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Elizabeth Nicolette speaks about making a commitment to financial freedom. Remedy Health and Wellness is committed to wellness in all aspects of our lives

Financial freedom is a major component of wellness. Wellness is more than a physical aspect of living, and the way we consider wellness at Remedy is body, mind and spirit. 

One of the biggest 

Enter Elizabeth Nicolette, CFP

The inability to defer gratification may be the single most significant cause of financial failure. That’s because it can so easily lead us into debt.  

Why do people acquire debt? Debt is paying over time for a benefit already received. In some cases, acquiring debt is a realistic way of satisfying our needs. Having our own home provides a feeling of security and belonging to the community. It can take a lifetime of earnings to pay for a home, so a mortgage is a practical method for satisfying this need.  

In our mobile society, transportation is an essential. We need transportation to work before we can earn income. Again, borrowing becomes a practical solution.  

A good education is required for maximizing our learning potential. To get that education, the cost of borrowing may be an investment in the future.  

Emergencies must be dealt with, and again, borrowing becomes the answer.  

There are good reasons to take on debt, but if uncontrolled, incurring debt can become a harmful habit. Purchasing items on credit without considering the consequences can be a dangerous proposition. Considering asking yourself these questions may help you make a more responsible decision when it comes to borrowing money: 

  1. Is it necessary? 
  2. Do the benefits justify the cost? 
  3. Is it truly an investment? 
  4. Will it increase in value to justify the cost of borrowing? 

The reality of borrowing is the high cost of debt. Interest payments represent a double loss. There is the compounded interest on the loan, in addition to the compounded loss of earnings.  

Debt exacts an emotional cost, too. Our lives are riddled with stress. The nature of debt acts to compound that stress. We forfeit our flexibility when we borrow, and this is truly the highest cost of debt. If you feel that you’ve taken on more debt than you can handle, here are some helpful suggestions: 

  1. Get a debt liquidation schedule 
  2. Consolidate your debts 
  3. Establish a budget and stick to it 
  4. Stop unnecessary spending 
  5. Develop a plan for the future 

Make a commitment to yourself. If it means short-term pain, try to visualize the long-term gain. Our need for immediate gratification is a strong force. We gain financial health by having financial balance. That is the key to financial freedom.

About the Author

Elizabeth Nicolette is a Financial Advisor at First Command Financial Services Inc. in Asheville, North Carolina. This article was written by First Command Financial Services, Inc., and it is intended to promote the professional services of the company and its affiliates. 

©2018. First Command Financial Services, Inc., parent of First Command Financial Planning, Inc. (Member SIPC, FINRA), First Command Advisory Services, Inc., First Command Insurance Services, Inc. Securities and brokerage services are offered by First Command Financial Planning, Inc., a broker dealer. Financial planning and investment advisory services are offered by First Command Advisory Services, Inc., an investment adviser. Insurance products and services are offered by First Command Insurance Services, Inc. in all states except Montana, where as required by law, insurance products and services are offered by First Command Financial Services, Inc. (a separate Montana domestic corporation). Securities products are not FDIC insured, have no bank guarantee and may lose value. A financial plan, by itself, cannot assure that retirement or other financial goals will be met. 


Kyla Gavlin discusses vegan diet tips for athletes. Kyla is a Registered Dietitian in Asheville, NC with Remedy Health and Wellness

It seems we are hearing more about the benefits of plant-based diets for their improvements in heart health to memory and even prevention & treatment of Type-2 diabetes.  However, a growing number of athletes across different sports (Venus Williams, Nate Diaz, and Rich Roll for example) are also incorporating a plant-based diet into their lifestyle.  

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What if I told you that you don’t have to adhere 100% to meet your health goals? That’s right, you can still eat what you want and lose weight.

Saaaay whaaat?? Let’s be honest, food is one of life’s greatest pleasures. It’s a way we share experiences, celebrations, tragedies, and even express our love. On the flip side, poor food choices can lead to chronic disease and overall dissatisfaction with life.

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Hey there!

My name is Kyla Gavlin, RD. Allow me to introduce myself.

I’m an Asheville transplant by way of the midwest. I grew up outside of Chicago (Elmhurst) and moved to St. Louis for college. I loved the ‘lou so much that I ended up staying after undergrad for another 4 years. I attended Saint Louis University for both my undergraduate degree (B.S. Nutrition and Dietetics) and graduate degree (M.S. Nutrition and Dietetics).

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Are you tired of yo-yo dieting?

Are you looking to make a change that’s life-long, instead of riding front row on the diet roller coaster?

Stop setting yourself up for failure, by taking on too much. Kyla can help you simplify eating habits, improve compliance, improve results and still enjoy your favorite foods.

Kayla of Remedy Health and Wellness