Take the Poll – What keeps you up at night regarding your credit & collection position?

In the early days of CMI, I can tell you that for years I worried about certain debtors keeping their promises to pay. I would wake up at 3:00am and get on the computer to read over the notes I made a few days before just to make sure that I didn’t misunderstand a payment promise. Naturally, I was always tired, and it would affect my job, especially around 3:00 pm when I felt like I needed a nap. 

Fortunately, over the years I have learned to let go of the business problems, challenges, and worries once work was over. Since I have no control over whether the payment promise of today will materialize into a firm payment tomorrow, there is no use in worrying about it between the hours of 10:00pm and 6:00am. 

These days, as I try to clear my mind to get a good night’s rest, here’s what often works for me, and may very well work for you. 

1) I don’t eat late. Digesting your dinner late at night is a sure way of keeping yourself from falling asleep or waking you up in the middle of the night due to indigestion. 

2) I turn off the news after 8:00pm. Since there are a lot of problems in the world that I have no control over, I try to give my brain a rest from all the chaos. 

3) I put my mobile phone in another room. Just like the news, I must unplug myself for a few hours before going to bed. It was hard for a long time, probably because I was kind of hooked on seeing who responded to my Facebooks posts. But fortunately, now I’m not so into it anymore. 

4) I take a nice bath. This relaxes me as I let the whole day soak away. 

5) I’m into aroma therapy. Honestly, beautiful scents do work, and my favorite ones are lavender and vanilla. I have a little bottle of each and will spray the pillow with one or the other. The scents really sooth me. 

Of course, there other things that I have experimented with over the years but this is a short list of what has finally continued to work for me. Since each of us is very different with many unique situations, it comes down to trial and error. 

Wishing you a restful night. 

Nancy Seiverd, President, CMI Credit Mediators Inc.

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