What The Debt?
S A U N A I E27 Huhti 2022

What The Debt?

S A U N A I E Presents What The Debt

QUOTES: The Limit isn't the Sky. The Limit is the Mind.

2nd: If you don't Value Your Time, Neither Will Others. Stop Giving Away your Time & Talents - Start Charging for it.

S E G M E N T S: What is Debt? Understanding Debt! Different Types of Debt

What is D E B T? & Understanding Debt

- Debt is usually money, borrowed by one party from another. Debt is used by many corporations and individuals to make large purchases that they couldn't afford under normal circumstances. ( Investopedia Definition )

- Debt is an obligation that requires one party, the debtor, to pay money or other agreed-upon value to another party, the creditor. Debt is a deferred payment, or series of payments, which differentiates it from an immediate purchase. ( Wikipedia Definiton )

- The most common forms of debt are loans, mortgages, auto loans, personal loans, and credit card debt. Under the terms of a loan, the borrower is required to repay the balance of the loan by a certain date, typically several years in the future.

2. T Y P E S OF D E B T

- There are four main categories of debt. Most debt can be classified as either Secured debt, Unsecured debt, Revolving debt, or a Mortgage.

1. S E C U R E D D E B T is collateralized debt. Debtees usually require the collateral to be property or assets with a large enough value to cover the amount of the debt. Examples of collateral include cars, houses, boats, securities, and investments. These items are pledged as security and the agreement is created with a lien.

2. U N S E C U R E D D E B T is debt that does not require collateral as security. The creditworthiness and the debtor's ability to repay are reviewed before consideration. Since no collateral is issued, the debtor's credit profile is the primary factor used in determining their Approval.

3. R E V O L V I N G D E B T is a line of credit or an amount that a borrower can continuously borrow from. In other words, the borrower may use funds up to a certain amount, pay it back, and borrow up to that amount again.

4. M O R T G A G E S is a debt issued to purchase real estate, such as a house or condo. It is a form of secured debt as the subject real estate is used as collateral against the loan.

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Ep. 241: Tiny Life Changing Habits

Ep. 241: Tiny Life Changing Habits

S A U N A I E Presents Tiny Life Changing Habits Q u o t e s: Don't Let Anyone including yourself Speak Negatively About You 2nd: You've survived everything life has thrown at you, because you're Warrior S e g m e n t s: Tiny Life Chaging Habits 1. Everyday Write 3 Things You're Grateful For. 2. Say "No" more often. People will walk all over you if you say "YES" to Everything. 3. Ask Yourself Whether What You're Doing is Worth it? 4. Invest in Experience 5. Declutter Your Workspace. 6. Do A Brain Dump 7. Giveaway Things You Don't Need 8. Keep Track of Your Money. 9. Split Your Tasks into bite-sized Actionable Steps. 10. Try Social Media Detoxification Every Once in a While. 11. Use DND more often 12. Spend 30 mins. daily doing "Nothing" 13. Prepare your clothes the night before. 14. Head Full of Thoughts? Go for a Walk 15. Read 15 mins a Day 16. Let Go of Self-Critical Thoughts H o u s e k e e p i n g Share. Subscribe. Review o u t r o: Be Strong Enough to be Patient while You're Waiting For Your Blessings to Show Up.

20 Maalis 202314min

Ep. 240: How to Overcome Overthinking with XO

Ep. 240: How to Overcome Overthinking with XO

Q u o t e s: Everything is Possible when you Believe in Yourself. 2nd: Everything comes to him who Hustles While He Waits. S e g m e n t s: The People You Attract Are A Mirror of You. 1. The Problem is Rarely The Problem 2. Avoid Self-Rejection. 3. Silence & Time 4. An important Question 5. The Power of Now 6. Fact-Check Your Own Thoughts 7. Acceptance is Peace 8. Health starts in your mind H o u s e k e e p i n g Subscribe. Share. Review. O u t r o: You're A Walking Miracle, Never Doubt How Amazing You Truly Are.

