I’ve just completed my ninth year of being completely debt free. On January 19, 1999 I paid off my first home. That 30-year mortgage ended up being only 6 ½ years, saving me over $80,000 in interest payments.
Six years ago, we moved. We doubled our real estate assets and increased our net worth. When we purchased our new home and property we paid cash. We’re still debt free and loving it.
Being debt free really is not about numbers, at least not numbers in dollars, but perhaps numbers as in time. I am very thankful to John Cummuta and the Debt-FREE & Prosperous Living™ and Transforming Debt Into Wealth™ systems for the opportunities that living this lifestyle have opened up for my family.
I’m a strong believer in helping your fellow man to help himself. For me it is important that I use my life to help others improve theirs. I get this opportunity almost every day. I go to work everyday happy and glad to be there. I love my job. I also love the work I am able to do for my community.
I write this not to boast, but to encourage you to reach for your dreams, to write them down, and then create your plan to achieve them. Being goal oriented will help you to attain all that you desire. Studies show that when we are goal oriented we are more productive, we are less stressed, we are happier and serene.
Working to achieve my goal of becoming and remaining debt free is what allows most of the happiness in my life. Before I started my path to financial freedom, I sat down and made a list of the things I had always wanted to do, but felt that time and money was preventing. I share some of my original list with you below.
1. Visit my family more often
2. Relax
3. Learn to golf
4. Learn to play the piano
5. Go back to College
6. Volunteer with local charities
7. Winter home
When I look at this list I’m proud to say that all but one has been accomplished. While the number 2 goal, relax is an ongoing battle. I think it’s time to reevaluate my goals and to set new dreams.
I could easily talk about my investments and my net worth, but living a Debt-FREE & Prosperous™ lifestyle is really not about numbers in dollars, but how many hours I can spend on field trips with my children’s class, how many track meets I can attend, how many students graduate from the ESL (English as a Second Language) classes I teach, how many families are helped by the Family resource center that I am on the board of, how many low income students we can buy school supplies for, how many days in a year I get to see my family, etc.
What are you dreams? What are your goals and why aren’t you achieving them? Most people fail to make a plan to reach their goals and that [...]
Archive for the ‘Debt Cutback’ Category
9 Years Living Debt Free
Credit Card Debt Relief Articles
Credit card debt relief Articles
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When they are network a jam, they need to try to carry off alien of Bad Debt case that they are in. They leave seek debt remedy from professional people to lick and jewel the primo solution as them. Every person has a different situation, and for of this, will require a mismated answer. What are some of the solutions that are out there for relatives? How onus people come to the conclusions that these solutions are best for them?
One of the most important things and processes that a person constraint do and go due to in direction to start to weaken the debt that they have is to develop and maintain a monthly budget for the expenses that they have. While it may seem like a frequent thing, it can actually in many cases be the immeasurably difficult pace to transact. Once this step is taken, then a person responsibility work to reduce the debt and the bills that they have. If developing a budget doesn’t create the ability to organize to reduce debts, therefrom contacting your creditors would speak for the next natural step. If further when a person needs to contact their creditors, then they need to explain why their situation has forced them to contact them in the first install. Often times, creditors will have a habit effect plant for people who prepare a good faith production to contact them again to work with them. In some dire cases in which there is a very high debt worry further polished is little to no chance that the bill leave be paid in the near future, then bankruptcy is also an option.
Bankruptcy allows a partner to either clean off all their bills or be able to reorganize their bills to a uninvolved level thence that they can pay off their creditors. While this commotion contract hurt a person’s credit score, it can give someone the fresh start that they eagerness. Often, subsequent receiving debt advice from experts, people will have learned from the mistakes that they regard made and will not repeat the same mistakes in the future.Visit Here now http://creditloanssourceonline.blogspot.com
Getting a Credit Card Consolidation Online – How it Works & How to Get the Best Quote
Getting an online credit card consolidation has never been easier. Most debt consolidation companies have come to the internet to as a source of getting clients and it is very easy for people to find these companies which makes lots of competition. Understanding how these companies get their clients and knowing how to use the competition to your advantage can ensure that you will get the best quote available. One thing to note about online credit card consolidations is that it really isn’t online. You find the information online but you always have to talk with a debt specialist get get your quotes and to talk about your situation.
How It Works
Companies are very easy to find using internet search engines such as Google, MSN or Yahoo. Do a search on debt consolidation and you will be sure to find many companies that will offer free quotes. Most of these companies either give a phone number to call or offer a simple form to fill out with your contact information and basic debt information. The companies with the forms will contact you after the fact by phone and find a good time to talk and work with you. Other companies with a phone number will ask you basic contact information and debt information, then they will have a specific debt counselor contact you based on your individual situation.
How To Get The Best Quote
Understand that these companies will give you free quotes with the hope of getting your business. The thing to know is that you have no obligation at all to go with any of these companies if you don’t want to. The best thing to do is to request several free quotes and compare them. Every company will probably offer you something a bit different. They will normally work with you to find the best solution to fit your individual needs. It may be hard to compare them side by side because they all will come with different terms, but you will be sure to find the best solution that will make you more comfortable with your future debt payments.
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