How 2B Debt Free Blog

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If you’re living paycheck to paycheck, the cycle can seem like it is never going to end. In this economy, it’s hard not to spend more and more money each time you go to the grocery store and put gas into your car. Personal finances are getting tighter, and more people are getting bogged down in debt. There are things you can do, though, to help you spend less and save money in this economy. 

 By applying these tips,  getting rid of debt,  financial freedom is a possibility to finally being debt free.

Saving Money on Electricity

1. Unplug appliances you’re not using. Even if an appliance is turned off, it still uses a small amount of energy, if it’s plugged in.

2. Fit heavy curtains  over your windows. In the winter, it will keep the warm air in, and in the summer it will keep the hot air out.

3.  Insulate and weatherproof . Go overboard on the insulation in your house, with heating bills going up  during the winter, now is the time to start. Caulk and weatherstrip the cracks around your house, put draught strips under the doors if there are any gaps between the doors and floor, even on the internal doors of your house.

4. Use your outside laundry line. Line dry your laundry outside for as long as possible.

5. Set the  room thermostat at 19 degrees in the winter. Try not to use your gas heating in summer even if the day is chilly, wrap up with a jersey. 

6. Close the heater vents in rooms you aren’t using, and switch of the lights if nobody is in the room.

Saving Money on the grocery bill.

There are loads of ways to save money on your grocery bills, in fact after your utility bills your grocery bill is one of the places that families can really cut back on, you dont have to go over board in learning  how to be to be debt free, just change your spending habits.

1. Buying generic food brands. This is another one of the ways to save money, most stores offer a generic equivalent to foods.

2. Buy House Brands. Next time you are in the store compare  the prices between the stores house brand and the other well known brands, you will notice that there is a huge amount of difference in price, especially with cereals.

3. Shop at the cheaper alternative shops. In the UK instead of shopping at ASDA or Tesco try Liddle or Aldi,  in the US try shopping at  Wal-Mart. I know lots of people who hate Wal-Mart and Liddle, but you could find substantial  savings in your bills.

Saving Money on the Telephone, Internet, and Cable

1. Cut out unnecessary services. If you are paying extra fees for services  like call waiting and caller ID, then cancel these extra services.

2. Use email or instant messaging instead of calling long distance.

3. Try a digital phone service like Vonage, or  internet phone or use service like SKYPE.

4. Use a dial around number for long distance. Especially if you phone internationally often like I do, I have family in SA, OZ and NZ, and by using phone cards and cheaper service I pay around 3p per minute, and there are still cheaper offers out there. 

5. Bundle your phone, TV and Cable. See if you can get bundled savings for your phone, internet, cell phone, and satellite services.

Saving Money on Water

There are also a lot of ways to save water on your water bills - without doing anything drastic like bathing once a week.

1. Shorten your showers. Shower more often than using a bath, make an effort to shower quicker.

2. Save money on sewerage.  Put a half gallon water jug, or  a normal brick in your toilet tank.

3. Gut back on watering your garden .Let your lawn brown out during the summer. Don’t worry. It will come back during the winter.

4. Reuse rinse water from hand washing dishes to water plants.

5. Turn off the water while you brush your teeth.
Start your emergency fund

Now that you are starting to save some money on your utility and grocery bills, don’t spend the money, start a emergency fund ( separate savings account) . A rainy day is bound to come, your tires are going to need replacing and your kids are probably going to get sick. Don’t be surprised when those things happen, be prepared.

One secret to financial freedom is to pay yourself first,  before paying any bills, one secret to financial freedom is to pay yourself first.  Whether it’s $10.00 or $100.00 a month, just start somewhere and start now. The sooner you start, the more you’ll save and the quicker you will be to no longer living paycheck to paycheck and finally being debt free.

If you want to discover more ways to debt elimination or are looking for debt advice then go to How to Be Debt Free.

saving money

how to save money

debt management

Debt has always been a concern for some families, however now days even fairly well off families are going to have to learn to tighten their financial belts. The times ahead will be hard on everybody - however one thing that will be the saving grace for a lot of families is that thank goddess for the Internet - help is just a keyboard away.

