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Get out of Debt |
Getting out of debt is no easy task. You must have disipline and be willing to change your behaivor forever. Think you can fix it by filing bankruptcy? Your wrong. How many people do you know who filed bankruptcy mulitple times? The real answer is to pay that debt off forever and we will show you how. |
But I'm Broke! |
I have no money to get out of debt, infact im thinking about filing bankruptcy. We can't even pay our light bill. In reality this just isn't true for the average person. Most people can pay thier bills they just don't realize they are wasting a ton of money. Not you? prove me wrong... |
Okay so I have more then I thought now what? |
Did you have a surplus after working the wasted money worksheet? If so thats great you will soon see how to use that money effectively. If you honestly don't have any money left, and that should not be many of you, its time to do some major spending reduction. |
The Emergency Fund |
Now we are very close to getting out of debt. However we must put the most crucial part of the debt plan into action. The emergency fund. Why do I need an emergency fund? How long will that take? |
Freeing more money |
How can I free up more money? It is going to take me forever to save up my emergency fund amount. Help ...... |
Bankruptcy and other myths |
Why not just file bankruptcy? There are many many reasons why this does not and will not work. |
There are lots of places to find bargin items. Stop paying full price. |
Financial Books |
Not convinced, or just need more information check out these discounted books. |
I Really am Broke |
I did the financial worksheet and I really don't have any money left over. What do I do now? |
Debt Snowball |
Okay, I have done my expense worksheet and my monthly budget, please explain this debt snowball thing.... |