Debt Elimination

December 13, 2017
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Is getting out of debt hard a hard thing to do? Yes, it is. But the truth is that it’s not that hard, and that any discomfort involved will end up being nothing much when compared to the benefits you’ll get by doing it.

The truth is that except for a mortgage and possibly some education debt, debt is not good. And if being in debt hasn’t already damaged the quality of your life, I promise you, it’s going to. And that if you don’t solve this problem, the damage is only gonna get worse.. probably a lot worse. And that someday you’ll deeply regret letting that happen.

The good news is that anyone genuinely ready to get rid of their debt can make it happen. Now don’t get me wrong. Like I said, getting out of debt is not an easy thing to do, but you can almost certainly do it. Over a million people do it every year. Over a million people! And most of them will tell you that it was one of the best things they ever did in their life.

So how do you do it?

You start by understanding that there are 3 critical steps you need to take..

  • Make an unbreakable commitment to end this problem and do it now.. right now!
  • Learn all you can about how to spend smarter.. a lot smarter.
  • Have a written plan for how you’ll spend your money and follow it.

Yes, there are other things you need to do, such as immediately stopping all borrowing, but making the commitment, spending really smart, and having a plan for getting it done are the cornerstones.

As to spending smart, you may think you’re doing a good job on that but if you’re like most people, I think you’ll see there are a lot of additional things you can do.. some that you know but haven’t done, and some that nobody ever told you about, that can make a huge difference for you going forward.

The saying “it’s not how much you make but what you do with it that counts” is just so very true. If you take a good look around you at those that are in really good shape, financially, most of them, by far, got there by spending smart, not because they made a lot of money.

As to how to spend smart, really smart, here’s a suggestion. Go to my public service website.. www.moneysmartonline.com and see the 9 minute project introduction and overview video.

At the end you’ll get a free coupon for course #1- How to get a Better Price or Deal on almost Anything. That video will lay a lot of it out for you and no way you won’t save a heck of a lot of money from that day on.

I’m talking freeing up thousands and thousands of dollars you don’t have now.. money that‘ll first go to eliminating all of you debt, then, after that, helping you to achieve the mother lode.. financial freedom. A goal that millions and millions of people have achieved, and that you certainly can too.

So what are waiting for? Go get ‘em.

And good luck with this. I’m rooting for you.

Want to learn more? Watch this courses now.

Continue to Courses


November 2, 2017
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For a long time now we’ve been told, marketed to, endlessly, that debt is “normal”.. that it’s ok to have some debt. That it’s ok buy things before we have the money to pay for them. You know.. the old “nothing down, and no interest, no payments for the first 12 months” and so on.

What this is, is the machinery of business going after its interests, and you’re not going to stop that. But except for a mortgage and possibly some education debt, the truth is that debt is not good.

Unfortunately, we’ve reached the point where 80% of Americans are now in debt. I sure hope you’re not one of them. But if you are, here are some things you really need to think about.. and then do something about.

First, and most important of all, if being in debt hasn’t already damaged the quality of your life, I promise you, it’s going to. And that if you don’t solve this problem, the stress, the damage, is only gonna get worse.. probably a lot worse. And that someday you’ll deeply regret letting that happen.

Most people with a debt problem usually don’t deny that they need to fix this problem. What they do instead is convince themselves that something will happen in the future to solve it and all will be well.

A common assumption is that their income will grow faster than their spending, but even if that does turn out to be true they are usually well conditioned by then to just keep spending more, and just end up going deeper yet into debt.

The bottom line is that these things just don’t work.

The good news, however, is that anyone genuinely ready to get rid of their debt can make it happen. Yes, it’s not an easy thing to do, but you can almost certainly do it. Over a million people do it every year. Over a million people! And most of them will tell you that it was one of the best things they ever did in their life.

Even if you owe a lot of money, feel like the debt involved is just too much.. that it will take either a very long time or a lot bigger income to do so, I promise you that if and when you are genuinely ready to do so, you can eliminate your debt.. all of it.. and no way will it take forever, or anything like that.

As to just how important this is to do, you don’t have to just listen to me. Seventy-five percent of Forbes’ richest people in the world say the best way to build wealth is to become debt free.

Think about that. Seventy-five percent of the richest people in the world say the best way to build wealth is to become debt free.

The truth, here, is very clear. Unless you solve this problem and do so now, not “later”, you will almost certainly damage your future, your quality of life, your happiness. It will end up being one of your life’s biggest regrets.

You will almost certainly never get to achieve financial freedom. Never even get to retire successfully. 2 people in 3 over 50 in our county today cannot.. will not.. be able to retire.

No way you want to be in that group, and no way do you have to be, not if you make the commitment to solve this problem.

And as always, time is either your best friend or your worst enemy and you always want its power working for you, not against you. So you need to start now. Right now.

As to how to do it, I can lay it all out for you in about 30 minutes.

Want to learn more? Here’s the link..

Continue to Course


November 10, 2011

It looks to be another roller coaster week in the stock market amid ongoing fears that Greece will soon default on its debt and that the situation in Italy is worsening, with no easy out in sight. Of course there are other factors that create volatility in the market now, but the European debt crisis magnifies the ongoing issue we have with debt in this country and in our own personal finances. What can we learn from this expanding global problem?


August 18, 2011

Manage money by looking at your financial situation and your future goals honestly, and that is where all couples should begin. Without judgment or resentment, take an honest look at your finances and begin to work out your financial plan for a future of financial freedom. Having a financial plan and eliminating debt are keys to success with money.


August 3, 2011

It’s time to solve our debt problem, (nationally and personally) and create a plan to eliminate debt for good. Money should add to your happiness, not taking away from it. Be debt free and change the money game in your favor.