17 Maalis 202315min

Ep. 239: How To Stay Calm Under Life Storms

Ep. 239: How To Stay Calm Under Life Storms

Q u o t e s: Wear Gratitude like a Cloak & it will Feed Every Corner of your Life. 2nd: Stressing about the Future will Rob You of Today's Joys, Live Your Life One Day at a Time. S e g m e n t s: Ways To Calm Yourself When Life is Getting Tough 1. Walk 2. Indulge 3. Be Generous 4. Sit in a Coffee Shop or a Busy Street & Soak Up Your Surroundings. 5. Educate Yourself 6. Preparation 7. Strengths h o u s e k e e p i n g Share. Subscribe. Review. o u t r o: You Deserve Relationships That Never Make You Question Your Worth.

13 Maalis 202311min

EP. 238: Unspoken Social Rules

EP. 238: Unspoken Social Rules

S A U N A I E Presents Unspoken Social Rules q u o t e s: The Best Decision You'll Ever Make is to Become The Best Version of Yourself 2nd: Let Yourself Walk Away From People & Situations that Don't Feel Right, So You Have Time & Space For Those That Do. S e g m e n t s: Unspoken Social Rules 1. Don't Call Someone More Than Twice Continuously 2. If you borrow money from someone, Return it, even before they ask for it. 3. When Someone Treats You to Breakfast, Lunch or Dinner, Don't Buy The Most Expensive Dish on the Menu. 4. Always Open The Door for the Person Coming Behind You. 5. Be Nice & Kind to Waiters, Cleaners, Helpers, Drivers, or Anyone Offering You a Service & Treat Them with the same Respect You'd Give a Manager or a CEO 6. If you take an Uber, Lyft, or Taxi with a Friend, & He/She pays now, You Pay Next Time. 7. Respect Different Opinions 8. Never interrupt People Talking 9 .Say "Thank You" when someone is Helping You. 10. Don't Break Your Promises, or Don't Make 1 if you aren't sure you can keep it. 11. When someone tells you a Secret, Take it with you to your Grave, even if you wake up as enemies the next Morning. 12. Don't Set a Time without Being Punctual Yourself. 13. Never Talk About Your Riches the Midst of the Poor. H o u s e k e e p i n g Share. Subscribe. Review We're on Youtube o u t r o: All Mistakes I Ever Made in My Life Were When I Wanted To Say No, & Said Yes

10 Maalis 202311min

EP. 237: Are You Mentally Healthy?

EP. 237: Are You Mentally Healthy?

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6 Maalis 202312min

EP. 236: Do You Have Self-Discipline?

EP. 236: Do You Have Self-Discipline?

S A U N A I E Presents Self-Discipline Secrets q u o t e s: When Hard Work is Your Only Options, Success is your only Result. 2nd: Self-Care isn't Selfish. It's a Crucial Part of Being a Happy Healthy Human. S e g m e n t s: Secrets of Self-Discipline 1. Meeting Your Own Deadlines. 2. Not Eating in Front of a Screen 3. Doing that Final Rep in the Gym 4. Turning Off Netflix at a set time 5. Not touching your Phone when you're at Dinner or on a date 6. Putting Your Phone in a Different Room while Working 7. Making Healthy Dinners Nightly or Meal Prep 8. Going To Workout Even When You're Tired 9. Eating the same food 4x a week to lose weight. 10. Reading even when you don't feel like it. h o u s e k e e p i n g Share. Subscribe. Review. o u t r o: Our Greatest Weakness Lies in Giving Up. The Most Certain Way To Succeed is Always to Try Just 1 More Time.

27 Helmi 202315min

EP. 235: 7 Deadly Sins of the Tongue

EP. 235: 7 Deadly Sins of the Tongue

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24 Helmi 202313min

EP. 234: Check Yourself Before You Wreck Yourself

EP. 234: Check Yourself Before You Wreck Yourself

S A U N A I E Presents Check Your Ego q u o t e s: Humans aren't born to work & stress out. Rest Days are important. Self-Care days are important. You Deserve Time Off. 2nd: Your Goals are Unique & so is your Journey. Don't Judge your results by someone else's standards. S e g m e n t: 7 Tips on Controlling Your Ego 1. Stop Getting Offended 2. You Don't Need To Win All The Time 3. Know When To Stop 4. You Aren't Your Reputation or Achievements 5. Know Your Ego 6. You aren't always right 7. Don't Be Superior h o u s e k e e p i n g o u t r o: You won't always be Blessed with what you want; Sometimes you'll be Blessed with What you Need.

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