HOW TO GET OUT OF DEBT IN SEVEN TO 10 YEARS AND BECOME FINANCIALLY FREE!

     Most people do not carefully manage the largest asset they have - their income. Today's busy lifestyle makes it even more difficult to keep control of bills, income and family consumer needs. However, any employee who expects to ever get ahead financially will need to have a plan to become debt free and build their own financial security.

     Many people use the excuse that they do not make enough money and therefore cannot get out of debt. The real problem is not the income, it is the lack of establishing a plan or road map that gets you on the course to financial freedom.

     Talking about how bad off you are to friends, complaining about all your bills or placing the blame on your low income will not solve your financial problems. Why? Because your first test on managing money wisely begins with your first job. Control of spending and emotions is the first test of whether more money can help you get ahead. Did you know that many millionaires have gone bankrupt? Are you aware that the more money people make the more they spend - unless they have a plan to get ahead. It is your plan to get ahead, not the amount of income you earn that places you on a course to build financial freedom. Manage the money you now have effectively and more will gradually come your way. Your money "attitude" is the key to getting ahead.

     Many people who have financial problems and who own a home will use a refinancing scheme or a second mortgage to ease the immediate pain. Others use a credit counseling service. Neither of these alternatives offers the best solution. Many refinancing schemes simply put big commissions into the lender's pocket by adding hidden fees and extending the debt payment period. The Consumer Credit Bureau, on the other hand, unofficially represents the retail merchants. They do some good but don't assume they actually represent you personally.

     The best solution to managing debt and building wealth is to complete an independent analysis of your entire financial situation. There are three basic ways a professional debt elimination consultant can be of help -- debt negotiation, debt restructuring and an honest review of re-financing alternatives. If you are in serious financial trouble, you do not have to file bankruptcy. Debt negotiation can solve the problem without bankruptcy in almost all cases. If you are financially secure, but would like to get out of debt, pay off a home, eliminate car payments or get control of credit cards in seven to ten years, debt restructuring and re-financing can get you quickly on the road to financial freedom. We call this, "Living financially free!"

     Excessive consumer purchasing is one of the most destructive elements to your finances. Saving and investing is your best friend and systematic savings can quickly get you on the road to living financially free. The quickest and easiest way to learn more about your alternatives to build financial freedom is to click on the (EAFP) Employee Assistant Financial Program or the FREE COMPUTER ANALYSIS REPORT section on this Financial Learning Center web site. You can receive a completely FREE computerized debt analysis and financial review. This analysis in independent of a real estate re-financing company and if you elect to begin a program of debt elimination, you will never be ask to put more money out of your pocket, unless you simply wish to save more money. Even if you are financially OK, ask for this free report. Getting a home, car and credit cards paid off will give you financial freedom and peace of mind for the rest of your life.

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