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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...

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Our Reducing Debt Experts

Dave Ramsey

Dave Ramsey

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

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Scott Bilker

Scott Bilker

Author and creator of DebtSmart.com

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Liz  Pulliam Weston

Liz Pulliam Weston

MSN Money columnist and author

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Got A Tip?

Tips

Taking the First Step

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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: 9/26/16
«Previous Tip
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,

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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!