There are all kinds of reasons a person might become indebted to another. We borrow money to buy homes, cars, TV’s, couches, education, and all sorts of things. We get in debt because our appetites are bigger than our bank accounts or because our needs are greater than our successes. We get in debt because we get laid off and have children to feed. We get in debt because we are caring for our elderly parents. It causes us grief, stress, loss of sleep, headaches, and the constant calls of bill collectors. And sometimes we think we just can’t take it anymore. Something has got to give.
I say “we” because I know what debt is like. I am a young lawyer. I went through 4 years of college. I went through 3 years of law school. I bought a car. I bought a home. I ran up a tab of almost $400,000. Plus, I live in southern California, where the cost of living is just absurd.
So yes, I know the kind of stress debt can cause. I understand where you’re coming from. I’m writing this blog because I really, really want to get it out there, that life need not be like what you’re going through. Consider this is a public service announcement for everyone who has been in my situation. Relieve your stress by eliminating your debt. You can start by doing first things first…take a deep breath! All is not lost. Things are serious, but your troubles are common and not insurmountable.
I have looked at so many different strategies and companies and books and advice columns and counselors etc. etc. all of whom have purport to tell me why I’m in debt and how I can get myself out of it. Most of them said the same thing. Most of them wanted me to pay them a lot of money. I thought to myself, “Hmmm. I’m telling you my problem is that I don’t have any money, and you’re telling me that you want what I have? How does that help me?”
The same is not true of one resource I found at www.zero-debt-in-three.com. It is all about showing you how to become debt free in 3-5 years. The resources there are all about teaching us how to eliminate debt as fast as possible. If you have eight sources of debt, there are about 40,320 tactics to eliminating that debt. That’s a lot! No one wants to go about trying each one until they find that right one that works the best for them. I sure as heck didn’t. I’m sure you don’t either. One of the advantages of this resource is that it uses software to pinpoint the one specific approach that you should employ to get rid of your debt as fast as you possibly can.
Remember, debt is a mere mathematical problem. It is born when you spend more money than you earn, and then you borrow money to try to make up the difference. The borrowing money part is what got you in your situation, and the fact that you were spending more than you had is what persuaded you to borrow. So, how do you fix it? Math. That’s what www.zero-debt-in-three.com will show you—how to make the math work.
It says that there are four things you can do to start eliminating your debt right away, and have successfully freed yourself from debt altogether within about five years. The four steps include sealing the leaks. Yes, there are leaks in your money jar. If you don’t know where they are now, you will. You need to seal them up. They also include methods of stopping foreclosure, stopping bankruptcy, giving you the time to successfully implement these strategies. They also include a few strategies that can reduce your monthly costs by up to 70%. Again, these are techniques that you can implement today to help eliminate debt. Have you ever heard of the 80/20 principle? Do you understand how compound interest works? If you don’t, you must learn it to free yourself of debt. I don’t use the word “must” lightly. This is not something you should learn. You must learn it. Then you must take advantage of your newly-acquired knowledge to your benefit. As the popular saying goes, interest is a monster that never sleeps. It is always working against you—every waking moment, every second through the night.
If you’re like me, you’ve looked at many different resources to help you free yourself from debt. Or maybe you’re just starting out your quest. There is a ton of useful information out there. The one I’m telling you about is just one. I found it helpful, and you may also find it helpful. Don’t get me wrong, the strategies are not absolutely perfect. Nothing in life is ever perfect. If you’re not the kind of person who needs to be told what your plan is, maybe you don’t need this. But me, I wanted practical help. And for a very small price, these techniques will quickly save you a ton of money and grief. It helps you set up spreadsheets and helps establish a plan of action. For me, that’s extremely helpful. It teaches real-life strategies you can implement at home, in conversations with the bank, when talking to creditors, and when planning with your wife. Techniques that get to the core of eliminating debt, as fast as you possibly can. And yes, when I found this system, I even told my family about it. www.zero-debt-in-three.com
