Debt free living is absolutely within your reach, IF you get smart and begin to leverage the available tools and resources to your advantage.
Fortunately, you’ve just discovered what amounts to “hidden treasure”. You can now take full advantage of our amazing collection of free tools and resources.
Our readers enjoy the benefit of having full and immediate access to dozens of informative and highly useful debt free living tools.
We’ve already done the research; we’ve invested the time to scour the Internet for the Best of the Best free debt free living related tools, so you can get on with the important business of conquering your debt and identifying ways to earn more income.
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Personal Financial Statement
This free Personal Financial Statement form allows you accurately assess your present financial condition and also to keep track of your most important financial information - all on a single page document.
Getting Started – Managing Money:
There's A Lot To Learn About Money
You can take charge of your financial future and be on your way to debt free living. No matter who you are make informed decisions about how you handle your money. Provided by the Federal Reserve System.
Building Wealth
A beginners guide to securing your financial future. Budget to save; save and invest; control debt and build wealth. Debt free living is yours. Provided by the Federal Reserve Bank of Dallas.
Take Control Of Your Finances
A special guide for young adults seeking debt free living. A “to do” list and key strategies for your financial life. Provided by the Federal Deposit Insurance Company (FDIC).
Career Advancement:
Apprenticeships!
Career training, credentials, and a paycheck in your pocket. The 25 most popular occupations that you can apprentice. Officially recognized by the U.S. Dept. of Labor, Bureau of Apprenticeship and Training.
Getting Back To Work: Returning to the Labor Force
Get ready for re-entry. Get set for the workforce but be prepared to take the lead. Strategies for job seekers who either have too much or too little experience. Courtesy of Occupational Outlook Quarterly
Interviewing For Employment
Seizing the opportunity and the job. It’s showtime! Make your last word a great one. So many companies, so little time. Courtesy of Occupational Outlook Quarterly
High Earning Workers Who Don't Have A Bachelors Degree
Many workers who do not possess a college education, earn more than the average college graduate. But earnings are only one measure of what makes a good occupation. High wage earners develop certain skills.
Increasing Your Income:
» Change Your Financial Future! Check out our new audiobook - 10 Days to New Income.
Manage & Saving Money:
Savings Fitness
A guide to your money and financial future. Get fit financially in order to enjoy debt free living. Created by the U.S. Department of Labor.
66 Ways To Save Money
From utilities to housing to savings and investments, these ideas will save you money in support of your goal to experience debt free living. Created by the Consumer Literacy Consortium.
Save When Buying A New Car
A new car is second only to your home as the most expensive purchase you make. Don’t let a car get in the way of debt free living. Provided by the Federal Trade Commission.
Financial Readiness In Times Of Crisis
Know how to handle your finances in the wake of an emergency or weather disaster. Provided by the Federal Trade Commission.
Your Home Inventory
Use this tool to take a complete inventory of your home. This is sure to save you greatly in the event of a fire or weather disaster. Be prepared and keep this inventory in a safe place away from your home. Provided by the Insurance Information Institute.
Retirement & Money:
Fiscal Fitness For Older Americans
Stretching your savings and shaping up your financial strategies to ensure debt free living in your later years. Created by the FDIC.
Money Matters In Retirement (Large file – may take several minutes to download.) Your guide for financial security. Provided by AARP
Students/Teens & Money:
Start Smart: Money Management for Teens
How to save, spend and protect your cash. Debt free living is very realistic when teens start out with good money habits. Provided by the Federal Deposit Insurance Company (FDIC).
Bankruptcy:
Personal Bankruptcy: Facts You Must KNow
What you must know before you file for personal bankruptcy. Information about credit counseling and debtor education. Created by the FTC, in partnership with the Dept. of Justice.
Credit:
Credit Matters
Qualifying for credit, establishing a good credit history and how to maintain your credit. Created by American Express, in partnership with the Consumer Information Center, assisted by the FTC.
Fair Debt Collection
Who is a debt collector? How may they contact you? What are your rights under the law? What type of contact is prohibited? Provided by the Federal Trade Commission.
Putting Your Home On The Line Is Risky Business
Understand your credit options before you sign loan documents secured by your home. Do your homework and think twice before you sign. Provided by the Dept. of Housing and Urban Development.
