Today is the last day of 2010; tomorrow is the first of 2011. While one day is hardly different from the other, this is naturally a time of introspection and dreaming. We think about the year that has passed and push forward with new hopes for the next year. I haven’t started working on my New Year’s resolutions yet, but it will probably include the usual suspects: get fit, eat healthy, get organized, and save money.

Besides those, I like to set a few personal goals–not that I remember by the end of the year, but I think it helps me focus at the beginning. Like many people, I have so many things going on it can be difficult to figure out my priorities and where to spend my time. There are so many things I enjoy that outweigh the things I “have to do.” Setting goals and priorities helps me find the balance. This year, we’re looking towards some major changes in the household. It will be good, but challenging. Mentally and physically preparing now should help ground us for the year to come.

Finding a way to make more money or to make your money more productive is also usually high on most people’s lists for the New Year. If you need cash now you can sell structured settlements through a buyer of structured settlement annuities, rather than wait for the money. It might make sense to take control of the money this year, rather than to wait it out.

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It’s time for everyone to break out their end-of-year lists. Here are a few things that I thought of to be thankful for as we look back at 2010.

1. An improving economy and job market. Undoubtedly things are still very tough, but personally I was happy to have found a job for the Fall of 2010.

2. Competitive and flexible rates for large purchases. This was the year that we had to buy a new car to replace a car that had dwindled down to trips of no more than 15 minutes. Lucky for us, we found a buyers market!

3. Improved savings rate. Everyone seems to be putting more away for the future and I am happy to say that I reached my savings goal for the year, despite not having the security of a “regular” job.

4. Better than expected holiday retail sales! Not only does this improve the larger economy, but even small sellers like myself benefitted from the rising tide with my highest sales ever.

5. A sense of optimism going into 2011. There is plenty to be excited about: new opportunities and new chances to build a better year.

Maybe this is going to be the year for you to look into structured settlement buyers. You can sell annuity payments and set things off on the right foot for the new year.

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In the last post I talked about the impending holidays and how I decided that I was going to take the dread out of the season and manage my debt once and for all. I had learned that I was able use our structured settlement in a new way - a way that would allow us to make better use of the money. Up until this point, our structured settlement money had been coming to us in a monthly payment; something that we used to supplement our income, pay bills and use as discretionary money. Lately, however, since I had lost my job, we were counting on the structured settlement payment as much more than a supplement; we were depending on it to cover several of our monthly bills and were falling behind fast. At this rate we wouldn’t be able to afford anything for the holidays.

Instead, I looked into selling structured settlement payments to a buyer of structured settlement annuity. In this case, we would determine how many future payments we needed to sell to accrue a particular amount of money. Then the buyer of structured settlement annuity would purchase those future payments from us - giving them their cash value today in exchange for the right to receive those future payments when they came due.

This seemed the perfect scenario to me; a way to better utilize our structured settlement so that this money would work harder for us and allow us to get out of debt - especially before the holidays.

So I found a reputable, trusted buyer of structured settlement annuity with whom we worked. We sold a number of future payments to them and used their cash value to pay off our credit card debt. Now our cash flow is much better, our bills are much more manageable and the holidays are bright again.

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The week between Christmas and New Year’s is a wonderfully calm week. Most people I know have this week off and since the frenzy of the Christmas holiday is mostly over, it is a week for rest and maybe a little catching up. Those friends who are working this week are doing so in mostly quiet offices and planning solitary projects that are often interrupted during the year.

Personally, I have a few projects around the house and catching up-type activities to complete before the year is out. Christmas always leaves a huge mess to clean up and a stack of gifts that need to find their place in the house. Of course there are also thank you letters to write and friends and family to still to visit that didn’t quite fit into the pre-Christmas rush. In other words, there is plenty to do!

That said, the mood is more contemplative and relaxed as we reach the end of the year and enjoy that special week between Christmas and New Year’s. If you are thinking that this is going to be the year to sell my annuity, you should find out more about cash for structured settlement payments. You can receive a lump sum of cash in exchange for payments usually received over time and start your new year right.

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In the last post, I was writing about awareness of one’s situation. Regardless of one’s resources, one must treat them seriously and plan as best as one can for the long haul. Of course, situations change and while I stressed that one should think of one’s resources, whether in good times or bad, as precious and limited. Equally important, one must be flexible. As soon as plans are made, they often have to be changed. Life has a way of interfering.

When plans must be altered, choose carefully. Try to think about the long-term. What would give you the most benefit? How else could you make these things happen? What opportunities might be presented in the future? How can you compensate for these changes?

