Author Mark Silverthorn explains why credit counselling is an expensive method for eliminating consumer debt

Get out of Debt: 5 Lessons you must take right now!

Depending upon your specific circumstances, there are distinctive ways to deal with escaping obligation. How about we examine them right now so you can choose which approach will work better for you, in view of where you are monetarily at this moment.

If you have been paying your bills on time and have a good credit record (and want to keep it in a good position), and you are working and have a monthly income, then you can follow the plan outlined in Part 2. of this book – Credit Counseling or Debt Settlement will not be a good choice for you.

If your accounts are past due and you cannot make the payments, then the Credit Counseling (also commonly known as Debt Management or Debt Consolidation) or the Debt Settlement might be a good choice for you. You can go to Part 3 for more information on these services.

It’s important to note that there is no magic bullet that will work for every debt situation. In any case, remember that much of the time, cash issues are NOT the consequence of budgetary issues but instead an aftereffect of how we think.

This may sound esoteric to some people, but when you think about it you will realize that it is true. For example, take any self-made millionaire, somebody that went from poverty to millionaire by himself or herself. If you were to take all their money away, do you think they can make it back? You bet! The reason is that they have a different set of beliefs about what is possible in life, they think differently than most people.

And when you consider that most people that won the lottery lost it all within just a couple of years, then you can see that how we think and what we believe is possible for us makes all the difference in the world.

I don’t believe in luck. I don’t believe that we are like a leaf in the wind that goes where the wind blows, with no control whatsoever over what is possible. I used to think that way, but not anymore. I believe that we are all in charge of our lives and in charge of our destinies. And I invite you to try this approach in your life, and discover that in reality, you truly are in charge of your destiny. Anything is possible for you, no matter how the economy is doing or what is going on around you.

This is the main reason I included the section about how to change your limiting beliefs in this book. Even if you manage to get out of debt without changing your beliefs about what is possible for you, then there is a very high chance that you may get back in debt in the near future. And I sincerely want you to live a successful, happy life that I strongly believe is your birthright.

There is so much abundance around us all the time, yet we fail to appreciate it. Instead, we are taught from an early age that all supplies are limited. Limited jobs, limited opportunities, limited money, limited everything! Then no wonder when we analyze our belief systems -see Part 4- all kinds of limiting beliefs start popping up that we never knew we had, but we have been blindly guiding everything we did in our lives since we were little kids.

I sincerely want you to become debt-free as soon as possible, because I believe that being in debt is being in financial slavery. It limits everything you do in your life going from whether you will send your kids to private or public school and the education they will receive, the area of town and the house you will live in all the way even to the medical insurance you will get! When you are in a good financial situation, you have many more choices available to you. Living in poverty is NOT the solution to the world’s problems.

Now it’s time to begin your journey. If you are ready to become debt free and live a financially stress-free life, turn the page over to Part One, where I discuss what credit is and how it can either destroy you or make you rich, depending on how you use it. You will learn

Cut Down Debt to Zero, Live Financially Free!

Can you really eliminate debt quickly?

DEBT FREE: How To Eliminate Debt And Live Financially Free – Frugal Living, Debt Management & Budgeting Debt will teach you the root cause of your debt – both the false mindsets and decisions – and then you’ll find out how you can take the first steps toward financial freedom.

With the laser-like focus provided in this guide, you will find out exactly where you can apply this in your daily life and turn your financial situation around.

9/10 people don’t know how to take charge of their finances. They are in debt, have no clue and will forever be in the grip of debtors. You can learn to become FREE now! The first step is having the confidence to commit to master this area of your life – by reading this, I know you’re one of those few who.

Order DEBT FREE: How To Eliminate Debt And Live Financially Free – Frugal Living, Debt Management & Budgeting Debt now, and start reducing your debt today!

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You’ll be so happy you did!

Forbes calls David Carlson’s personal finance blog Young Adult Money “a must read for millennials.” Hustle Away Debt, Carlson’s new book, gives millennials drowning in debt – student and otherwise – a lifeline. Carlson details his secrets to getting out of debt through the concept of “side hustles.” He shows how side hustles can help you develop new sources of income that allow you to pay off debt faster. He also shows how this can lead you to explore new fields you might not have otherwise worked in and how you can pick up useful skills for your full-time job – all while developing your earning potential to the fullest.

The year 2010 marked when the National Bureau of Economic Research declared an end to the Great Recession. The economy had shed over six million jobs in 2008 and 2009, but few had been recalled to work by 2010. Today, government policies have yet to make a significant dent in unemployment. In End Unemployment Now, Ravi Batra explores why this is the case. He explains how joblessness can be completely eliminated–in just two years, and without the help of our painfully incompetent Congress. The President and the Federal Reserve have the legal authority to generate free-market conditions that will quickly end the specter of unemployment, all without involving Congress.

Some examples of how to end unemployment without congressional intrusion:
• Creating a bank by the FDIC to compete with banking giants and then charging only 5% interest rates on credit card balances, instead of the standard 10-35% seen today
• Banning mergers among large and profitable firms, as such mergers directly cause layoffs and reinforce monopoly capitalism
• Aid to small businesses in the form of cheap loans and government contracts, because small firms have been real job creators since 1980, while Big Business has been a job destroyer
• Offer retiree bonds to increase the incomes of pensioners who live on savings and whose incomes have been practically destroyed by the collapse of interest rates
• Bring oil prices down to $20/barrel, which would lower a gallon of gas to $1.50

Get control of your finances – and your future!

Do you feel like you’ll never pay off your student loans? Worried about your mounting credit card debt? Wondering when you’ll ever make enough money to stop living paycheck to paycheck? You’re not alone – millions of young Americans are finding it hard to save for the future and still pay today’s bills on time.

But with The Everything Personal Finance in Your 20s and 30s Book, 3rd Edition, you’ll learn how to be financially independent by:Creating a workable budgetMinimizing credit card and student loan debtInvesting money wiselyBuilding an emergency fund You’ll also learn how the Consumer Financial Protection Bureau can help you navigate the often-confusing world of financial service products. With this easy-to-use guide, you’ll learn how to manage, save, and invest wisely – starting today!

This book will help you deal with any IRS Form 1099-C that you get from the IRS. This book teaches you all the insider tips, tricks and secrets to avoiding taxes on debt forgiveness income and shows you how to cancel this “phantom”income. If you had debt forgiveness for any reason, you cannot afford to go another minute without reading this Manual. Book includes a bonus CD recording of Dan at a live seminar on this subject.