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!
Hi Phillip
First of all you are not a failure. You have helped sooo many like my self. When Sears put my payment on the wrong credit card, because of you, I learned you don’t just set back and trust the creditor to do what they say they will do, get it in writing.
I really wanted to go to a seminar when I broke my leg and it was impossible to do so. When I went from a cast to my boot I still could not go to the seminar because I could not drive. However this time I was able to do some yard work for my family and made enough money to buy a bus pass.
I took the bus 14 miles to catch another bus to take me another mile in a half. I could not find the bus stop so with a wheelchair like a walker and wheeling myself if my leg started to hurt I did not give up. I never never found the bus stop so I ended up walking that mile and a half. (I was not going to allow a missing bus stop to stop me.) To find that there were stairs I had to get up just to go in the Hotel. Finally I found a ramp I could wheel my chair up. But when I got to the seminar I had to go down a flight of stairs as they did not have an elevator.
So the front desk took my wheelchair and put it in the office and I hobbled down the stairs and got a seat in the second row. If I can make it to a seminar I wanted to go to, you can have that class with 200 people it just might take time.
I did not get to enroll into the class I wanted because without a job I am not going to put anything on my credit card or go over 30% of the balance so I am now waiting on God’s timing. One day I will have the money I need to get in to the academy that was presented to us at the seminar and I will do it I just don’t know how I will get there yet.
I just wont give up and just keep asking God how I can do it? As I always say God will make a why when there seems to be no way. We just need to have faith in Him to guide our path, don’t quite and learn to have faith in ourselves. Which is something I need to grow more in, in my journey in this life.
Sincerely,
Debra Ann
i went bankrupt about 10 or so years ago it didnt do anything for me since i could do it again my credit score is probably off the chart i was going to get help from you through dean g. but i missed the webinar almost a year ago maybe its better this way then nobody can steal anything from me? its to bad for them to want anything
Reflect and take a deep breath and smile
Hi, We all have made some mistakes some where and challenges come as life has its curves. I have completed your course and I’m excited to get back on track with my credit and quality of life.
Thanks for been very sincere and honest person! You inspire me to share my experience.
My credit Score is poor now, it use to be over 700. I was feeling very bad. No work, many bills to pay. So of course I need to survive.
My husband and I started a company, as Real Estate Investors, as joint this, we are now working in subcontracting, in order to do rehab, and also to remove trees, for different people, in their real estate properties in Norh Atlanta.
It is a different type of job, but now we are feeling free. No more worries about our credit score in order to get a job. Thanks to your course, we decide to move on different direction!
Philip,
I know how you feel, my failure comes with having other people pull on me, my family, while I am trying to correct my score my sons girlfriend will not pay the mortgage on time at the house she is renting from me and will not move. Because she has my grandchildren this cause me to feel bad every time I tell her and my son I will have to evict them if they cannot pay and will not leave. I am in a catch 22 situation and very tired and drain. Life is definally a challenge for me:)
Thanks Philip for your wisdom,I believe you have to have failures to be successful.The good lord knows I had my share.
I know how you feel my credit score has been always been over an 800 but trying to better my life by getting into Deans G. program cost me almost 45000.00$ with your program I hope I can get it back up we had a grocery store that we turned over to my daughter and her husband so some of the credit cards we were paying out of the store we had to put all that money on our cards so now to pay it off we are having yo refi our home which was almost paid for now we have with everything 130 thousand in debt in stead of 34 thousand and we haven’t been able to pay payments on the cards for about 3 months so it is I know killing my credit but i pray that it doesn’t hurt it to the point that I can’t do Deans program like I want but hopefully it will be taken care of in a few weeks when we get the money would it be better to pay all cards in full or get them to give us a lower total to pay it off. What I’m getting to is his program works and i pray it was worth it because we could have been debt free in 4 years had we not gotten involved in his program. So thank god I got your program I’m praying I can use your secrets to push my credit back up. Like you I feel like it is a very bad set back but I’m still working his program and pray it helps me to pay off this debt I’m giving myself the 4 years that we would have been setting pretty anyway had we not started it. So far I only have 1 house and haven’t been able to sell it yet ( have been paying on it for a year almost ) the market here in Arkansas is picking up the problem is that Ar. hasn’t had the housing problem like alot of other states so I feel like I have failed in this last year but I pray this year is better , Dean opened up the Edge live but because we haven’t been able to pay the cards in 2 or 3 months I couldn’t get in cost was almost 500$ which I don’t have. I have always told my husband when we get in a bind that it always works out not to fret about it , I truly believe God is in control and everything happens for a reason we have been married for 28 years and it has always worked out but i have to admit that this time it be the last time we have to worry about this, I’m going to get my score back up because of your work so thank you and I could really use some prayers from as many people as I can. My credit has gone down to 650 and my husband was a 700 when we started the refi but not being able to pay the credit card bills I know both will go down a lot and I pray it doesn’t kill our credit. If you have any tips about how to go about paying off the cards when we get the money I sure would be greatfull , I know you touched on it in the past but how long do you thinly it will take to get it back were it was if we negotiate on paying them off. Sorry this is so long I have a real problem about stressing about keeping great credit and I have always had a better score then my husband and I want it back the way it was. Sorry for rambling on you know now my problems and I agree that last year was very disappointing for me also , but I’m not the type to give up so ill keep pluging away and hope to really make some great money but I have to get over this hump before I can counting with Deans program. Wish me luck and I know a smart man like you will be fine last year was just hard for all so Luke me keep your chin up and please don’t stop what your doing it helps a lot of people like me. Thank you for all you do it is greatfulily appreciated . Susy DeWeerd ( CenArk Investors)
Hello Phil,
Thanks for sharing,I have been feeling down about my credit score,but have decided to use your lessons to improve it.I am putting fear behind me and making the steps necessary to achieve my success.THANK YOU SO MUCH!
