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Purchase Your Future Now While It Is Still Inexpensive
Leaving school, getting a new job, or even a raise at your current one, has most people considering their next great purchase. Few think about the affect this could have on their future. Rather than pay down the debt they carry, many ponder, "What can I buy now"? The greatest purchase anyone can make is their future.
Each year as you live your life, the proper choices would have you possessing a greater net worth at the end of the year than you had at the beginning. What happens though, is you usually find yourself further in debt. The balances on your credit cards are higher. You bought a new car. You needed more toys for the home.
This is not how you purchase your future. You pay all your bills, except for one. Your future does not submit an invoice; you never receive a statement. Even though it does not demand an interest payment, the longer you give no heed to the purchase of your future the more it will cost you. Your future has no advocate, except you, you can't continue to ignore it.
You gladly pay on debt, mostly for items that lose their value, or had none in the beginning. These are payments which if properly directed could easily purchase your future and secure some peace of mind.
It is important to note some disturbing trends. Recent news stories point to large companies who are in trouble going to the courts to eliminate the need to fund the retirement plans for their employees. Under-funding of pension plans has been a problem for years. The money simply will not be there when many are ready to begin drawing on it.
Then, recently Alan Greenspan, the chairman of the Federal Reserve Bank, said the congress needed to get serious about cutting back Social Security and Medicare. Where does the money for your future come from? Apparently not from there either.
You need to look in the mirror. The person you see there is your only hope. It is the person looking back that will either ensure or sabotage you future. Can you depend on the reflection to get rid of the overhang of debt in your life? It is your only chance. But you cannot wait, you must do it now.
It reminds me of the movie from a few years ago, "Hunt for Red October".
You might remember the scene where the American officers have just come onboard the Russian sub. In the process of turning over his ship, the sub is attacked by another Russian sub. With Americans at the helm and on the sonar station the Russian sub captain assumes command. He orders the sub turned toward the direction of the fired torpedo and moves toward it.
The American officer is yelling and threatening the sailors. He is certain this is not the course of action to follow. However they obey the instructions of the Russian officer. They meet the torpedo head on and it bounces harmlessly off the hull of the sub.
The American officer realizes what has happened. They were able to close the distance with the torpedo before it had a chance to arm itself. Upon reflection, his response was two words, "Combat Tactics".
How does this apply to you? You need to meet your debt head on, not run from it. Take care of it before it has the capacity to destroy you. Even with family members "screaming and threatening" you need to turn your ship to decrease the distance debt stretches in your future and assume "Combat Tactics".
This is a great challenge. That's why you should carefully decide how you spend your money. It is why you need to track your spending. It is why you should engage in aggressively paying down your debt. These things are "Combat Tactics" against debt. When that battle is over they can become your peacetime policy to purchase and ensure your future.
About The Author
David Wilding has, for the past ten years, been trying to help people rid their lives of debt. Through changing their attitudes towards, and their acceptance of, debt in their lives, he has help many to reach the goal : living debt free. Visit his website http://www.debtattack.com.
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Reduce Your Debt With These 5 Tips
It's never pleasant to realize that you're in financial hot water, but pretending the situation doesn't exist is NEVER the way to deal with the problem. If you're having trouble meeting monthly payments, find yourself borrowing or using credit cards to meet daily expenses, or have one or more of your credit accounts turned over to a collection agency, it's time for you to get proactive and bring your debts back under control.
What is Debt Settlement?
Debt settlement is the process of negotiating with your creditors so that you are able to pay off a certain percentage of the debt amount that you owe. A debt settlement company will use different types of strategies to negotiate with your creditors so that you get the best outcome.
Getting Past The Idea Of Budgeting & Saving Money
I'm sure you'll agree that budgeting, saving money, and eliminating debt are very appealing ideas. If effectively tackled, these goals can secure your financial status for the future, and allow you to live a comfortable, debt-free life.
Going Bankrupt in the World
It all starts by defaulting on an obligation: Money owed to creditors or to suppliers is not paid on time, interest payments due on bank loans or on corporate bonds issued to the public are withheld. It may be a temporary problem - or a permanent one.
Selecting A Credit Counselor; Asking The Right Questions.
When you find yourself thinking about using a credit counseling service, you need to be verycareful. You need someone who will help you, not just some pushy sales associate who wantsonly to sign you up for their service.
