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I know the two things may sound unrelated, but I can assure you, one has an effect on the other. That’s why I take a holistic approach to financial health. Because financial health is just the beginning of whole life health. Our financial states often impact our emotions — for better or for worse — making us feel happy if things are going well, or stressed, overwhelmed, or even depressed when they aren’t.
My mission is to help you achieve both financial and emotional wellness by working with you to create financial goals and encouraging you to stay on track with those goals so that you will achieve success. Let’s build on our financial dreams and goals, and work to make each year our best ever.
Wealth and Health Focused Workshops and Training
It can be scary just thinking about money. You may not know where to start or even when you do, taking control of your financial life can seem so daunting. Let me help. Having been in this field for years, I know what works and what doesn’t and my programs are easily tailored and customized to your individual situation and unique considerations.
Life Improvement Coaching Programs
It doesn’t stop at money. Once we get the ball rolling on your financial freedom, we use that momentum and apply it to the other areas of your life. Maybe you want to get a handle on your finances so you can start that business or travel more. Whatever it is, together, we can help bring your vision to life.
About
Lorie Nicholas grew up in New York City during an era when the word community meant that neighbors looked out for each other, and people took care of each other. With this foundation, Lorie always believed in volunteering and giving back. Lorie has volunteered with many different projects involving youth, foster care, juvenile detention facilities, homelessness, building homes and improving communities, substance abuse, and human-animal companionship. Dr. Nicholas has an extensive background in counseling, teaching, and research. She has presented at many conferences and has conducted a variety of workshops and trainings. She holds a doctorate in Clinical-Community Psychology.
As a result of Dr. Nicholas extensive career, she is now branching off into building her own business- Dream Builders United. Dream Builders United was created out of Dr. Nicholas vision to help individuals and families achieve the dream of homeownership and financial freedom. Dr. Nicholas has counseled over hundreds of families. The primary factor that always stood out throughout her work was the problem families had as they struggled with managing their finances, often falling into debt.
Dr. Nicholas invested interest in providing financial education came as a result of wanting to help improve the lives of her clients, as well as a personal experience when she fell victim to the subprime economic downsizing (refer to Dr. Nicholas chapter as a co-author in “The Law of Business Attraction”). As a result of her commitment to community, and her desire to making a difference in the lives of the people she touches, Dream Builders United strives to educate individuals and families on issues pertaining to money such as financial stress, and managing money, so that if they choose to, they can obtain home ownership, and work toward building a legacy of financial freedom.
Dr. Nicholas is an inspirational and motivational speaker, best-selling author, financial educator, and real estate investor. Leading through experience and inspiration, Dr. Nicholas is the CEO of Dream Builders United. Dr. Nicholas is available for speaking engagements. To book her, click here. [link to contact page]
“To whom much is given, much is expected”
Contact
We’d love to hear from you. Whether you’re looking for more information about my programs or are ready to get started right away securing your financial future, simply fill in the contact form below and I will get right back to you.
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Office Hours
Events
Where will the Financial Recover Doctor appear next? Check this page often for updates on my workshops, activities, and speaking engagements.
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Services
Credit Restoration Services
We are dedicated to providing the materials and information you need to start you on your journey to recovery.
We focus on:
●Providing tools and resources for our clients to use to improve their credit scores and maintain good credit for life.
●Educating our clients about the do’s and don’ts of purchasing a home and obtaining a mortgage.
●Ensuring our clients understand the laws which protect them from unlawful debt collection practices.
●Rebuilding/restructuring credit reporting by enhancing and guiding the behavior which the three major credit reporting agencies look for in order to redefine credit scores.
●Navigating our clients toward making sound decisions that will ensure financial success and steering them away from creating negative equity financial situations that may tarnish their credit.
●Providing our clients with tips and shortcuts that will continue to reduce debt and increase credit scores through an understanding of how daily interest rates can affect principle and balance payoffs.
●Supplying our clients with knowledge to create financially sound budgets using formulas and worksheets that will enable them to start a business, start a family and plan for retirement.
