Transforming Debt Into Wealth Getting Out Of Debt

I personally have felt the pain that debt can have on your life, it is a feeling like you have lost all control. It's very depressing and you feel helpless. I am not going to stand on a soap box and tell you that your a bad person cause you let yourself get into this predicament. I remember exactly when I first learned about credit, I was about 18 years old. At the time my car only came with a cassette player (I'm not that old) but I wanted one of those new fancy CD players. So I was down visiting my local television and appliance store where I lived and had my eyes on a particular model. Well at that time the stereo was well out of the reach of a 18 year old's income, I was just barley putting gas in my car. But the salesman seized the opportunity and told me how they had a credit plan I could apply for. Well that was my first taste of credit, well 10 years later I woke up and found myself in over my eyeballs in debt. I was on the verge of filing bankruptcy because it was that bad ($45k). My breaking point was when I was digging through the spare change jar just to get myself something to eat and payday was over a week away.

Then so happened, one day when I was talking to a good friend of mine named Cindy. I always thought Cindy had her act together when it came to money. She always had enough, dressed very nice and didn't stress over it like I did. We somehow got on the topic of debt and money, probably because it was always on my mind and it had a tendency to slip out. She was very excited to share with me her own personal story about how she too struggled with money. She told me was how she was able to reverse her situation, dig herself out of a mountain of debt in a very short period of time. Then there was something she said that knocked my socks off, she said that she was going to have all credit cards, her car and house paid off in just under 10 years. Update: As of today she only has 5 more years to go, yes she is that determined.

At first I didn't believe her, but then I was curious, so of course I wanted to know what she was doing. So she explained everything to me, about how she maintains a spreadsheet that tracks all of her debt in one place. But what she told me that what really helped her out was this course she found. She listened to it several times, and it helped her understand why she got into the mess she was in in the first place. But what was very powerful about this debt elimination system was how it didn't take much money to get started with. In fact I got started with only $100 extra a month that I freed out of my budget. The course she referred me to was called Transforming Debt Into Wealth Program.

What is significant about this program is the acceleration effect of the system. All you have to do is provide a small amount of money into your budget like I did. I whole heartily recommend this program, based on my own debt reduction spreadsheet I will be totally debt free in just 8.5 years, yes that includes paying off my mortgage.

Do you want a copy of the exact same Spreadsheet we used?
This doesn't come with the course, I just took Cindi's original spreadsheet, added what I learned from the course, made sure all the calculations were correct. So all you have to do is fill in your own info and see how soon you will be totally debt free. What is nice about this spreadsheet is you can model different scenarios to see what is comfortable for you and your family.

Click Here To Get Your Own Copy Of The Time Saving Spreadsheet I used.

-------------------------------------------------