Debt Negotiation and Debt Settlement
Debt negotiation and settlement can give you a drastic reduction in the amount of debt you owe and allow you to repay your debts in a much shorter time. Resolving your debts is important to your well-being and financial stability.
How to Protect Yourself: Debt Collections
So you are getting collection calls? You're desk is full of unpaid bills. You dread answering the phone.
Stop Debt Collectors
Can you stop debt collectors ? . .
Bankruptcy: Which Chapter Do I File?
There is more than one kind of bankruptcy. You should understand your options before deciding which chapter of bankruptcy you are going to file for, or if you are going to file for bankruptcy at all.
Credit Card Debt Elimination
Credit card debt elimination can be done with a good plan and a little patience.The important thing is to find what works best for you and stick to your plan.
What is debt settlement?Debt Settlement is a process to settle your debts with the creditors. With debt settlement, a third party or you yourself negotiate with your creditors to come up with a reduced debt that you agree to pay.
Are You SURE Your A Bad Debt?
Many people who seek the advice and guidance of debt counsellors are driven to them in the first place by fear and ignorance - two powerful emotions which often mask the real scale of the problems.In many cases, what you made have been led to believe is a 'bad' level of debt, may instead need only some careful reorganisation and a new set of mortgage priorities.
Can You Escape the Trap of Ever Growing Debt?
It's difficult not to be concerned when facing numbers like these:43% of U.S.
Dealing with Thingitis
Debt is quickly becoming an epidemic in America. However, through the past 50 years, America has not seen such large domestic growth.
The Road to Debt Relief
Living with debt is not something someone hopes for, but it happens and it usually becomes far more severe than it should before something is done to eliminate it. Once many individuals realize they have a problem with debt, they are too embarrassed to ask for help so they let themselves dive further into debt.
Should You Join a CCCS - Consumer Credit Counseling Service for Debt Relief and Financial Freedom?
Do You Need to Join a CCCS - Consumer Credit Counseling Service?Are you in a "debt hell"? If you are unsure, ask yourself these questions:Do you have bill collectors calling you and home and at work, leaving annoying messages?Are you afraid to open the door in the morning because you are afraid that the Sheriff's office has left a court goody for you?When the phone rings, do you get butterflies in your stomach?If you answer the phone and it's a bill collector, when they ask for you, do you reply "He/She's not in right now", or even just pick up the phone and then hang it up without saying who is on the other end?Do you go for days on end without checking the mail because there are only bills there?When you finally do get the mail, do you just throw it in some random location for weeks or even months without ever opening it?Are you paying one credit card company's bill with another credit card?Are your credit cards riddled with over the credit limit and late fees?Do you only receive high interest credit card offers?Have you applied for credit cards or car loans and been told that you had been denied because of bad credit?Does your credit report show a lot of late payments, charge-offs, bad debt, 30 60 90 or 120 days late entries listed?Does filing bankruptcy seem like your only way out?If you related to at least two of those items, chances are you would benefit from a consumer credit counseling service.Believe me, I know what you are going through.
Bankruptcy - The Easy Option?
Incredibly, since the changes in the bankruptcy law in April 2004, debtors are more likely to petition for their own bankruptcy rather than their creditors! You would think that most people who have been threatened with the prospect of being made Bankrupt would be riddled with fear of the possibility. It is more widely referred to as the "Big B" rather than the dreaded word itself.
If you're thinking about an IVA, it is essential to get the best information possible. This is because although an IVA can be a manageable way to resolve your debt problems, it can also represent a commitment of up to five years.
Craving For Financial Freedom
Have you ever felt trapped in a Rat Race and wished to retire quickly but rich?Have you ever felt that you are spending way too much time working with your boss at your office instead of with those you love? Your spouse, children, friends?Have you ever felt frustrated because you are so deep in debt that you think you won't be able to retire because as soon as you do, the money will stop coming and thus you won't be able to pay off your mortgages and credit card?Have you ever felt that you have no control over your life anymore in terms of time? Think about it: can you take a vacation just anytime whenever you want/ need it and as long as you want/ need it?Have you ever wished that you can work whenever you want and wherever you want?You are not the only one!Too many people are trapped in a Rat Race because they have to. There are too many bills to pay, and too many dreams to fulfill.
There are some new bankruptcy laws going into effect before long and many think they are much needed. Of course, that depends on which side of the bankruptcy you are a part of.
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