Jul 21

I Got Out Of Debt And Started Earning Loads Of Money In 60 Days. You Can To

The day you realize that you will never have to work again, if you dont want to, will be the best day of your life!

How would you like to go into the showroom and not just to admire a top of the range car, but to buy it for cash? Picture the salesmans face when you hand over your bank card and say “put it on there”!

How would you like to just call the travel agent and book a luxury five star hotel in some exotic location when ever you want it?

If you have ever been broke and in debt you know how bleak the future may seem. You may be working for a slave driver for a mere pittance with no visible way out.

Did you have to kiss butt last year to get time off for a measly 2 weeks a year vacation that you had to save up all year to pay for?

I have been there, my wife left me, and I lost my job and the home that went with it. Dont ask about the debts! And these were the good times!

But all of that was in the past. The debts are all paid and I have money to spare. I have freedom and you can to. You can be free to do what you want, when you want.

Imagine you have a magnificent home with its own pool, all paid for? “I love your gardens”. “Where did you find your gardener”? “I hear you are buying a beachfront property”.

You have thousands in your bank account, growing daily.

If I can do it so can you.

Lets start to turn things round right now. This is the hard part but as a wise old man once said “the worlds longest journey begins with the first step”.

You need to stop wasting money. Look at all the ways that money disappears during the day. Do you really need that daily paper? Do you buy lunch out while you are at work? What about the Starbucks coffee, and cakes.

What about all those credit cards? Each card will cost you 20% per year or more. This means every $100 you spend on groceries using your card will cost you $120.

This is hard earned money and you are giving it away to total strangers. Why?

Leave your credit cards at home. If you cant pay cash, ask yourself if you really need it. Do not believe the salesman who says “If you dont buy it now it will not be available later”. There is always another one, maybe cheaper, in the next shop.

Only take advice from someone who can prove they have made money for themselves. Avoid get rich quick schemes.

Did you know that most of those get rich quick schemes are total bull-dust and only designed to make the authors wealthy? Some are so bad that no one could make a single dime from them, no mater how many hours they worked or how much they invested.

You will also have to change your beliefs.

All millionaires believe that they deserve to be wealthy; all poor men believe they deserve to be poor. What have they done to deserve this? Are they any better or worse than the next man?

I believe it was Henry Ford who said “Whether you think you can or you think you cant, you are right”! Basically you are what you think

Do Olympic athletes think about loosing? No. They visualise winning. They eat, drink, sleep and dream about winning.

There is a saying “Winners never quit and quitters never win”. Which are you?

Thats right “You Are A Winner”!

Now is the time to start dreaming of winning, and winning big.

You need to start to work for yourself because you will never get rich while you work for someone else. You may make them rich but they are not going to share it with you.

A pilot for Virgin Airlines may earn good money but will never live the same lifestyle as Richard Branson.

Believe that you can earn more money than you will ever need. There is no reason why one man will succeed and another will fail. No person is born with all the luck.

Learning to visualise is easy and will greatly help in making you rich. If I say “Golf Ball”, you will visualise a picture of a white, round, hard, ball with dimples. If I say “Slazenger Golf Ball”, you will also picture the name on the ball. What about “An Old, Split, Golf Ball”?

This is just a simple visualisation but it shows that we all think in pictures.

This will work with your dream car. Put photos of it all over the house, visit the dealers and try it out for size, have a test drive. Visualise yourself driving your new car for 5 minutes each day. Hear the engine, smell the leather, be there.

This will work for anything. If you constantly think in pictures of wealth what do you think you will get. Think about your dream lifestyle as much as you can and believe that you deserve it.

My turning point was when I got a copy of “The Midas Method” By Stuart Goldsmith. From that day on I never looked back.

Who was the idiot that said money does not make you happy? “If this is being unhappy, give me more”!

Take a look at this E-book and if it does not work for you there is a money back guarantee. You will either gain wealth or get your money back. You cant loose.

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Jun 27

Do you live a lifestyle where charging basic necessities like groceries is unavoidable? If you do, things need to change! Being caught in the debt trap can be quite stressful and can even wreck havoc on your physical health and well being. Yet, you dont really have to spend your days worrying about how you are going to pay that mountain of personal debts that you have accumulated over the months. If you want to get out the debt trap, you need to sacrifice some of the things in life and invest in the future. To help you get out the debt trap, here are some pointers for you.

Get rid of some of your cards

If you have accumulated a mountain of personal debts in your credit cards, do not add more to it. Unless it is an emergency, do not use your credit cards. Dont believe those people that you cannot live without your credit cards. People in the past did not have credit cards and they lived longer and had lesser stress. If most of your credit cards are already near their credit limits, look for a company that will allow you to consolidate your credit card debts for a lesser interest rate and longer payment periods. Once the balance of your credit cards have been consolidated to one account, cancel some of your credit cards. Its better for you to live with two or three credits cards than having more than five of those plastic things.

Live frugally

If you have been drinking coffee that cost you 2, you will need to give up that coffee. Start brewing your own office instead of buying those expensive cups of coffee from Starbucks. Fine, your brew coffee will definitely not taste as delicious as those expensive brews but if you really want to get out of the debt trap, you just have to make few sacrifices. If you really like expensive coffee, you can treat yourself to a couple of cups per week and nothing more.

