Get out of debt * help & advice on how to get out of debt * reduce interest repayments * earn extra income & save money on household bills

In a perfect world, you wouldn't have any debt, you would have a rising and surplus income and your living expenses and household bills would be lower.

Given time, we can help you get out of debt, show you how to generate an extra income from home and reduce your living expenses and household bills.

Given time and a little patience, we could help steer you into a position where your money problems were a thing of the past never to be revisited.

Go to the start of this article about how to get out of debt and wipe out debt problems.

Get out of debt * stay out of debt * save money on every day expenses * earn an additional income from home

During this article about debt we have already covered

How a television can cost you 75% less when you pay cash

How peer pressure can get you into debt

How to reduce your household bills

Managing debt by managing your diet

Earning extra money from home

First of all, you have to understand that your debts aren't going to disappear overnight. What is more likely to happen is - your monthly loan repayments will be reduced to a more manageable figure. Your household utility bills and other living expenses will be substantially reduced and therefore you will have more money left over every month. You will start to earn extra additional income from a few hours work from home and you will start to accumulate capital.

Having achieved all this, it is important that you do not slip back into irresponsible spending and borrowing. Patience is a virtue and never more true when it come to acquiring capital.

If we can help you help you earn some extra cash and change your attitude to spending money and the way you approach your lifestyle, then maybe we can show you how to get out of debt, or reduce your monthly outgoings, reduce your household bills, even earn additional income from home and, most importantly, stay out of debt and start to acquire some wealth.

One of your biggest enemies is impatience the "I have to have it now" syndrome. If for example you want to buy a car for 10,000. If you buy it now, and let's say that the garage will give you 2,500 for your existing car, you would need to borrow 7,500. Over 3 years this would most likely cost you 10,000.

Now let's suppose you wait 15 months and have been saving the 300 monthly repayments in an account that you would have been paying for the finance. And lets say you have been earning a further 250 per month using our home based income opportunity. You would have 8,550 + your car to put toward a new car.

Instead of paying through the nose for your car over three years, inside of 15 months you would be in a position to pay cash with no additional out goings. Plus of course you could continue acquiring capital for other cash purchases.

But before you can do this, you need to do five things.

  1. You have to change your mindset and attitude to borrowing money. Is the purchase an absolute essential or simply a whim? Do you have to have it now? Can it wait until you have got your finances sorted?

  2. Take a close look at your current borrowings. Would a debt consolidation mortgage at a cheaper rate be a sensible option? Roll up all your debts for one last time, to reduce your outgoings and start to accumulate capital for your next major purchase. Make sure that there are no early get out penalty clauses, should you want to pay off the mortgage early.

  3. If you really are struggling to meet your debts and have debts in excess of 15,000 then you should investigate the benefits of an IVA.

  4. You should also look at ways to reduce your household bills. This doesn't just mean switching to a cheaper utility supplier. This involves changing the way you shop and what you buy.

  5. Having cut your overheads and monthly outgoings, would additional money earned at home come in useful? You could then take this additional money and pay it into a savings account and start to accumulate money for your next major purchase or paying your mortgage off early.

Ultimately, the ability to get out of debt lies in your hands but we are here to show you how to get out of debt.


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