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You could well be surprised at how much you can actually achieve without seeking the help of a debt management company. Many people have negotiated reduced payments with their creditors, sometimes even getting them to freeze interest and charges on their debts. If you have decided to go it alone, the following article will provide you with valuable advice on how to do this successfully.

When negotiating with creditors, there are a few key points to keep in mind. Follow the top 5 tips below for a better chance of negotiating successfully.

5 top tips for negotiating with creditors

1. Be polite. If you are respectful, calm and show a willingness to work with your creditors, your negotiations will be much more successful. It is good to remember that your creditors do not HAVE to accept your offer, they are under no obligation, so shouting the odds and being confrontational will get you nowhere.

2. Be honest. Explain your financial situation fully. Creditors are real people and they understand that everybody’s circumstances can change at any time for various reasons. Be aware though, that your creditors will ask questions and may require proof of your change of circumstances. If you have been ill – a doctors note, if you have been made unemployed or had reduction in income – wage slips…etc. If you are honest from the outset, there is no chance of your story coming unstuck and your negotiations stalling.

3. Do not let your creditors persuade you to offer more. Before you even contact them decide exactly what you can afford and stick to it, even if they are being difficult. If you agree to pay more than you can afford, you will only run into more problems in the future when you cannot keep up the repayments.

4. Importantly, you must ask your creditors to freeze the interest on your debts. Unless they do, your debt will carry on growing, meaning you will be paying them for longer and your debt will be harder to clear. Do not presume they will do this automatically.

5. Be vigilant. Sometimes you will need to contact your creditors several times before they agree to your offer. If, after numerous attempts, you cannot get them to agree, or you just don’t feel confident about negotiating with them, you can contact a debt management company who specialise in negotiating with creditors.

If you follow the above tips, you should have a much better chance of negotiating successfully.

It happens too often to ignore. You spend hours working on your elaborate presentation. You spit and polish your pitch with colorful charts, testimonials and a project plan. When you reach the meeting room, your client says, “Bob! I have to rush for an urgent meeting. Show me what you’ve got in 2 minutes.”

What do you say in those 2 minutes to create the impact of a 20 minute presentation?

There is no point searching for words at that point in time. You need to be ready with that pitch – upfront, if you want to make it big as a sales presenter.

Here is my suggestion to make your 2 minute pitch.

Take a sheet of paper and answers these three questions:

1. TANGIBLE BENEFIT: What is the one most important tangible benefit offered by your product? The benefit should be clearly measurable.

2. SIGNIFICANT DIFFERENCE: How is your offering significantly different from any other such offering? The difference should be an obvious one.

3. CLEAR PROOF: What is the proof for your claim? The proof should be credible enough for the customer to accept without question.

Your answers to these questions are the 2 minute pitch.

There is a lot of science behind those 3 questions. They directly influence the decision making process of your customers.

Here is the caveat. Though the questions are simple and direct, the answers to those questions may not be easy to find.

Take the time necessary to come up with the best answers. Call up your existing customers, visit your ‘Product’ department or interview the highest producing sales people to get the clues. The time spent on this is worth its weight in gold.

In fact, creating this pitch should be your first priority as a sales presenter. The process will give you a lot of clarity about your product or service, which in turn will reflect as conviction in your voice when you make your next sales presentation.

Happy selling!

Your present moment – this moment – the one you are in right now – is the intersection between your past and your future. If you let them, your time choices come alive in this moment.

At once profound and mysterious, your present moment is a place of stillness. As you allow yourself to settle in and fully experience the stillness, your moment reveals itself as both an opening and a turning point.

Always, your present moment offers you the potential for deep insight and transformation. But the paradox is that it doesn’t work to aggressively mine your moments for meaning.

No, it’s with openness and stillness that you need to start. I’m not talking about developing a time management skill or implementing a productivity tool but rather about letting yourself experience an encounter.

That is where you need to start, to truly live the power of your present moment. As Marianne Williamson has written:

The present moment, if you think about it, is the only time there is. No matter what time it is, it is always now.

The past is gone and the future has not yet arrived. You are alone with yourself and a wealth of powerful choices as you pause and let yourself just BE in the present moment.

Last week I wrote about living mindfully in your present moment, and one of the things I noted is that:

Living in your moments, breathing in what they have to offer, you get to know yourself. Your wants, needs, and interests are constantly evolving, and they emerge from your moments if you let them.

I’d like to continue and build on that idea today by picking up on an article from zenhabits titled Savor Discipline: Merge the Interests of Your Future & Present Selves. Here Leo Babauta explores the challenge that being disciplined presents us with in our moments. What do we do – how do we choose – when, essentially, our present and future interests aren’t in sync?

The first thing that he does – and I love this – is to frame this as a relational issue. We have our present and our future self in dialogue about whatever choice we’re wrestling with.

Next, he removes the self-critical component that so often trips us up and keeps us stuck by suggesting that we treat this conversation as an exchange between two friends.

Imagine you were going to lunch with your friend, and you had to decide where to eat. You each have different preferences. Choosing one over the other – going to Japanese food (your friend’s preference) instead vegan Mexican (yours) – isn’t fair. So maybe you pick a third choice that you both like (a place that serves sushi burritos, perhaps). Or maybe you choose this time, and your friend chooses the next time. Either way, both are happy.

You pause, in your present moment, and your present and future self work out a compromise. As soon as you pause, you are introducing an element of mindfulness. This, in and of itself is transformative, no matter what you decide.

And of the options available, Savor Discipline is a path that opens new doors that your present and future self hadn’t even known existed. I’ll explore this exciting option further in my next post, so stay tuned.

And in the meantime, here’s to your time success!