Conquer Debt Year Round

Using cash is a pretty good deterrent to identity theft, don’t you think?
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Bank account access

Never give anyone access to your bank account.

Collectors play this game, promising to take only a set amount if you show a good faith effort and allow them access to your account. Then they clean you out.

Giving access and paying on-line are different. You authorize on-line payments. Giving access is opening the door and telling them to take what they want.

Big difference. Know what you're doing.


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Write it down

Keeping track of spending is easy. Looking at and owning up to what you are spending your money on is the hard part.

Start today. Write it down. Don't be scared of the result. Remember, you can change this behavior.

You are going to surprise yourself by how much money you will find just by opening your eyes.
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Getting into debt is the fast and easy

Nobody said getting out of debt would be fast or easy. Getting into debt is the fast and easy part.

Credit card companies couldn't care less about principal being repaid. They're in it for the interest. You would be, too, if you got 30% on money you loaned. They love it, too, if you miss a payment. Then they can load on fees and penalties.

They want to own you. Are you going to let them own you?
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Car fund

It costs money to drive paid-for vehicles, too, and someday that paid-for vehicle will need to be replaced.

While car payments don’t have to be a fact of life, a car fund in a separate account is. Cars breakdown, tires need to be replaced, oil needs to be changed. These aren't emergencies, be prepared.
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It's time to move

If your house payment (principal, interest, taxes, insurance) exceeds 25% of your household income I'm the bearer of bad news. It's time to move.

Payments more than 25% of your take-home pay create stress. The lawn is no longer as green, the patio no longer as peaceful, and the sound you hear is not just house character creaking, it's something breaking.

Don't turn a dream house into a nightmare. Do it right.


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Fair Debt Collection Practices Act

If you have accounts sent to collection agencies you do know you have rights, correct?

The sole purpose of the Fair Debt Collection Practices Act (FDCPA) is to eliminate abusive practices used by collection agencies. Read up on this and know your rights.

Only you are going to care about you. Don't pay an agency or company to do this for you. Quit the pity party, face your debt, and know your rights.


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