Control Your Own Destiny

October 13, 2011 By Leave a Comment

Regardless of your personal or spiritual beliefs, you are responsible and able to control your own destiny, especially when it comes to your personal financial situation.

Is “achieving true financial freedom” on your goals list? Or have you taken it off the list because it has been too discouraging lately with all the bad economic news in the press these days (i.e. like the Eurozone crisis or the fact that the capital city of Pennsylvania just filed for bankruptcy)? Regardless of the latest news or how you feel about your situation today, you owe it to yourself to find out how to eliminate debt in your life as quickly as possible.

Our team of personal financial experts believes that you will not achieve true financial freedom unless you get rid of your largest expense — the money you spend every month toward principal and interest payments on your debts.

Our custom-designed process can help you eliminate all your consumer debt (i.e. credit cards, car loans, etc.) in one to three years and even payoff your mortgage in another four to five years. And yes, you can do all that with just the income you’re earning today and even more importantly, without harming your credit score.

Our team has already helped many individuals and couples to move more quickly toward achieving true financial freedom and enjoying the wonderful benefits of a debt-free lifestyle.

Make the decision today to control your own destiny once and for all. Learn more about how you can control your own debt and better yet, how to get out of debt fast on your own. We encourage you to submit your email on our website to get free information about how to do this all without harming your credit score. But no matter which websites and companies you research, just be sure to reach out your hand and get some help to improve your situation.

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Filed Under: Control Your Own Debt, control your own destiny, Credit Scores

How To Reduce Debt On Your Own

October 11, 2011 By Leave a Comment

Do you know how to reduce debt on your own successfully?

Believe it or not, the debt you have today is actually a financial opportunity for you. Every day you are given many new opportunities — about what to eat, what to do, how to manage your money, etc. What you choose to do or not do with each opportunity is what makes all the difference. Right now, as you read this article, you have the opportunity to choose whether or not you want to enter your name and email address in the form on the right to get help from the experts. Our team of personal financial experts can help you to get your debt under control and to reduce it responsibly and quickly. If you currently have a fair amount of consumer debt (i.e. more than $5000 in total debt), you owe it to yourself to become debt-free as quickly as possible.

If you just ignore the debt you have today, you could end up like Greece.

The country of Greece has gotten itself into a nasty mess because it has been ignoring its debt problem for many years. And if you ignore a problem and don’t ask someone to help you start to improve the situation, things unfortunately often continue to get worse and worse. And eventually, when the situation becomes a complete mess, the experts are called in to help clean it up.

In Greece the debt situation got so bad that the European Commission, the European Central Bank (ECB) and the International Monetary Fund (IMF) all went to Athens to discuss the best ways to help Greece reduce their debt.

The moral of the story is that it is best to have experts assist you in managing your debt, sooner rather than later. A skilled personal finance expert will have access to systems and tools and can show you how to reduce debt on your own. And if you team up with one of the best experts, they should be able to help you control your own debt without harming your credit score. If they cannot promise that, then they are simply not the best and you should keep looking. Take action today. Don’t wait and end up like Greece.

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Control Your Own Debt – How and Why?

October 10, 2011 By Leave a Comment

Control your own debt – How and Why? The answer to this question is quite simple and perhaps can best be demonstrated with the following illustration.

Let’s say for example that we are dealing with a debt principal amount of $50K. Not an unreasonable amount and one that certainly there are lots of people out there who have similar situations.

Now if you were to repay this sum via conventional routes and in the time honoured fashion of minimum payments etc than you would as illustrated be clear of this sum in approximately 31 years and 5 months to clear yourself.

Follow the programme as outlined by our experts and you could be clear of in 3 years and 11 months. That’s a staggering saving in time of 27 years and 6 months but more importantly a saving in Interest payments of $23,792.

Now just follow this suggestion and consider this. If, after the 3 years and 11 month repayment period you had just completed, you took the money that you were wasting on debt each month ($1,300) and invested it at an average return of 6% per annum for the 27 years and 6 months that you would have saved it over then in 31 years and 5 months you could have $1,088,260 in retirement savings?

Think this isn’t possible? Get in touch with us now today and we’ll show you exactly how to achieve this. The ability to control your own debt could not be any easier that this?

Go on you know you want to?

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How To Control Your Own Debt

October 8, 2011 By Leave a Comment

How to control your own debt is quite easy really. Simply spend less than you have coming in and over time it will right itself.

