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 1
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. It’s very easy to see that you’re in debt; the bills just keep coming and coming. But it’s not so easy to see why you got into debt and how you can get out. Well, credit cards are the easy answer. You over use them and now you’ll stop. But wait, the real answer lies deeper than that. In fact, it lies within you. Carol Tuttle, author of “Remembering Wholeness”, is here to help you uncover the root causes of your debt and put you on a path of creating financial abundance for yourself. And you can start today. Carol, welcome. We’re about to talk about the most important aspect in getting and staying out of debt, but before we do I’d like to know why you became interested in helping people turn their lives around.
Carol: Well, it started with my own problems.
Tom: Ah, personal problems. All right.
Carol: Well, specifically if we’re talking about money, I had a lot of debt. My husband and I created a fair amount of debt in our marriage about twelve years into it. We are now twenty-five years into it and we’re debt free on a monthly basis and that’s awesome.
Tom: Wonderful.
Carol: And really, seriously through my own efforts in many different things I have ended up dealing with personally, I found things that made a difference and worked and I knew I was meant to share that information and help a lot of other people. And I figure, you know, what’s the point in creating all that pain and suffering if its not gonna help a lot of other people.
Tom: Well that’s fabulous.
Carol: That’s been my intent.
Tom: That’s exactly the reason I am here. I have lived a life of pain and agony, being in debt endlessly, and through my own personal searches and efforts I’ve been able to turn things around. And I feel exactly the same way, its my job now, my duty really, to share.
Carol: Right. I agree.
Tom: And I know that your work helps a lot of different areas other than debt.
Carol: Right.
Tom: But all of things that you teach, I think, are applicable to debt.
Carol: Completely. And it’s interesting how money, money problems, the experience of money, is probably one of the more compelling issues people are dealing with. I’d say that, and probably relationship problems. But money problems always disrupt relationships. So, I think its one of the leaders in what causes a lot of the problems people are having is the money issues that they have and the experience they’re having with money has really got them taking a lot of time and attention.
Tom: Yes, now, obviously if there has been an accident in the family or if you’ve been laid off unexpectedly there can be financial traumas that occur.
Carol: Sure. But even then, you know, depending on, it’s the whole, you know, I’m what’s called an energy psychologist, energy therapist. I work with people’s, basically their energy of thoughts and emotions, how we’re responding to life, what kind of thinking processes and patterns do we have, what kind of emotions do we have in regards to our life experience? You know, it’s the old “do you see the glass half-empty or half-full” and that’s gonna make a huge difference regardless of the experience and the level of suffering you may be having. And you know, you have to dig as deep as you have to as you well know Tom, that, you know, there’s gonna be some challenges in life and they’re really meant to bring the best out and that’s if we’ll let them.
Tom: Now in addition to seeing the glass half-full or glass half-empty, I think in many times in my life I’ve seen it as just being a leaky glass. And no matter how much I struggled or even had succeeded in filling the glass, it still seemed to leak out. And I know that this has primarily or a lot to do with my attitude about my relationship towards money.
Carol: Most people from my experience of literally working with , you know, thousands of people on money issues, that they inherit, most people inherit programming about money from their family. They’re taught about money as a child, they’re taught about and they create a relationship with money all through their growing years and most people are just recreating what we call in my work “generational patterns”.
Tom: When you say “taught” we’re not really taught in the sense of sitting down and being taught as in a class.
Carol: Not intentionally. It’s accidental. Its just what’s modeled, what’s offered, and what we pick up on. I teach parents, um, “What are you teaching your children about money by your relationship now?”. It’s indirect teaching, but it’s being taught. And so people that grow up in affluence have more tendency to have an affluent mind. And people that grow up with a lot of language and belief around there’s not enough money, if that’s always what’s expressed, they have a lot of money issues. They have a lot of struggle with money, a lot of tension and stress with money because there’s just never enough. That’s one of the primary beliefs that people hold that creates debt is there’s not enough and I can’t make enough.
Tom: Well, in speaking of language, when you said that it brought something to mind that I, as a youngster, was speaking English well before I went to class to learn English.
Carol: Right.
Tom: And the reason I was speaking English is that everyone around me was speaking English. So I obviously picked up on what was around me, and it works the same way with our relationship with money.
Carol: Yeah, and I learned that with our children, (we have five children). And when I started to understand the psychology of money and that my relationship with money was going to be continually recreated as long as I kept believing the same and feeling the same about it, how many times did my children in their younger years hear me say and my husband say, “We don’t have enough money. We can’t afford that.”? And, you know, what are they being taught - there’s not enough money in this world. And that’s, in today’s world, there is an infinite amount of money. Money has no limit.
Tom: Interesting you would say that. I just was reading about the new list of the four hundred wealthiest people in America.
Carol: Yeah, I’m sure they’re in the billions.
Tom: They are. In fact, they’re almost all billionaires now.
Carol: Exactly.
Tom: The interesting part was that many of the people who were originally on the list, well, some of them died, some of them gave their money away, but most of them were just surpassed by young people who were coming up with great new ideas, who were creating additional monies.
Carol: Yeah. I’ve always said if you’ve experienced bankruptcy you did not do that with currency. You did it with credit. You did it with surreal money, non-tangible energy that created that in your experience. And that’s one of the concerns is that we aren’t touching money, we’re not grounded with money, and so people become disassociated from money and they aren’t having to be accountable necessarily cause its so easy to be, you know, third party to it. If we had a strict currency commodity, or economy, you’d have less people in bankruptcy just because you’d be very aware of when you ran out. And that’s one of the things that works against us in this whole debt and bankruptcy world that we live in is it’s easy to create debt. And yet people don’t understand how they’re energy, their thoughts and their feelings are feeding that whole pattern.
Tom: Well, the exciting part is we can turn this around and in our next segment we’re going to be talking about how you can change your thoughts from poverty to prosperity. Carol Tuttle, you can find Carol if you’re interested at CarolTuttle.com. Her book “Remembering Wholeness” is a great start. And she offers some great counseling; we’ll be talking about that in the next segment. If you have any questions about getting out of debt, visit ihatedebt.com. We’ll be right back with Carol Tuttle. This is Tom Allen and “I Hate Debt”.
Read the transcript of Carol's next segment Changing Your Thoughts From Poverty to Prosperity
Carol Tuttle The "Why" Behind Your Debts
Get a fresh start with money by listening to Carol Tuttle's energy clearing "Creating Money" CD.
If you find this information helpful I ask you to contribute $1 (or more) to help me help more people. You can contribute using PayPal using this button
Or you can mail in your contribution.