The Internet is able to produce an amazing list of help centres, debt advice  and saving tips for people in practically any country around the world , all you have to do is learn to use it correctly.

The media these days are full of horror stories about family debt and people living below the poverty line, below are just a few stories that I have picked up.

–Will You Lose Your Marriage Because of Debt?–

Here’s a scary statistic: Over 70% of marriages that end in
divorce are due to “financial difficulties.”

In most cases,that means DEBT. If your marriage is suffering because of a high debt load, you need to do something about it NOW.  Not
tomorrow, Not next week. If you wait any longer, you may be bankrupt, divorced or both.

–”I Never Should Have Tolerated It!”–

Mary was angry. She was losing her husband to divorce. Why?

Lack of money– the debt was out of control.  Hurtful things were said, her relationship with her husband declined and never recovered.  It’s sad, really, but not uncommon. Not at all, did you know over 70% of marriages that end in divorce are due to financial difficulties.  If your marriage is -
suffering because of a high debt load, you need to do something about it NOW. Not tomorrow. Not next week.

Help is at hand these days and all you have to do is start gathering information that will help you to control  and get rid off your debt.

 Everything You Know About Becoming Debt Free is WRONG!

Not just kind of WRONG, but completely WRONG!

And it Will KEEP You in Debt the Rest of Your Life.  But I can show you a breakthrough debt elimination technique that will have you completely debt free, including your mortgage, in about 3 to 5 years. Without bankruptcy. Without debt consolidation. Without any illegal or immoral tactics.
This is not debt avoidance.

It is simply a breakthrough  method of paying off your creditors that shrinks your debt  faster than you ever imagined. No matter how much you owe. In about 3 to 5 years.

My name is Clint Holland. At one time in my life I was $213,000 in debt. Because of providence, I discovered a breakthrough in debt elimination and became debt free in just 4 years. Now I’ve created a system that anyone can use to pay off all their debt, including the mortgage, in just
3-5 years–without bankruptcy, debt consolidation, or any unethical tactics.

 Will you let me help you?

Change the horror  stories of debt, to success stories like below.  

SC Man has Eliminated over $200,000 in Debt in 4 Years!

And I can show you how too. What if I could show you a breakthrough debt elimination technique that will have you completely debt free, including your mortgage, in only 3 to 5 years. Without bankruptcy. Without debt consolidation. Without any illegal or immoral tactics. Not debt avoidance.
It is simply a new way to pay off your creditors that makes your bills shrink so fast you will be out of debt, no matter how much you owe, in only 3 to 5 years. And that includes all your bills, credit cards and mortgage.

And it has an unheard of 97% Success Rate!!!

Member of the Better Business Bureau.

If you are looking for more information concerning debt and debt advice - then please go to How to Be Debt Free

saving money

how to save money

debt management

Be aggressive in paying down Bad Debt, but don’t get so ambitious that you risk missing minimum payments on your mortgage, automobile, or any other secured credit accounts.

Step one: Work it out
Sit down and work out how exactly how much you owe and who you owe it to. Gather the latest bills from all  your Debt accounts.
 Find the minimum monthly payment for each account and then add these up to get an overall monthly minimum. Pledge to pay this overall minimum PLUS an additional chunk every month — enough to make a good dent in the outstanding balance of at least one account.

Next, order the latest bills according to annual interest rate charged. Apply the ” additional chunk” (beyond the minimum) to the highest rate account(s). Repeat this process monthly until the last  Debt account is paid in
Step two: Budget
Once you know how much you owe you can draw up a budget, including a schedule for repaying your debts. Be realistic and work out what you can afford to repay and still stay within your budget.
 Do this by setting up a simple spreadsheet. In one column, list your monthly bills (rent or mortgage, auto payment, utilities, cable, etc.) — everything that is a regular monthly expense. Then list variable expenses (things that change every month) like groceries, gas,  etc.

In the second column, put down the amounts for each. Be sure to put enough for things like gas and groceries, as you don’t want to be short. Also include your minimum debt payments and your emergency fund deposit.