OK I know this is very simplistic and a gross overstatement of basics here but it is the essential root of all that needs to be done. If you find yourself in overwhelming debt and in the deepest of holes then the first two things to be done are:

  1. Find out how deep the hole is and recognize it i.e. how much do you owe and don’t try and fool yourself. By all means fool other people but not yourself.
  2. Secondly if the amount of debt is brought about by excessive expenditure on your part then as I said, “stop digging” and rein in your expenditure and start to prioritize your debts. Not as hard as you would think.

Getting out of debt is as much a psychological battle as it is a financial one. Quite often the first battles to be fought are whether you have the spirit and rive for the battle. Are you in danger of getting overwhelmed by the debt? If so that is when you need to get involved in some sort of debt management programme to make sure that you have the right sort of support and follow up to make sure that you don’t “fall at the first fence”.

Learning how to control your own debt is the first part of the overall process of being able to control your own debt long term.

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How To Get Out Of Debt Fast On Your Own

October 7, 2011 By Leave a Comment

If you really want to take back control of your life, you should know how to get out of debt fast on your own. And by the way, when we say “on your own” we don’t mean you shouldn’t get any help. What we mean is that you should get some help/guidance/coaching from an expert, but plan on “owning” the responsibility yourself. This is the opposite of throwing up your hands, saying “I give up” and handing over your debt problem to a company that is going to consolidate or eliminate your debt and completely trash your credit score in the process.

So in other words, you want to take responsibility to get out of debt fast, you want to get some assistance from a debt management professional, and you want to make sure that you do all this without harming your credit score. Don’t let yourself settle for some “pie in the sky” sales pitch that promises to do all the work for you and doesn’t clearly state that maintaining and improving your credit score is one of their top objectives. If you erase all your debt and your credit score is greatly reduced in the process, you’re going to have a lot of new challenges to deal with for the next 5+ years while you work on getting your credit score back to a reasonable level. Without a decent credit score, it will be very challenging for you to purchase a car, buy or rent a place to live, keep a credit card for small purchases, get a loan of any type, and the list goes on and on.

According to the best selling book, “The Millionaire Next Door”, by William Danko and Thomas Stanley, millionaires in our society do not have consumer debt and they own their own cars, their own homes and their own lives. The whole credit card industry is a new invention of the last 50 or so years. Just ask someone you know who is over 70 years old and they’ll tell you that they didn’t know what a credit card was back when they were a young adult. Having a credit card is a convenience and that is good. But having credit card debt is a chain around your neck that will continue to slow you down and lower your quality of life until you do something about it.

So commit today to learn how to get out of debt fast on your own and get back to a more enjoyable lifestyle where you control your own debt. You owe it to yourself (and to your family & friends) to live the best life you can and to enjoy each day to the fullest.

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Get Debt Free On Your Own

October 6, 2011 By Leave a Comment

Have you ever wondered if it was possible to get debt free on your own? Every American who has debt has dreamed that dream and imagined what their life would be like without any consumer debt. Wow! What a concept, huh?

Well, it’s not just a wild fantasy. Becoming debt free can be your reality if you have the right help and the right system. Of course, if you choose to go down the path to becoming debt free, make sure you do it in a way that doesn’t harm your credit score. But how can you accomplish that?

One way is to give yourself a raise. In fact, why don’t you give yourself a 46% raise by eliminating all your debts.

Yes, that’s right. A 46% raise! Here’s how you do it…

The typical American family uses about 40 to 50 percent of their paycheck to service their debts (i.e. mortgages, car loans, student loans, credit cards, etc.). And if you did not have these monthly debt payments, you could increase your  monthly cash flow by the same amount without having to beg your boss for a raise. So take charge and give yourself a raise by eliminating all your unnecessary and burdensome debt.

You should know that there are people out there who have a vested interest in keeping you in debt. You will find that getting out of debt will be one of the most challenging things you ever try. Many people have tried, but most have failed. It’s almost impossible to get out of debt in our society today.

As an analogy, imagine for a moment that you are trying to lose weight. And now imagine that someone had a program that would do all the exercising for you and eat all the right foods for you, and you could go on living your life as you do today. The only catch is that they do all the work and you lose all the weight.

At Control Your Own Debt, we use a proprietary system that is designed for busy middle class Americans like you. Our system will automatically eliminate your debt for you, while improving your credit score at the same time.

To get debt free on your own, it is not going to be easy, so get all the help you can to control your own debt. You are going to need it!

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Create Your Own Debt Management Plan

October 5, 2011 By Leave a Comment

Do you know why it is important for you to create your own debt management plan? Well, after reading this blog post, hopefully the answer will be more clear to you.

