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Hello-

Today, I wanted to tell you more about my Debt Cures story. Another title would be, “how I got rid of almost $3000 of credit card debt in the past two months”.

Using tips from Debt Cures and The Total Money Makeover, I have paid off almost $3000 on my credit cards. I have also saved up $1000 for my emergency fund. I have kept the interest rate on one card from doubling. Reading Debt Cures and running this reviews site has made me more aware of things to look for when dealing with credit card companies.

Just a couple months ago, Bank of America mailed me a letter that was going to double my interest rate. I had to respond to to keep my rate from doubling. I was pissed. Here I was, making all my payments on time and this is how they repay me.

I have been a customer with them for almost 8 years and made all my payments on time but they still tried to double my interest rate.

This is why you need to pay attention to your credit card statements. They can try and sneak these changes on your account with very little notice and if you don’t pay attention, they can screw you over again and again.

Ok, so how did I pay off $3000 of credit card debt in 2 months?

I used the debt snowball method which is outlined in Dave Ramsey’s The Total Money Makeover. I am paying the lowest balance card first even though it does not have the highest interest rate. Just the relief of getting one card paid off will lift a big burden off my shoulders.

I stopped charging stuff on my credit cards.

There were several times where I wanted to buy stuff and “slapped my own wrist” because I am trying to get out of debt and it’s hard to do that when you keep charging stuff. My computer was running slow one day and I thought about buying a new one. My brother works for a PC company so he ordered me one and I paid him. After a few days, I had buyer’s remorse. I decided I really didn’t need that new computer and I could make do with the one I have now. So I ended up giving it to my sister and she paid for it. The $500 was then sent to my credit card company instead of for a new PC. I felt much better.

I have also been paying cash or using my debit card for most purchases nowadays.

I have also been working more developing websites which bring in income and have allowed me to pay more to my credit cards.

It takes discipline to get out of debt. If you work hard and smart on it, you can get out of debt rather quickly.

Debt Cures and The Total Money Makeover have helped me be more aware of my finances and helped me get on the debt free path.

Thanks and have a great day!

You can send in comments about how you are getting out of debt to help inspire others to do the same.

-Adam

Debt Cures Reviews

Click here for a Free Debt Consolidation Quote

Recommended Resources:

Elminate Debt
Looking to get out of debt without the scams? Click here to learn how to completely eliminate your debt in 5-7 years. Eliminate Debt

Reduce your debt by 50%
Find out how easy it is to reduce your debt by 50%. Click for fast online debt relief. Click here for more info

Making Money Online for Newbies
Want a way to make money online, even if you're BRAND NEW to Internet marketing? Here's an easy, 100% legal and proven way to make money fairly quickly. Click here

ads by Debt Cures

Hello-

Kevin Trudeau really does want you to get out of debt. That’s why he wrote the book Debt Cures. He wants to help you pay off your bills and live a better life.

I don’t like having a mountain of credit card debt to worry about every month as I’m sure you don’t either. There are steps you need to take to get out of debt.

Let me start by telling you a story. This story is about you. When you were younger and less financial savvy, you spent like crazy and charged just about everything. You would charge a soda and a bag of chips to your credit card telling yourself you would pay it off when you got the bill. I’ve done this many times. I’ve always promised myself I would pay off the card when I got the bill. But something would always come up, some unexpected expense would come up and keep you from paying off that bill when you got it.

Then the next month, you would charge a water bill or your cell phone bill because your hours were cut back at work and your check was less than you were used to so it really put you in a bind.

Over time, this scenario kept repeating itself over and over again until your small soda and bag of chips purchase added up to several thousand dollars owed on your credit card and you’re stuck because you don’t know what to do.

Fast forward to today…you see a commercial for Kevin Trudeau’s Debt Cures book and he says he can help you eliminate your debt and use two magic words to clear up your credit report. You want a way out and you’re desperate to find something that works. You find the debt you’ve racked up suffocating.

You worry each night how you’re going to come up with enough money to pay all your bills this month. You have fights about constantly with your mate or spouse and it puts a severe strain on your relationship. You know you need to make changes to how you spend your money you just find it difficult to put it into practice.

