Debt Reduction, Guide, Money Management

Next Month Syndrome

There was a time when I was infected with a terrible condition – Next Month Syndrome When my credit card bill came in the mail, I would make a promise to myself – Next month, I’m going to do better. When I reached for my credit card to make ends meet, I would promise myself – Next month, I’m going to do better. When a friend would mention that he was living on a budget, I would promise myself – Next month, I’m going to do better. When I would read a story about someone saving for retirement, I would promise myself – Next month, I’m going to do better. Here are some common side effects of Next Month Syndrome…

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Debt Reduction, Guide

How To Get Out Of Debt – An Illustrated Guide To Debt Reduction

If you want to get out of debt, you need three things – a plan, some money, and lots of determination. I can’t provide you with the money or the determination, but I can give you some ideas for how to create an awesome plan. List your creditors, your current balances and your current interest rates. If you want to rid yourself of those pesky smaller balances, regardless of interest rates, list your debts smallest balance to largest balance.  This method is commonly referred to as the Debt Snowball. If you want to ensure that you will pay the smallest amount of interest, over the course of your debt reduction, list your debts highest interest rate to lowest interest rate. …

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Guide, Popular Posts

No Credit Needed Debt Reduction Guide Free eBook Download

Recently, I published the online version of the No Credit Needed Debt Reduction Guide. Today, I’m releasing another version of that same guide – a free eBook. Download your free copy and let me know what you think about the guide. Depending on your browser setup, you may need to right-click and select ‘save as’ or ‘save file as’. The eBook is copyrighted.  Feel free to share it with your family and friends.  Please, do not make any changes to its content. At only 8 pages long, the eBook was designed to be a simple, step-by-step guide to reducing debt. I am not a certified financial planner.  I just enjoy encouraging folks as they work to get out of debt.…

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