Debt Elimination Success Seminar
I Hate Debt Homepage Section 1 A Look at Debt History of Debt Credit Card History Current State of Debt How You Got Into Debt Good Debt Bad Debt Business vs. Personal Debt Section 2 Dealing With Your Money The Two Step Plan Doing The Two-Step Step One Step Two The Paths Out of Debt 1- Create a Debt Payment Plan 2- Neogtiate Better Rates & Terms a.Consolidation Loans b.Consumer Credit Counseling Services 3- Negotiate Lump-Sum Settlements 4- Bankruptcy 5- The Easy Way 6- Win $1,000,000 Living Debt-Free Manage Your Money Make More Money Save Money SameMoney-MoreFun Stay Debt-Free You as a Business Section 3 Dealing With Your Creditors Alerts/Scams The Credit Industry Credit Industry The Fine Print The Secondary Debt Market The Debt Collection Process Original Creditor The Charge-Off Collection Agency Legal Problems Dirty Creditor Tricks Dealing with Debt Collectors Dealing with Debt Collectors Statute of Limitations Cease and Desist Letter Section 4 The Credit Report The Credit Report Credit Score Credit Repair Section 5 Dealing With Yourself The Critical Factor The Art of Prosperity The End of Failure Prosperity Coaching Section 6 Kids and Money Kids and Money How to Pay for College Section 7 Debt Information Bookstore Debt Facts Radio Show Resources About Us Privacy Policy Site Map If you find this information helpful I ask you to contribute to help me help more people. You can contribute through PayPal by clicking on this button Or you can mail in your contribution.	Save Money - Make Your Money Go Further There are two times when saving money is important. One is when you need to get out of debt. The other is when you want to increase your savings and investments. Basically this means it's always important. Is Your Money Falling Through the Cracks? Does your money just seem to disappear? Well it doesn't jump out of your pockets by itself now does it? The following has been provided by Barbara Dixon. She was a recent guest of the I Hate Debt radio show. She is a success coach, has written several books and is the creator of The Mindful Millionaires Game. Make your own coffee for your commute. Use a spill-proof thermos to keep it hot. Drink water instead of purchasing sodas from vending machine. For you bottled water people, buy in bulk. Give service gifts like babysitting, housecleaning, mowing someone’s lawn, cooking, etc. Camping is fun and inexpensive; much cheaper than a resort vacation. Buy in bulk the things that you frequently use; it saves time and money. Stop subscriptions for magazines that you don’t read. If you are a couple of months behind on your reading, you will probably never get to it. Always shop from a list and don’t deviate. Use coupons and actually save the money! Make “spending less” a game; have fun with this process. Take a vacation in your own home town. You will see it with new eyes and appreciate it more. Get a free checking account. Pay your bills on time, avoid late fees. These tip have been provided by Barbara Dixon. They and many more can be found in her book "Is Your Money Falling Through the Cracks?". Stretch Your Money You can make your money go further. And you can do it painlessly. And you can have fun too! The following has been provided by Kimberly A. Griffiths. She was a recent guest of the I Hate Debt radio show. She shares her personal experiences while getting out of debt so that others can benefit from her successes. Listen to Kimberly's interview here. 10 Ways to save $50 per month:The art of pinching a penny until it screams Save up to 50% per month on convenience cleaner cloths by cutting them into half, i.e. dryer softener cloths, face cleanser cloths, etc. Savings: $5 per month Find more thoughtful gifts and buy when the item is on sale, shop for birthdays and holidays throughout the year not at the time of the events. Savings: $10 per month Bring your lunch to work once a week instead of eating out. Savings: $7 x 4 weeks = $28 per month Don't go to the coffee shop on the weekends. Savings: 2 visits @ $2 = $4 per week x 4 weeks = $16 per month If you carry a balance on your credit card, and you're only able to afford paying the minimum monthly amount, pay weekly installments instead of one monthly payment. For example, if you owe $100 per month, pay $25 per week. Because credit card companies accrue interest daily on your balance, paying only once a month is a huge detriment to your fiscal health. Savings: $10 - $100 per month (or more!) Instead of a family night out, consider having an old fashion picnic together or a bike ride. Curbing entertainment costs doesn't mean curbing the fun. Savings: $25+ per month Spend a day cooking meals that can be frozen for later use for your family. Once-A-Month Cooking, a book by Mary Beth Lagerborg and Mimi Wilson, features grocery lists and recipes to prepare and freeze a month's worth of food for you and your family. Not only are you able to purchase the food in bulk, this method prevents having to throw away any spoiled food. Savings: $50+ per month If you are a regular monthly book buyer, stop the habit and visit your library instead! If you insist on buying books, buy it used at your local store or online at merchants such as www.half.com or www.amazon.com. Even a better idea, how about selling the books you have that you don't need! Savings: $5 - 15 per month Use less expensive gasoline. If you live in North America and have Internet access, you are able to search for the cheapest gas price in your neighborhood with Gas Buddy, www.gasbuddy.com. Savings: $5 - 15 per month Use two-for-one coupons when dining out; search for these in local newspapers, flyers, and in your "junk mail." If you are a group of four or more people, consider buying dining certificates at Restaurant.com, www.restaurant.com. After choosing your city and state on the Website, you will be presented with a listing of restaurants vying for your dining dollar! Savings: $5- $50 per month This is an excerpt from One Paycheck at a Time by Kimberly A. Griffiths, ISBN: 1591133327. ONE PAYCHECK AT A TIME, a 200 page workbook, contains budget management exercises for an entire year of paychecks. The author, Kimberly A. Griffiths, has been through the vicious cycle of debt herself, and provides a no-nonsense system to managing your money paycheck to paycheck. You customize the journal based on your pay schedule and learn the necessary tools for making ends meet. Money Saving Articles by Kimberly Griffiths Bank Like a Banker 6 Saving Tips When Moving	Listen to the I Hate Debt radio show interview with Gary Foreman editor of "The Dollar Stretcher" Why Controlling Spending Creates Freedom Saving on Food and Groceries Restaurants for Less Saving on Gasoline Without Trading your Car For more information visit The Dollar Stretcher To fully understand how you relate to money and how this affects your financial life, I suggest that you take the Art of Prosperity course. The Art of Prosperity The Invest In Your Debt Online Seminar will teach you how to transform your debt from financial burden to financial opportunity. Then show you how to build personal wealth and achieve true financial freedom. Get a fresh start with money by listening to Carol Tuttle's energy clearing "Creating Money" CD. You'll find it in her Store under Live Presentations CD and DVD. The Millionaire Mind Intensive seminar will help you uncover your personal money roadblocks. Then it will help you create unstoppable success strategies. You have more control over your spending than your income, so why not put time and energy into the area you control more? Dollars are leaking our of your life each month, like water from a bucket with holes in it. Spend Smart will help you plug these holes in your financial life and put extra money into your pocket each month. Spend Smart

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