A confession …
2011 did not turn out the way I thought it would.
In fact, for part of the year, I was frustrated, irritated, and emotionally drained.
Let me give you an example….
I put my heart and soul into a program called “Never Be Stuck.” I was ECSTATIC about rolling this out.
We thought that we would have at least 200 people register.
23 people signed up …
11.5% of my goal.
That is not just an F … It’s an F-. If there were a worse grade, it would be a G.
Let’s see…
Here are a few other non-accomplishments …
1) I lost a few good friends who let me down.
2) My wife and I had more than our fair share of arguments.
3) My kids had some discipline issues that made me wonder whether I’m raising them the right way.
I’m telling you this for a couple of reasons …
First, I want to keep it real. Every year at this time, I take an honest assessment of my life and fully disclose where I am.
Second, I think that non-accomplishments are just as important as accomplishments. In the past, a lot of my failures have led to personal growth and development.
You see, I don’t believe that motivation comes for the hype.
I believe that motivation comes from hearing that other people are having problems too, and then seeing them work past their non-accomplishments and turn them into achievements.
As I look back on all the bad things that have happened in my life, I know that every time something bad happened, there was something that could be learned from it …
And when we learn from our failures or problems, we can turn the lemon into lemonade.
What if you turned your poor credit score into a gift?
What if your bankruptcy or foreclosure was a gift?
Let’s face it: You don’t want a better credit score. You want a better life.
So what if you could find a way to make your poor credit score the catalyst for a ton of growth and development?
Let’s figure out how to get there …
Thoughts?
Px
P.S. I will read every single comment, so post away!
Tyrone,
Thanks for sharing your mishaps. It happens to the best of us. Trust me, what you have to offer is making a great impact. I plugged my laptop into the tv and watched the iEffect webinar. I also printed out the free document. People pick it up and are interested (matter I need to read it again myself to get re-motivated).
It’s been one of those years, financial slaps in the face, those uncomfortable disagreements with the spouse, trying to keeps your kids on the straight path (even when one may appear to veer off and deviate), etc. Look, the ecomony isn’t helping and many American citizens are having it rough right now. Let’s just keep it moving. I’m sure a lot of goals weren’t met as hectic as it is today in the world. However, as long on the word “Hope” is in the dictionary,things WILL get better. There are people (like yourself) talking real and making sense to help others who need that positive commucation. In closing, for all those who find themselves caught between a rock and a hard place, remember…”This too shall pass.”
Truth Clark
USAF Retired
You are right Phil, we never wanted or planned to have poor credit, but because of the desire for a better life and starting our own business, and taking some risks, that is where we are right now. If not for that, we would have just been where we always were, and had what we always had with no hope of anything better. So, even though our credit needs some work (and you have given us the tools to work on it–which we NEVER would have even tried to understand before) we have HOPE for the future and improving our situation imensely !!! Thanks for the work you do and thanks for being “real” ! It truly is inspiring !!!
Gay – thanks for your comments. With an attitude like that, 2012 is your big year.
My 2009 thru 2010 didn’t go as planned. It’s just another financial sob story. I lost my dad (my business partner), nearly lost the biz, had Uncle Sam agent in my office, lost my home, the wife’s dream car, tried Ch.13, then converted to Ch.7. All in the past 2 years. Did I learn from all of it? You bet your ass I did! I learned that I’d rather make life happen, rather than wait for life to happen to me. I learned that it’s not about how hard you get hit and knocked down, but how many times you get back up. Here we are at 2011’s end, and the biz is up 38% over 2010. And now I have your powerful 720Credit tool that’s gonna help me achieve all I’ve set my eyes on. Thanks for all your work, PT! May you experience all the dreams you’ve ever had!
James – your passion and commitment come through. 2012 is your year!
My goal for 2011 was to try to avoid foreclosure by selling my house through a short-sale but either my attorney or the bank left things fall through the crack and now I headed for foreclosure. Any words of wisdom before I bite that bullet? Anything would help. Thanks!
Nay
Nay –
1) Write a list of all the things you learned from the experience.
2) Write a list of your emotions and how you feel. Don’t try to change them, just be with them.