Have you seen the latest news about Greece and how difficult it is becoming for the people who live there? As of today, a 24-hour general strike has started, and this is going to affect schools, transportation, and hospitals — and possibly other areas of the country too. It appears that the quality of life for those living in Greece is going to get much worse before it starts to get better again.

Why should you care about Greece and the situation that is rapidly unfolding there? Well, there is a lot you can learn from that situation and one simple lesson is this: be proactive in managing your own debt or else risk losing your quality of life.

How can you control your own debt in a proactive way? One way is to get educated about your situation and to take advantage of a system developed by a personal finance expert. For example, here is one tip we share with our clients:

Don’t just settle for managing your debts. That is just a short-term approach. Start eliminating your debts today, and begin building true financial freedom.

And if you can’t do it yourself, simply hire a debt elimination expert to do it for you. This doesn’t mean a consumer credit counseling or debt negotiation/settlement company. Unfortunately, those firms have programs that can actually dramatically reduce your credit score. They may be appropriate for someone who has a major debt problem and already has a low credit score, but they are not appropriate for middle class Americans like you.

Believe it or not, you actually have the opportunity to turn your debt into real wealth for yourself and your family. You have an opportunity right now to become more proactive in the effort to control your own debt. Let the situation in Greece today inspire you to get the assistance you need to accelerate the reduction of your debts in a proven way that doesn’t harm your credit score. Today is the perfect time to reach out and get help to create your own debt management plan.

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Do Your Own Debt Consolidation. Yes or No?

October 5, 2011 By Leave a Comment

Do your own debt consolidation – be careful how you go? The allure of doing your own debt consolidation can be very appealing but the pitfalls can be very easy to fall into.

The basic premise and actually the weakness of debt consolidation (it’s just that the Guru’s always omit to tell you this part) is that as the term suggests, you take all your outstanding debt and roll it up into one lump sum and where possible try and negotiate with creditors to lose some if not all of it.

Now this is where it quite often gets interesting as in a lot of cases consolidators will often charge punitive interest rates to carry out the above tasks but offset this by extending the period with which you have to discharge the debt so a couple more interest points gets “massaged and hidden” by reduced monthly payments. After all we’re now paying less out a month so we’re all doing well out of it, aren’t we?

Hmnnnnn. Not quite so fast. Thought we were trying to get out of our debt in a quicker and more manageable manner so why the extended period of repayments? Also it’s funny how when you look at the total amount paid over the period this can quite often have increased.

The whole situation is a lot more complicated than can be covered in these 2-300 words but the central theme is the same? Think before you consolidate as there might just be better options around if you know where to look.

Just being able to do your own debt consolidation might not actually turn out to be the smarted thing you possibly could do. Learning to control your own debt in some ways may well be the better option?

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Learning How to Control Your Own Debt

October 3, 2011 By Leave a Comment

Today (October 3rd 2011) is the day that in the UK, the Chancellor of the Exchequer gives his conference speech telling the good citizens of the country that the Govt of the UK is not going to borrow or spend it’s way out of the current financial crisis that we find ourselves in. In short we have to undertake a course in learning how to control your own debt.

Rather fortuitously it would appear, but at the very same time, the very same Credit Rating Agency that had the temerity to downgrade the US Triple A Credit Rating earlier this year chose to make the announcement that today it saw no need whatsoever to downgrade the UK Triple A Rating.

Now the current financial situation that we find ourselves in is more complicated than can be dealt with perhaps in a few paragraphs but it would appear that the moral of the story is to deal with matters of overwhelming debt in such a manner that is to be deemed to be controlled and prudent. That way it is more likely that you can brings these debts under control sooner rather than later.

On a micro and more personal basis such is the situation with the ADE Program that we teach in Control Your Own Debt. Perhaps the issue is as much one of a psychological one as practical when dealing with amounts of outstanding debt. Recognize these debts for what they are, don’t try and hide from them and seize back the initiative in managing debts. Indeed, learning how to Control Your Own Debt.

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Welcome to Control Your Own Debt

September 30, 2011 By Leave a Comment

Welcome to Control Your Own Debt.

Launched in September 2011 Control Your Own Debt hopes to help illuminate the murky world of Debt and highlight the many positive moves you can make to alleviate debt problems in a responsible and mature manner that works for you in such a way as to leave your own personal credit score intact.

If you know how to do this you will be surprised as to how easy this is to achieve.

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