Debt Free Helper

Welcome!

Get out of debt NOW - with free information and tips about debt elimination, becoming debt free, and debt free living. Many who get behind on bill payments believe that debt consolidation or bankruptcy is the only alternative to reducing debt, and getting financial help to improve cash flow.

This is NOT a Consolidation, Bankruptcy or Loan Company. It's about getting help with debt, and learning for yourself, how to get the info and the tools to enable yourself to become debt free.

Some people are just tired of living pay cheque to pay cheque and would like to find a way of reducing and eliminating debt. They would like to learn how to make a budget, and have a debt elimination plan to guide them toward wealth creation and lead them to financial success.

WHAT DO YOU WANT? Financial Stability, Security, Financial Independence, Freedom from bill collectors. How about a good nights rest?

YOU DESERVE A DEBT FREE - STRESS FREE LIFESTYLE

70% of credit card holders have monthly balances averaging $3,000. Credit card debt continues to rise.

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Avoid Bankruptcy... Eliminate Debt... HELP is here.

Do you control your finances ... or do your finances control you?
Click below for a Quick Self Quiz.

Click here

"It felt like I was under a mountain of debt."

Hi, I'm Glenn. It was just a few short years ago that I went through some very difficult times, financially. It seemed there was never enough money at the end of each month to go around and pay all the bills. It felt like I was under a mountain of debt.

Of course, the stress was unbearable. Each day was started with apprehension and fear that my mail box would greet me with more "reminders" of my mounting debt. My stomach would tighten, as the telephone rang, for fear of another bill collector wanting prompt payment. My life was no longer mine. It seemed like it belonged to those who I owed money to. I was no longer working for my own wants and desires.. but instead, I now worked every hour for my creditors to whom I owed so much money.

I was tapped and trapped, and had nowhere to turn. I started looking for "HELP" by looking up the names of companies that handled bankruptcy, as I figured that would be my only alternative. I was far too embarrassed to tell any of my friends or relatives about my situation. It was just around this same time that another business owner invited me to a "seminar" where some "millionaires" were going to be speaking. I then began a three year journey that I never thought would lead me to debt-free living. Read on to find out what happened next....

"Don't be afraid of going slowly....be afraid of standing still".
Eastern Proverb

I took notes at that first business seminar...and the second, and, well...all the seminars and meetings I attended from then on. I invested my time, approximately 200+ hours just to aquire enough knowledge and understanding of what my finances were really all about. Not having enough money was only part of the problem...a symptom of the root cause.

I met some very "wealthy" people who shared many "secrets" to becoming free of debt. I continued my research, making notes and recording them on my handheld tape recorder. I also travelled many a mile listening to tapes in the car, and took many an evening late into the night, reading some excellent books about debt, and about wealth creation. It was an intensive three years of study and research, sifting through the essential and non essential info that was piling up around me.

There's no need for you to go through this lengthy process, as I have compiled much of this information after actually putting it into practice, and becoming debt free. I have put together a Debt Elimination Guide, designed specifically to help people learn six important steps toward completely ELIMINATING all debt, and beginning a new life of debt free living.

Avoid bankruptcy or debt consolidation. Now you can eliminate debt with a step by step plan.

Getting Back to Zero and Soaring Beyond

This step by step guide to Basic Money Management helps you get the info you need to get back on track financially.

It's focus is two fold, on one hand it helps those who are struggling with debt to learn the basics of personal money management, so they can find out exactly where they stand financially, and learn the steps needed to become debt free. The other part of the focus is for those who are not yet struggling with their debts, but they don't really know where they stand either, and would like to learn what is needed for them to STAY out of trouble. Of course, they too will learn what it takes to become debt free through the debt elimination plan provided, and it will also familiarize them with some principles needed to build a strong financial foundation.

This guide teaches people things like .... what a Net Worth statement is and how to calculate it... what assets and liabilities really are, and how they relate to two sides of the cashflow equation. It explains the basics in an easy to follow manner. So alot of things covered in it are very basic but essential to those wanting to get a grip on financial literacy. The same tools you learn here, to get out of debt, are the same tools needed to STAY out of debt and build a Firm Financial Foundation.
It can actually make the difference between "Paying" thousands in interest on what you owe, and being "PAID" thousands in interest on what you earn.

Learn how to:

Control your spending, and find out where you stand financially.

