Debt Elimination Success Seminar
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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
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Prosperity Coaching |
Host: Tom Allen
Guest: Carol Tuttle
Segment 4
Tom: I’m Tom Allen and I hate debt! I invite you to make the decision today to join with me in living a debt free and prosperous life. For most of us getting into debt wasn’t hard. Heck, it just seemed to happen without us really doing anything or even noticing. Well, surprise! Getting out of debt can happen the same way. Carol Tuttle, author of “Remembering Wholeness” and the CDs “Creating Money” and “The Art of Manifesting” is here to make it easy for you. Carol, I think the hardest part of readjusting your thinking may be understanding how easy it can really be. You believe in change with grace and ease. How can we move out of debt and into money with grace and ease?
Carol: Well, just with the few comments you just said the thought came to me and I realize I say this to myself periodically is money is easy. Start chancing that, seriously. Because you need to reframe your whole concept of money. Money is easy. Wealth is easy. Because we do have a belief that it’s easy to get into debt, it’s hard to get wealthy. You need to shift that. The other thing I think is important is because we do have such little contact with currency, you need to have some real money to interact with. I always carry at least a hundred or more dollars in my wallet because it creates a sense of wealth, a sense of yeah, I have you know, for what my needs are. Because we want the benefits of frequent flyer miles and such and we’ve learned to be really accountable with credit cards. Until you can do that stop using the credit cards. Get connected with money. We did that in our transition to get out of debt. We shut down all the credit card purchasing, no more electronic money. You know, we had to get involved with our checks and our cash, just because there’s some things that, like our house payment or whatever it is, that we need to write a check for.
Tom: Sure.
Carol: My husband actually did something that was really, I think, fascinating. We got really good at refinancing our home several times around to get a little more cash out of the loan.
Tom: OK.
Carol: And I think about the third time we had done this in a couple year period when we were in that high debt level. We had an extra ten thousand dollars. We were never in excess at that point but the way he managed the loan he was going to get in return ten thousand that would then be applied to other debt.
Tom: Sure.
Carol: But, before he did that he went to the bank and he asked to get ten thousand dollars in currency to withdraw.
Tom: He probably had to fill out one of those IRS forms then.
Carol: Yeah.
Tom: Wow.
Carol: They kind of looked at him like, what?
Tom: Yeah.
Carol: And he asked for it in twenty-dollar bills. And there was a whole point in this. He has never experienced very much of a connection with money, with currency. The family he was raised in, money was real removed from their talk. They didn’t talk about money with their kids. It was just sort of something that was aloof, and they didn’t really talk about it. And that’s really common for a lot of adults, that money was something you didn’t discuss, you know. So he realized he didn’t have a very good connection with money and especially with wealth; that it needed to happen. So he went down to the bank and got this ten thousand dollars in currency and he says he felt very vulnerable carrying that money, you know. Cause he’s like, “I really have to be responsible for this”, you know. And he came home and went to his office and he spread it all out on the floor. And he was surprised because I went in there and he said, “You know, you’d think this would be a lot of bills”.
Tom: Yes.
Carol: And its, you know it’s a significant amount. But not when we think of ten thousand dollars.
Tom: Yeah, it didn’t fill up the closet or anything.
Carol: No, not at all. And he just experienced that money. Our kids at the time were younger, they were in grade school, and he brought them in and really talked to them about money and how much money that was. He had it in the bank the next day.
Tom: Yes.
Carol: But it made a transition for him that it was, ok, “I am able to deal with money. I am good with money. I am relating to money.”. A lot of people have a resistance to that. They just want their money problems to be taken care of, to be turned around without going through the steps to do that. So, you know, what I offer are those inner steps, how to shift your inner being so that it can start to create that positive experience with money. And we’ve been very successful in that so I’m grateful for the experience because I’m now in a different experience.
Tom: Yes.