I know it all sounds very abstract here, but we all know the reality. Bills, accidents, and illnesses happen as do job loss, breakages, and failures. It’s not if, but when, and when they happen how does that change your plan? Structured settlement buyers can help you navigate the difficult terrain around annuities. When things go off plan, you can receive cash for structured settlement payments and get back on course.

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While there are many things in life that happen unexpectedly, it is our ability to plan for the future that gives us the advantage over those who simply take what comes. I am always pleasantly surprised when things go well or I am given a surplus, either of opportunities, resources or both, and I treat it very seriously. It is up to me to make the best decisions about how to use these unexpected gifts as a buffer to guard against the next unexpected downturn or stroke of bad luck. I must plan just as carefully when things are good as when they are bad.

The mood, however, can be dramatically different. When times are tight, you can’t afford to make a mistake or a miscalculation. Making an honest assessment of your financial situation can be difficult, even emotional. We all have hopes and dreams and want our finances to buoy us on, not to hold us back. If you have been asking yourself about how to sell my annuity, it might be time to find a buyer of structured settlement payments. You can receive cash to start making your own plans now.

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Sell structured settlements
Any cash that is generated when you sell structured settlement deserves your full attention to wise investing. Follow my thought about this rule of thumb.

2) Asset allocation is more important than trying to find the next Microsoft.
Over the long haul stock and bond returns will track the averages. Your view of the future will dictate how much you commit to each area. The fine-tuning comes later.

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The calendar continues to turn at rapid speed like at any other time of the year but when it comes to the holiday season it seems as though the days flip by faster than ever. Most of us have been in similar situations; looking down the barrel at the holidays and wondering how we are going to come up with the money that we need to handle it all. I actually got a jump on the holidays a few months ago in terms of starting to be stressed about them. I knew that with all these bills to pay and falling further behind and deeper in debt, Christmas was going to have to take a back seat. However, with three kids, that was going to be easier said than done.

I had little to complain about in theory especially with a structured settlement payment coming in every month. This payment was a result of a personal injury case in which we had been awarded money. At the time that the money was placed into an annuity and we started receiving payments, it was gravy in terms of our budget; money that was over and above what we were bringing home from our jobs.

Now, however, we were leaning hard on our structured settlement payment because I had lost my job over a year ago. There just didn’t seem to be any employment opportunities on the horizon and as we blew through our savings things began to spiral out of control. We counted on our structured settlement payment more than ever to see us through and now we were considering other options for helping us to make ends meet.

I decided that instead of dreading the holidays I would take the steps necessary to take control of my financial situation and that would begin with talking to a buyer of structured settlement annuity payments. More in the next post…

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At least once during the holidays I end up, whether by choice or not, going to the mall. As unpleasant as it may be, it is in fact part of the holiday ritual. As expected, traffic around the mall was atrocious. It took us an hour to go from downtown to the mall, which can’t be more than 5-10 miles away. Once there, we entered the dance around the parking lot. That is, once we finally made it to the parking lot. After a few false starts, we found a spot (victory!) and started the long hike towards the mall.

Once inside, the crowds were thick, but not inhospitable. Since we weren’t frantic or stressed, the experience was better than expected. We ended up staying much later than anticipated and taking advantage of the extended hours. When we finally left, we were completely “malled” out. Even at the late hour, I was surprised at how many people were still there!

Now that we’ve survived our pre-Christmas mall trip, we won’t be back until it’s time to shop the post-Christmas sales and hopefully by then things won’t be so bad. If you’re looking for ways to find more cash to help you meet your needs and wants you might be interested in finding out more about how to sell annuity payments. A buyer of structured settlement annuities can give you cash now for your annuity payments, which might be just in time for your wish list for 2011.

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It’s the week of Christmas and I am feeling restless. I know I’ve made good progress on my list, but there is so much more to do! I’m really feeling the pressure today. Luckily, I had already built in down time and am looking forward to some fun holiday activities later in the day. When you’re feeling overwhelmed here are a few other tips.

1. Have something to look forward to. Like I just mentioned above, I have a fun activity planned to help balance out the necessary chores.

2. Make time for family and friends. Even if you see them all the time, it’s much more rewarding to build holiday memories with them during this time of year. It will be worth the trouble and will make you feel better.

3. Don’t forget yourself! It’s okay to pre-shop the post-sales and think about what you might like or even to go ahead and pick something up for yourself. You know what you want better than anyone else.

If the holidays are still causing too much trouble and your financial burdens are more than you can bear, you might think about looking into structured settlement buyers. You can receive cash for structured settlements and be on your way to greater financial peace of mind.

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