Yes….2011 sucked for me too! I am a chiropractor and had 2 hand surgeries, severe nerve damage, and it has definately affected my practice. I have an almost full time job working at a retail store just to stay somewhat afloat!!!!
Great Information all year, Im very thankful and appreciative
to receive your info. You told me I would receive a book by
Harvey S. in November by leaving a comment on facebook and it was confirmed. Please tell me the status of this order.
Happy Holiday and we will have a prosperous new year,Thanks
Weird how this topic has popped up in a few random areas of my life lately. I had posted an article from Harvard Biz Review about a “failure wall” (http://blogs.hbr.org/cs/2011/12/why_i_hire_people_who_fail.html)in a LinkedIn group, and it was interesting to see how people reacted. I’ve always felt that success is simply getting up one time more than you’ve been knocked down. Setting stretch goals is what matters — if you NEVER fail, you’re not trying hard enough. And if you don’t learn something from every failure, you’re missing a huge opportunity to grow. Honestly, I have no idea when I ran across you, Philip Tirone, but I’m on your email list on an old Yahoo account I hardly use, and I was surprised to see you candor and honesty — I’ll read more.
One thing I always recommend to friends having a tough time is the book Transitions by William Bridges — it definitely helps you understand the good that can come from any change, positive or negative.
Growing through hardship is NOT a bad thing. “The world breaks everyone and afterward many are strong at the broken places.” (Ernest Hemingway)
P.S. — re: your program where you thought you’d get 200 enrolled… shift your strategy. Pilot SMALL and OFTEN — build momentum, and if the quality is there, the numbers will grow. I’m a firm believer of testing, tweaking, and then going big. Have a Merry Christmas — thanks for the food for thought today.
Thanks for your thoughts. 2012 is going to be great!
I have my share of problems also. I owe the IRS thousands of dollars with interest. Im having problems in my marriage. DV,Domestic/etc. Im ready to turn my financial life around. I want a better life and a better credit score. Keeping it real also
Dear Philip,
I guess Dr. Erich referred his clients to you. If you are going to have a webinar I would like to attend. I am involved with Nelson Nash an infinite banking. My goal is never to use a bank again… I have been in the credit card BS due to my wife’s ignorance, they are almost paid off. Let me know about the webinar.
Dr. Lucas
Thanks for “keepin it real.” This is actually ironic, my business has the same name. For anyone who reads this, remember, if your dreams are big enough, the odds dosen’t matter. Most if not all of us with families experience similiar or more than likely the exact situations
Wow, Phil! I just happened upon this page of yours, and I must say, I’m very impressed. This is probably one of the most inspiring shares I’ve read in a long time. It’s honest, and real. I’m right on the brink of something myself, stepping out once again to do something I’ve been “planning” and “dreaming of” for a long time, I’m very excited but there’s also always that natural nervousness…can I do it, etc. You know, when rubber meets the road, it’s no longer rah rah, it’s get busy and take stock of what is really happening, and I can’t expect to not have disappointments in the process sometimes. Just plow forward, which I will! It’s nice to see you’re doing well, because based on everything you shared here, I think you are doing it right. Oh, and hello, after all these years!
(Somehow bumped into you online here, I love it.) Long time, right?! 
So glad to be reconnected. I know your name, saw how we friended each other on Facebook, but can’t remember where we first me. Where was it?
Let’s make 2012 the best year ever! Talk soon.