Carol: I did not like it when I was in it. It was in every way burdensome every day of my life. And one thing I was taught from it, I thought I couldn’t be happy until our money problems were gone. And that was probably one of my biggest lessons that I chose to learn. It was a spiritual aha for me that I dealt and pressed and felt prompted to really understand that my happiness should not be attached to my money, that that was a choice that I could make regardless of my external world and whatever problems we had to solve. So I made a real shift in that and I talk about this in my “Creating Money” CD how I went through that transition that everyday I noticed where was I at with the money. Was I sad? Was I angry? Was I choosing to not to be happy because we had money problems? And I made a conscious choice as often as I would remember to be happy, to say, “I am happy now”. I am happy without having, even now, and I also pulled it all closer and I would say things like “do I have enough money for the next twenty-four hours?”. And even though we were more in debt than we were in the positive side I could say “I’m gonna be ok”.
Tom: Yes.
Carol: It’s when you get off into that six month, one year. If you’re unemployed, if you’re dealing with that situation you can seriously get off into these mind tangents that are overwhelming. And you’ve gotta pull it all back to a real present experience and say, “Am I ok right now? Am I safe? Are my children safe? Yes, we can do this.”.
Tom: Well that’s so important because no matter how many bills are sitting on the kitchen table you can learn to be as happy as you can be today.
Carol: Yeah, you can say, “Even though I have all these bills and I do not like them I am choosing to be happy”. So you acknowledge the current situation and on the Learning Center we teach those kinds of steps. And those are parts of the sessions you go through like teaching a language. Cause its not like you’re trying to ignore the situation. So that’s a really good reference, a good statement: “Even though I have these problems I am still able to be happy”.
Tom: Yes, because you are, you are bigger than your problems.
Carol: Mmmhmm.
Tom: Your money problems, believe me, they are temporary. If you make the decision to change your life the money problems will go away. Quite frankly it’s a lot easier to get rid of your debt than it is to get rid of a serious illness.
Carol: It really is. It’s true. Good point.
Tom: Money is everywhere. You can walk down the street and find a twenty-dollar bill. But you can’t walk down the street and find good health.
Carol: That’s right.
Tom: It just doesn’t come to you that way. And if you’re thinking it takes a lot of effort, Carol as you were saying, being in debt, it’s being in debt that takes the effort.
Carol: Yeah, you know, I think it takes more effort to manage your debt than it does to be wealthy.
Tom: It does.
Carol: You can always hire somebody to manage your wealth.
Tom: Exactly. There’s not a problem that money creates that can’t be solved by money.
Carol: Exactly.
Tom: But being in debt, if you’re thinking that it’s gonna be hard, don’t think that way. Think that money comes to you easily. And know that any effort that you do need to put into managing your money is going to be so well worth it because again it’s a lot easier to make the effort to become wealthy than it is to live with a day to day debt problem.
Carol: Mmmhmm. I was a lot less spiritual when I was in debt than I am now cause I was angry a lot of the time. So, I find it to be much more uplifting to have the resource of money in my life.
Tom: And I will even tell you that if you are angry and if you are in debt you may have very good reason to be angry. Its ok in the short term, for a little bit of time to be angry at your credit card companies, your bill collectors. Be angry at yourself, be angry at anyone if it gets you motivated to the point where you’re going to say, “ I’m going to change my life today and I’m no longer going to take this”. Carol Tuttle, I really appreciate you being on the show today. And one more time give us those new web site addresses.
Carol: It’s Caroltuttlelearningcenter.com
Tom: And you can go there, get started today on the way to getting out of debt and to creating, manifesting money and creating money. One great way to get out of debt is to of course make more money. The I Hate Debt Show is made possible by its sponsors and by contributions of listeners like you. I Hate Debt is not designed to substitute for qualified financial or legal advice but to motivate you to take control of your finances to get out of and stay out of debt. For more information on getting and staying out of debt visit IHateDebt.com. I’m Tom Allen and I hate debt!
Carol Tuttle Moving Into Money with Grace and Ease
Get a fresh start with money by listening to Carol Tuttle's energy clearing "Creating Money" CD.
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