Get Out of Debt Advice

New! Just Added: Four Simple Solutions for Saving Money

Dear Get Out of Debt Seeker,

So why do YOU need “get out of debt” advice?

And just how did YOU get YOURself in this mess in the first place?

 Bill collectors calling every other day.

 

 Afraid to answer YOUR phone without checking YOUR caller ID first.

 

 Leaving letters unopened because YOU know YOU just can’t pay them this month.

Every month it’s the same old thing. Not enough money to pay everyone. And it seems to be getting worst.

Juggling…Juggling…Juggling.

Wait…wait…wait a minute, YOU dropped the ball, so here’s YOUR punishment:

 $29 late fees

 

 $39 late fees

 

 $49 late fees, all attached to YOUR new credit card balances.

Oh, by the way, when YOU do open that one low interest credit card bill statement, and YOU take a look at the small print, YOU will notice that YOUR credit card company has just changed YOUR finance rate from its 8% interest rate to 28%, and there’s even a notice in this month’s statement that it will soon go up to 30%.

“Hey,” YOU say, “Can they do that? That has to be against the law. That's highway robbery!”

So YOU call YOUR credit card company, get an unsympathetic customer service representative, who tells YOU – on behalf of Chase Credit Card Member services – that YOU were late with YOUR last two payments, and so they raised the rate.

And YOU catch YOURself bargaining and pleading, “Can YOU cut me some slack? I’m out of work…” No deal, says the CSR. “Thank YOU and have a nice day.”

So, now YOU’re really boiling. The system is broken YOU say. How do they expect me to pay off this debt if they add $39 in late fees to my account every month?” And how does two late payments justify a 20% increase in interest rate which will over time translate into thousands of dollars in extra interest? Is there no justice in the world?

Is YOUR anxiety level rising yet? How ‘bout YOUR blood pressure? Is it increasing?

Are YOU having any trouble falling asleep at night yet? Well, not to worry, its coming…After all, gotta have something to look forward to : ) -

OK enough already…

YOU say YOU already know the problems associated with debt and spending more money than YOU have, but what is the solution?

Well, different people require different solutions to get out of debt. The advice for debt relief that YOU will find on this site comes from many different sources because not every solution will work for everyone.

But, dear friend, believe me when I say that I didn’t have to do one ounce of research to write this page. Been there, done that.

And if YOU ask me to summarize what has worked best for me to reach my goals of getting out of debt, I would have to say that it was a combination of several things.

Redefining my relationship with money

Money is an entity, much like friendship. If YOU mistreat YOUR friend, he will rarely remain in YOUR presence for long. And even if YOU chase him down to the ends of the earth and manage to acquire his presence again briefly, his every move will be geared to ridding himself of YOU and YOUR abusive tendencies. He just doesn’t trust that YOU will do the right thing with him anymore. He’s been burned by YOU too many times before.

For help in redefining YOUR relationship with money, I suggest YOU read these three books.

1. “The Power of Money” by E. Bernard Jordan. Jordan’s book was the one that clearly enunciated why I needed to make money my friend, and why I absolutely had to “give a dime” of every dollar to the Cause.

Here's a personal story from reading Power of Money...  

2. Secondly, YOU might pick up a copy of “Created Rich” by Patrick Barker to start investing YOUR harvest which you will be able to create after digesting Jordan's book.

3. Thirdly, add “Creating Affluence” by Deepak Chopra to your library, and read it. This little book is packed with gems to help YOU start visualizing a new lifestyle and start living YOUR dreams "in the field of all possibilities".

Stop Making Excuses for Spending

Let’s face it, we live in a materialistic society, and a focus on acquiring the things of the physical world has given rise to many debt ridden consumers.

Remember that whatever YOU’re missing in YOUR life will not and can not be replaced by adding “things”.

Take a deep look inside at what emotional things are missing from YOUR life and start to replace those things. Maybe its love YOU feel a lack of; maybe it’s forgiveness YOU have been withholding from someone; Maybe it's…and the list goes on. 

The things YOU are missing are usually classified as virtues that YOU need to develop in YOUR life. And the good part about looking deep inside to find the answers is that -- unless YOU employ a counselor or psychologist to help YOU with this -- it usually won’t cost YOU anything but time to get in touch with what it is YOU are really searching for in life. Hint: it has nothing to do with the physical.

Power vs. Force: The Hidden Determinants of Human Behavior by David R Hawkins, MD, PHD, contains a map of human consciousness and is an excellent read (though it is a bit more technical in its approach than the first two books I just recommended).

Still knowing what consciousness level YOU are currently operating at can be helpful when YOU are trying to go from the low vibration processes of shame, guilt, apathy, grief, fear, desire, anger and pride, to the higher levels of courage, neutrality, willingness, acceptance, reason, love, joy, peace and enlightenment.

YOU can view Hawkins' complete Map of Consciousness here, though YOU might not understand all of its import without having the benefit of reading the full book.

Ask for Divine Assistance—Ask the Father to Bless YOUR Affairs

When YOU ask YOUR Father to bless YOUR affairs, YOU do know that YOU will have a better chance of getting a “Yes, I will bless YOUR affairs” if YOU have given the Lord His due (i.e. YOU have already tithed or have given Him His take of YOUR income--right off the top.)

Friends,

All the YOUs and YOURs on this page are capitalized for a reason, and that is because it really is up to YOU to regain control of YOUR own finances—by any means necessary.

From the above essentials, it should be clear that in order to recall health to YOUR finances and get out of debt, YOU will need to approach debt holistically, i.e. figure a way to balance YOUR materialistic tendencies and wants with YOUR spiritual needs and obligations. Finding that key is truly the secret to being debt free and enjoying YOUR life more fully.

Again I recommend YOU do an Amazon search (see side panel) or a Barnes and Noble search to find the above titles and get started reading them or go to our library page to get the links.

Below are just a couple of articles which I’ve posted about money to my Healthy Servings blog. More to come as this debt resource grows.  

Wishing YOU all the best as YOU venture into getting out of debt, into getting out of bondage to your creditors, and into improving YOUR financial health and prosperity.

Always,

Your Editor

Lo