You know you need to change your habits now or the future is going to look just as bad as it is now. You need to take some action now or else you will be dealing with your debt for several more years. You cringe when the phone rings because it may be a debt collector calling again asking for money.

Now, let’s take a look at what your future holds if you continue down your current path…

Your debts have overwhelmed you and it shows on your appearance. You’re all worn down and you don’t have the glowing smile you used to when things were easier and you didn’t have all the debt.

You won’t have any money saved up in a 401k or retirement plan so you’re stuck working at a job you hate driving to that doesn’t appreciate the work you do. You’re working more than ever, putting in more and more hours but barely making it. The thought of taking a vacation is just a dream because you have to work just to pay all your bills.

That doesn’t sound like a great future does it?

You can change your future regardless of your past. You can eliminate your debts and get back on track. You can consolidate your debts and start to regain a grasp on your finances.

Here are 4 recommended sites to help you with your debts and get you back in control of your life:

Care One Credit

Credit Solutions - Consolidate and eliminate your debt. Be debt free in 12-36 months.

Take Off Debt - debt negotiation to help eliminate up to 70% of your debt

Tax Debt Relief - settle your tax debts and pay only a fraction of what you owe

I wish you the best and hope you take the steps necessary to get out of debt.

-Adam

Debt Cures Reviews

Click here for a Free Debt Consolidation Quote

Recommended Resources:

Elminate Debt
Looking to get out of debt without the scams? Click here to learn how to completely eliminate your debt in 5-7 years. Eliminate Debt

Reduce your debt by 50%
Find out how easy it is to reduce your debt by 50%. Click for fast online debt relief. Click here for more info

Making Money Online for Newbies
Want a way to make money online, even if you're BRAND NEW to Internet marketing? Here's an easy, 100% legal and proven way to make money fairly quickly. Click here

ads by Debt Cures

Hello-

Today, I wanted to offer you some helpful resources to help you improve your credit. If you are having trouble getting a credit card, I’ll share some good credit card offers for you. If you need help with credit repair, there is a good solution for you.

Recommended Credit Card Offers

New Millennium Bank

New Millennium Platinum Card

The New Millennium Platinum Card is a secure credit card with a credit limit up to $10,000. This card reports to all 3 credit bureaus, and you are approved regardless of your credit history.

• No CREDIT CHECK
• Approved REGARDLESS OF CREDIT HISTORY
• Credit Limits UP TO $10,000*
• Reports to ALL 3 BUREAUS
• Get CASH AT OVER 740,000 ATMs
• Emergency CASH TRANSFERS
• Auto RENTAL INSURANCE
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• Extended WARRANTY PROTECTION
• Special HIGH INTRODUCTORY SAVINGS RATE

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New Millennium Advantage Pre-Paid MasterCard

The Millenium Advantage Pre-Paid MasterCard gives you the convenience of paying bills on-line or over the telephone, making on-line purchases and using your card wherever the debit MasterCard brand is accepted.

• Use your card at over 900,000 ATMs and millions of locations worldwide!
• No credit check or income verification required
• No Chexsystem check
• No minimal balance required!
• Phone and On-line account access
• Shop and pay bills on-line!

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Wired Plastic

Wired Plastic is the most advanced Prepaid Debit card available. It offers flexible pricing plans, an innovative Rewards Program and several convenient card loading options including; Free Direct Deposit, Bank Transfers and Instant Cash Loading at over 100,000 retail locations nationwide. With its powerful account management tools, cardholders can; use Click-n-Pay™ to schedule recurring monthly bill payments including rent, car payment, and utilities or use PersonalPay™ to send a check to anyone or transfer money to another account online or over the phone 24/7. They offer FREE customer service, online access, and wireless alerts. Plus you never pay NSF, overdraft or bounced check fees! Wired Plastic helps make your life easier! Apply Now!

