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If the Economy’s so Strong - Then Why Am I Still Broke

7 Ways You Can Be Debt Free In One Year

The US economy has rebounded since 9/11 and is stronger than ever. Joblessness is sitting around 3% nationally and has been for some time. In fact, according to a recent LA Times article the economy is growing by 3.4% overall – even with the national housing slump. So why are so many American’s over their heads in debt?

You can always blame advertisers that tell you that you’ve just GOT to have the “latest and greatest” TV, car, surfboard, computer, paintball gun, bicycle, etc., etc., etc. . Or you can blame creditors for making it so darn easy to get credit that you just can’t help yourself! . . Not to be sarcastic, but the majority of American’s have little or no impulse control and with credit available at our fingertips it’s no wonder so many of us are drowning in debt!

I have been observing the questions asked in the Yahoo Answers column recently, and I’ve noticed that young people are asking a lot of questions about debt. Some on how to get out of major credit card debt ($30,000+) and others on how they can get their first credit card and start this same cycle. It’s frightening yet the bankers are lined up to help!

The purpose of this article is to help you avoid the trap of debt. I am a Civil War buff and as such read the heartache that was slavery. Credit card debt leads to a similar type of slavery. Being in debt limits your life choices just like slavery.

· Want to change jobs? You can’t afford any down time between jobs, or to make a little less money working in a more fulfilling job.

· Thinking of going back to school? You need to keep working full time to pay off your bills!

· Want to buy a home? You might qualify for one, but not as nice a one as you’d like because of the higher interest rate.

· And the list of limitations goes on and on and on when you are in debt.

Getting out of debt is a slow, steady, one-day-at-a-time process; there’s no magic pill and no quick fix. But you CAN do it! And you’ll be surprised at how much better life is without those monthly bills hanging over your head. Here are some steps to help you get out of debt, and stay out of debt:

1. Make a budget so you can see exactly what you owe each month and areas where you might be able to save some money (for instance, downgrading your cable bill?). Make yourself a budget worksheet, they are simple to do, then stick to it.

2. Live below your means. If you make $500 per week don’t spend $600. You can never be debt free doing this.

· Each paycheck put something into your savings account, even if it’s just $10. This gets you into the habit of putting money away instead of spending it just because you have it.

3. Consider credit counseling. If you are in debt over $10,000 and the interest rates are killing you, consider a credit counseling service. They will negotiate your interest rates down to a reasonable level and get you on a repayment plan that fits your budget.

4. Decide how you are going to spend your money on everything. Know how much money you are bringing in and where it goes.

· Pay your bills on time, every time. Managing your monthly bills is essential to stay debt free – and to have a good credit rating.

· If you like to eat lunch out then figure out how much you spend and every Monday take that much out of your account and budget it all week. If you run out of cash on Thursday then take a sandwich on Friday!

· If you like to see those summer blockbusters then calculate how much a movie and popcorn cost, then budget for it by putting it in your savings account. On movie night, take only the cash you’ve allowed (for instance $25 for movie and popcorn) and NO MORE. This way you won’t overspend.

· If you love those latest fashions then figure out how much you want to spend on new clothes. When you go shopping take cash and spend ONLY the cash.

5. Set short and long-term financial goals. Having goals makes it easier to make the necessary spending cuts to get what you really want – and it will keep you from being pressured to spend money you don’t have.

· If you want to take that big vacation next summer, figure out how many months until you travel and divide the cost involved into monthly chunks. Every month put that little piece into your savings account for the trip. This way when you go on vacation you won’t be using credit cards and you won’t come back in debt!

· Want a new vehicle but don’t have a down payment? Figure out how much you can afford in payments and then put that “payment” in your savings account towards a down payment for 6 months. This way you’ll have a down payment and the payments won’t be hard for you because you’re already budgeting for them!

6. Use credit only as a tool and with a plan. Plan to pay your credit cards off completely within a minimum of 3 months (if you can’t do this then again, consider a credit counseling service).

· Debts do not improve with age! Don’t buy into the advertising ploy that you need this or that and cannot be happy without it. If you don’t NEED it, don’t BUY it until you’ve got the cash saved up for it. Store credit runs around 24% to 29% APR. This means you’ll pay up to 1 1/2 times that amount because of the interest rate.

7. Have an adequate emergency savings fund. Life is full of mountains and valleys as well as a few curve balls. This can mean the need to replace a water heater or washing machine or a temporary job loss.

· The basic plan should include three to six months living expenses.

· If this seems impossible (it’s not) then try to save up one weeks paycheck then keep adding to it.

· You will be surprised what will happen when saving becomes a habit and a way-of-life. Try it!

8. Learn how to invest your savings. Take a class, find a referral to a financial advisor or go to the library and start reading up on investment. No matter how you do it, just do it. It’s a lifestyle change from spending to saving.

· One great way to save money is through a 401(k) plan. Especially if they offer matching funds. This is just free money to you! The money comes directly out of your paycheck before taxes, and because it’s taken out of your paycheck automatically, after the first couple contributions you’re mentally budgeting for the lower amount and don’t even feel the pinch. PLUS you can’t make excuses for why you can’t save this month, because it’s automatically taken out!

These are just a few ways you can get out of debt and stay out of debt. Use a budget worksheet and stick to it! You can do it! While we enjoy providing solutions to people with bad credit, the truth is, we’d much rather help you get out of debt, rebuild your credit and live a debt free life!

About the Author

http://www.1-800BadCredit.com provides up-to-date information for people
with bad credit. Providing auto loans, mortgages and refinance options,
credit cards, credit counseling, personal loans, identity theft
protection and advice & tips on saving, budgeting and getting out of
debt. Founded by Dewey & Leslie Kearney who understand bad credit
because they've been there too!
Site dedicated to helping you find credit solutions

USED - Smart Parts 09 Impulse Paintball Gun / Marker