Finding Personal and Financial Calm in this Global Storm

Finding Personal and Financial Calm in this Global Storm

Finding Personal and Financial Calm in this Global Storm. There are a lot of things we cannot control and the year 2020 has reminded everyone all over the world how at the end of the day, people are just people susceptible to disease, and defenseless against unknowns. Everything can change drastically in just one moment and when everyone is affected, getting back up can be a huge challenge.


I am Laura Gyldenbjerg, a Licensed Insolvency Trustee, and I can help you find some calm in this global storm. The whole situation is daunting and stressful. You have all the reason to feel worried about your future.


With over 26 years in the field and having helped over a thousand individuals, I can help you wade through the financial chaos and feelings of instability brought about by the changes caused by dealing with COVID-19.


First Things First


How is your health? You are always your best asset. If you are in great health, that in itself should be a source of gratitude and comfort. It can also be a motivating force to stay in shape.


Exercising might be the last thing you would like to do, but if you find yourself in a bit of a rut, it is scientifically proven how exercising releases endorphins which results in a positive change in your mood. Building up your health by avoiding stress encourages a stronger immune system to fight off viruses too!


Where do you stand? Identify how much savings you have and how far ahead you can last with it. Try to find comfort from knowing that you have your savings and your awareness to spend it wisely can help guide you in making the best decisions for you moving forward.


If you do not have savings to last a long time, check on your health insurance policies and remember that should a need for it arise, any form of help to take some expenses off your shoulders is a good thing.


What are your assets? Your house or apartment is a place where you can find safety. Your car is something that allows you to comfortably travel while minimizing the risks of exposure. It may also be an emergency source of funds if it must come to that.


Look at what you have and think of how fortunate you are with what assets you possess and are at your disposal.  Also consider the non-physical assets – your friends, family and people in your life who are there to help.


What’s the plan? This is a little harder to answer and it’s something we can help you clearly define. With the uncertainty clouding your thoughts and emotions getting in the way of logic, I can see your situation objectively allowing me to suggest a plan that would work best for where you currently stand and to achieve your goals.


When All Else Fails


If even after the above, you find yourself anxious of what the future brings, consider the Serenity Prayer which was written by the theologian Reinhold Niebhur. It is basically praying to be able to accept the things you cannot change, have courage to change the things you can, and have the wisdom to know the difference. Find a quiet moment in your day to internalize that not everything is within your control, and it is okay to sometimes let some of the fears go and ask for help.


My experiences have led me to this day to help you. I know what it’s like, taking a leap of faith as I did so back in 2008 to open my own firm.  Since then, I’ve realized that there are times when all we need is someone who can understand our problems to help us get our focus back and feel that we have control over our life. That’s what I’m here for. Remember that Laura can help!

Finding Personal and Financial Calm in this Global Storm is possible. Take the First Step To Becoming Debt Free today by booking an appointment. 

The Laura G. debt free plan can help you gain control of your life’s choices and eliminate the harassment by creditors.


Regaining Financial Footing During a Pandemic

Regaining Financial Footing During a Pandemic… COVID-19 has impacted the lives of millions. We still cannot ascertain the full impact of its effects physically, financially, and emotionally among others.

No one could have anticipated how it has shaken the world, but there are ways to address some of the unknown and the fear that comes with it.

I understand how frustrating it can get when stretching your money no longer seems to work to make ends meet. Setbacks are inevitable but it’s how you handle them that matters!

The first step to taking back control on your finances is making a conscious decision to take back that control.

As Tony Robbins said: “Where focus goes, energy flows.”

Instead of focusing on the negatives, keep your eyes on making the most positive outcome possible and keep a firm hold with your feet. Here are a few pointers to help you get back on track and put things into perspective.

·        Start by analyzing where you stand.

Some quick questions to ask yourself: How much savings do I have?

How long will it last?

What are my regular payables and how can I lessen the money spent on them?

Do I have creditors?

·        Identify your income sources.

Is it from your job, overtime pays, side hustles, government benefits…? Account for how much money you make and keep. One of the secrets a great number of wealthy people have in common is keeping close track of income and expenses.

Once you’ve identified your income sources, you may consider how to have vertical income sources or passive income sources to add to your cashflow.

·        Separate your wants and your needs and set a realistic budget.

It may seem like a basic thing to do, but when you get down to it, doing this helps you clearly identify exactly where your funds should go versus where it shouldn’t. Sticking to just buying your needs when in a financially unstable state helps your resources last longer.

·        List your regular and variable monthly expenses and review how to make potential savings.

Are there bundle services you can avail of?

Are there regular expenses which can be given up for the time being (subscriptions or other non-essential recurring payments)?

Is there something you often do which you can do less often in an effort to save?

·        Set short- and long-term goals.

Your goals may be on how much you’ll save or how much you’ll make, or something else entirely. But having a clear goal and plan to get to it helps add purpose to your actions. Again: Where focus goes, energy flows.

·        Identify seasonal expenses.

Accounting for these expenses early on can help you add them to your expenses to save for so you don’t get caught off guard when they come into view.

·        Look ahead.

When you’ve established some of your personal financial facts, consider what you can do to move forward. If you find that you are somehow overwhelmed by the figures or any other matter, consider getting professional help.

Watch out who you ask though, are they looking out for your best interest or just their fee, this one can be a bit tricky!

Remember that you are not alone. Sometimes, taking control of your finances requires a navigator (like me, a licensed insolvency trustee) to help identify your options, build a plan, and execute that plan.

The reassurance of trusting an expert can help you deal with the feelings of uncertainty that come with today’s global financial climate and ultimately regaining financial footing during a pandemic.

You deserve a second chance! The Laura G. debt free plan can help you gain control of your life’s choices and eliminate the harassment by creditors. If you are facing challenges that seem insurmountable, like bankruptcy, debt or a bad credit rating then we can help you regain control.



Welcome to the first step to becoming debt free!

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Voted Best Licensed Insolvency Trustee

Voted Best Licensed Insolvency Trustee , Credit Debt Counselling in the Hamilton Readers Choice Awards 2020. We at Laura Gyldenbjerg & Associates Inc. are thrilled to announce that, thanks to you, we have been voted Best Licensed Insolvency Trustee, Credit & Debt Counselling in the Hamilton Readers’ Choice Awards 2020.

Our team is humbled by this recognition — which only proves to us that the answer to tackling financial stress is through empathy and customized plans for each and every person that steps through our doors.

This is our fourth Diamond (#1) award from the Hamilton Readers’ Choice Awards and accompanies our Diamond Awards and Platinum awards for Bankruptcy, Credit & Debt Counselling, and Financial Advisor since 2016, and being named as the Top-Rated Trustee in Hamilton since 2017 by Three Best Rated.

In acknowledgement to these awards and public expectations, it is our promise to you that we will continue to help those handcuffed by financial stress by offering a space free from judgement and shame. You can read more about Laura Gyldenbjerg & Associates on our testimonials page. Getting lives back in order is first and foremost our top priority.

Take advantage of our award-winning services and book a no-obligation, judgment-free, no-cost consultation today.

You deserve a second chance! The Laura G. debt free plan can help you gain control of your life’s choices and eliminate the harassment by creditors. We have helped over 1000 individuals and families gain control of their life’s choices.

“Laura and Associates is a place where when you walk out of there you can finally breathe! They are down to earth great people that understand your situation and never judge but just wanna help. Thanks, guys!”


“Laura cares about people! She is very approachable, compassionate, empathetic insightful and professional. She is also a great advocator for her clients’ best interests. I highly recommend Laura to my friends and family.”

Take the First step to becoming debt free with the Laura G…!