• Lower your monthly payments
  • Reduce stress and live your life
  • Avoid personal bankruptcy court

How did you get so much debt that you need a book like Debt Cures?

Hello-

Why do you need a book like Debt Cures or The Total Money Makeover or John Cummuta’s book in the first place?  What is your story that wound you up with so much debt?  Are you in control of your finances or are you scared to even go to your mailbox because of all the bills that are waiting for you?

I just started reading a new book about how people got out of debt and how they went to Debtors Anonymous to help them get support.  DA is a 12 step program for compulsive debtors.

The first step to dealing with any compulsion is to admit you have a problem in the first place.  You need to recognize that what you are doing is not working.

“If you have more debt this year than you did this time last year but yet you’ve been making all your payments on time then you’re doing something wrong and you’re heading the wrong way. “

Are you ready to admit you have a problem and ready to get out of debt?

Once you can sitdown with yourself and recognize it’s you that is to blame for your financial troubles then you will be on the road to recovery.

Sure, the credit card companies made it easier to slide down the proverbial debt slide once you got on it but you are the one who started the whole process in the first place.

Now you are left looking for quick fixes that books like Debt Cures offer.

There is no easy way out of debt though.

Getting out of debt should not be easy.  It should be a struggle.  If it was easy to get out of debt, you would be out of it already.

Because if it is too easy to get out of debt, you’ll find it’s too easy to get back into debt.

If someone waved a magic wand over you and made all your debts disappear today, how long do you think it would take for you to get back into severe debt?

It’s your habits that will keep you in debt.

Change your habits, change your future.

“If you continue to do what you’ve always done, you will continue to get what you’ve always gotten.”

If you keep spending money on things you don’t need to reward yourself for a job well done, you will continue to rack up mounds of debt that will takes years and thousands of dollars in interest to get rid of.

If you want a debt cure, read Debt Cures, The Total Money Makeover, go to a Debtors Anonymous meeting and get John Cummuta’s book.  This will all help you form the proper habits that will lead you out of debt and into prosperity and peace.

If not, you’re going to have to call your folks and have them clean up your old room because you’re moving back in because you cannot afford to pay your credit card bills anymore.

And that’s not a happy thought.

Send in your comments, they are much appreciated.

Thank you.

Have a great day!

-Adam

Debt Cures Reviews

My Debt Cures story

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