12 steps to getting out of debt,internet dating sites free,how should i lose weight quiz - 2016 Feature

admin | inner peace quotes | 11.12.2015
I’m Todd, and I created Financial Mentor to give you a step-by-step blueprint for building wealth that actually works.
In this article, I explain the deceptive nature of debt problems, the simple rules to keep you out of trouble, and the best way to solve any debt or credit problems you already have – for good. You look for financial solutions, but they don’t exist because you’re looking in the wrong place.
Everybody knows the cure for debt and credit problems is to make more money or reduce spending.
Getting it done is the surprisingly difficult part because the solution looks financial when it’s actually personal. As a money coach, I used to accept get-out-of-debt clients, and it was a fascinating journey.
Money problems were merely reflecting those habitudes financially, and other aspects of the client’s life (poor relationships, health, unhappiness) were reflecting the same habitudes. Misplaced Priorities: They chose consumption and current lifestyle over investments and freedom.
Emotional Spending: They buy for ego and emotional satisfaction instead of utilitarian value. What’s amazing (and obvious in hindsight) is you can flip every one of these characteristics upside down and you have a short list of habitudes that produce wealth. In other words, my wealthy coaching clients had one set of habitudes, and my debt clients had the mirror opposite. Now that we understand the root cause of debt and credit problems (your habits and attitudes), let’s look at some simple rules for habits and attitudes that cut through all the information clutter so you can avoid debt problems. Let’s start by looking at two acceptable forms of debt: financing large capital purchases and income property acquisitions. For example, a perfectly viable wealth strategy using debt financing (a mortgage in this case) is to purchase a rental property that produces more income than expenses (positive cash flow). Similarly, it can be a very smart wealth building strategy to leverage a business using debt. These are both intuitively obvious examples of “good debt” because they put more money in your pocket than they take out, and you’re growing a valuable asset. The analysis gets confused when large non-consumption capital expenditures are purchased where no income is produced. These two situations (large capital expenditures not consumed and income producing property) are the two situations where debt can make good business sense.
The rule is simple when spending on lifestyle: if you don’t have enough money in the bank, you can’t afford it.
Your objective is to be a credit card “deadbeat” by paying off your balance every month so you incur zero fees for the privilege of using the card.
Another advantage to credit cards are the various incentive programs that give free airline tickets, trips, hotels, and even cash back. Again, the rule is simple: only use these cards for spending you would already be doing anyway.
You should never spend a dime more than you would if no credit was available and you should never carry a balance or incur monthly fees. I don’t promote credit cards on this site because my focus is building wealth, but if readers are interested in finding the best credit card promotions, offers, and deals, I encourage you to look over these links from a couple of friends in the financial blogosphere who “eat their own cooking”. Ben Edwards over at MoneySmartLife likes the American Express Blue Cash card for his personal use.
Finally, always look at the fees charged so you can determine if the incentive program will give you more benefit than the costs of owning the card. Debt should only be used to finance income producing property or large, non-consumption, asset purchases. Credit cards should only be used as a transaction convenience and never to extend purchasing power. If you’re in debt bondage then your starting point to freedom is to create a positive spread between how much money comes in and how much goes out. The way you start this process is by fully owning responsibility for your financial problems and developing a plan for solving them. Seriously, I know this sounds obvious when written, but that’s literally all there is to it.
If your existing lender won’t work with you, then look into balance transfers and consolidate all your loans onto the lowest interest credit card. Once credit is inaccessible and you’ve done everything possible to reduce the bleeding, the next step is to track your spending.
Do you spend for personal collections (curios, music, etc.) that you enjoy but aren’t necessary?
How much goes to recurring expenses (rent, car payment, utilities, etc.) that can be reduced or eliminated? Do you spend on expedient solutions that are little more than a convenience such as going out to dinner or expensive coffee instead of cooking at home (see our Latte Factor calculator for the true cost of these expenses)? When you track your spending, it raises your awareness about where your money goes and what your patterns are. Now that you’re living within your means and tracking your spending, you should notice how every dollar you spend either takes you toward your goals or away from your goals. You decide how to prioritize certain goals – like financial freedom over current lifestyle.