Aside from brewing your own coffee, it would be best to start bringing your own lunch to work and cook your own dinner instead of eating out. According to studies, you can save as much as 100 a month if you bring your lunch and you can save as much as 200 if you take your time to cook your own dinner. Now, if you do not know how to cook, this is the right time for you to start learning. Cooking can be a lot of fun and before you know it, you will have so much fun in the kitchen that you would not really want to go out and eat as much as you used to.

If you combine all your savings from your coffee, lunch and dinner, you can already a considerable amount of money saved. You can use your savings to start paying off your debts. If you continue to live frugally, in no time, you will be relatively debt free.

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Jun 18

In this day and age, it only takes a few financial missteps and many consumers can find themselves in trouble. The one factor that exacerbates this is debt, or, to be more precise, overwhelming debt.

For some consumers, getting out of debt simply means tightening the household budget and being more stringent on new purchases. For others, the challenge of getting out of debt can be more daunting. In either case, the best self-help plan for relieving debt is planning and discipline.

The first step to relieving debt is to find out where you are. Make an income list and an expense list. On the income statement, list all of your income. On the expense statement, list all of your current bills. Once this is complete, subtract the expenses from the income and you will have your disposable income. For some consumers, this may be a negative number, which means you are paying out more than you are bringing in.

In order to maintain a clean credit report and keep a high credit score it is imperative that you pay all of your bills on time. This is simple common sense, but what if you do not have enough money to pay all of your bills on time? What can you do?

When expenses outrun income you have two viable options. One is to increase your income; the other is to decrease the amount of cash needed to pay those bills.

There are many ways an individual or family can find fast cash by simply cutting back on what is spent per week on household items and living expenses. For example, rather than buying lunch during the work week, pack a lunch. Rather than going to the theater, rent a movie and watch it at home. You may find that getting a part time job for a while is a good way to increase your income. The key is to monitor your savings and protect those savings so that you have this cash available at the end of the month.

In order to decrease the amount of cash needed to pay your bills you may want to consider a consolidation loan on your credit cards. A consolidation loan allows you to bundle up several outstanding loans (all of which require an individual payment) and make one single payment, usually at a slightly lower interest rate. The total of the one payment under a consolidation loan is often substantially lower than the total of the multiple payments you were making before.

If you have any disposable income available for use after paying your bills, you may want to find the loan that has the lowest outstanding balance and begin making double payments on that one particular account. Once this account is paid, you can use the money that you would have been using to pay this account to help make additional payments on the next lowest balance account.

With some planning and discipline, you can begin to pay down your debt obligations and begin to see some real progress in your financial status. The important issues during your self-help in debt reduction are patience and diligence.

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Apr 25

5 Ways To Try And Reduce Your Debts And Outgoings

Anyone that has a high level of debt or a number of creditors to pay off each month will know how stressful and difficult financial management can be. However, for those crippling themselves with monthly outgoing as a result of high debt levels there are some steps that could help to reduce the amount that you have to pay out each month, as well as reducing overall interest paid on your debts.

1. See where you can make cutback’s on your outgoing’s. Look at cutting back on little luxuries such as eating out at lunch each day rather than taking sandwiches to work with you. Also cut out any unnecessary expenditure, such as subscriptions and memberships that may no longer be of much use to you. It is surprising how much you can claw back through a number of small savings each month, and this can then be applied towards your smaller debts such as credit and store cards in order to clear them more quickly.

2. Make sure that you are aware of exactly what is coming in and going out of your account each month. Trying to manage your finances and prioritize on paying off debt is impossible if you don’t keep a proper track of your income and outgoing’s. List down every little payment that goes out of your account so you know exactly how much you can afford to spend or put towards clearing your debts a little faster.

3. Consider consolidating your debts. By consolidating smaller debts with one larger loan you can reduce the number of repayments you have to make each month, cut back on the number of creditors to whom you have to pay interest, and dramatically reduce the amount that you pay out each month. For homeowners, a secured loan could be the ideal solution, as this can be spread over a longer period and this helps to keep monthly repayments down. You should be aware though, that by taking finance over a longer period, this would mean you pay back interest for longer. However, if the interest rate is lass than what you currently pay, and lower monthly payments means that you have more disposable income to spend, it would serve to prevent it from being necessary that you need to take on extra borrowing as you will have spare money each month to either build up savings and be able to afford things which you made want to purchase, with out borrowing additional money.

4. Try and clear your overdraft. If you have an overdraft with your bank, and you find yourself reaching the limit every month, one small transaction is all it will take to push you over the limit and of course this means hefty bank charges being added to your account. By ensuring that you keep your overdraft at a sensible level rather than teetering at the brink of exceeding the limit you can avoid these hefty charges.

5. If you do intend to take out another loan this should be by way of consolidation rather than an addition to your existing finance, as consolidating all your existing credit may help to ease the financial strain and reduce outgoing’s, whereas another added loan will increase both. It may sound obvious but try avoid taking out a loan as an easy solution, as this will only suffice for the short term and you may soon find yourself struggling to keep up with all of your previous debts plus a new loan.

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