• New Card for Convenient Tap-n-Pay Purchases at Merchants Nationwide
• No Bounced Check, NSF and Overdraft Charges EVER!
• FREE Rewards Program - Earn 1 point for every $1 spent, redeem for Prepaid Wireless Airtime, Music Downloads, LD Calls
• FREE Bill Pay Service - Pay Anyone Online or Over the Phone
• FREE Credit Builder with Overdraft Protection
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• FREE Direct Deposit - Eliminate Check Cashing Fees
• Add Cash Instantly at 100,000 Retail Locations Nationwide

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Account Now

• Instant Guaranteed Approval* – no credit check, no security deposit
• $0 ACTIVATION FEE – when you load your card by direct deposit
• Free Direct Deposit – no more check cashing fees
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• Free Credit Builder† – bill pay transactions are reported to PRBC®
• No Overdraft Fees – no minimum balance required
• Reloadable - $10,000 balance limit

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Upside Visa Card

• Reloadable prepaid Visa® card for 18-25 year olds.
• No activation fee, no monthly or yearly fee.
• Great solution for a debt-free financial future as it has no APR or overdraft allowance.
• Quick, easy online application.
• Free money loading with direct deposit from friends, family and employers.
• Free and instant card-to-card transfer, perfect for IOUs, birthdays, holidays, etc.
• Accepted anywhere Visa debit cards are accepted, including abroad and online.

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Horizon Gold Credit Card

The Horizon Gold Card has guaranteed approval, and reporting to a major credit bureau. This offer is recommended for if you have bad credit or have no credit rating at all and need to start establishing credit.

• Guaranteed Approval!
• Bad Credit Accepted!
• No Employment Check!
• Reports to Major Bureau!

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Credit Report and Credit Score Offers

GoFreeCredit.com

GoFreeCredit.com benefits:

Get your free credit score and credit report instantly from GoFreeCredit.com

• Unlimited access to your Credit Report for 60 days online
• Automatic notifications of changes to your credit report
• A detailed personal analysis
• Details on who has reviewed your report

Apply Now!

Experian Triple Advantage

Get your free credit score and credit report in seconds from Experian with a free 30-day trial of Experian Triple Advantage Monitoring.

FREE credit report and score with a FREE 30-day Experian Triple Advantage Monitoring trial. Check & dispute possible inaccuracies. Will not lower your score. Detect critical changes and potential identity fraud. Monitor your credit report to help catch ID fraud early. Click here to get your free credit report and credit score

Equifax Credit Watch™ Gold with 3-in-1 Monitoring.

• Comprehensive credit file monitoring and automated alerts of key changes to your Equifax, Experian, and TransUnion credit reports
• Wireless alerts and customizable alerts available
• Free 3-in-1 Credit Report and unlimited Equifax Credit Report™
• Up to $20,000 Identity Fraud Expense Coverage with no deductible (certain limitations and exclusions apply)† at no additional charge to you
• Knowledgeable Customer Care 24 hours a day, 7 days a week

Click here to monitor your credit

Credit Repair

Care One Credit

Why Choose Care One Credit?

• Get a Free Surviving Debt Guide
• Multiple Debt Management Plans to choose from
• Get a proven plan to get out of debt

Care One Credit

Credit Solutions

Why Choose Credit Solutions?

• Reduce Total Balances
• Avoid Bankruptcy
• No Credit Checks
• Home Ownership Not Required
• Get Out of Debt in 12-36 Months

Click here to get out of debt

TakeOffDebt.com

Why Take Off Debt?

• Never Make Another Credit Card Payment
• Stop wasting your money on interest and late fees. Get out of debt now
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• Walk Away From Your Credit Card Debt
• Complimentary Q&A session with a debt specialist
• Want to pay less of your credit balance?

Click here to take off your debt

Car Loans

Instant Car Loans

The auto loan specialists at Instant Car Loans can help you obtain the auto credit you deserve even if you have a bad credit rating.

Auto credit and car loans are just a FREE APPLICATION away! Even if you have bad credit, our auto loan specialists can help you obtain the auto credit you deserve! Apply Now!

Instant Approval Auto Loans

Instant Approval Auto Loans helps individuals with bad credit, no credit, bankruptcies and other problems get the car loan they deserve. The one-minute application is easy to complete, and there is no cost or obligation. Apply Now!