3) Ask yourself, how will your life change without this house?
If you want, post your answers here.
I purchased your credit course and enjoyed the lessons.
I find you need to learn lessons from all of lifes events successes and especially failures.
I have a goal of reaching an 800 beacon last check was 785
You mentioned obtaining personal credit reports with scores are useless because they are not accurate is this true in Canada also?
Paul – for Canadians, just make sure you pull your Beacon score, and you will be set.
Hi,
I have ALOT of things to look over on the past year, learned alot of valuable lessons, and because of it closed the door on some painful past issues. I’m so done with 2011 and ready to make better choices for 2012. I’m ready to stop making excuses and start taking ACTION and holding myself accountable.I spent much of 2011 in defensive mode, which meant alot of excuses, putting out fires that others caused. I AM making plans now for my ACTION PLAN FOR SUCCESS.Better FOCUS is top on the list. No excuses is also there. The last few months we’ve made significant changes to turn things to a better direction. When you learn better you can choose to do better.
Wishing all of you a happy prosperous 2012!
Back at you!
Two years ago I broke my neck @ work due to much red tape I received no L&I or unemployement. Obviously my fianances were in the toilet and my Christmas present to myself and my family is filing bankruptcy. As a single parent I must teach them how to save not only work. And I’d like to that you for helping me with that. I have cheated death many times and am always very hopeful about tomorrow. Thank you for giving an added hope for our financial future. No matter the weather, for me, every tomorrow is a blessed one. May you and yours be blessed and well. Jacq. M.
Great attitude Jacq.
px
Hi Philip,
Every next level of growth means a greater stretch of character. Can we love our partners when we can’t seem to articulate how we feel or get the response we need? Can we love our children when they behave contrary to how we have tried to raise them? Can we continue to teach to a group of 20 as hard and strong as we would if we had a crowd of 200 remembering that there were only 12 disciples but the message continues to reach untold numbers to date? The race of life is about endurance so make the arguments useful, remember that kids should make mistakes, and be thankful that 20 people had the courage to try to grow.
Well said Vanessa. Thanks for sharing.
Hello Philip….just read your email. I don’t comment on your messages, however this one I must submit to tell you that I love you and I know your greatest success is being a wonderful son to dad and I. Thanks for taking time today to listen and for your help with the Boat Parade Party last night! Oh yes…don’t doubt your parenting skills…my grandchildren are the best…Love is the greatest and last night when you took guests on the boat…Ava waited at the dock for her daddy! As for your wife….she tells me she is one blessed lady!
Thank you son for being someone I can always depend on!!!
Love Mom
Mom – you are the best, there is no way I would be who I am without your example. Love you.
I have faced my share of failures this year as well Phil, you are not alone. Thanks for your honesty. I have a house on foreclosure because I use my credit to purchase it for a friend. This has led to my lowe credit score and has left me with no credit.So like you I have lost a friend. I have also purchased a few real estate programs to learn how to become a successful real estate investor and this has failed too. I am scare to trust people whether online or in person. I am bombarded by people who try to sell me get rich programs and I hate their dishonesty. I think one of my new years resolution is
Belinda – I feel you. This year after experiencing first hand the first hand actions of some of these “Internet Marketing Greats,” I lost a lot of my trust and appreciation for what they do. That being said, they are on their path, and in the end, “carma sucks.”
A couple thoughts:
1) My Dad use to tell me, “It’s better to trust 9 and get burned once, than never to trust at all.” After being burned A TON, and being SCAMMED plenty of times, I believe this to be true.
So many of my blessings right now are because people know they can trust me… they feel it. Don’t lose that special part of your soul, as people will feel it, and interact with you differently.
The “scammers” may win in the short term, but the short term will pass so fast.
2) Make a list of all the lessons you have learned over the past year…. and look at it this way. How can these lessons catapult me into a position in life that I truly desire.
Would love your thoughts and insight.
px
It is nice to hear a marketer be so honest. And I do believe we learn so much from what we accomplish as by what we don’t accomplish. It really is the journey and not the destination. I also have disappointments from 2011. The lessons I have learned are huge and I wouldn’t change them for the world.
