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Debt Free Living - 5 Tips To Get Out Of Debt
A few times I wonder what sort of credit system moved the global economy 200 years ago. If the intention of getting into a business is meant to 'help' fulfill the needs and wants of someone, I don't see how credit card salesmen can drove more people...
Get rid of debt with simple steps
Someone who is not in debt appreciates a telephone ringing, because a person without excess debt does not fear creditors. A person without excess debt goes to the mailbox with general malaise, and doesn’t feel the stomach clenching fear when a...
New Book Reveals Strategy for Becoming Debt Free One Paycheck at a Time
It is no wonder in these economic times that an estimated 70% of households in the United States live paycheck to paycheck with no relief in site. In an effort to make ends meet, consumers continue to use credit cards to fill the necessary gaps....
UK debt becoming a cause for concern
The UK attitude toward debt has received a major shift over the past few years. Where once the UK was seen as a nation that held up thrift as being virtue and considered debt a vice, it has now changed to owing £1.3 trillion on mortgages, credit...
What You Need to Know About Debt Consolidation Loans UK
Should you find yourself over your head in debt, you might want to start looking into debt consolidation loans UK . These loans are designed for the person who needs help in taking care of their outstanding debt, keeping them from bankruptcy. Much...
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The First Step To Getting Out Of Debt: Make The Commitment!
These days, getting into debt is easy.
Unfortunately, getting out of debt is not so simple for most people. But you can do, if you go about it the right way.
The first - and by far the most important step – to getting out of debt is to MAKE A COMMITMENT!
Personally, I spent years telling myself how much I wanted to get out of debt. But then something would always happen - a big expense, a change of jobs, you name it.
And even though I really wanted to get out of debt, I never made any real progress. Then one day I finally got so frustrated I said to myself:
“It's now time to do WHATEVER IT TAKES to get myself completely out of debt!”
And for the first time since I got myself into debt (by maxing out all of my credit cards trying to start a business) I finally figured out the true "secret" to getting out of debt: making the commitment!
So, if you haven’t already made a commitment of your own, do it right now. Decide you’re going to do WHATEVER IT TAKES to get yourself out of debt...and start doing it!
How long will it take you to get out of debt? If you're like most people (including myself not long ago), too long!
How To Take Action
Once you make this commitment, it's
time to take action.
Write down exactly how you plan on getting out of debt. Here are some questions to ask yourself while developing your plan:
- How can you save money each month?
- What expenses can you eliminate?
- How much more money can you use to pay off your credit card bills faster?
- How can you make some extra money?
- Have you contacted your creditors to request a lower interest rate?
- How can you change your spending habits?
- Have you considered professional help – credit counseling, debt negotiation, bankruptcy – to find out all of your options?
- Are you really committed to getting out of debt?
- When do you want to be completely debt free?
It's a great feeling being completely free of credit card debt. But it won't start happening until YOU decide to make it happen!
© 2005 Debt-Tips.com
About the Author
Kris Bickell is the owner of Debt-Tips.com, a helpful site for consumers struggling with credit card debt. For tips on getting out of debt, repairing your credit, saving money, and making extra money online, sign up for the free “Get Out Of Debt Faster” email course at: http://www.Debt-Tips.com/course.html.
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