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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

Author and creator of DebtSmart.com

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Liz Pulliam Weston

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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: 6/24/17
«Previous Tip
StephanieWilson01

Hey Guys i only have this little chance to tell you people about this powerful spell caster that brought back my lover to me within 3 days. His name is Dr Obasi of the Shrine For Solution.My Husband left home since four months ago without even a call from him.I have cried for help but all that heard my cry kept on collecting my money without doing anything.A friend introduced me to Dr Obasi because he has helped her own sister in bringing back her lover.I contacted him, i cried so much and he heard my cried and he said he is for real and not like others.I want to confirm to you people that the following morning after he has started the work, my lover emailed me and also sent his friends to beg me not to be angry that should he come home? He is hungry and love to be with me. My lover is back and how do you expect me not to talk about Dr Obasi ? How on earth do you expect me to forget about him.You can contact him and he will do it for you, i assure you. His email address is obasispelltemple@gmail.com His cell number is +2349065671269.I am 101% sure that he will do it for you too because i know that there are so many people who needs help.We have made love and getting ready for a trip to Dubai. Thank you once again dr obasi, i will forever be grateful to you.and his web site is [obasispelltemple.yolasite.com] I am Stephanie Wilson from UK

IF YOU HAVE ANY PROBLEMS LIKE....

1. LOTTERY SPELLS

2. GETTING EX BACK SPELLS

3. PREGNANCY SPELLS

4. BROKEN MARRIAGE SPELLS

5.CASINO SPELLS

6. HIV CURE SPELLS

7. PROTECTION SPELLS

8. GETTING BACK TO GATHER AFTER A BREAKUP OR DIVORCE SPELL

Do not cry anymore, contact this powerful spell caster Dr.Obasi on his email: obasispelltemple@gmail.com or call +2349065671269 thank you

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

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