Eliminate Debt For FREE!
The weight of your debt is dragging you down.
You want to do the right thing, but you just can’t seem to figure that out.
Debt consolidators seem to hold the key with lower monthly payments.
You could totally live with lower payments, but is debt consolidation safe?
You don’t want to make a stupid decision. You should be smarter than this.
It’s Possible.
I found out that it IS possible to do it yourself. You don’t need to pay debts consolidators.
I know someone who’s been doing it successfully for over two years.
If you knew how to manage your payments and kept up the discipline, you can do it too.
There are any number of books you can read about how to do it. It’s not really rocket science.
The hard part is the self discipline of keeping at it. One study found that only 3% of the people who buy the book or take the class succeed in getting rid of their debt.
Is that you? Are you part of that 3%? You could be. Somebody has to be.
Single Mom
My friend is a single mother of one son who bought the book 4 years ago. She knew that she should do something about her debt. She bought a book. She didn’t do anything for 2 years.
She struggled with wanting to, but not doing anything for two years. It took someone telling her that they would help. They would watch her son while she went to a class and also pay for the class.
When she finally got there, she took hold of it and made it happen. It changed her life. She’s got the freedom today that she’s always wanted.
She can do things for her son now, and not worry about being weeks away from financial collapse.
The Solution
The problem that most people get into, when they try to pay off their debt, is that they don’t have a plan. They are reacting to the bills as they come in, instead of being proactive, and attacking the bills.
The solution to getting rid of your debt, like most things in life, is having a plan.
The basic idea is that you should find out what all of your bills are now and how much you pay out every month.
You should keep track of all of this.
You should put any extra money you have towards paying off the smallest debt. Keep making payments until that small one is gone.
The Trick
The trick is that you take the money you were paying on that small debt and put that towards the next smallest debt. You keep paying the same total amount every month.
This plan has been called a “debt snowball” because as you pay off the smaller debts, you can pay more towards the larger debts. Your payments are like a snowball, rolling down the hill, getting bigger and bigger, wiping out smaller debts faster and faster.
It should be called a “payment snowball”.
(When you’re done paying off all of your debts, you can lay down and make “payment angels”.)
The Hard Part
That’s not a hard concept to understand.
The hard part is actually doing it.
If you wanted to lose weight, I would tell you that you should eat less and exercise more. Would that help? You already knew that. The tough part is actually doing it.
The first time you pay off that small debt, you have the extra money in your hand and you really, really want to celebrate. You want to go to the store and buy something.
Just because you can.
An Easier Way
There are ways to get people to help you do this process. I’ll point you to a friend of mine who is the Regional Director of First Step Financial Group, a debt reduction company that manages the process of paying off people’s debt.
If you chose to use her method, you would make one payment a month and they would automatically do the rest of it for you. They have a third party administrator that manages paying for all of your bills for you.
You would never have to worry about missing a payment or knowing how much to pay on which bill. That’s their job, not yours.
This is the lazy man’s answer to bill paying AND becoming debt free at the same time.
If you want more information about that program, fill this out and I’ll have her email you with more details. She can run an analysis on your specific situation, so you can make an intelligent decision.
Do It Yourself For FREE
If you want to try it yourself, if you think you are one of the 3%, then more power to you! I’m here to help you make that a reality.
Now, there are two hurdles that people must get over to be successful.
The first is knowing precisely what to do.
The second is doing it.
And I Can Help!
I’ve set up an automated system that can help you with both of those tasks.
If you fill out the form at the bottom of this article, you will be receive an automated series or emails, sent at specific periods, to show you what to do, and they remind you to keep doing it.
It will send you a worksheet to fill out at the beginning. It will walk you through the 7 steps to making your specific plan over the course of a few days.
It will progress through a series showing you tips and tricks. You’ll receive an email every couple of weeks after that to encourage you along the way.
I’ll be your accountability partner, giving you the advice and support you need to be successful.
Of course, I won’t sell your email or do anything evil with it. You can unsubscribe any time. My computer spits out the emails, so I won’t be offended if you decide to stop them. You’re in total control of this process.
If that describes you and what you want to do, put in your name and email below, and hit “Show Me How!”