Free debt counseling may be available to you. In many cities, small and large, non-profit organizations such as local churches offer some very good assistance. While few things in life are free anymore, there are some very good tools and resources you can utilize to help get out of debt.
"What's money?
A man is a success if he gets up in the morning
and goes to bed at night and in between
does what he wants to do.”
- Bob Dylan |
Finding these resources may take some time, because many services offered from local churches and other non-profits are not advertised in the local paper. But if you go asking around about free services which are available, you may be pleasantly surprised. Now, when it comes down to it, all the free debt counseling in the world won’t amount to a hill of beans, if you haven’t once and for all decided that you are through living your life neck deep in debt payments. Let NOW be the right time for you to change your financial path for the better; be the one to change your family tree, and commit yourself to paying off your debts and living a debt free lifestyle. The bottom line is that debt oppresses you. Debt depletes the quality of your life and it eats up your paycheck as well. So it’s no wonder that you’re looking for free debt counseling. The question is, what can you really do about it? First and foremost, you must accept responsibility for your debts. Although there is quite literally a massive marketing machine, an entire multi-billion dollar industry, that is targeting you for new credit card offers and other debt products – only you can sign on the dotted line, and only you have the power to say “no thank you”. Yes, it’s ridiculously easy to get a credit card, and not enough effort is made to inform people about the risks and responsibilities. But the fact is, no one forced you to apply for those cards and rack up those debts. You mustn’t let anyone tell you that you’re a victim. You’re an adult, and you must take full responsibility for your own actions; make good on what you owe, and then learn from your past mistakes. You see, self-empowerment is a big part of the success process. Once you accept that your debts are the result of YOUR choices, you can take the next step and declare that getting out of debt is also YOUR choice. You’re not at the mercy of the credit card companies and the other people you owe money to. YOU are the master of your fate, and if you choose to get out of debt, you can do it. Some quick free debt counseling tips: Positive thinking is very important. Next, you need to make a list of all your monthly expenses and start identifying those expenses that are fixed and any that are variable. Find ways to be more frugal, to spend money more wisely. Make a budget and stick to it! Use all the money you can to pay off your debts, starting with the smallest and working your way up from there. You must be realistic, too. Short of winning the lottery, there is no easy, fast way to get out of debt. Declaring bankruptcy is always an absolute last resort, and usually creates more problems than it solves. Remember, it took you years to get into debt, so you must expect that it will take some time to get out of debt, too. Becoming debt free is a realistic goal, it can be done, and having the right attitude is important as you begin the process. Okay, there’s your free debt counseling tips for the day. Now go get started!
"If you think nobody cares if you're alive,
try missing a couple of car payments."
- Earl Wilson |
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Debt is NOT your friend. It's not a wonderful "tool" for building wealth. That's a myth.