The amount you save each month will determine how fast you can get out of debt so it’s critically important. Your objective in this step is to literally build a box around yourself that doesn’t allow room so that you enforce your new spending patterns until they become habit.
Enroll a parent, spouse, coach, or friend as an accountability partner so you have someone to report your results to. You could even email them monthly on your results, blog about it, or report it on Facebook.
Accountability is a magical, powerful force for shaping human behavior so use it to your advantage. In fact, it can be positively addicting because you’re moving toward your financial goals – finally! Now that you’ve reduced spending as far as possible, the next strategy to get out of debt is to look at all the ways you can increase income. There are fundamentally two approaches to increasing income: short-term quick fixes and long-term permanent solutions. The short-term quick fix is to increase the hours you work either through overtime, freelancing, or something similar. That’s why you also want to look into ways that permanently increase your income without having to work 24-7.
This involves launching some type of business that begins as a sideline but can transition to full-time, or it involves gaining new job skills or certifications to increase salary in your current occupation (or possibly changing occupations).
Debt results from a pattern of behavior (habitudes), so examine all patterns causing the problem and break them. Consider selling anything you don’t regularly use and apply the proceeds to your debt – fur coats, jewelry, a boat, motorhome, extra car. Increase the spread between income and outflow by adding overtime or freelance work to provide a short-term income boost. While this sounds simple on the surface (because it is), I also want to acknowledge how difficult many people find these action steps to implement even though they intellectually understand the process. There’s no simple solution to personal issues like discipline, determination, and prioritization. I encourage you to seek out support systems and apply all accountability tools at your disposal.
You wield the power to get yourself in debt; therefore, you also have the power to get back out of debt. Once you create a positive spread between income and expenses, the next step is applying the right debt payoff strategy to become debt free in the fastest way possible. Debt Snowball: Order the debts from smallest balance at the top to largest balance at the bottom. Accelerated Debt Payoff: The other alternative is to order your debts with highest interest rate at the top and lowest on the bottom. Next, enter the amount of income left over each month that can be applied toward paying down debts in the box at the bottom of the snowball calculator.
What this calculator will do for you is apply the minimum monthly payment on all debts except the top listed debt. Notice how the size of this additional payment determines how long it will take you to get out of debt. It might motivate you to go back to the previous section and figure out how to increase your monthly savings so you get out of debt faster. After the first debt is paid off, dedicate 100% of the money that went to that debt to the next one on the list.
Use debt only to purchase assets that increase in value or produce more income than expenses. Credit cards should only be used for transaction convenience and should be paid in full each month.
These three simple rules will keep debt and credit problems from occurring regardless of life circumstances. Credit is an expedient, short-term solution to life’s difficulties, but it’s usually not the lowest cost or best solution in the long-term. Once you have a problem, the only way out is decisive action to solve the problem; it won’t solve itself. The time you commit to taking action until the day you’re debt free will likely be many months or possibly years, so plan accordingly. Next, take the amount saved each month and dedicate it toward paying down debt using either the debt snowball or the accelerated debt payoff method.

The key point is to realize that debt and credit issues are a personal problem masquerading as a financial problem. Always remember the financial strategies for getting out of debt are simple to understand and implement. The conventional approach used by experts to figure how much money you need to retire is fundamentally flawed. This book takes you behind the scientific facade of modern retirement planning to reveal simple, robust solutions that will help you retire sooner and with greater financial security.
We can get into debt for any number of reasons -- unemployment, emergencies, those new red heels-- but there's absolutely no reason not to get out of it.
Make a list of all your monthly expenses, setting aside some discretionary spending money for the emergency cab ride or unexpected birthday dinner.
Start with the highest-rate interest, and pay that off first, then attack the lower-rate cards. Pay off credit cards with the highest interest rates first and work down to the lower-interest ones.
Keep a list or spreadsheet of your spending and ATM withdrawals to make sure that you are sticking with your budget. Start living the life you can afford -- because you've been living another one if you're in debt. Why go it alone when there are services designed to get people out of debt as quickly and effectively as possible? While it is your duty to attend jury duty, there are some secrets to "getting out" of it if it does not fit into your life at the moment. Prove economic hardship.[2] In many states, you can prove that you can't serve on a jury for financial reasons.
