Our Advice - How to get out of debt

These are some points that we consider extremely important when handling debt:

1- Seek help whenever possible. Don't be afraid to ask!

2- Develop a budget. We cannot stress this hard enough. You DO need to know exactly what your monthly expenses are. You can download a sample budget spreadsheet here (right-click, select "save target as", and download it to your computer).

3- Cut off (or, at least, cut down) any and all trivial expenses. Avoid eating out, cut down your cable TV bill, do not buy stuff you don't really need.

4- Pay your bills on time. Some credit cards will charge you between $30 and $50 as a "late payment fee". This is money you could be using to pay down your bills. (imagine this: 5 times in a year that you pay your bills late, and it could mean over $200 in late fees!)

5- Get (and study) the Transforming Debt into Wealth system, by John Cummuta. We think it's the most powerful way to pay off your debts. If you can afford the complete system, you will benefit tremendously from it. Another product from the same author that is less expensive is the Seminar Video, recorded live. Make sure you watch it several times, and take lots of notes. Please, do apply all he says. Another option from John Cummuta can be found here

6- Try to get a second job or a part-time business. The extra money (even if it's small) could also help you a lot in the long run. More and more people are starting an Internet business, since it can be an ideal part-time business. If you would like to learn more, the best resource we found is The Super Affiliate Handbook: How I Made $436,797 in One Year Selling Other People's Stuff Online. Outstanding book, it shows you step by step how to start your online business.

7- Change your mindset. Convince yourself that you deserve more. Read positive books, surround yourself with positive people, and avoid negative people like the plague!. Read the Wealth Beyond Reason program, by Bob Doyle (star of the movie The Secret). Study it, and put it into practice. Your life will begin to change within 30-60 days!

8- Read The Science of Getting Rich, by Wallace D. Wattles. Our gift to you: this book can literally change your life! (NOTE: right click, select "save target as" and save it to your computer). Read it, study it, memorize it, and apply it! This is the book that inspired the movie The Secret!

We hope you found the information in this site very valuable. We have put a lot of effort in designing this site, and we hope that it will benefit as many people as possible. We are on a quest, a neverending quest to help people improve their financial situation and live (and enjoy) a better life. We are convinced that it is our birthright to live a fulfilling life, and enjoy the wealth that surrounds us.

Please make sure you drop us a line and tell us how you benefited from this site. We wish you a healthy, wealthy and fulfilling life!

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