Now, list your income sources and monthly amounts. This is now your temporary spending plan . If the expenses are greater than the income, you’ll need to make adjustments until the expenses are equal to or less than the income.

Step three: Be disciplined
Don’t borrow any more money or take on any more debts until you have repaid what you already owe.
Pay bills on time. This may be a problem for a lot of people. It’s important, if you want to get out of debt, to start paying all your bills on time.  If you have trouble remembering, try one of these methods:

•  pay bills as soon as they come in — take them to the computer and pay them online, or write out a check and prepare the envelope to be mailed the next day; or
•  set up a reminder in your calendar program to tell you when bills are due. 

Step four: Watch your daily spending.
If you find it hard to keep track of your spending and ensure that you’re sticking to your spending plan. Here’s the key:

• Take a set amount of money out of the bank at the beginning of the week.
•  give your card to a friend or family for self-keeping.
•  first do the emergency fund deposit.
• Then do the debt payments.
• Then do your monthly bills.
• Now withdraw the variable amounts in cash 

 and put all these amounts into separate envelopes. This system is  old-fashioned, but it works, as you don’t have to worry about overspending. When your envelope is empty, you can’t spend anymore.

Finally 

 Continue to cut back on non-essential spending as much as you can at this point, so you’re able to stick within your spending plan.
 Make small cutbacks  look at things you normally buy and see if you can cut out a few of them, or spend less on them. Groceries? See if you can buy house brands instead of name brands. Coffee? Make it yourself at home instead of buying out. Lunch? Try packing it to work instead of eating out.

 Another great way to get out of debt faster is to make more money. Look at ways you can make money on the side — Take 30 minutes to brainstorm. Are there ways you can start a small home based internet  business ? Sell your valuables on eBay? Start freelancing on the side? Get a part-time job? This only has to be temporary, but the more money you make, the faster you’ll get out of debt. Be sure to apply your new income to your outstanding debt and you will soon be debt free

saving money

how to save money

debt management

There is a way to control your debt and finally become debtfree, it is not as hard as it seems, in-fact it might sound silly, but the only reason why you are in debt is because of one silly rule that we tend to forget, which is,

We spend more than we earn

To control this debt monster  you have to  start making small changes to your household expenses, and you will soon notice a difference, you do not have to do any thing that is drastic, just have a plan that you can implement TODAY and each week you will start having more disposable income in your pocket. Do not go and spend this extra cash, use it to cancel more of your debt.

To get your self out of your mountain of debt, 3 things have to be in place.

1.  have a plan -  an expense and a  payment plan.
2.  start paying off your debt.
3.  start saving plan, (emergency fund).

 You have to learn to get your finances under control, it is crucial to  plan your spending,  and because we never know when an emergency could arise you need  to create an emergency fund.

One of the most important steps, as mentioned above, is  that you need to find a way of  increasing  your  income in multiple ways, in a series of steps designed to get your finances in better shape and to pay off debt faster.
Living within your budget should be the first thing you do,  It is vitally important. But it’s only a part of the equation — spending less only gets you part of the way. Earning more gets you the rest of the way.

How can you increase your income?  Sure, anyone can create a blog, write an ebook, freelance, write a print book.  But it doesn’t always work out for everyone.

The key is to find something you’re passionate about, and pursue that with all of your heart. That might mean educating yourself, and learning new skills. That might mean finding mentors, and starting at the bottom. But when you’re passionate about something, you’re more motivated to learn and to succeed. Really pour yourself into it, and you’ll find a way.

It’s also important to seek new opportunities, and don’t let good ones get away. If the opportunity doesn’t work out, well, drop it … but at least you gave it a shot. And who knows? One or more of those opportunities might turn into pure gold.

Start implementing this 2 step approach now, to start decreasing your debt and work towards becoming DEBT FREE.

Step 1 : Resolve to spend less than you make
 Realize once and for all that if you can’t pay for it today — you can’t afford it.

Work out your Debt.

