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Credit Counselling about Debt Reduction By Adam Gilbert
Credit Counselling
Interested in become a credit counsellor and helping free the
captives to the salvery of debt - you know - having to go to
work to pay the ever increasing spirialing debt. Here is some
wisdom to share with your friends: -
Debt Management
A world run on credit is what we are witnessing. The US
government took a couple of hundred years to accumulate the
first trillion dollars of debt. Now it is only a matter of a few
years and another trillion is added to the national debt.
This is a serious issue. It is due to the 'open circle'
mentality that pervades modern day society. We don't like
limits, restrictions and boundaries. Most people live to the
limits not of their income but the limits of their multiple
credit cards, their large credit lines on their houses, store
cards, car leases, personal loans etc etc...
Being a psychologist I witness this over extension of the limits
not only with our money but with our time as well. Generally we
are a society where we break our budgets for both time and money
which has a devastating effect on our social lives, our family
lives and our spiritual and emotional well being.
There is an interesting scripture in Matthew 5 (a chapter in the
Bible) and it states that 'The meek shall inherit the earth'.
What does meek mean? It basically means to live within the
limits. To schedule what your time with some margin left. To
budget with some margin. This means you have some resources not
only for your own peace of mind but so you have the time and
money to help others.
A Credit counselling debt solution:
Make a list of all debts and list them smallest to largest.
Apply 5-10% of household income and then adding that amount to
the lowest debt.
Once the debt is paid then take this extra amount as well as the
previous minimum payment and apply that to the next debt on the
list.
Continue to apply this strategy to every debt on the
list.Within
5-9 years you will be able to eliminate every debt including
your house mortgage.
The other possibility to is to refinance your smaller debts with
the equity from your house or your investment property.
However if you choose to do this then you need to ensure that
you take the minimum payment you used to pay on the debt you
consolidated and pay that off your mortgage.
You will also need accountability partners so here are a few
pages off my site http://www.creditcounselling247.com where you
may be able to find someone
So I hope you will join me and become debt free. I want to be
totally debt free within the next few years. Why? Well imagine
the good we can do if we apply those interest payments that were
lining the coffers of the banks and give them to charity
(http://www.mannarelief.org - is my faviourite - watch this
space for what they are doing with the aids orphans in Uganda!!
Or simply check their site out!!)
I have a very successful home business. For people who have
found themselves in debt Network Marketing is one of the easiet,
most cost effective ways to get involved in business. This is
also another way in which you can accelerate your debt reduction
is simply to earn more income above your normal current income
and apply that not to your lifestyle but to your debt reduction.
Check out my new site www.networkmarketingconsultant.com to
learn more about this business. Or subscribe to my ezine at
http://www.homebasedwellnessbusiness.com/nexttrillion.html to
learn about the 5 principles you need to find in a business in
order to be successful.
© Wellness Corp Pty Ltd - If you wish to reproduce this article
on your site you can do so as long as you include my link to
http://www.networkmarketingconsultant.com
About the author:
Adam retired at the age of 31 from full time employment. He now
is finanically independent and is coaching others on how they
can retire young as well.
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| CUNA: The Credit Union National Association |
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