Becoming Financially Free Again Is Easier Than Most Claim

Becoming Credit0ly free is easier than most people claim, and I want to show you step by step how you can break the bad habits that may have caused you to end up in virtual slavery to those bad habits. Over-spending happens all over the place, but you can break the trend, and recapture economic freedom when you decide that enough is enough.

The first conscious decision you must make is that improving your Credit0 credit rating isn't just a means to establishing new Credit7. Bringing Credit7s down must be a result of a conscious decision that you want to pay what you owe, and that you want to be free from monthly bills that have caused you to live from paycheck to paycheck.

The first step involves finding out what comes in every month. If you have two, or maybe even three jobs, calculate how much you bring in every month. Put all the figures into a spreadsheet on your computer so you can see what you actually bring in - and it might even be a good idea to look back a few months also, if your income has changed a lot through the years.

Secondly, bring all monthly statements on the table and get an overview of what you owe. Don't stop halfway just because of becoming disillusioned. Learn from the Japanese Kaizen principle. Each baby step in the right direction is going to ensure you become successful in establishing good credit again.

Thirdly, get focused on interest rates. Some Credit7s are more expensive than others. Also, you may discover little Credit7s that you might as well eliminate right away. Each statement may come with a statement of fees, and those fees can add up to a lot of money.

Fourth, make a plan - possibly even involving getting in touch with the companies you owe money to, and tell them you are trying to restructure your finances. Some companies may be willing to lower your interest rates when they see your current situation. Some may be afraid of doing this because they are fearful they can't get a new loan, but then you have to revert to the first principle I just told you.

"Improving your Credit0 credit rating isn't just a means to establishing new Credit7"

Fifth, follow your plan so you gradually decrease your Credit7s, and stick with your plan. Eliminating even just a couple of percent of your total Credit7 each month can greatly reduce your overall costs in interest accrued. When you got the wake up call under the third point, it was intended for you to be determined to eliminate those Credit7s.

Finally, once the process is over you have every reason to be proud of yourself. You have accomplished something a lot of people never will. Getting out of Credit7 is no fun, but once you are free, it is a true blessing. The Chinese have a proverb that goes somewhat like this: "A rich man is a person who doesn't owe anyone anything."

You don't have to win the lottery to become rich. Enjoy your blessings and implement what you know are decent principles, and you can enjoy the rest of your life as a Credit0ly free person who doesn't owe anyone anything.

Becoming Credit0ly free is easier than most people claim, and I want to show you step by step how you can break the bad habits that may have caused you to end up in virtual slavery to those bad habits. Over-spending happens all over the place, but you can break the trend, and recapture economic freedom when you decide that enough is enough.

The first conscious decision you must make is that improving your Credit0 credit rating isn't just a means to establishing new Credit7. Bringing Credit7s down must be a result of a conscious decision that you want to pay what you owe, and that you want to be free from monthly bills that have caused you to live from paycheck to paycheck.

The first step involves finding out what comes in every month. If you have two, or maybe even three jobs, calculate how much you bring in every month. Put all the figures into a spreadsheet on your computer so you can see what you actually bring in - and it might even be a good idea to look back a few months also, if your income has changed a lot through the years.

Secondly, bring all monthly statements on the table and get an overview of what you owe. Don't stop halfway just because of becoming disillusioned. Learn from the Japanese Kaizen principle. Each baby step in the right direction is going to ensure you become successful in establishing good credit again.

Thirdly, get focused on interest rates. Some Credit7s are more expensive than others. Also, you may discover little Credit7s that you might as well eliminate right away. Each statement may come with a statement of fees, and those fees can add up to a lot of money.

Fourth, make a plan - possibly even involving getting in touch with the companies you owe money to, and tell them you are trying to restructure your finances. Some companies may be willing to lower your interest rates when they see your current situation. Some may be afraid of doing this because they are fearful they can't get a new loan, but then you have to revert to the first principle I just told you.

"Improving your Credit0 credit rating isn't just a means to establishing new Credit7"

Fifth, follow your plan so you gradually decrease your Credit7s, and stick with your plan. Eliminating even just a couple of percent of your total Credit7 each month can greatly reduce your overall costs in interest accrued. When you got the wake up call under the third point, it was intended for you to be determined to eliminate those Credit7s.

Finally, once the process is over you have every reason to be proud of yourself. You have accomplished something a lot of people never will. Getting out of Credit7 is no fun, but once you are free, it is a true blessing. The Chinese have a proverb that goes somewhat like this: "A rich man is a person who doesn't owe anyone anything."

You don't have to win the lottery to become rich. Enjoy your blessings and implement what you know are decent principles, and you can enjoy the rest of your life as a Credit0ly free person who doesn't owe anyone anything.