Patti – Tell us your biggest loss that turned into a victory. All the readers would love to hear it.
Hi Philip, I purchased your 7 Steps to the 720. And I get your emails. Even though I get your emails, I’m not sure I know what “Never Get Stuck” is. Somehow I missed the boat.
But maybe that’s good news for you and your honesty will somehow get you the feedback you need to continue and refine your message to get more sign ups. Feel free to contact me directly if I can be of any assistance to you.
Cheers,
Ralph Cavallaro
Thanks Ralph – Let me be clear. In NO UNCERTAIN term… the fact that “Never Be Stuck” failed, was one of the best things that happened to me. So many opportunities have opened up for me, and I’ll continue to update you here.
Thanks for reaching out and your caring concern.
Keep me posted on your progess.
Thanks for your honesty. I truly believe that learning from our mistakes and the “down” times is essential. Looking at less than perfect situations as blessings and not curses can lead to turnarounds in our lives.
Philip,
Somehow I placed you in the larger than life category of folks that always achieve their goals. I appreciate your honesty! You are frank and open in your self evaluation. This only confirms that we are all human. This post only makes me more aggressively assess myself and where I am at the end of 2011. It will also make me more cognizant of concentrating on my goals for 2012. THANK YOU!
Darren – you are welcome.
This year I have had the opportunity to be around some great people that have had HUGE success in life (Harvey Mackay – (one of the all time NY Times best-selling authors, Dave Winfield- MLB Hall of Famer, and the like)… and I can tell you, the people that are all HYPE, HYPE, HYPE… most of the time are FAKE, FAKE, FAKE.
I really noticed this when I was in the mortgage business, and I saw my borrowers that drover Ferrari’s didn’t have enough money for the down payment on the house they wanted.
That is when I learned… it’s the people who are honest, and share their weaknesses are the people that can tie together win after win, decade after decade.
This year, let this be our year of vulnerability, and if we do, it will be our best year ever!
I am so far in debt I have given up . Lowered my expectations, What else is left? No money No work.Sorry I feel hopeless.2011 was no different then any other year, Lots of dreams, blessed with good health and NO MONEY.But who wants to read this comment, people want good hopeful news. Bah Humbug.
Mike, I’m glad you posted it. Did you hear my interview? It’s designed for people that have over $20K in credit card debt.
Here is link: http://www.philiptirone.com/blog/information-interview-call-with-debt-negotiator-2/
Also – don’t beat yourself up for being down. It happens to everyone, the power is in the questioning, not necessarily trying to change it instantly.
1) How do you feel right now? Be with it. Yes, I said, be with it, don’t try to change it.
The more you can discern and understand your feelings, the more you will be able to use your feelings as a road map, as opposed to a booby trap.
Try it out…
Let’s face it. There are two types of “credit scores”…personal and business. One can feed the other however we would all be best served by finding ways to quickly find the business credit to escape the day to day rat race of “jobless America” by creating our own job on the path to freedom. Business credit can do that faster than personal credit in a lot of cases. Some say “Money doesn’t buy everything”. I say that’s a bunch of bullshit. Just try going to the grocery store or asking that hot girl out for a date with no cash. See how far that gets ya. In this country money buys everything except poverty. Let’s get the business credit going for 2012. That will solve a lot of “problems”.
Phil, I’ve had my share of ups & downs just like everyone but this year has been a breakthrough for me both personally and professionally. I’ve been transitioning from Real Estate into brokering commodities and technology and through this I have become a better husband, a better student and a better leader. I’ve had many failures this year but the pivot point for me was understanding that the only way to success is through failure. I started with a group of millionaires, surrounded myself with them and started copying what they were doing. Then I totally immersed myself in personal growth and development. If repetition is the mother of skill and preparation is the blueprint to achievement, then 2012 will be a watershed year for me & my team. I’ve always admired your tenacity and entrepreneurial spirit. I’d be open to having a frank conversation about your goals for 2012. My partner was a mortgage banker with GE Capital for 15 years (top 5% nationwide in 04, 05, 06 & 07). I would love to introduce you to him. Thanks for your post, you have inspired me for a long time now and continue to impress me. Aim high, shoot high. Measure, adjust and repeat. (the key is in the adjustment & repetition) – with gratitude, Adam.
