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.	How to Stay Out of Debt The way to stay debt-free is to: 1) Stop creating debt 2) Pay off your debt 3) Don't create any more debt Have I mentioned this before? If you need to know why, it's simple. There is a huge number of people (you're probably one of them) who will make the decision between having over $1,000,000 at retirement age or being broke. You will choose every time someone asks you, "Will that be cash or charge?" If you pay cash and invest the amount you would have been paying in fees and interest, you'll be rich. Charge it and you'll be on the way to the poor house. It's as simple as that. As with anything else, to change your current path you must know why you want to change. You must have leverage over your emotions, your habits, and your conditioned reflexes. In short, you must be convinced that you must change, it can not be an option, it must be a must. But First, A Little Celebration As you make your way down the debt-free path it's important that you celebrate your successes along the way. For more on this see the Same Money - More Fun When you are finally debt-free I feel it's important to take some money, like a month's worth of payments, and spend it to treat yourself the best way you know how, and if necessary, learn an even better way to treat yourself just to get the most out of your celebration. You deserve it, and as you look around you'll know that you are one of the very few people in this world who are debt-free. Use your money for your celebration, use it without guilt or shame. Of all the things that money can do one of them is treating yourself. Same Money - More Fun Prosperity Pitfalls You're going to meet some resistance on the road to prosperity. As much sense as it makes to live a debt-free and prosperous life, you're going to run into some very strong challenges to your common sense. You're going to hear voices telling you that you need credit, that you're only as good as your credit report, that it's just the way things are done. Some of these voices will be from family, some from friends; some will be your own inner voice trying to draw you back into the old comfortable pattern of debt. And don't forget about those multi-million dollar advertising campaigns aimed at separating you from your common sense. They are very effective but don't be swayed back into the depths of debt. You may even fall back into the credit/debt trap. Just stop, take a deep breath and don't beat yourself up if you mess up. Keep your mistakes small, pay them off quickly and get back on the debt-free path. If you want to shut up your critics, just challenge them. Usually the question, "How much credit card debt do you have," will be enough to shut them up. Don't Confide In Those Who Don't Support You There are going to be a variety of reason why people don't offer support to you on your road to debt-free living. Maybe they don't understand the concept, maybe they're jealous, maybe their stup... um, maybe they don't understand the concept. Let's assume that even your critics are well-meaning folks. They may be family and friends but if on this point they can't support you, don't talk to them about it. A Real Emergency Life just doesn't seem to make things easy on us. It's my belief that our challenges benefit us in ways that we may not fully understand. I'm ready for an even-keeled life that's without challenges but I know that the place that happens is not in this life. Emergencies happen and if you're dealing with them causes you to need to accept help, please do. If the help is in the form of temporary debt, so be it. Stand up to the challenge, confront it if you must. Conquer it, pay the debt back and move on without regret. Make Your Pitfall Short Pit Stops Then Move On If you fall off the horse, get back on and ride. If you can learn from it, learn. Don't agonize over it; just put it in the past and move on. Focus on your goals and what you can do today to get there.	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 more I learn about being in debt and what it takes to get out of and stay out of debt, the more I’m convinced that it’s our emotions and our habits that keep us tied in bondage to debt. I believe that you must take control of your finances to get out of debt. But it’s the taking control of your emotions and your habits that will keep you out of debt. 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 Here is a great place to find coupons and money saving bargins!

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