Sit down and work out how exactly how much you owe and who you owe it to. Be honest or you’ll only store up more problems for the future. If your debt repayments take more than 20% of your net monthly income you are entering a danger zone and must take steps to cut back.

Understanding how much debt you’ve accumulated is the first step toward reducing it. Use a  Debt Checker Calculator to determine the total amount of your debt. It can be difficult to confront that total, but it’s critical that you do. so you know exactly how much you owe to the world. Put them in a spreadsheet, with monthly payments, interest amounts, balances, and a running grand total of all your balances. Update it monthly as you pay off debt, and watch the overall amount go down slowly.

Create Your Plan

Put the plan for reaching your goal on paper. The Debt-to-Income Ratio Worksheet and Debt Goal Worksheet may help you set targets for monthly expenses such as utilities, groceries, medical costs, household needs, and transportation. Set realistic targets and then try to spend even less. Make hard decisions about how to squeeze more of what you earn from your budget to pay off your debt. Don’t forget to budget for the unexpected, such as replacing a broken hot water heater or emergency medical treatment.

Step 2. Distinguish between Bad Debt and OK Debt
OK Debt has an interest rate well under 10% — preferably with some tax advantages to boot. In the best case, what you bought with borrowed funds will appreciate in value. Home mortgages and student loans are examples of OK Debt. Automobile loans are on the border: They often satisfy the low-rate piece, but automobiles almost never appreciate in value. Bad Debt is everything else — from your Gold credit card to the 29% loan from Lenny’s Kwik Kash.

 Cut up store cards
Store cards charge by far the highest rates for credit, so if you’re finding it hard to manage these debts throw away your cards now to avoid temptation.
You’ll pay well over the odds for most store cards - it’s better to pay cash if you can. For those items you can’t pay cash for, shop around for the best deals - the market is competitive, so there are some excellent interest free credit offers around. It is also worth taking a look on the internet as many products are offered there more cheaply. 
 
Cancel the credit card.

Cancelling your credit card is  crucial in getting out of debt, credit cards are extremely tempting, and with the high interest, they can be very dangerous. It is possible to use them wisely and even profit from using them - however, most people don’t use them that way, so it’s better to just cancel the card.

Eliminate non-essential expenses.

You need to cut back on luxuries,  eliminate everything you do not need: cable TV,  eating out, going to the movies (except on rare occasions), alcohol, cigarettes, buying new clothes (except when really needed), etc. Re-learn what it is like to live frugally. This is an important aspect of being debt Free.

Create a  spending plan.

Most people don’t like to use the word “budget”  so use a more neutral  term like “spending plan”, because it conjures images of creating a plan to achieve a goal, taking action, and doing something about your problems. Nevertheless, both concepts are essential the same: figure out how much you make, and consciously decide how much you want to spend  this month.

Instead of doing a monthly budget try  a  paycheck budget, it is much more specific, you then can see exactly how far your paycheck can stretch.

Anyway, the spending plan is essential. You have to decide where your money is going to go before you actually spend it. Remember it was spending without a plan that  got you  into trouble. A plan should be flexible, and have a little manoeuvre, because life changes.

Finally
Always Track Your Spending—Using the plan you’ve developed, track your spending carefully so you can look for additional ways to save. The more money you can apply to your debt each month, the sooner you should be out of debt. If you need more help with your Debt, please see the following list of  Debt Advice Centres, which can really be beneficial in getting rid of your Debt Monster. 

saving money

how to save money

debt management

A product review of the –One-Month-Magnate

If you were to steal everything I owned, emptied my bank account and stripped all my assets except for my PC and my Internet connection
In fact if you left me with NOTHING……
I would have created a regular monthly income within 30 days,  and in the process become Debt Free

How to make a regular income in 30 x days!

 I started with NOTHING. No list, no contacts, no websites,  In fact NOTHING that would make me any different from any newcomer who wants to earn a living from the Internet.
All I was allowed to use was my experience.
They said I couldn’t do it. I sat at an empty desk with an old PC and NOTHING else. I had thirty days to earn a living, from scratch, using just my PC and the Internet.

