If you are anything like I was several years ago, I could not see daylight. I had bills on top of bills, and the hope of ever paying anything off was an impossibility, or at least thats what I thought, in my hapless state.
After all of the sleepless nights and headache medication I finally figured out that the only way out of the mess was to take action. When I finally realized that I needed to at least start the process, I instantly got some peace of mind back.
I began a process of laying out my bills/credit cards and organizing them from the smallest to the largest. In my case it was $150.00 to $15,000 on about 10 cards. After doing that I went online and found a home budget program that really helped me organize my thoughts and my money. They are very easy to find, just google search budgets for home or something close and many programs pop up.
So I went ahead and organized myself and my money, then was able to find where I was leaking cash. I didnt smoke, I didnt drink, I actually didnt do anything out of the ordinary where I thought I could find any spare cash. FInding any savings seemed crazy to me before I layed all of this out.
To my surprise just what I spent on coffee, or a donut once a week could give me a leg up on a credit card. I realized that I didnt have to stop at a donut shop every morning when coffee was available at the office...even though that coffee can be awful, it was worth the two or three dollars I d toss to the grateful donut girl every morning, if I could pay a bill with it.
That was step one. Then I started taking my lunch....that saved me at least $7.00 per day, so now I m up to ten bucks....Woooooooooooo Hoooooooo!
Doesnt seem like much but guess what? $10.00 X 20 days= $200.00 per month.
The folks at Home Depot would sure appreciate that extra cash, and if I could get my balance down with them quicker....All the better!
Ok this is where it gets better....That 200.00 that you found to send to Home Depot, that finally paid them off....now gets to get sent to your next credit card, along with the minimum payment you have been making to them all along....Trust me folks, your debt will disappear quickly this way.
I realize this stuff is taught all the time online, but rarely do you get the personal take on it....I have to tell you, the amount of peace of mind you enjoy as these debts disapper is impossible to explain, but it is pure nirvanna.
I decided about the same time that I needed to lighten my workload as I was reaching retirement age and was tired of being told what to do by thirty somethings that had nt been alive as long as I d been in business.
I found a company that made great things happen for me, and I hope you ll give them a look...You will realize income you never thought possible.
Author Resource:
Rick Mutaw has been married for 35 years and is father of two beautiful girls....25/28. I have been in the Green Industry for many years as well as other interesting ventures. Come see what we have to offer: http://makemorelivebetter.blogspot.com/
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