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Is Independence Overrated?
By David D. Wells

Happy Independence Day from The Money Motivator!

If you don’t celebrate “The 4th of July” like we do in the United States, today still presents you with an awesome opportunity to examine your independence.

Independence means the quality or state of being dependent.
The word dependent means not subject to control by others, according to Merriam-Webster Online Dictionary.

A full 95% of the world will NEVER know what it feels like to have true independence.
True independence involves being free from debt, which is a form of control. I have seen debt destroy far too many relationships, including mine. It was not until I decided to stop the cycle of debt that I was able to begin to enjoy life.

Today can mark your first step in gaining true independence. You must complete one simple action. The first step is simple, yet it can be so powerful that it can set off a firestorm of ideas to end your finance problems.

What is the first step? It is simply to DECIDE to eliminate debt wherever possible. For now do not concern yourself with how this will happen, just make the decision and in due time you will find the solutions.

Today just decide to eliminate debt and then go out and have fun. In later articles I will reveal techniques and strategies to help you blast off on your way to total financial freedom.

I also invite you to send me emails on creative ways that you may have to eliminated debt, so that I may share them with other readers, giving you full credit. My email address is david@themoneymotivator.com.

Visit www.themoneymotivator.com to read my true story on how I began to eliminate debt. It is my hope that my story can inspire you to start to believe that you can change your circumstances in an instant. Also in my story is a technique I used to save money.

To answer the question posed by the title of ths article, is independence overrated? No, it is underrated and that is why so many people are in debt, and therefore dependent on creditors.

Much More Success,

David D. Wells

Often referred to as The Money Motivator, David Wells is passionate about helping you Crack The Wealth Code to become a money magnet. Let him teach you the techniques Hillary Clinton used to turn $1,000 into $100,000 in the course of a year.

For more information visit his website at http://www.themoneymotivator.com and sign up for his free newsletter, Money Moments.

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Fast Track Out of Debt
By Masni Rizal Mansor

You go to the mail box and scan - a couple fliers (nah), your magazine subscription (yes!) and bills (groan). Every month the bills show up and as you sigh and take out your check book you wonder if you will ever be free.

Each month you pay the minimums and although you KNOW you’ve got a handle on it - you are not charging your credit card or accumulating new debts anymore - it seems that you will be paying the minimum fees forever.

Did you know that HOW you pay your debts can affect how soon you will finishing paying them off - even if you keep paying the same amount for debt every month? Of course you might be able to get a consolidation loan, but if you’re not eligible or are not interested then there are several other things you can do.

It’s not always the easiest to figure out the mathematics, but there are three steps to quicker debt relief - guaranteed.

STEP ONE - Create a list.

List your smallest debts first followed by your largest high-interest debts (credit card) and then your largest low-interest debts (Lines of credit and taxes).

Plan to pay the minimums on all debts with these goals in mind:

STEP TWO - Small bills first.

They may not be the highest interest, but every bill that you are paying some interest on means you are usually only paying minimal amounts on the principal. Multiple debts are also a sure way to bring your spirits down. Paying off small debts first is a quick way to start checking them off - and freeing your mind.

STEP THREE - Move the payments along.

When one debt is paid add the funds to the next debt. For example, say you’re making $75 payments to a small debt. When the debt is cleared add the $75 to the next debt on your list. If the next debt had a minimum payment of $100, you will now pay $175 until it is paid off. When that one is finished, take the $175 and add it to the next payment and so on.

STEP FOUR - Save the cash!

Don’t forget that when your debts are cleared you have set yourself up for a better financial future. The best way to take advantage of your new situation is to use all the money you were spending on debts and start investing or saving it every month.

With this strategy your debts will clear faster meaning you will pay less interest, you will see progress as you clear small debts first, and you will not be tempted to use the funds for personal use instead of debt repayment.

It is a worthwhile goal to get out of debt. Seeing that goal come sooner and teaching yourself discipline sets you up for a brighter financial future. You OWE yourself that!

Masni Rizal Mansor is a successful webmaster and publisher of http://www.1st-usa-credit-cards.com. He provides
tips on how to apply credit card
online.

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Green Bay Press-Gazette - Credit card minimum about to be more:

“If you pay just the minimum on your credit card balances, be prepared to write bigger checks soon.
Two of the country�s major credit card companies are poised to raise those minimum payment rates in response to federal guidelines trying to eliminate credit card problems.
Local credit counselors say that while the move will be painful for some, it will help out-of-control spenders in the long run.
�It�s going to affect a lot of people,� said Sandie Miske, president of GAP Financial Services of Green Bay. �It�s forcing people to become more financially responsible.�
That�s a concept many Americans seem to be drifting away from.
On average, Americans carry eight cards with a balance of $8,562, according to The Motley Fool Credit Center.”

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From debt to wealth on $10 a day

From ‘Pay it Down’ by Jean Chatzky: 6 ways to pay down your credit cards and build up savings.
September 27, 2004: 9:56 AM EDT
By Jean Chatzky, MONEY Magazine

NEW YORK (MONEY Magazine) - How would you like to be free of credit card debt? To have a financial cushion to fall back on?

To know you have the skills to save and invest for any goal — and to guarantee your financial future? You can get there on $10 a day. If that sounds like very little — well, it is. But it could be the key to your future.

Let’s say you’re the average American. You have a decent job, but you also have $8,000 in high-rate credit-card debt and no savings to speak of. You may not believe that $10 a day can dig you out of that hole. But it can– and in less time than you think.
Read More

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