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Credit Education For Individuals and Groups
We focus on:
●Making sure you know your rights with regard to debt collection practices.
●Helping our clients rebuild their credit reports by teaching them the positive behaviors the three major credit reporting agencies look for when re-evaluating credit scores.
●Giving you time-tested tips and tricks around how daily interest rates can affect principle and balance payoffs that will continue to shrink your debt and increase your credit scores.
●Giving you useful budgeting formulas and worksheets that will get you on track to start a business, start a family, save for college, or plan for retirement.
●Helping to steer you away from choices that create negative equity and may adversely affect your credit.
●Giving you updated, easy to use resources and tools designed to protect you in the event of financial hardship.
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Individual and Group Debt Management
A key component to finally fixing your credit is finding ways to manage and reduce your existing debt.
Enrolling in a Debt Management Plan is not the only option when it comes to paying off your balances for good. In fact, enrolling in a Debt Management Plan (DMP) can actually lower your credit rating even further.
As an alternative, we focus on developing your own debt management plan — one totally customized to your needs — so that you can feel confident in your growing money management skills.
First, we’ll need to break down the types of credit you have and to understand how each can be managed, whether it’s a mortgage, student loan, car loan, or consumer credit card debt.
Next, we’ll work together to establish a realistic budget that covers your living expenses AND enables you to start paying down your debts.
And for the final step, we’ll review your credit report and see where improvements can be made. This way, you can see the tangible effects of all your hard work!
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Financial Coaching
1. Evaluation
Your Financial State Isn’t As Bad As You Think– Consumers usually think their situation is beyond repair, but it’s hard to be objective when you’re in the thick of it. We will dissect your current situation and give a sound diagnosis for a path to financial security.
2. Planning
Creating a Budget – Budgets are key to the success of long-lasting prosperity. A well-planned budget can put your financial picture into focus and build a framework for moving beyond the cycle of debt. Itemizing your bills in detail allows you to clearly see how much income you need to live on and how much you can dedicate to debt elimination and wealth building. We can help you go on a successful “financial diet.”
3. Restoration
Negotiating with Collection Agencies – Collection agencies frequently attempt to collect debts past the statute of limitation. These debts can be challenged legally and then forgiven, without further harm to your credit. We’ll teach you how to talk to collection agencies and how to best respond to their phone calls and letters.
4. Maintenance
Creating a Long-Term Plan for Financial Success – We will help you understand how interest works and how to adjust your budget as your situation improves. Over time, you will be able to leverage your credit to build asset instead of liabilities, helping you grow your wealth and build a secure financial future.
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Signature Workshops/Trainings
Dealing With Stress In Tough Financial Times
Does Your Current Financial Status Have You Feeling Stressed?
Are you feeling overwhelmed and at times don’t know what to do?
Then this is the course for you. Learn how to handle stress during hard financial times, and how to alleviate some of the stress to help you feel better.
The Psychology Of Money-Mind - Mind Your Money, Or Your Money Will Mind You
Do You Feel Stuck In Your Attempts To Reach Your Financial Goals?
Do You Feel Overwhelmed As To Where To Begin With Handling Your Bills?
Perhaps how you handle your money and what you think of your money may be connected to your Money Personality and your Money Mindset. Learn about various types of money personalities and find out which one you are. Then, let’s build on improving your relationship with your money so that you can reach your financial goals.
Financial Freedom Empowerment: Financial Freedom Forecast
What can you do to forecast your financial future? The best thing to do is to:
1.Educate yourself about money.
2.Improve your emotional relationship with your money.
3.Take control of your finances, and become a smart investor.
Now is the time to get financially fit with your finances. Learn about budgeting, getting out and staying clear of debt, responsible saving, tracking your finances, saving for long-term purchases, and resources to teach you how to invest.
Products
Housing Report: An Action Plan for Victims of the Subprime Mortgage
This is your chance to learn the exact steps to recover and bounce back from financial hardship. According to the “Bail Out The People-Not The Banks” Organization ( approximately 15,000 families are being evicted from their homes each day and the number of job layoffs per month in the U.S. is rapidly approaching one million a month. Don’t be a victim and learn how to come out on top with this valuable report.