Start your own debt elimination plan, and begin to put more of your income back into your own pocket.

Enjoy a debt free lifestyle.

For many people, being told to "control your spending" is simply not enough. They would like to have a step by step guide that shows them exactly what to do, and how to complete each step. There are some very important things you'll need to know before you put your Debt Elimination Plan into action. This guide will show you, among other things, how to create a budget, how to track your spending, plus, it includes a strategy to help reduce and eliminate debt. You will learn the SIX CRUCIAL steps to putting an end to your debt, and learn to live the debt free lifestyle. Now you can put an end to the cycle of debt. You'll want to get your Debt Elimination Guide, BEFORE the next round of bills come in.

This easy to use guide will walk you through the process of getting out of debt, and staying debt free.

In this step by step guide, you will learn:

The number one rule..."pay yourself first", a portion of all you earn is YOURS to keep.

About goal setting and its importance in becoming debt free.

How to free up some of that money that slips through your fingers on a daily and weekly basis.

How to put up to 30% of your monthly income back into your own pocket...it will be like giving yourself a raise.

How to pay off each debt quickly and painlessly in a systematic manner.

Many age old secrets and principles to accumulating wealth.

Most people can become free of the majority of their debts in less than three years! How do I KNOW this?...because I was there...and I followed the steps to get out of debt and became debt free in less than three years. I have walked in your shoes, and I have also helped others to begin their journey toward debt free living. It has been said that if you want to accomplish something, follow in the footsteps of those who have successfully DONE what you want to do. Become Debt Free!
YOU CAN DO IT TOO, simply by getting your Debt Elimination Guide, "Getting Back to Zero and Soaring Beyond".

Your next step is to get the information you need - click here - for FREE TIPS and Info on debt reduction.
Note: There is NO charge for this Information Pack, full of valuable tips and quotes. You will also learn what is in the Debt Elimination Guide, and avoid the need for Bankruptcy or Debt Consolidation.

"As a rule, he or she who has the most information will have the greatest success in life."
Disraeli

Ask a Question - no charge

Confused about personal finances and don't know where to start? - Ask someone who has been in your shoes. For FREE consultations click here to contact your debt coach. Ask Glenn a question, stating your situation, providing as much detail as possible, so he can give you feedback. Your information will be kept strictly confidential.

Self Quiz and Helpful TIPS

Quick Self Quiz

"DO I CONTROL MY FINANCES...OR...DO MY FINANCES CONTROL ME?"
List your answers, "YES" or "NO", beside the corresponding question number. Answer all the questions.
For results, see "Quiz Scoring" below TIPS. (copy and paste questions to notepad and then type your answers "Y" or "N"...send in your answers and score (use one of the free info links below), and you will receive an analysis and feedback response to help you zero in on what you need to do to get on track.)

Do you indulge in dining out, going to the movies, and other entertainment even though you're not sure if you can afford it?

Do you find yourself thinking "If only there was more money at the end of each month, then I could get ahead."?

Are you in the habit of saving a portion of your income, and letting it build in investments?

Do you pay cash for your luxuries?

Do you find that at least one crisis crops up, one after the other, time after time?

Do you have a habit of keeping your cheque book balanced and up to date?

Do you maintain a household budget, and review it monthly?

Do you stay within your monthly budget?

Are you apprehensive when the telephone rings, for fear it may be a bill collector?

Do you take money marked for one bill, to pay another?

Do you often look for spare cash, small bills and spare change to go to the store for something you need now?

Do you have excess funds accumulating in various accounts, earmarked for specific items, goals and luxuries?

Have you ever applied for a new credit card because your other credit card is maxed out?

Do you pay your credit card balance in full each month?

Are your monthly credit card payments somewhere between the minimum required payment, and the full balance owing?

Do you pay only the minimum payment required on your credit card balance each month?

Have you ever borrowed money from a relative?

Have you received any calls from collection agencies or creditors in the last 90 days?

Do you keep a daily expense sheet?

Are you in the habit of setting goals, writing them down with target dates on them?

In general, is the lack of money a source of stress in your life?

In the past 90 days have you considered claiming bankruptcy?

Do you repeatedly fall behind on your mortgage or rent payments?

Have you ever calculated your Net Worth Statement?

If your income suddenly stopped, could you continue living your current life style for at least the next 90 days?

If you were faced with a crisis which resulted in an additional monthly payment of $100.00, would you be able to comfortably manage the extra monthly payment for an extended period?

