"I believe that I am a person who's optimistic about change. Thanks for reminding me from your broadcast with Gayle King... I needed that." -Michelle
Read More Testimonials»

On the Finances Blog

Bankruptcy: The Power of the Clean Slate

It doesn’t take many clicks online to find writing and advice on how to shape up your finances, even First30Days has a great financial advice section found here. There are...

Read More About Bankruptcy: The Power of the Clean Slate»

Our Reducing Debt Experts

Dave Ramsey

Dave Ramsey

Host of "The Dave Ramsey Show" on Fox Business Channel and...

Shared by First30Days View Profile»
Scott Bilker

Scott Bilker

Author and creator of DebtSmart.com

Shared by First30Days View Profile»
Liz  Pulliam Weston

Liz Pulliam Weston

MSN Money columnist and author

Shared by First30Days View Profile»

Meet all of our Finances Experts»

Got A Tip?

Tips

Taking the First Step

Icon_tip_1

You’ve taken an important step in choosing to reduce your debt. Just making that choice puts you on a different path—one of power and freedom. Imagine how wonderful it will be to see “zero balance” on your bills, and to hold your head up high, feel deserving and not afraid to answer the phone.

During the next 30 days, you will:

  • Determine where you stand in regard to exactly what you owe.
  • Organize your finances.
  • Address the emotions you have associated with debt and spending.
  • Set up a debt-repayment plan.


DID YOU KNOW? The average debt per U.S. household is $9,882, according to Cardtrak.com.

You don’t have to share that number. By taking control of your finances one step at a time, you’ll have more freedom than you ever imagined. Congratulations on deciding to reduce your debt.

Posted: 9/29/18
«Previous Tip
fundingloanplc21

Celebrate this Christmas season with joy and gladness in your heart...

I would like to bring this to the notice of the public about how i met Funding Circle Loan PLC after i lost my job and been denied loan by my bank and other financial institution due to my credit score. I could not pay my children's fees. I was behind on bills, about to be thrown out of the house due to my inability to pay my rent, It was during this period my kids were taken from me by foster care. Then i set out to seek for funds online where i lost $3,670 that i borrowed from friends which i was rip off by two companies. Until i was referred to Funding Circle Plc by a very good friend, so if truly you are in need of a loan i advise you contact this Godsent lender via Email: fundingcapitalplc@gmail.com OR Call/Text +14067326622 and be free from scam' Jennie Cortez by name from United State


julicad111

Author: Julian Caden
Topic: Pregnant at 52 after reunion love spell
Testimony:
-My marriage was falling almost dead due to a bit argument, depression, feelingless and numbed attitudes of my Hubby, he preferred being silent so as to hurt me.
-Although there’re days he has been fine and good to me, we cook, eat and do things together, but we still like stepping on a dozen of eggs, we were not at ease as like before when our marriage was still in an excellent shape. Most times after saying some hurtful words to me like; I cannot bear his children anymore cos of my age. He says sorry and apologize cos he knows that he’s acting passive, numbed and feelingless to me and frustration hits him back again and again.
-I truly love my Hubby and feels guilty of our misfortune, I have always wanted to trace back my wrongs and make some amendments so we can live as a happy family with our children by our side. I was tired of seeing him hurt inside.
-He eventually served me with a divorce letter after 18 years of our blessed marriage. His reason was that we could never work things out together again, I couldn’t bear his children, shutting him off to be involved in my life and affairs, he feels numbed when he thinks of those circumstances.
-I was deeply hurt before consulting Dr. Wakina Love Temple, even though I tried day by day to adjust to the woman of his choice but he didn’t see my efforts.
-At the end, I was put in a better position with my Hubby by Dr. Wakina love spell via his email dr.wakinalovetemple@gmail.com. I’m 7 months pregnant already at 52. It’s a magical work of Dr. Wakina that restored our dream.

TheresaL

SCAMMERS DRAINED AND RUINED ME FINANCIALLY AND LEFT ME HOMELESS BUT THANKS TO UP START LOAN (upstartloan@yahoo.com).

Greetings to everyone, Life they say is full of deceit. No torture and pain can be compare to what i Theresa L. Bernard experience in the hands of scammers, The most annoying part of it is that someone always post of receiving a loan from them which is nothing but lies and strategy to deceive and extort hard earn money from people. I was victimize several times because of that, After reading a post about them i end up trusting them without verifying, I lost more than $12,500 in the quest of obtaining a loan i sold my car defaulted in my bills but i keep on falling victim my life was a piece of trash full of mess. My kids dropped out of school, My bank denied me credit because my credit score was down already about leaving the bank with a broken heart a staff in the bank approach me and say that there is a financial institution called UP START LOAN that say yes even when banks and other financial institution says no. She advised me to give it a try to be honest i was so skeptical leaving the bank without saying a word to her. It was a month later when my eldest son was hospitalized looking up and down nothing to pay for his hospital bill devastated and confused and then i remember what the bank staff told me and i quickly went to the bank to plead with her and inquire on how to contact UP START LOAN and she gave me the details which are Email: ( upstartloan@yahoo.com ) OR call/ text customer service through +1(574) 301-1639 . After following due procedures and comply to their policy in less than 24 hours my credit of $25,000 got approved and transfer to me. I later apply for a home and startup business loan of $350,000 which i receive and i obtain a home at 2076 Simon St, Philadelphia, PA 19124. UP START LOAN is the best. ( upstartloan@yahoo.com or text/call customer service +1(574) 301-1639. Indeed they say yes when your bank and other financial institution says no.