Searching for the “Success Secret” that will take you to the next level – both personally and professionally?
The Success Secret
Well, look no further than this book. Jack Canfield, America’s #1 Success Coach and co-creator of the legendary “Chicken Soup for the Soul” best-selling book series, has brought together today’s foremost thought leaders to reveal for the first time in print their own incredible success secrets.
Inside these pages, you’ll find the inspiration and motivation to move forward – as well as the proven action steps that attract abundance and bring fulfillment. These innovative experts deliver all that and more – because they have the spirit and skills to transform your life and help you create the wealth, health and happiness you’ve been waiting for.
This is the moment to embrace the life-changing techniques and transformational tools revealed in this book. So start reading “The Success Secret” today – and build an awesome tomorrow!
Millionaire Success Secrets: 33 Unique Ways to Think & Act Like a Top Achiever That Will Transform Your Business, Leadership & Life
This information can change your business if you take action and use these strategies and techniques. I have one goal: To inspire and empower entrepreneurs and authors to take the right actions so they can achieve a better, richer business and life.
"I HATE BEING BROKE: An Entrepreneur's Guide to Turn Your Financial Pain Into Profit!
25 Lessons to Overcome Money Problems To Stop Existing & Start Living"... PLUS Tiana’s Bonus List of 100 Quick Ways to Make Money with Little to No Money!
Resources
The Expert Success Solution
Check out Lorie’s chapter- “Survivin’ To Thrivin’ Through Financial Distress” in the #1 Best Seller book The Expert Success Solution
Make a list of 22 barriers to success in business and in life. The list will likely include everything from losing weight to making more money.
Now try to find one expert who can provide concrete, practical, proven solutions to break through all 22 barriers and you’ll soon discover there is no all-knowing guru or credentialed expert with the necessary skills and experience.
That’s why 22 leading experts came together to create the first collaborative 5-star success buffet with concrete solutions for the most critical personal and professional challenges encountered by men and women around the globe.
The Expert Success Solution combines 300+ years of experience in business and personal development to provide practical, step-by-step strategies in a fast-reading, entertaining, inspirational, hit-you-between-the-eyes, how-to manual.
Filled with thought-provoking questions and real-life stories, the tools provided here will solve existing problems and help you avoid life’s greatest speed bumps.
This is the juncture where motivation meets information and where the biggest decision you’ll have to make is whether to grab a tissue or a highlighter. It all begins with 6 simple questions…
The Law of Business Attraction
Featuring chapters from bestselling authors Harv Eker, Dave Austin, and Lisa Nichols, star of The Secret, and from corporate giants such as Greg Writer, CEO of a Children’s Educational Network and Gil Ortega, Hispanic Entrepreneur of the Year, The Law of Business Attraction: Secrets of Cooperative Success reveals why competitive methodology is no longer the smartest way to do business, and why cooperative business is the key to accelerated and successful manifestation.
Written by a range of entrepreneurs and CEOs in various stages of success—some just beginning their company, some on their way up, and some already at the top—The Law of Business Attraction reveals an important paradigm shift for the new economy.
In this collection of empowering stories, authors share poignant experiences, resounding victories, and heartfelt visions of a better business, a better life, and a better planet.
By following the cooperative business model the contributors in this book have attracted amazing opportunities, important strategic partnerships, thousands of customers, and billions in seed money and revenue.
Learn the true stories of how the contributors in this book…
* Built a multi-million dollar business from an investment of $50.
* Landed high-profile clients like Macy’s, Polo Ralph Lauren, Banana Republic, and Old Navy.
* Helped clients raise over $150 million in investment capital.
* Protected thousands of children from pornography, violence, and hate on the Internet.
* Helped clients secure over $1 billion in contracts.
* Empowered and educated distressed homeowners facing foreclosure.
* Transcended age, race, and gender barriers in the International markets.
* Inspired over 100,000 teens and prevented over 3,000 teen suicides.
The Law of Business Attraction will inspire you to envision a bigger dream, and the revolutionary cooperative business methodology will help you achieve it!