Your Credit Rights
Know your rights under the Fair Credit Reporting Act; Equal Credit Opportunity Act; Fair Credit Billing Act and the Fair Debt Collection Practices Act. Provided by the Federal Reserve Board of San Fransisco.
Creditcards:
Credit & Charge Cards
What consumers should know about the cost and terms of credit. Provided by the Federal Reserve Board of San Fransisco.
Credit Report & FICO Score:
Building A Better Credit Report
Explains your rights, tells how to legally improve your credit, offers tips on dealing with debt, cautions about credit-related scams and how to avoid them, plus provides other resources. Provided by the Federal Trade Commission.
Your Credit Report
What your credit report says about you. What type of information is provided on your report, and where do the major three credit reporting agencies get their information? Provided by the Federal Reserve Bank.
Want A Free Annual Credit Report?
Discover the only OFFICAL website that is recommended by the FTC for getting your free annual credit report. Provided by the Federal Trade Commission.
Credit Repair: Self-Help May Be Best
The warning signs; the scam; the truth. Empower yourself through education. Know your rights under the Credit Repair Organizations Act. Provided by the Federal Trade Commission.
Why Healthy Credit Is Important
Have you ever wondered about credit reports, credit scores, and how to protect your personal information? Provided by the AARP
Your Credit Scores
Learn the five parts that make up your FICO credit score. Know your score and understand what is a good score. Provided by the Consumer Federation of American and the Fair Isaac Corporation.
Debt Management:
Choosing A Debt Counselor
Questions to ask a prospective debt management counselor. Determine if a DMP is right for you. Is this what you need to obtain debt free living? Provided by the Federal Trade Commission.
Knee Deep In Debt? What To Do Now
Damage control is important the minute you realize you have a debt problem. Learn about budgeting; contacting creditors; dealing with debt collectors; credit counseling and debt management planning. Provided by the Federal Trade Commission.
A Must-Do List For People On A Debt Management Plan
Know the questions to ask a potential debt management counselor and understand the qualification they should have. Discuss fees upfront and get it in writing. What to do if your DMP organization goes out of business? You may decide you can do this yourself. Provided by the Federal Trade Commission.
I.D. Theft & Scams:
Identity Theft
How identify theft can impact your life. How do you protect yourself? What to do if you are victim. Organization that can help you work through this ordeal. Provided by the Federal Reserve Bank Of Boston.
Take Charge! Fighting Back Against ID Theft
Deter, detect and defend yourself. Learn how to avoid ID Theft. See how thieves obtain your personal information. Provided by the Federal Trade Commission.
ID Theft And Your Social Security Number
Don’t make it easy for someone to steal your SSN. What to do if your SSM is compromised and how to obtain a new one. Provided by the Social Security Administration.
Preventing ID Theft
A special guide for consumers. Few crimes have made more people more anxious that the recent onslaught of I.D. Theft. Provided by the National Crime Prevention Counsel.
ID Theft: What's It All About?
How can you tell if you’ve become a recent victim of I.D. Theft? What to do, who to call and how to prevent. Provided by the Bureau Of Consumer Protection in partnership with the FTC.
Frauds & Scams
Protect yourself and your money to ensure debt free living. Avoid fraud on the phone, or at your door, or through your mailbox. Provided by the Federal Reserve Bank.
Online Business Scams
Many online business opportunities are scams that cannot possibly deliver what they promise the consumer. Proceed with extreme caution. Provided by the Federal Trade Commission.
Plastic Fraud
Protect your debt free living goals. Get a handle on credit and debt cards. Learn how to protect your cards from being stolen and know how to detect fraudulent cards. Provided by the Federal Reserve Bank of San Fransisco.
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Thanks for visiting! We wish you all the best in your journey to achieve debt free living.
Reasons why you should make the decision today to get out of debt:
Debt is NOT your friend. It's not a wonderful "tool" for building wealth. That's a myth.
The Debtor is a slave to the lender. Real "freedom" is when YOU are in control of your money, and when your money is working for you.
If all your income goes to making payments, you have no personal freedom to follow your dreams.
When you eliminate your payments and use that money to save, you quickly begin building wealth.
YOU CAN GET OUT OF DEBT... and start winning again.
We show you how...
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Debt is NOT your friend. It's not a wonderful "tool" for building wealth. That's a myth.