chesterbr12

Welcome To Chester Brain Loan Service….(Brianloancompany@yahoo.com)

Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?.Our loans Are well insured for maximum security is our priority, Our leading goal is to help you get the service you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose – from vacations, to education, to unique purchases

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate @2% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme.

Interested applicants should Contact us via email: {Brianloancompany@yahoo.com } OR text (803) 373-2162

Thanks for your cooperation
Chester Brain..

Pbak01

Spellcaster bs

  • By Pbak01
  • on 7/21/17 8:52 PM EST
twiladennis

I am in my early 40s and have never had a happy relationships or marriages because of the terrible mistake I made in my youthful age (15 years ago), though I have been married for 3times now. This story is ugly but I must share it to clear my conscience and pave the way for a new beginning in life. I broke two homes; their marriage did not mean anything to me as much as I gets what I want. It was fun until I got married, then karma started. My first husband was a cheating machine with both women and men, the second was nothing to write home about. I visited a therapist immediately the second left, to make sure I do not have broken home again, but the third which I have married for a year and two months took in another girl and demanded I leave his house. I did not see that one coming. To cut it shot; dr. wakina via (dr.wakinalovetemple@gmail.com) showed me mercy by rewriting history with a special love spell. Asked me to first go and plead for forgiveness from the homes I broke before the spell can take effect, it was not an easy task, in fact it was a suicide mission but was success. The spell took effect immediately I forgave myself, something strange began to happen, I saw shadows running off my body that morning, my husband who despised me so much did not only call but came to pick me from work to a romantic dinner. Over a year now, my husband has remained a loving and romantic man. I learnt my lesson. Thank you doctor wakina.

nicdave111

Sometime late September last year, I needed help for a bring back love spell after reading great reviews on Dr. Wakina and his love spell. I had a situation which I desperately needed a supernatural help on, every physical efforts made to rescue my husband has always failed. My husband stopped loving and caring for me and our children after 7 years of happy home. He did so much wrong to me, I encountered so many domestic violence from him, he turned into a professional liar, and the worst of all, and he started using drugs and alcohol. I couldn’t bear his torture anymore when he wanted a divorce. I couldn’t afford to lose my husband to a strange spirit, I knew him to be a loving man before we got married, but I didn’t know what came over him.
Doctor Wakina love spell was so great and powerful, my estranged husband’s attitude and urge for evil changed just after 8 days of the completion of the love spell. The reasons why I can recommend Dr. Wakina to anyone are, his love spell is real and it works, Doctor wakina don’t cast love spell that is against anyone’s wish and his love spell lasts for eternity. I have been observing my husband’s behavior for more than 9 months, he is still the same, he has never stopped loving me again, the love keep growing each day and we keep prospering with the blessings that follows Doctor Wakina’s love spell. That’s the reason why I can recommend him to anyone event to my worst enemy… to email him via dr.wakinalovetemple@gmail.com

