A Debt Management Plan,
the only way to *TOTAL* debt elimination

On this site, I'm going to give you more information on debt than you want to know. I know you are here because you want to be debt free. You need help with a debt management plan, debt elimination, and you want free information.

I'll talk about budgeting, planning, how to pay off debt, snowballing payments, accelerator margins, and many other debt helps that will assist you in getting out of debt fast.

Search the site to find what you are looking for.

By using credit and "affording" those monthly payments, we are really just locking ourselves in handcuffs. By the time we pay off the credit, the item is old, and we want or need a new one, so we go right back into debt. This leads to us always carrying our debt with us everywhere we go. Which is why we are always so tired!

We never spend less than we make, we always spend slightly more. Why? Because our budgeting skills are not taught by the right people. The credit industry teaches us we can afford 40% of our gross salary to debt payments. This is what they base mortgage and auto loan decisions on. But a blanket statement like that is deadly. We are all unique, our spending habits differ, and our expense to income ratio should differ. And our debt management plan needs to be different.

There are so many debt elimination programs out there, how do you know which ones are any good? The short answer is you don't. There are so many, and new ones popping up almost daily it seems. The key is never spending a small fortune for debt advice. Join me as I build this site, to give you all the skills you need to get started with your debt management plan, and make educated decisions.

I once called in for a debt consolidation loan, and by the time they were done with me I was $18,000 more in debt, than before I called! I didn't sign those papers. I realized, luckily before I signed, that this loan was really bad for my wallet. There were the usual closing costs, but then there was a consulting fee for them to customize this solution for me. $7000? Are you joking. You put my details into a piece of software, and it did all the work, you might have taken 30 minutes to "customize" this solution, the other $6950 was to pad their own wallet. Check out the details of their "plan" here

No thank you I said. I'll stick out my current situation. Remember this is a real life scenario, no joke! Wow you say; you are right. They were supposed to save me money. This was a very popular site that I'm sure has "helped" hundreds of other people. In some situations this might make sense. Very few situations I might add, but for some it might. But not me. I was making all my payments on time; I didn't have any extra money left over at the end of the month, but then who does?

I stumbled upon a few debt reduction strategies that actually made sense, asked around about them, and found out that all the "experts" don't know the details. So I became the expert. I researched every avenue of the programs, and discovered the reason the experts don't want us to know about these, is because these methods cut into their paychecks! Everything "they" tell us is wrong. And by they, I mean the experts, and the debt and credit industries. They want us to stay in debt! Even the companies that claim their mission is to help us. They all make money by keeping us in debt, debt consolidation loans are just an instant cash machine, they make huge commissions every time we refinance. And we set ourselves back years in the process. If you are 5 years into your mortgage and you refinance, wham, back to 30 years. If you do that a few times, before you know it, you'll be on track for a 50 year mortgage! Yikes! Nobody wants that kind of debt management plan!

As I continued to learn and study the things I had found, I became even more upset that they are keeping us in debt. We must fight our own will power because what they peddle is so enticing! They are selling us the life we want, but it comes at a cost, a huge cost. Our future, our retirement! We get buried so deep in our debt that we can't afford to save for our retirement. Instead of saving for 12 months to buy that flat panel TV, we finance it for 36 months.

Then they come out with new schemes, to lend ourselves the money, genius, lock us into a new type of debt, insurance premiums. Pay $1000/month for the rest of our lives, and then borrow our own money.

I discovered several secrets the banks and credit industry don't want us to know about. These tricks work against the banks, and for the consumer. I started using these tricks and actually "found" an extra $100/month that my bank had been keeping for themselves! I created a debt management plan and I started putting that $100/month toward my debt, I was able to rapidly pay down several loans. This strategy allowed me to open my first 401K and start saving for my future!

Are you curious how much of your money your bank is keeping? Do you use a credit card / debit card for most purchases? Could you? Did you know many billers accept credit cards / debit cards, instead of a check? Did you know the bank is using the money you leave in your checking account? Even if only for 1 day? Stop the madness, it's your money, it should be working for you, not the bank!

My goal is to get you to financial freedom. To me that means total debt freedom! This can only be accomplished with a great debt management plan.

I'll be getting into the details more on the following pages. You can browse by clicking links below, or on the navigation bar on the left hand side. Look around this is the only free debt management program you'll find.

To summarize the best debt management plan, I've taken a 7 step approach. The first steps are easy, maybe refreshers, and then the steps get more and more involved, and maybe complex. But I'm doing everything I can to keep it simple, and to help you customize your personal debt management plan. Ideally I'd like to have you login, and keep your debt management plan online for ease of use, but that would be complex, and cost money, and I really want to get this information out to the masses, so to keep it all free, you'll have to download some spreadsheets, and keep your information on your own computer.

So just follow the 7 step debt management program to completion, and then you can dive into the other resources that are available to you here on this site. Good luck!