 I made over $4,000.00 in 30 days. And what’s more I did it WITHOUT a website.
In this amazing book I show you, in full detail, and with NOTHING left out how I did it.

Is this your Current Life-Style?
You probably work too hard for not enough money. Maybe you don’t see enough of your children or your partner, or want to learn how to surf, or to paint, or TO GET RICH, but you’re too busy working for someone else to make any of this happen?

Can I change this for you?

Several years ago I used to be an employee (didn’t we all?) until the inevitable happened and I was called into my boss’s office one Friday afternoon.
‘No more company, no more money, so no more job Tony’, was what he told me.
The whole workforce was dismissed there and then.
No money – no severance pay – no comebacks.
I went home and took stock.
I had roughly $60,000 worth of debt, not including my mortgage, and approximately $600 in my bank account.
That was it.

 How I Changed me Life.
Exactly 28 days later I had £2,819.42 (around $4,000) in the bank. The bills were paid, and the freezer refilled.
What’s more it was the MOST money I had ever earned in a month IN MY LIFE. I had been out of work for 30 days and yet I’d earned more money than any employer thought I’d ever been worth in the past.

  
Find out how I made $4000 from NOTHING in just 30 days.

Get Your Life Changing copy of the One Month Magnate

Benefits of the One-Month Magnate..
The blueprint I’m offering you changed my life. I use it every single day and I make more money than I could ever have dreamed of as an employee. I’ll show you How to be Debt Free:

 How I made a regular monthly income starting from NOTHING, in just 30 days.

 How you don’t need experience or need to be a computer genius to make money in 30 days.

 All you need is a PC and an Internet connection (and 30 days).
 How you can replicate the process each month until you have multiple income sources.

 Find out how if you use this blueprint once per month you could be earning over $312,000 by this time next year.

 How the freebies I GIVE AWAY bring me more money than I used to earn in a month.

 How to create you own profitable e-product in 2 days.

Conclusion
True security doesn’t come from a steady job. Forget that idea right now. Nor does it come from having a pile of money that can’t be replaced.
TRUE security comes from the ability to replace money you spend. Anywhere. Any time.
True security comes from being able to refill your wallet- having multiple sources of income that can be replaced or started from NOTHING should anything go wrong.
It’s a nice feeling been debt free. 
 

Here is to your success

Alan Scholtz

Discover Financial Freedom

Make Money Online

A product review of the –Worn Paper report

Learn how to be Debt Free, by using this  copy of a dynamic blue print for churning out website after website.
Making money on the internet is not hard, unfortunately the hardest part is knowing where to start, how to set everything up – imagine if you got your hands on a blueprint which would show you step by step, what to do….. show you how to make extra money for months and years to come, Imagine finally being Debt Free.

The Worn Paper Report 
I was one of the lucky ones who made money on the Internet as soon as I tried. But while project #1 was a big earner, the next one bombed. Then I’d have a couple of small successes and then nothing for three months!

  I couldn’t understand why I couldn’t consistently earn from my Internet activities.
 
That is until I learned to watch and take note of exactly how I did things – the mistakes, the successes, the small errors that cost me hundreds, and the nice little touches that earned me thousands!

I watched myself for over a year, writing down the results so I could avoid the losses and replicate the big successes.

I have an old, worn piece of paper pinned to the wall above my desk in my home office. It’s a bog-standard white (although now going a bit gray) piece of paper with a few pencil scribbles and lines on it.

It’s ugly.

It’s blotchy.

It’s even torn.
 
YET THIS WORN PIECE OF PAPER HAS EARNED ME TENS OF THOUSANDS OF DOLLARS.
It took a lot of time but I did it. I was so excited when I finally found the system that practically guaranteed success that I couldn’t even be bothered to word process the invaluable flowchart I’d devised – I just started using it on project after project!
 

It changed everything. My earnings doubled, tripled overnight and because I was so busy earning I ended up working from a worn piece of paper…

It’s dynamite!
 
Since I’ve started using my ‘worn paper’ system, I haven’t had a single failure in my Internet business. Not one.

