10 Years of Debt Advice Help
debt relief experts for 10 years running

Free Debt Relief Report

debt relief report

Grab Your Free Report Now

How To Become Debt Free!
"The Debt Relief Secret"


Lesson 5 The Percentages are in Your Favor

Your Best Financial Advisor
Your Best Financial Advisor - Listen to Your Gut Feelings

Nobody will look after your money like you will. No one knows you like you do. Keep your eyes, ears, and mind open when it comes to learning about the financial world. Get as much advice as you can. Pay for good advice when you need to; it’s generally well worth the price. In the end it’s your money, it’s your life energy, and you will make the decision.

It’s okay to make the decision to let a financial professional handle the investment specifics for you. Make sure they know you, your money and your tolerance for risk. For many people knowing that your money is being professionally handled is well worth the price. Remember, even the decision to let someone else handle your financial transactions is your decision.

Experience is the best teacher. Start getting your experience now, when the numbers are small and the risk is little. Practice on paper before you invest real money. Track your investments. Learn from your successes and your “not successes.” What a good investment is will depend on many factors including your personal situation and the situation of the investment world and the world in general. What may be a good investment now may be a disaster in a couple of years. You must continue to pay attention.

Trust your gut feelings. It is said that while thought is carried out in the brain, we don’t really know where thought originates. The latest studies seem to show that chemical reactions linked to a thought occur simultaneously throughout the body. A chemical reaction would occur in the brain, the skin and the stomach at the same time.

When we consider a thought as coming from the brain, we tend to analyze it and question it. If we don’t like the thought, we use our thoughtful logic to refute it. We let our doubts and fears take over. When we have a gut feeling we tend not to analyze it in the same way. Even if we do challenge it we do it in the mind, not the gut. More often we either go with it or dismiss it. Trust yourself. Quiet your doubts and listen to your gut feelings. Even if they’re not perfect they’ll serve you well in the long run.

Make Your Lunch and Get Rich
Make Your Lunch and Get Rich The difference between getting rich and just getting by can be a simple as taking your lunch to work. If you spend as little as $4.00 a day for lunch, five days a week, after just one month you’ve spent $80.00. By spending $1.50 and making your lunch in advance, you will, in addition to probably eating healthier and saving time, get rich. With the time you save going to get lunch ordering eating and getting back to work, learn about the great investments you can make for just $50 a month. That’s the exact amount you’ll save by taking your lunch to work.

If you can only save a dollar a day, then look for investments for $25 a month. There are lots of great ones out there. I have twenty five dollars taken out of my checking account every month and it goes towards buying one of America’s most successful companies. It is currently expanding internationally and the greatest part of its success appears to be in the future. Every day at lunch I could by a 20 oz soda for a dollar, but I don’t. Every day the dollar that I save goes into creating world wide prosperity for me, prosperity that I will enjoy every day so long as I own that stock.

Let’s look at what kind of prosperity $2.50 a day will buy you.
For $50 a month you can find a good mutual fund that will invest in dozens of stocks. When you do this you will own stock in these companies. You then have the right to feel prosperous when ever you see someone enjoying a product purchased from one of your companies. More than the right to feel prosperous, you have the “Art of Prosperity” duty to feel prosperous every time you see someone adding to your prosperity.

Smart Spending
Smart Spending When you understand what it really costs you to live each month you have real power over your money. When you understand what you spend over a year, divide it by twelve and that’s what you need to bring in every month. Some months it will be more than you need so you save the rest for the months when it’s not enough.

One of the most powerful tools I found for building prosperity was learning how to spend money. I can imagine one of you talking to someone telling them you took a class on how to spend money and they’d say, “That’s stupid! I know how to spend money. I get paid Friday and before I go back to work on Monday it’s all spent. I don’t need a class to tell me how to spend money."

This is not about wasting money by spending it as quickly as it comes in, it’s about thoughtful spending, smart spending. It’s about allocating your money so that it does what you decide in advance not just popping out of your pocket every chance it gets. Plan where you want your money to go and then when you receive it, immediately put it there.

