photo by: Kuncheek from

Getting out of debt is possible and necessary for many, but it isn’t always so simple. The good news is that a debt management program is the way to go. The bad news is that the majority of people don’t have these programs. What you don’t have can change. If you don’t have access to a debt management program, here’s how to do it.

Get to Know Your Debts

Your debts are unique and each one can be a difficult. This is important. How you handle them will determine how much it all turns out to cost. Also, as with anything, you don’t really know…

illustration by pch.vector

Situational Changes (The Good, The Bad & The Neutral)

Bad habits, bad luck, wrong decisions, and many other reasons land us in a state of distress. These incidents normally lead us to what we believed as “end of the world” situations. Yet they are in fact just a situational change that we could not adapt.

Windfalls, jackpots, winning in lotteries or a sudden jump in your commissions — these are also situational change. However, we do not realise they are the same as the negative side of situational change.

Realistically, like the ancient Chinese philosophy concept of Yin Yang, the opposite forces are seen as interconnected and counterbalancing.

Life can be exhilarating, interesting, and challenging. When you encounter a block in your path, allow your resilience to shine through. These strategies can help you draw on your inner strength to live a meaningful, enriched existence, no matter what type of challenge you encounter. Experiencing challenging phases in life can really test your mettle. When you encounter those bumps in the road, how do you react? Are you able to deal effectively with these challenges without going to pieces? Could you use some help in finding your inner strength?

Try these ideas to tap in to your personal reserves…

Photo by Dominika Roseclay from Pexels

It was 2014, laden with bank debts, relationship issues and pretty much at the brink of depression. I quit my insurance job and took a long five months break hiding away from everything. I did not want to face reality, I was reluctant to let go of what’s lost, I was 100% defeated yet refused to admit it.

During that five months, I led a simple lifestyle. I did not hang out with any of my friends and I did not go work. All I did was staying at home, glued to my computer and trying to finish writing the…

Photo credit: Sasint via Pixabay

There are definite dangers associated with depression. It can affect nearly all ages, with some groups and demographics being more susceptible than others (women are more likely to develop depression than men, for example, and teens are said to be more prone to depression than adults). Depression can even be fatal, warn medical professionals; and it’s not just the disorder that poses risks. Medications can also present their own list of risky side effects.

This may be the “ultimate” danger associated with depression — it’s considered by many to be the most extreme manifestation of the disorder. …

Photo credit: Anemone123 via Pixabay

How do you know when you’re just having a hard time and are stressed out, or if it’s something more serious? When is it clinical depression? While a doctor is the only one who can make a qualified diagnosis, there are some signs and symptoms of depression that can signal your need to see a doctor. Here are some of those signs and symptoms.

Many people don’t realize that recent research points to a connection between anger and depression. Blowing up and yelling at people without being able to control it may signify depression.

Slightly different from anger, irritability…

Photo credit: Joshua Earle via

Making mistakes is part our lives thus the phrase “We Learn From Our Mistakes”. We tend to be less forgiving when we are the ones being hurt in the process of the mistakes made especially in betrayals. As a victim, we get thrown into a devastating state and forgiving is the last thing on our minds until the later stage where we cool down and start thinking.

There are many kinds of mistakes we made or be making throughout our lifetime but that should not create a reason for you to stop trying to make things right. Mistakes are made…

Photo credit: 5688709 (

Valentine’s Day is just round the corner and many of us, especially guys will start fretting what to buy for our partners or how to make that day special for them. Girls too will start to worry what to get for the guys because technically speaking, guy’s gift are more difficult to find than a girl’s. You cannot simply just buy a bowtie, shirt or watch as they are simply a standard gift guys usually get. Try harder…

Here are some ideas where you can adopt for this Valentine’s Day.

For The Guys

  1. Instead of buying extremely expensive roses, try making them yourself with those DIY roses. …

Photo credit: leninscape (

We are constantly shaken with catastrophic events, whether it is a major event such as terrorist attacks in a peaceful city or small incidents that affect our mood. At least in our context, when bad things happened to our lives, it’s bad and affects us a great deal.

The important part in our lives is to constantly stay positive and here are 6 ways to do so.

  1. Yield To Your Own Defeat
    This does not mean you give up hope, you just need to accept that you were defeated by your own inability to manage the situation during that point of…

Photo credit: congerdesign (

Relationships come in many forms and no one can really define how it can actually starts. Articles after articles teach us what to do to ensure a higher chance of getting into the relationship of the person you like or have a crush on. Lucky ones will be able to get it without much effort while some will struggle to even get the attention of the other party. And once we are in the relationship, the spark might die off pretty quickly and we move on while some will be a lifelong bond till old age.

Most of the long…

Dino KF Wong

Debt Support & Servicing Solution Provider | Self Help Consultant | Contributor at Mind Fighters Publication

Get the Medium app

A button that says 'Download on the App Store', and if clicked it will lead you to the iOS App store
A button that says 'Get it on, Google Play', and if clicked it will lead you to the Google Play store