The past ten years have witnessed a dramatic surge in real estate development nation wide. Builders sought to take advantage of the burgeoning middle class and record low mortgage rates. While new home sales in some areas of the country are red hot, in many areas of the country a recession has slowed new home sales considerably. Anyone involved in the construction of new homes fears the word recession like they fear the plague.

What if you didn't have to live payday to payday? What if you had all the money you wanted instead of overwhelming debt? Maybe that sounds too good to be true. However, the Laws of Attraction can change your financial outlook forever.

One part of the Laws of Attraction is that you get things according to the energy you put out into the world. The universe will respond to it and send it back. For example, one person might go to the mailbox and say, "I hope I don't get too many bills today." Another person might say, "I wonder who's sending me money today."

Are you a woman who is in debt? Whether you have debt solely from attending college, from credit cards, old medical bills, or a combination of them all, you may be scared, unsure, and frustrated. In today's society, with regularly rude calls from debt collectors, you may be feeling as if your debt is causing you to become insane. Yes, it may seem like the end of the world, especially at first, but it is important to remember that your debt doesn't have to the be the end of you.

I have already started a college savings fund for my preschooler. I realize that her college years are still incredibly far away but I have a feeling that those years will fly by me with an intense speed. I don't want to have to start worrying about paying for her education when she's in high school. By then, it won't be possible for me to gather the money. Each month, $50 goes into her account. I cannot afford more than $50 a month, but at least I know that I'm giving her a good start. That equals $600 per year.