Great outlook, yes problems happen, but coping and figuring out solutions is much better way to live,
Sorry to hear about your disappointments, Mr. Tyrone. Sometimes our plans just don’t work out. There’s this thing called Life that seems to always get in the way of our plans.
Sometimes, as our gears are turning, other people’s gears are also turning, and the world doesn’t always run with the precision of a Swiss watch.
Earlier, this year, my finances were neglected and my credit score was simply allowed to drift, as I was of the opinion that credit scores were determined by some secret, complex formula, beyond the control of mere mortals.
Listening to your audiobook “7 Steps to a 720 Credit Score” woke me up and provided the motivation I needed to finally take control of the situation
The first thing I did after listening to your audiobook, was to apply for three secured credit cards.
Even though it was a small step, just knowing I would never again have to turn to the payday loan store or pawn shop in an emergency, has provided me with tremendous peace of mind and a feeling of security. In a very short amount of time, my credit score has improved dramatically, which in turn, has motivated me to grab control of several other issues in my life.
I have no way of knowing what issues I will be forced to deal with in the coming year, but having at least some sense of control and security, allows me to feel optimistic about my ability to deal with both the challenges and opportunities which lie ahead.
Because of you, my life has improved and I have a renewed sense of hope for the future. And though this past year has thrown you some challenges, I have no doubt that you will emerge stronger and even more determined to make the coming year, one of your best. Keep up your good work, and know that you are indeed making a big difference!!
Thanks Steven – Thanks for sharing. Know this, I wouldn’t change anything that has happened to me this year.
It was all part to getting me to where I am right now, and right now, I’m excited!
Thanks for your post.
Hi Philip,
I just want to thank you for the great work that you do
It really makes a difference. When I was on your free
Webinar I knew I could raise my credit score. I will
purchase your program, I’m just waiting to have the extra
money to get 3 secured credit cards. My credit score is
640 and I don’t think I can get regular credit cards. I
had a bankrupcy 5 years ago so I think that’s probably why
I have to start with secured cards.
Thanks again.
Susan
Keep me posted on your progress.
here is a line that always gets the your customers attention,
“your landlord is very happy with you, you are making his dream come true by you paying his retirement plan in stead of your own.”
You want to see the customer take action, make them realize that this is happening, they are paying someones else retirement by having a poor credit score. But on the other hand, with a poor credit score you have much less chance of Identity theft. ( lemons into lemonade)Ha-Ha-ha
I agree, 2011 did not turn out the way I thought it would either. In May, I was riffed (reduction in force) along with 32 other excellent people because our government cannot budget…….anything! I’ve had to re-invent myself for the 5th time in the last 10 years.
Money and power(control) are the way of this world. Cannot seem to find folks willing to grow together. However, some sights like yours continually offer a glimpse of potential for good. I’ll keep reading and re-inventing.
Jim – Reinvest in yourself… that will be your best bet.
My 2011 has not been bad, there’ve been a few lessons picked up along the way. There’s a comment that sadly reminds me of my ex-husband. His philosophy about blame was that it was never his fault. He typically pointed all five fingers in the direction of who he was blaming. Responsibility is often more difficult than blame. I take responsibility for the fact that when I was in my early twenties (and very naive) I allowed my dad to use my credit after he wrecked his. Now, some 15+ years later, I am paying for that mistake. My life is good, but it could be better if I could get the collection off my credit – and the black mark that goes with it in this economy.
But on a happier note – two weeks ago I logged final payments on two of my small debts and paid them in full!
Merry Christmas, Happy Hanukkah, Happy Kwanzaa to all who celebrate!
Danielle – I couldn’t agree more, power comes from taking responsibility. That is when you learn.
Think about how much you have learned because of that one mistake? Because you have learned that early on, don’t you think your life will be so much different for the next 50 years? If you could, would you change it and not have this learning lesson.
Would love to hear your thoughts.
Just a few thoughts, if everyone would take 100% responsibility for everything in their lives, the world would be a better place. Too many people blaim others for their problems. Just remember when your pointing a finger at someone else, you have three fingers pointing back at you.