As you practice the habit of smart spending you will find that with the same amount of money to start with, you will have more money to do the things you want to. When you find that smart spending leaves you with more money, you will have more money to invest. When you invest more money, your money grows faster, producing even more money. Then, when you use smart spending with your “more money”, you will find that you have “more, more money” and before you know it, it never stops. You’ll always have more money.

Spending Your Money - What are you thinking about?

  • Do you spend money and then have no idea where it went?
  • Do you ever feel guilty after your spent money?
  • Have you ever bought something and never used it?
  • Do you spend more money on your friends than you can afford to? Why?
  • Do you find yourself buying more presents for you children for the holidays or their birthdays than feels right to you? Why?
  • Will you spend money on others but never a penny on yourself? Why?
  • Do you send things Federal Express or next-day air because they’ll come pick it up, rather than going to the post office to mail it far more cheaply? Why?
  • Have you ever bought something and decided when you got it home, that you really didn’t want it, but didn’t return it for a refund? Why?
  • Do you give to charities because you really believe in the cause or to impress people? Why?
  • Do you put away as much money as you possibly can for retirement each year? Why not?
  • Do you return videos a day late and have to pay late fees even though you’ve already watched them? Why?
  • Do you often go out for dinner just because you don’t feel like cooking? At what cost over time? Why?
  • Do you sometimes pay your bills late when you don’t have to? Why?

Think in general terms about being respectful. Was there a time in your life when being respectful brought great results? Was there a time when being disrespectful brought disaster?

On To Page 3


"Thank you for your help and resources. I had no idea how to handle my creditors until I found your website. Yes, there is light at the end of the tunnel!

(2nd Grade School Teacher, Washington)

"I appreciate your helpful information. We were able to work out a deal that is a win win situation for me and my debt collector's. Thank you so much.
Julie T.
(Receptionist, Texas)


debt relief ebook

Learn How To

checkmark Reduce Debt by 40- 60%

checkmark Avoid Bankruptcy

checkmark Eliminate Collection Calls

checkmark Know How Collectors Think

checkmark Become Debt Free



Get Your Free Report

How To Become Debt Free!
"The Debt Relief Secret"

debt free book


Debt Calculator

See how long it will take for your debt to get paid off with one of these four options. We have listed a standard debt amount as a default on the debt calculator. You will need to enter your current personal or business debt amount below to see what your debt payoff amounts will reflect.

What's Best For You: Minimum Payments?

Debt Consolidation?

Credit Counseling? Debt Settlement?
Total Unsecured Debt $30,000.00 $30,000.00 $30,000.00 $30,000.00
Months To
Get Out Of Debt
430 60 60 36
Interest Rate 18.9 % 12 % 10-12% Ave None
Total Interest Paid $49,978.53 $10,040.01 $21,300.00 None
$900.00 $667.33 $855.00 $458.33
Total Cost
To Be Debt Free
$79,978.53 $40,040.01 $51,300.00 $16,500.00
Monthly Payments   Months To Get Out Of Debt   Total Cost To Be Debt Free
Minimum Payments Debt Consolidation Credit Counseling Debt Settlement
Enter Your Debt Information Here:
Your Total
Unsecured Debt:
Your Average
Interest Rate:
Months To
Be Debt Free:


PLEASE NOTE: This calculator gives you an estimate of how much it will cost you to get out of debt, how long it will take and how much your monthly payment may be with the different options to pay off your debt. Keep in mind "Minimum Payments" assumes you NEVER make any further purchases on your credit cards and the credit card companies NEVER raise the interest rate on your cards in the future from the rate calculated above. The "Debt Consolidation Loan" example is usually only possible when taking out an "equity line of credit" or "second mortgage", which involves securing your unsecured debt with your home. This is a very risky option for most people because the home could be foreclosed if you cannot make the payments.