In debt? More than 84% of consumers have some kind of debt. Car payment, mortgage, credit cards, something we are paying on , or something that has gotten away from us. Like those credit cards that they ask you if you want to increase your credit limit all the time. And... we , or some of us , always click YES. Fools aren't we. I know I have done so , more than once. I say to myself I will get the increase but I won't use it. It will be there for my rainy day when I really need it. Yeah ok. I have used it, more than once and now have a high debt with those damn cards. Today I took a good look and realize it is time to get off my ass and make a payback plan and stick to it.
I have watched a show on tv called Till Debt do us Part with Gail Vaz-Oxlade. Now some may really dislike this woman and her show because she tells it like it is and gives people hell when she knows they need it. But really... she makes a lot of sense. And has given people a lot of help, when they chose to take it. So here is her website because today I spent time to read a lot of what she has on there and it is giving me my kickstart to paying off some of my debt and earlier than when I am in my late 60s (10 to 15 years from now).
http://gailvazoxlade.com/
Go to her Resources section where you can find some interactive worksheets that can help immensely. I did . The one where you list your debt and it tells you what you should pay a month to get them paid off in 12, 24 or 36 months. Wonderful tool. Now if you don't think you can do that within the 3 years just do a bit of math for yourself and figure out what you would have to pay for 48 or 60 months.( Sorry Gail I know you would rather we pay off our debt within three years :) ).
This is a great website to get started and keep going. Lots of tips, advice , worksheets to use etc. If you don't use Gails website find another online . Just take that first step and keep with it. Tell yourself you want to get rid of your debt . Go for it.
Take care all. Have a good Sunday
No comments:
Post a Comment