vicky005

MY NAME IS VICKY AND I AM FROM SAN DIEGO CALIFORNIA,I WANT TO SHARE A
TESTIMONY OF A SPELL CASTER WHO REUNITE MY MARRIAGE WENT HIS POWERFUL SPELL
CASTER.AND I ALSO WANT TO USE THIS OPPORTUNITIES TO WARN THOSE OUT THERE
READING FAKE TESTIMONY ON SOCIAL NETWORK.BECAUSE I HAVE BEEN SCAMMED BY SO
MANY FAKE SPELL CASTER. BE CAREFUL HERE BECAUSE NOBODY CAN HELP YOU HERE OR
EVEN SUGGEST HOW YOU CAN GET YOUR EX OR LOVER BACK, TESTIMONIES OF MOST
SPELL CASTER HERE MUST BE IGNORE.BECAUSE MOST OF THEM ARE SCAM I MEAN REAL
SCAM WHICH I WAS A VICTIM OF BEFORE, I GOT RIPPED OF THOUSANDS OF DOLLARS
BECAUSE I WAS SO ANXIOUS TO GET MY HUSBAND BACK AFTER HE LEFT ME FOR OVER 2
YEARS WITH MY 7 YEARS OLD SON HARRY,I HAVE APPLIED TO 5 DIFFERENT SPELL
CASTER HERE AND ALL TO NO AVAIL THEY ALL ASK FOR SAME THING SEND YOUR NAME
YOUR EX NAME ADDRESS AND PICTURE PHONE NUMBER ETC WHICH I DID OVER AND OVER
AGAIN AND MOST OF THEM WERE FROM WEST AFRICA UNTIL I SAW A POST ABOUT DR
ALEXZANDER SPELL AND I DECIDED TO GAVE HIM MY LAST TRAIL.HE ASK ME FOUR
THINGS MY REAL NAME,MY EX AND MY EX MOTHER NAME AND SAID MY EX WILL COME
BACK IN 48HOURS, I HAVE SPEND ON SPELL CASTING AND NOTHING HAVE WORK FOR ME
AFTER 2 DAYS I WAS THINKING ABOUT HOW MUCH I HAVE LOST SO FAR SO I SAID LET
ME GIVE HIM A TRY SO I CALLED HIM AGAIN AND SEND MY REAL NAME,MY EX AND MY
EX MOTHER NAME. BECAUSE I SWEAR IT WAS MY LAST TRY SO I WAS WAITING AS HE
TOLD ME TO WAIT TILL NEXT DAY AND I COULD NOT SLEEP THAT NIGHT BECAUSE I
REALLY LOVE MY HUSBAND AND WANT HIM BACK SO MUCH, THAT DAY I SAW MY HUSBAND
WAS ONLINE ON FACEBOOK AND HE SAID HI AT FIRST I WAS SHOCK BECAUSE HE
NEVER TALK WITH ME FOR THE PAST A YEAR AND 11 MONTH NOW I DID NOT REPLY
AGAIN HE SAID ARE YOU THERE? I QUICKLY REPLY YES AND HE SAID CAN WE SEE
TOMORROW I SAID YES AND HE WENT OFF-LINE I WAS CONFUSED I TRY TO CHAT WITH
HIM AGAIN BUT HE WAS NO MORE ON LINE I COULD NOT SLEEP THAT NIGHT AS I WAS
WONDERING WHAT HE IS GOING TO SAY, BY 9.AM THE NEXT MORNING HE GAVE ME A
MISS CALL I DECIDED NOT TO CALL BACK AS I WAS STILL ON SHOCK AGAIN HE
CALLED AND I PICK HE SAID CAN WE SEE AFTER WORK TODAY I SAID YES SO HE END
THE CALL. IMMEDIATELY I GOT OFF WORK HE CALL ME AND WE MEET AND NOW WE ARE
BACK AGAIN I CALL DR ALEXZANDER THE NEXT DAY THANKING HIM FOR WHAT HE HAS
DONE IN FACT I STILL CALL HIM AND THANK HIM AS MY LIFE WAS NOT COMPLETE
WITHOUT MY HUSBAND PLEASE BE CAREFUL HERE I HAVE BEEN SCAM THOUSANDS OF
DOLLARS IF YOU WANT A TRUE LOVE SPELL THEN CONTACT..alexzanderhightemple@gmail.com or check him on his website.Link

diegoloans

Good Day,

I'm Mr. Mason Diego. A reputable, legitimate & accredited lender. We give out loan of all kinds in a very fast and easy way, Personal Loan, Car Loan, Home Loan, Student Loan, Business Loan, Inventor loan, Debt Consolidation. etc

Get approved for a business or personal loans today and get funds within same week of application. These personal loans can be approved regardless of your credit and there are lots of happy customers to back up this claim. But you won’t only get the personal loan you need; you will get the cheapest one. This is our promise: We guarantee The lowest rate for all loans with free collateral benefits.

We strive to leave a positive lasting impression by exceeding the expectations of my customers in everything I do. Our goal is to treat you with dignity and respect while providing the highest quality service in a timely manner.

No social security Number required and no credit check required, 100% Guaranteed.

To Apply Email: diegoloancompany@yahoo.com or visit: Link thanks

SIMSERVE101

That helps me a lot. I want to correct my wrong doings.

BridgesBuilt

My number is bigger than the US Average and I feel overwhelmed at how long it will take....even though I paid off $20,000 in the last year and half...I am tired of seeing the low bank account balance every month!

zadiehugz09

i recently went through a rough time and now I only work one day at week and though i am trying to find another job and have been for a while I still get the calls though I pay at least $20 a month on every bill. I make $100 a month and even with living with my parents I still don't make enough to cover everything. SOmeone told me if I took myself off the insurance plan I would make more money and could pay everything. BUt if I do its another year before I am eligible again. Is taht a good idea. I mean I get my meds for $20 a month even without insurance and only see my doc every 6 months but is that a good idea.