 Get the Advantage of the Worn Paper Report. 

It  normally takes a few days to put each website together and should never cost you more than $50 to set up. In fact now days there are options where you would not have to spend a cent to get started.
 
Once each site is up and running you  can pretty much leave it alone to generate extra income for you .
 
Each one of  the  websites follows a simple yet brilliant formula that almost guarantees success. In fact if you follow this system you could  potentially – have a website  that usually earns this marketer  a regular income of a  over $1,000.

I’m talking about simple, one and two page websites that generate a regular income – day after day – week after week.

This isn’t just theory – this report will  actually  give you, real examples, along with plenty of screenshots so you can see exactly how to  make your  living from  your  websites.
 

What this report will  show you,  is how to really make money on the Internet
 

 How to Make Money Online

Where else can you find a home business you can start with no money, no stock, no paperwork and above all, no marketing costs? It’s almost a  “free” business anyone can do. As I said, some sites could cost you $50 to start – most – the vast majority of  your  sites – will cost nothing. 

 If you would like to change your life – really change your life and earn your income from home, from the Internet and from your PC then you should really consider clicking on the button below.

Get your copy of the Worn Paper

Conclusion
That tired worn out piece of paper  – the blueprint for success – the one  that’s generated tens of thousands of Dollars…

IT’S IN THIS BOOK !

Reproduced fully and faithfully from the torn, worn original!
 

It has been copied  exactly, so you can follow the same principles, as well as actually seeing the examples of screenshots. You can build as many income-generating websites as you wish.

  Here is to your success with building your websites

Alan Scholtz

How to be Debt free

For more  ideas & opportunities to Start Your Own Internet Business 
 
 

A Product Review of  the -  Zero to Fifty  in 30 days-  Report

 Learn How to be Debt Free

Despite what you may have heard, Internet Marketing and making money online is not as hard as some people would like you to believe…

Give Me 2 ½ Minutes And I’ll Show You a Brand New System That Will Make You At Least $50 A Day.. In Just 30 Days

It doesn’t matter what you want to do online:

If you want to make a quick burst of cash to pay some bills, I show you how.

If you want to setup a business that provides you with a monthly income with very little work on your part, I show you how.

All you need is a proper step-by-step plan to a profitable and easy to start business.
Of course you do need to follow the plan in order to get any results, but that is pretty self explanatory

The key to starting a successful online business is…

Finding a successful and easy to follow business model and duplicating it over and over again. Of course, there is more than one way to make money on the Internet and there is more than one successful business model to follow.

This is where this guide comes in…..

It will NOT take you years to learn everything you need to know.

You do NOT need a lot of money to start.

You do NOT need to know everything there is to start earning good money.

You do NOT need to come up with anything revolutionary.

A Step-By Step Guide.
How Would You Like A Proven, ‘Take You By The Hand’, Step-By-Step System, Even A 12 Year Old School Kid Can Follow, To Generate At Least $50 A Day?

DO NOT be mislead into thinking that a product, report or course that sells online by so-called “gurus” for $297, $497, $997 or more, will show you how you can earn a living online.

At best, most of them are too time consuming and costly, and at worst, they actually do you more harm than good.

I’m going to show you how to start small, make regular, small amounts of money, and then invest some of that profit back into your business to make it grow and earn you more.

It’s all about keeping it simple. And using the exact same methods that I’m going to show you in my new Zero To Fifty In 30 Days! report, I now generate over $5,000 a month.
 Get YOUR copy of “Zero to Fifty In 30 Days” Today
 
What You Will Discover In this Fantastic Report
How to Create a High Converting Squeeze page..

How to effectively use a Autoresponder

Setting up Your One Time Offer

Driving Targeted Traffic to Your Squeeze page

How to Leverage Your Opt-In List

How to make Your Money back with This Report.

Conclusion
That is just a few of the valuable tips and resources that you will learn in this report.
If you really want to be successful and learn you to make money on-line, so you can finally be Debt Free then I suggest you get your copy of ” Zero to Fifty in 30 Days” without delay.