It is highly unusual for me to post anything about anyone. For some reason I felt I should. Helping people restore their credit is very important.
After losing some money I finally realized that everyone who emails me wants to sell me something. I am a retired physician and have faced the fact that the same code of honor does not exist on the web. As a result it is very difficult to sell me anything.
I thought your approach was good in as much as you came off genuine and concerned for helping restore credit.
However your price was completely absurd. These are people that are struggling and you are using their tragic life to make money. Not good.
A reasonable monthly plan, step by step, in which they buy the next move could be stretched out for a year with perks, encouragements, telethons with success stories and how tos, and so on.
One of the most important aspects is to protect your customers from some of the most devilish scams that are prevalent on the web. My husband and I are both physicians and we almost went along with one of them promoted by our own accouontant. Imagine what can happen to unsuspecting individuals
Everyone who emails me gets an automatic message. ” Free trial. As soon as I make the money you promise, I will pay double your fee”. So far no takers.
Credit is an important issue nowadays. When you have a reasonable plan let me know and I will endorse it, but you must be honest, upfront and keep the needs of your customers above your own!
Thanks Constance….
Have you listened to our free webinar?
What do you feel would be a fair price?
Do you know what my program includes.
Would LOVE to hear from you.
px
I am delighted to hear about your problems! Finally, someone who boldly steps forward and talks about the crap that happened. So few do that. I personally believe that it’s powerful. I feel that we grow from hearing about each other’s mistakes and how they solved their problem or what happened after. 2011 was a very tough year for me all the way around. But here’s what I learned. There’s a solution no matter what the problem. Here is a very little example: I was late paying a gas credit card. Got socked with a fee. The people in the US told me that they couldn’t reverse the fee. Liars. On a Saturday, I called “India”. I got the fee reversed, had the payment show that it was paid on time, got the finance charge reduced. Or my dogs needed shots and licenses. Rather than pay high vet fees, I went to the County and paid 1/4 of what it would have cost. I have ridiculous health insurance so I get my blood, Cholestrol and BP checked at a major store for $6 per test. I could on and on. But you get the idea. There are solutions — always. Only they come in different packages. That’s the point. Look for different wrapping paper. Merry Christmas.
Great share… the question is this:
What did you learn from these “failures” that will propel you to exactly where you want to be in 2012?
As my coach, Tim Wood would tell me, “In losing, don’t lose the lesson.”
hey i need help see I get the deep stuf i dont get commensense how do you help me.
Talk about not meeting expectation in 2011! I have not met my expectations. In 2010 I cashed in my minute pension with visions of starting a business. I was so excited and eager to get started. I ran into problems with getting my credit score and to date have not been able to get it. Then I decided to build an e-commerce business through a well known company, putting full trust in what they told me. I ran into a problem with securing distributers and wholesalers. I finally secured a wholesaler and could not get the products downloaded into my website. The company’s customer service proved useless. I then googled the company and found out that many people charge them with fraud. I was devastated. Okay chalk that up to naievaty and press on. I’m interested in a few things so I start looking to another interest to make money and have fun. All the while I can’t secure my credit report or score. In the meantime I needed to generate at least $10,000.00 by July, it didn’t happen. I defaulted on two loans which I’m sure didn’t help my credit report or score. I worked out a plan to repay them and started educating myself on the new venture. I plan to have a break through in 2012! Thanks for the opportunity to share!
Thanks Charlene… here is the question to answer: What did you learn from these experiences that that you can leverage into a successful 2012?
In losing, don’t lose the lesson, as my coach Tim Wood always told me.
What a great perspective! When we had to declare bankruptcy and lost our house in forclosure after 11 years of putting evertyhing we had into home improvements I was devastated. I was ashamed by my inability to fulfill my obligations and bitter that the business I had started with such high hopes was still struggling after 6 years. BUT, I was blessed that my in-laws, who took us in, lived in the same town, so that my children did not have to change schools. And now I am putting money away into an account to use for a down-payment on a mortgage and working toward re-building my credit so that when the time is right we can get back into our own house and not pay a fortune in finance fees. Thank you for your great course and books!
Thanks