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 [...]
Posts Tagged ‘Free’
9 Years Living Debt Free
Free Credit Counseling – What’s The Difference Between Free Credit Counseling And Debt Relief?
Looking for free credit counseling? Before you actually approach the legal settlement companies for the liability exemption, you should take a look at free credit counseling.
The growing problem of finance has created a need for help regarding the settlement of liabilities. People are drowned in huge liabilities and all they want is to get rid of it. There is no solution rather than opting for settlement help from the settlement companies. There are so many legal companies who help people to get rid of their liabilities through the settlement program. These companies also provide free credit counseling for the applicants.
How to avail free credit counseling?
Getting free credit counseling is possible through the internet as there are hundreds of companies who are competing against each other. The creditors also rely on these companies to get back their dues from the defaulters or loan takers. There are many financial professionals of the companies who can explain the concept and advantages of going for settlement rather than opting for bankruptcy. Many people opt for bankruptcy if they find it difficult to pay back the amount, but it is absolutely not a wise idea. Any person can get legitimate help from the settlement companies to get the liabilities reduced or waived off by a certain percentage.
What are the benefits of free credit counseling?
By getting free credit counseling, you will be able to understand the possibilities of settling the liabilities and getting maximum exemption of your liabilities. Once you understand the processes clearly, you can request for settlement. If you have liabilities of more than $10,000, then it is a must for you to settle the liabilities or else be ready to face serious trouble. If you approach the legal financial firms and get the liabilities reduced, then you can get great help as you do not have to pay back the full amount but only the remain percentage of the amount. This has been really helpful for people who are facing charges of huge accumulated liabilities. There are many settlement firms on the internet who have been settling the liability claims of common people. These firms also provide professional advice about managing the finance as well as controlling the expenses. If you follow their advice, then you can prevent high liabilities against you. By taking up the settlement help, you can get your liabilities adjusted. Hence, the choice is yours.
Comparison between free credit counseling and Debt relief:
Free credit counseling involves analysis of one’s financial situation and paying off the amount decided as per the agreement after counseling. Another option to eliminate your liabilities would be to go for debt settlement/relief. In this procedure the settlement company will pay off a portion of the balance amount and thus reduces your liability but the amount that is paid off will reflect as negative credit on a person’s credit history which is not so much of a pretty nor beneficial thought. However, both these methods need to be opted after carefully analyzing one’s financial situation. In case [...]
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Tags: Between, Counseling, Credit, Debt, Difference, Free, Relief, Whats 
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