The old proverb states that the road to Hell is paved with good intentions. Another way to put it is that Hell is full of good meaning and Heaven is full of good works.
Good intentions are like thoughts and prayers, totally meaningless. Nobody cares about that fact that you meant well, only that you did nothing to solve the problem.
The credit agencies don’t care about the fact that you thought a new flat screen tv was more vital than paying your bills on time. Your wife doesn’t care that you were having a really good time with your friends, only that you forgot to pick her up. The police officer does not care that you are running late for a big presentation, only that you were speeding.
For problems to get solved they require real action. Saying “it’s the thought that counts” is BS. Either do something to solve the problem or not. You are either part of the solution or you are part of the problem by not doing anything. Leaving your problems up to the “Lord” or “The Universe” to solve is also BS. Take some initiative and a whole lot of personal responsibility and just get it done.
I look forward to hearing from you in regard to your mortgage needs.
p.s.s- I should tell you that I am licensed in Nova Scotia Brokerage (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).
p.s.s.s You can download my new mortgage app here