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How To Become Debt Free!
"The Debt Relief Secret"


How to Stay Out of Debt

The way to stay debt-free is to:
1) Stop creating debt
2) Pay off your debt
3) Don't create any more debt

Have I mentioned this before?
If you need to know why, it's simple. There is a huge number of people (you're probably one of them) who will make the decision between having over $1,000,000 at retirement age or being broke. You will choose every time someone asks you, "Will that be cash or charge?"

If you pay cash and invest the amount you would have been paying in fees and interest, you'll be rich. Charge it and you'll be on the way to the poor house. It's as simple as that.

As with anything else, to change your current path you must know why you want to change. You must have leverage over your emotions, your habits, and your conditioned reflexes. In short, you must be convinced that you must change, it can not be an option, it must be a must.

But First, A Little Celebration As you make your way down the debt-free path it's important that you celebrate your successes along the way. For more on this see the Same Money - More Fun

When you are finally debt-free I feel it's important to take some money, like a month's worth of payments, and spend it to treat yourself the best way you know how, and if necessary, learn an even better way to treat yourself just to get the most out of your celebration. You deserve it, and as you look around you'll know that you are one of the very few people in this world who are debt-free.

Use your money for your celebration, use it without guilt or shame. Of all the things that money can do one of them is treating yourself.

Same Money - More Fun Prosperity Pitfalls

You're going to meet some resistance on the road to prosperity.

As much sense as it makes to live a debt-free and prosperous life, you're going to run into some very strong challenges to your common sense. You're going to hear voices telling you that you need credit, that you're only as good as your credit report, that it's just the way things are done. Some of these voices will be from family, some from friends; some will be your own inner voice trying to draw you back into the old comfortable pattern of debt. And don't forget about those multi-million dollar advertising campaigns aimed at separating you from your common sense. They are very effective but don't be swayed back into the depths of debt.

You may even fall back into the credit/debt trap. Just stop, take a deep breath and don't beat yourself up if you mess up. Keep your mistakes small, pay them off quickly and get back on the debt-free path.

If you want to shut up your critics, just challenge them. Usually the question, "How much credit card debt do you have," will be enough to shut them up.

Don't Confide In Those Who Don't Support You There are going to be a variety of reason why people don't offer support to you on your road to debt-free living. Maybe they don't understand the concept, maybe they're jealous, maybe their stup... um, maybe they don't understand the concept. Let's assume that even your critics are well-meaning folks. They may be family and friends but if on this point they can't support you, don't talk to them about it.

A Real Emergency

Life just doesn't seem to make things easy on us. It's my belief that our challenges benefit us in ways that we may not fully understand. I'm ready for an even-keeled life that's without challenges but I know that the place that happens is not in this life. Emergencies happen and if you're dealing with them causes you to need to accept help, please do. If the help is in the form of temporary debt, so be it. Stand up to the challenge, confront it if you must. Conquer it, pay the debt back and move on without regret.

Make Your Pitfall Short Pit Stops Then Move On If you fall off the horse, get back on and ride. If you can learn from it, learn. Don't agonize over it; just put it in the past and move on. Focus on your goals and what you can do today to get there.


"Thank you for your help and resources. I had no idea how to handle my creditors until I found your website. Yes, there is light at the end of the tunnel!

(2nd Grade School Teacher, Washington)

"I appreciate your helpful information. We were able to work out a deal that is a win win situation for me and my debt collector's. Thank you so much.
Julie T.
(Receptionist, Texas)


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How To Become Debt Free!
"The Debt Relief Secret"

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Debt Calculator

See how long it will take for your debt to get paid off with one of these four options. We have listed a standard debt amount as a default on the debt calculator. You will need to enter your current personal or business debt amount below to see what your debt payoff amounts will reflect.

What's Best For You: Minimum Payments?

Debt Consolidation?

Credit Counseling? Debt Settlement?
Total Unsecured Debt $30,000.00 $30,000.00 $30,000.00 $30,000.00
Months To
Get Out Of Debt
430 60 60 36
Interest Rate 18.9 % 12 % 10-12% Ave None
Total Interest Paid $49,978.53 $10,040.01 $21,300.00 None
$900.00 $667.33 $855.00 $458.33
Total Cost
To Be Debt Free
$79,978.53 $40,040.01 $51,300.00 $16,500.00
Monthly Payments   Months To Get Out Of Debt   Total Cost To Be Debt Free
Minimum Payments Debt Consolidation Credit Counseling Debt Settlement
Enter Your Debt Information Here:
Your Total
Unsecured Debt:
Your Average
Interest Rate:
Months To
Be Debt Free:


PLEASE NOTE: This calculator gives you an estimate of how much it will cost you to get out of debt, how long it will take and how much your monthly payment may be with the different options to pay off your debt. Keep in mind "Minimum Payments" assumes you NEVER make any further purchases on your credit cards and the credit card companies NEVER raise the interest rate on your cards in the future from the rate calculated above. The "Debt Consolidation Loan" example is usually only possible when taking out an "equity line of credit" or "second mortgage", which involves securing your unsecured debt with your home. This is a very risky option for most people because the home could be foreclosed if you cannot make the payments.