Exemptions based on financial need are extremely rare, even if you're facing serious challenges. Use your student status as an excuse.[3] Many states excuse full-time students from jury duty. The call center can authorize this even if you have gone beyond the 1 year postponement limit. When you return to reschedule your jury service, they will hand you piece of paper certifying you have completed it. If they catch you lying about your circumstances, though, you could face a possible 20 days in jail. Similarly, doctors are almost always excused from malpractice cases, bankers from embezzlement cases, etc. Always follow the law when dealing with the judicial system, but cop a serious attitude at the same time. Members of volunteer organizations (fire and EMS, especially) are sometimes excused from jury duty.
In New Jersey, they present you with a list of excuses on the back of the jury questionnaire.
If you don’t want to be a poor sport, consider sitting on a jury as an educational and learning experience. Meet Adelaide, a wikiHowian who has been a community member for over three years and has started 186 articles. December 16, 2014 Did you know you can get a free mini planner and the Simplify Your Life Once and For All ecourse when you subscribe to the weekly newsletter? Organizing your holiday decoration will make it much easier in years to come to find what you need and get it all set up quickly.
These labels, combined with the wonderful $8 ornament storage containers from Aldi’s, have completely inspired me! It can take some work to get out of a funk, but it is so worth it when you begin to see things shift and start to feel better. In instances when there's a big, wet spill to clean up, pat the grease off with a paper towel before covering it with powder.
Whatever soap you use should be colorless, just in case your fabric would be susceptible to a dye. Read your garment's care instructions if you need to double check that hot water won't cause it to fray or shrink. If you're concerned about completely submerging your clothing in hot water, try submerging only the spot with the grease stain.
If the stain seems to be gone, you may hang your article of clothing to dry, or place it in the dryer. Dab a microfiber cloth (the type you use to clean sunglasses) or another lint-free cloth into white vinegar. More than 15,000 people have already used this blueprint to jumpstart their financial freedom. We want to believe there’s a missing “secret” or “insider tip” that will solve our problems, so we continue to search for more information.
With few exceptions, the client’s financial problems were a mirror reflection of the underlying habitudes (habits and attitudes) governing all of their behavior.
Their decision to consume reflected the underlying belief happiness was connected to more-better-different stuff. Why shouldn’t they have designer clothes, a big screen TV, and a nice car… everyone else does. There’s no budget, no system for growing assets, no tracking of numbers, no plan for leverage, and no strategy for increasing earnings. The cause of your financial problems is not financial (with the sole exception of unusual circumstances such as medical, catastrophe, etc.).
The income produced by what you purchase with the debt needs to exceeds the cost of the debt. It’s a capital item that produces a utilitarian good (a place to live) without being used up (assuming you maintain it). Those are the rules that will keep you out of trouble (if you follow them) – 3 simple rules that convert the complex world of debt and credit into straightforward, actionable guidelines. Eliminating fees and reducing interest on current debt can go a long way toward helping you ultimately pay off the debt. You’re tracking where the money is going to raise your awareness of your spending habits. Look at every aspect of your spending to figure out what’s truly necessary and what isn’t.
You want to align every dollar spent with your goals so all spending moves you toward what you want most.
The goal in this step is to get your spending down to your true “baseline” required spending so you can move away from lifestyle and toward financial security. Don’t assume any item is sacred no matter how entrenched, and at the same time, don’t overlook any item no matter how inconsequential. Instead, think in terms of the peace-of-mind, freedom, and security you’re heading toward.
This can be helpful to provide an immediate injection of cash, but can lead to burnout over the long-term. This might involve changing friends or spending less time with the spendthrifts in your social circle. Craigslist, Ebay, and garage sales can convert an amazing amount of stuff into serious cash which can make a dent in your debt. Enter all the information in this debt payoff calculator to help manage the process and estimate how long it will take you to get out of debt.
