feedback about works in progress (Beta Reading), as well as advice and support on social media platforms. They have great programs such as, ‘Books of the Month,’ which feature member’s and their works, podcasts that allow a member to discuss their work, and even emotional support. I’ve personally been a ‘Book of the Month’ author and have also been featured on several podcasts. I once had a question about a book I was working on, whether or not to publish it as a series or as a single book. The problem was I had too much story for a single book, but not enough for a third. I was unsure and posed the concern to the group. Within a half-hour, I received advice that two-book series are acceptable. What a relief!

I highly recommend joining. You can find out more about Rave Reviews here.

Thank you, da-AL, for having me as a guest on your wonderful blog! I also want to thank you, the reader, for taking the time to visit this post. I wish you all the best in your writing career, or whatever you choose to do in life. Follow your passions, and take heart that setbacks are usually temporary and often the greatest teachers. Now if you’ll please excuse me, Karl Jackson is drinking my coffee and using my tablet to play Minecraft. It’s time to write him home.

Find out more about Mark and his writing at his website here and his blog here.

What’s your publishing game-plan?

Guest Blog Post: Best novel writing secret ever! by Bryan J. Fagan


Have you written — or tried to — write a novel? Take if from my experience as a soon-to-be self-published author, epic internal persistence is needed to take on the adventure that has no guarantee of success.

A native of Washington, Bryan J. Fagan blogs from Oregon. He just released a romantic comedy, “Dempsey’s Grill,” and is hard at work on a second book. Here’s his time-tested advice for completing a novel…

“The Secret to Writing a Novel” by Bryan J. Fagan

I was trying to think of a subject to write about for Happiness Between Tails. I always have something brewing in this head of mine. Believe me, there’s a lot of stuff up there. But there was one thing that kept rising to the surface that just wouldn’t go away, and it had to do with quitting.

Or I should say – not (yes — n-o-t) quitting!

For those of us who set out to write a novel, we always have a handful of ideas. Sometimes we pick one and quickly discard it. Other times we pick two and combine them. Unfortunately for many of us, the novel fizzles.

It usually comes around the halfway mark of draft one. We’ve created far too many characters, or the plot is weak, or we’re bored. So we put the story away, we forgot about it, and we promised ourselves that someday we’ll try again. But for some of us, that day will never come.

Would you like to know the secret to writing a novel? Resist the urge to quit!

When I wrote “Dempsey’s Grill,” I can’t tell you the number of times I wanted to walk away. There were plot holes, plot changes, and subplots that were ridiculous. But I knew I had something. I also knew I owed it to the people I created to tell their story.

Writing a novel is hard, really hard. But walking away is easy and who wants easy when doing something hard is much more fun.

All of us who have published our work has had to fight the urge to quit. But we knew better. We knew that in time the story would open up, the characters would come alive, and that in time, these people that we created would be telling the story instead of us.

Writing “Dempsey’s Grill” was one of the hardest things I ever did. It is also one of the most rewarding. So fight off the urge to quit and write your book. You owe it to those amazing people you created.

What do you do when you feel like giving up on your dream?…

Guest Blog Post: The Reinvention of Lee Gale Gruen


Think it’s too late to write a memoir or to take on a new career? Actress/author/blogger/lecturer Lee Gale Gruen describes how, since she retired, she’s reinvented herself many times over…

Self-reinventor Lee Gale Gruen

When I retired from my 37-year career as a probation officer, and I found myself with nothing meaningful in my life and decades looming. I mistakenly enrolled in an acting class at a senior citizens’ program, thinking it was a play discussion group. When I was forced to perform in a scene in front of the class, my lifelong stage fright kicked in. However, my shaky voice strengthened as I became completely immersed in my character, unaware of the sea of eyes watching and judging me. What a high! I became hooked on acting.

After my mother died, my outgoing, charismatic father, Marvin, became depressed and withdrawn. “Come with me to my acting class, Daddy” I blurted out to cheer him up. After some convincing, he agreed.

Midway through the class, the teacher called on Marvin to perform an improv with another class member. He really hammed it up and later asked me, “So, when are you picking me up for our next class?”

That started us on a magical journey attending the class together for three years, bonding more than ever. I wrote the humorous Dad/Daughter scenes we performed in the class showcase every six months.  The audience members loved us; Marvin loved the attention; and I loved acting and making him happy. All six scenes are included in the book.

I transitioned into the world of professional acting.  As my fledgling second career started going uphill, my father’s health started going downhill.  I shared all my new acting experiences with him at the nursing home where he resided in his final years.

My book (available on Amazon.com) is an inspirational father/daughter bonding story with a twist: both of us were seniors at the time.

For more about Lee Gale Gruen and her book…

Email:  gowergulch@yahoo.com

Acting website:  LeeGaleGruen.com

Book website:  AdventuresWithDadTheBook.com

Public speaking video:  http://www.youtube.com/watch?v=_cen-dN6SUU&feature=youtu.be

Author interview video:  youtube.com/watch?v=FIUm9e7NRKc

Blog: Reinventing Myself in My Retirement:  LeeGaleGruen.Wordpress.com

Guest Blog Post: Antique and Vintage Photos by Val Erde


Val Erde’s sensitive and artful photo coloring truly brings history to life. Based in the U.K., she kindly contributes this for you to see…

Dog in garden before and after. Photo coloring by Val Erde

In my blog I show the colouring work I do on my collection of antique and vintage photos. I’ve been an artist all my life and have been doing these photos since I had my first pc and graphics program. I usually colour photos of people, though I have a few that include dogs and cats, but this is the first in a long while that I’ve done just of a dog. I hadn’t intended to colour it, but well… look at it. Wasn’t it barking calling out for colour? Or, more likely, food.

“Please give me a treat. Anything will do, really. Maybe something you’re eating? I like your food. I like everyone’s food.”

I haven’t a dog so have to rely on photos for colour references and as I don’t know what breed it is, I’m not sure I got this one right. I suspect it’s a bit of lots of different things. Well, doggy things, anyway.

So… any ideas what sort of dog it is? And – the dog aside, can you by any chance identify the flowers to the right? The ones on the left are roses, that I know, but the rest – what the heck are they? To me the blossoms look like Cosmos, but the leaves are wrong. Anyway, to be safe, I coloured the innards yellow and the outtards (yes, I know) varying shades of pink. But they could be anything really.

There’s more to do on this photo but I decided to call it a day. Well, actually, I’ve called it a dog.

Do come and visit me at my blog, Colouring The Past.

My thanks to Da-AL for inviting me to guest blog!

Guest Blog Post: “Whisper: I Slept With My Bully” by Kally


Photo of a woman on a bed, her back to us

This tragic story, retold by blogger Kally, is all the sadder because the young woman to whom it happened blames herself for what isn’t her fault. To heal, she bravely recounts it to us so that the same thing doesn’t happen to others…

MiddleMe

love your column Whisper and I hope by sharing my story, perhaps some young girl out there will learn from my mistakes and maybe save herself from evil.

View original post 1,188 more words

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…

View original post 562 more words

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: Six Warm Piglets by Cecilia Mary Gunther


photo of piglets feeding

Warning: reality check, then Cuteness Overload! It’s not for nothing that the human star of the glorious pig movie, “Babe,” went vegetarian…

thekitchensgarden

If you were hanging out in the Kitchen’s Garden Lounge of Comments yesterday you would have read that a piglet was lost in that first cold night.  I found him dead on Poppy’s side of their quarters.  Being the Lady Pig Farmer is not always easy. All our focus these first few days is keeping the babies safe and well fed. This task feels mutually exclusive at times.

View original post 811 more words

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…

View original post 248 more words