For results, see "Quiz Scoring", below. (copy and paste questions to notepad and then type your answers "Y" or "N"...send in your answers and score (use one of the Free info links below), and you will receive an analysis and feedback response to help you zero in on what you need to do to get on track.)

Helpful Tips

Below, are a few tips that you'll appreciate in your quest to become debt free. By reading several times, some valuable principles can be learned, and put into action immediately.

Save a portion of all you earn, then have it work for you to provide a never ending stream of income.

Live within your means before you try to increase your means. Spend less than you earn.

Analyse your situation - make a record of all expenditures.

By putting an extra $100 a month toward a 30 year fixed $100,000 mortgage at a 9% interest rate will save approximately $75,000 in interest.

Money can't buy peace or happiness, but you won't find peace or happiness in a life of poverty.

At first, YOU make your habits, but later, your HABITS make you.

Where you create financial order, financial success will follow.

Every liability you carry is someone else's asset.

The above tips are just a few, selected from the Debt Elimination Guide. For MORE FREE Helpful tips, click on the link below.

Click here to receive your FREE information on debt reduction, helpful tips, and more. You will learn what the Debt Elimination Guide covers, including the six steps to �Getting Back to Zero and Soaring Beyond�.

Quiz Scoring
Question #	Yes	No	Your Score	_______________	Question #	Yes	No	Your Score
1	5	1	_____		14	1	5	_____
2	5	1	_____		15	5	1	_____
3	1	5	_____		16	20	1	_____
4	1	5	_____		17	20	1	_____
5	5	1	_____		18	20	1	_____
6	1	5	_____		19	1	5	_____
7	1	5	_____		20	1	5	_____
8	1	5	_____		21	5	1	_____
9	5	1	_____		22	20	1	_____
10	5	1	_____		23	20	1	_____
11	5	1	_____		24	1	5	_____
12	1	5	_____		25	1	20	_____
13	5	1	_____		26	1	20	_____
TOTAL								_____

After tallying up your score, read below for the Quiz results. FOR A MORE DETAILED look...send in your answers and score (use the free info link below), and you will receive an analysis and feedback response to help you zero in on what you need to do to get on track.

Score = Below 40	Score = 41 to 80	Score = above 81
Congratulations!! Your low score is an indication that you're on the right track, and are aware of the importance of keeping tabs on your finances. Review the questions and your answers to see what areas you can improve on. For more FREE tips to help you, click on the link below. You'll find valuable wealth creation principles which will help you on the way to securing your financial future.	This score shows you have put effort in to keeping your finances in order. However, for those who scored in this category, some guidance is recommended. There may be some areas crucial to your financial progress that you are not fully aware of. You can benefit from the information in the Debt Elimination Guide which will help you learn to manage your finances more effectively.	Action is needed now! For those who scored in this category, you have some serious issues to deal with. Continuing in the same manner will lead to serious inescapable consequences down the road. The score indicates that you are in an ever increasing downward spiral, and you need help to remedy the situation immediately. You may already have creditors and bill collectors calling. Don't panic...help is here. Click on the link below. You can greatly benefit from the Debt Elimination Guide.

I commend and respect all those who are improving themselves by reducing and eliminating debt from their lives. Congratulations for taking the steps to do something about your financial future! I am truly interested in helping you bring financial order to your life, through this debt elimination plan.

"Successful people have simply formed the habit of doing things that unsuccessful people will not do."

This page was created to help people who are searching for answers on how to get a handle on their finances. The information outlined above is simply an introduction for you, and while it can act as a good starting point in your journey toward debt free living, you will want to click on the link below to access MORE FREE TIPS and Information that will help you in your quest.

"May you find the success you seek along your journey, as it will come to those who simply do enough of the right things"
Glenn

Click Here to receive your FREE information on debt reduction, helpful tips, and more.
You will learn what the Debt Elimination Guide covers, including the six steps to
�Getting Back to Zero and Soaring Beyond�.

Your questions and comments are welcome.
Any information you provide will be kept strictly confidential, and will not be shared, or passed on.

Ask a Question - It's FREE

Confused about personal finances and don't know where to start? - Ask someone who has been in your shoes. For FREE consultations click here to contact your debt coach. Ask Glenn a question, stating your situation, providing as much detail as possible, so he can give you feedback. Your information will be kept strictly confidential.