Mathematically, this is the better way as it results in the fastest, lowest cost payoff because it targets the highest interest rate debt first.
Grab this number from the 5 step exercise above where you figured out how to spend less than you earn. That one gets the additional money from the step above to help pay it off as fast as possible. You repeat this process, creating a snowball that concentrates an increasing amount of your total monthly payment to fewer and fewer debts until they’re all paid off – in full. You might become unemployed, suffer a salary reduction, go through a divorce, have high medical bills, or simply lack good money management skills. Debt used this way leverages your balance sheet which can be a valuable wealth building strategy, but it can also increase your risk, so be careful. If you don’t have the money in the bank to pay for lifestyle expenses, then you can’t afford it.
This involves tracking all expenses and aligning your spending with your values so no money is wasted.
This can include both short-term strategies such as overtime and long term strategies like adding career skills or starting a business. The personal obstacles that stand between you and debt freedom are far more complex and difficult to overcome.
That’s why slaying the debt dragon is the greatest path of personal growth for anyone who has the problem.
Put an end to the guilt, stress, unpleasant phone calls and red-stamped letters by devoting the next 12 months to getting out of debt.
We all work hard – but if you are not making ends meet, consider additional sources of income. This will keep you out of getting into more debt because you'll be spending only the money you have. Explain that the best gift they could give you is help toward achieving your goal of debt freedom. Only try this excuse if you honestly believe that you would not be able to get by if you had to miss work.
If you can get a change of date, ask for December, when there's a far greater chance that trials will be delayed or moved.

There are specific things you can say during jury questioning to try to get rejected in a criminal case. If he can't even look me in the eye and tell me he didn't do it, that looks pretty guilty to me. A more respectable alternative to the above "play stupid" tactics is to "play smart." Many attorneys want jurors they can persuade one way or the other. This right is called "jury nullification." In short, it allows a jury to return a verdict of "innocent" when the accused is clearly guilty. Was her refusal to move to the back of the bus when the bus driver told her to give up her seat to a white passenger punishable?
Mention the old saying that “A good prosecutor could get a grand jury to indict a ham sandwich.” Point out you disapprove of grand juries because they are basically a rubber stamp for the prosecutor.
The worst part about jury duty is waiting to be selected and going through the process of voir dire.. Failure to attend jury duty would or can result in fines, suspension of a driver’s license, or in some cases, criminal charges (i.e.
She enjoys being a Welcomer, New Article Booster, and Admin, and she helps a lot of people through the Help Team. It will be hard to remember what is inside each box a year from now, so labeling will help a lot. It can be hard to remember what you have or what you need, and you don’t want to have to rummage through a bunch of bins to find what you have.
I’ve pared down my decorating over the years but have way too much that I pack up every year. I have been an organizing, purging, labeling fool for 2 days (but my husband is a bit miffed that everything is being put away so early; he loves Christmas!). For Day 11, you need to click the image to go to Hoosier Homemade blog and download the printables from there.
I believe organizing systems should be beautiful, practical, and functional, and I'm here to help you with that. Perhaps your bike chain left a grease mark on your pants, or you accidentally spilled a bottle of baby oil near a pile of your toddler's laundry.
You can use baby powder, talcum powder, baking powder or cornstarch - whatever you have on hand. If the grease stain is just on a sleeve or one corner of the garment, weigh that part down with a stone or another heavy waterproof item to keep it underwater. Give it another soap treatment by rubbing dish soap into the stained spot, soaking it in hot or warm water for another 20 minutes, and rinsing your garment in room temperature water. Grease stains on silk look like they'll never come off, but the baby powder and dish detergent trick works in most cases. These materials retain grease easily, and they are more prone to damage from home solutions than other fabrics.
If that’s you, then below is an equally simple, step-by-step guide on the best way to get out of debt and start building habitudes that will take you to wealth. You’ve already demonstrated a spending control issue, so you must eliminate access to the vehicle allowing you to spend excessively – easy credit. In fact, every day you’re making literally 100s of these decisions that will make or break your financial future.
Look at the big ticket items like housing and transportation first to make the biggest impact fast. When you focus on where you are headed (peace of mind, security, and fulfillment) the reduced spending never feels like a sacrifice.
