Welcome to the Foreclosure Fix Podcast, where our mission is to help one million homeowners successfully navigate foreclosure. I'm your host, D.J. Olojo, and if you've ever faced the stress of foreclosure, this episode is a must-listen.

Today, we're delving deep into the crucial mindset you need when you're in foreclosure, a concept I call "being seasonally selfish." We'll discuss why it's okay to prioritize yourself during tough financial times and how to do it effectively without feeling guilty.

But before we dive in, let's recap the five essential steps for anyone dealing with foreclosure: Open the mail, process your emotions, verify document legitimacy, contact your loan servicer or attorney, and make a plan.

Now, let's talk about being "seasonally selfish." In our culture, we're often taught that being selfish is a negative trait. However, during a financial crisis like foreclosure, it's vital to prioritize your own well-being for a limited time. This means focusing solely on your problems without guilt or distraction. Think of it as an athlete rehabilitating after an injury. Taking this time to regain your financial footing is essential for your long-term success.

Here are the three key steps to being seasonally selfish:

• Lose your ego: Don't let pride or appearances get in the way of seeking help or making necessary changes in your life.
• Worry about yourself first: It's time to put yourself at the top of your priority list, even if you're used to helping others.
• Learn to say no: Sometimes, you'll need to decline invitations or expenditures to keep your financial goals on track.

Remember, there's no set timeline for being seasonally selfish. It could last a few days, weeks, or even years. What matters most is taking the time you need to get back on your feet.

And here's a timely reminder for those with federally backed student loans: Payments are resuming soon. If this affects you, don't wait until the last minute to address it. Contact your loan servicer now to explore your options and avoid potential financial pitfalls.

In our "Bow Tie Round," we discuss the best advice for facing foreclosure, express gratitude for our supportive Foreclosure Fix community, and share a fascinating success story of a homeowner who navigated a challenging situation with determination and the right steps.

Thank you for tuning in to the Foreclosure Fix Podcast. If this mission resonates with you, please visit our website at ForeclosureFixPodcast.com and share our valuable content with anyone who might benefit. Don't forget to like, subscribe, and share your questions with us. We're here to help you through this journey. Stay strong, and see you next time on the Foreclosure Fix Podcast.