With the beginning of August 2009 I ended a 15 year negative habit and the resulting consequences of those 15 years. In July we paid off our last credit card to a complete $0 balance across the board. I can tell you from my personal experience, the weight that was lifted feels incredible to no longer carry. We still have bills we're focusing on contracts with the collection agency, medical bills, average credit card debt, car payment and those darn school loans to get rid of next.
My wife and I are big fans of Dave Ramsey and we worked an adapted version of the plan that Dave presents for getting yourself out of debt and changing your life. He regularly says that people need to "Act their wage" and "Live like no one else so later you can live like no one else." We really tried to take those comments to heart and change our family's future.
I guarantee that if you read through what Dave and his team have to say about your personal finances and even your integrity as an individual for taking responsibility for your financial decisions, you'll change your life forever.
I'll also guarantee you that it's not easy. You're going to probably be grumpy a bit as you work through these efforts, but it's not much different than the significantly hard work of exercising and getting your physical body in shape.
Dave Ramsey has a show on the Fox News Network, daily podcasts, numerous books including his Financial Peace University class. He also travels the country for live events. I really suggest you pick up something of his and give him a try if you're looking for a financial change.
Don't wait for someone else to bail you out of your situation. Get down and get serious and take you success and future into your own hands. However, for instances where your property such as an aircraft is in danger of being repossessed because of your debt, you may seek the services of an airplane repo attorney.
Uncover your new future of living completely debt free with Dave Ramsey.