It may not be fun, but moving in with friends or family, or living in a motorhome for a period of time, can make a huge difference in your budget. Sure, it’s a short-term solution to a long-term problem, but it can also give you a jump-start while simultaneously simplifying your life. The small debts get eliminated quickly, giving you immediate positive feedback and reinforcing discipline. The problem occurs if you have a large debt that has high interest because it can feel like it takes forever to make any progress. The key is to decide what will work best for you so you stick with the process long enough to succeed.
It may also require cutting up credit cards or freezing them so you eliminate easy access to credit. Ditch fancy coffee and learn to love the poor-gal's mocha—instant hot chocolate and coffee mixed together. If your name appears on the list, they send an automated notice of jury duty to your registered address. The lawyers have likely already made the jury lists for closer dates, so there's a chance they won't be able to seat you.
The voir dire is when the lawyers assess potential jurors for a specific trial.[4] During that process, the judge will ask if anyone has any significant reason not to serve on a trial. Remember that it is illegal and, for many people, immoral to make these claims if you don't really believe them. Voice support for the Commission to Reform the Federal Grand Jury position to reform the process.
Tell the judge you'll make a great juror, as you can spot guilty people just by looking at them. Although this is based on personal observation, it seems like the people who register online are more likely to be chosen over the people who call in to register by phone. Ask your captain to write a letter stating that you are an active member and have been so for XXX amount of time. You improve your chances if you have a letter from your employer stating that your time will not be paid if you attend jury duty. I’ve created a holiday decor inventory sheet that you can fill out as you label your containers. The same simple techniques work to get all types of grease out of clothes, and all you need are a few basic household supplies.
Completely submerge your garment in the water, making especially sure that the grease-stained part is underwater. Examine the area that was stained; if you can still see the grease spot, proceed to the next step.
Instead of trying stronger chemicals and risking harming your fabric, let someone with the right training, tools and equipment remove the stain for you. It’s not negotiable because debt is paid off from the income left after expenses are paid. This costs you a little more in interest than the alternative below, but many consider it worth the price because the emotional satisfaction results in a higher probability of sticking with the process long enough to succeed. Courts determine jury duty through random selection, so there's nothing you can do to avoid a summons.
If you can persuade the judge that you can't miss work, you'll have lost only one day of your time.
When you receive it, mark on the jury form that you need special accommodations and cannot make the requested attendance date, and include your explanation. Most excuses will not be accepted, but some, such as medical excuses, will get you dismissed. Although the Supreme court has affirmed this right, prosecutors and judges usually hate it.
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For example, you might say that you are quite sick, going out of town, studying for the bar, or planning on joining the military.
I don't think I could convict someone of a crime unless there is no doubt whatsoever that he did it. Any prosecutor will almost certainly reject you for the jury if you suggest there's a chance you would use your right to veto.
When it comes to the wikiHow community, Adelaide loves the collaborative spirit and says it’s nice to see so many like-minded editors sharing advice and helping the content grow. Also, if you (like me) don’t have a lot storage space for your holiday decor, consider decorating less so you can get rid of more. I think using the same labels on each bin can help unify the look if you’re using mis matched bins. Personally, I don’t even decorate every year, but when I do, I stick with just one tree in our main living area. Even if you love to deck out your entire house, you may still have some items that you don’t need anymore and can get rid of. I love all the cool Christmas decor organizing containers, but sometimes I think you could easily spend more money on those than on the decoration itself!
Because in addition to my former job and now instead of it, I blog, I spend a lot of time online to begin with. As does promoting the blog and connecting with my readers through various social media outlets.
It's served as a survival mechanism as a child growing up in an abusive home, but, since becoming aware of it over the past couple of years, I've noticed it's developed into something maladaptive. The extremes of thinking I either had to just stay home in my pjs all day everyday and deal with the isolation and boredom vs. You'll know that people who care about you reaching your goal are watching, and you may be more likely to push yourself to meet your goal as a result.
There are plenty of people who wake up every morning and don't feel like following through on something, but they do.

How to go with the flow

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