If you want to live debt free - and who doesn't - read these amazingly simple secrets for a debt free life from people that have achieved it

1. Helpful Financial Information from National Debt Relief …
The Amazingly Simple
Secrets Of Debt-free
People
What do you think of when you think of
your debts? Do you think of them as a
huge boulder crushing you? Or maybe
they make you feel like you're sinking in
quicksand. Some people say that being
in debt is like being in jail and with very
little hope of parole. Regardless of how
you see your debts you would probably
love to get rid of them or at least cut
them down to a manageable size.
(Continued …)
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2. Helpful Financial Information from National Debt Relief …
The secrets of debt-free people are not very complicated and pretty easy to
implement. Of course, getting your debts under control paid off does take some
time and energy just like any worthwhile goal.
They live within their means
This might seem like a tired, old cliché but the first secret of debt-free people is
living within their means. When you do this you are creating debts that could
ultimately come back to haunt you. For that matter, you should actually live below
your means so you will have money to save, invest or put into an emergency
account. Most experts say your emergency savings account should be the
equivalent of six months of your living expenses. If it seems impossible for you to
do this at least shoot for three months worth. That way if you're in an automobile
accident, lose your job or suffer a medical emergency you will have money
available to pay for it and without running up new debt.
They pay more than the minimum payments on their credit cards
The credit card issuers love people who make only the minimum payments on
their cards. This means they can add more interest to your balance so you end
up paying paying interest on top of interest -- or compound interest. Plus you're
doing nothing to pay down your balance. Debt-free people realize this and
always make more than the minimum payments on their cards.
They understand there’s no magic wand
If you think that there's some way you can make your debts magically disappear
you are living in la-la land. There is no way to make debt go away by waving a
magic wand. Regardless of what some people want to believe there's not going
to be an executive order forgiving all student loan debt. Happy people that are
debt free take responsibility for their debts and pay them off, no matter what.
They treat loaning money as a no-no
Of course you want to help a friend or relative who’s in need. However, take a tip
from happy, debt-free people and don't do it. If you constantly loan money to
friends and family members all you’re doing is enabling them and helping them
develop bad money management habits. Let them learn how to better manage
money by allowing them to help themselves. When you loan friends and family
members money you're also running the risk of losing a friend or alienating a
family member if problems about repayment arise.

3. Helpful Financial Information from National Debt Relief …
They focus on the right things
Do you believe in the law of attraction that what you think you'll attract? Many
spiritual advisors believe that when you focus on something you will attract more
of it. This means if you focus on your debts you're likely to attract more of them.
But if you focus instead on abundance and prosperity, you’re likely to attract
more of this.
They don't try to keep up with the Joneses
If you want to be a happy, debt-free person you'll stop trying to keep up with your
neighbors and their newest cars, big screen TVs, in-ground pools or pool tables.
Debt-free people don't try to either keep up with the Joneses or impress the
people around them. On the other hand if you feel you need to keep up
appearances or get one up on your peer group, you'll only increase your debt
and your stress.
They pay with cash whenever they can
When you pay cash for something this eliminates the possibility of going into
credit card debt. This relieves you of the stress of figuring out how to pay your
credit card bills every month. The harsh fact is that people who use their credit
cards frequently end up incurring more debt and digging themselves deeper into
a financial hole.
They know investments are important
One of the best ways if not the best way to increase your personal finances is by
investing. If you're uncertain about how to invest you might want to get a financial
advisor that can help you create a college fund or grow your retirement savings.
However, you could probably handle your own investments by choosing index
funds, which consist of a portfolio designed to match or track the components of
a market index like the S&P 500. These are typically low-cost funds that offer
very little risk. On the other hand, if you don't invest to help your kids pay for
college you may find that by the time you finish helping them you won't have
enough money to live on when you retire.
They save a set amount of money every month
Happy, debt-free people always save a certain amount of money every month.
They often have it direct deposited into a separate savings account. This extra
cash is then available for a splurge like a vacation or in case of an emergency.
The harsh fact is that if you don't put aside some money every month, you might
not be able to pay for an unexpected expense.

4. Helpful Financial Information from National Debt Relief …
They surround themselves with other people that are successful
Happy successful people generally surround themselves with other people that
are successful. They have learned and grown by listening and watching other
people that have created multi-million-dollar businesses. Or in the corporate
world, they associate with people that have successfully climbed the ladder and
now make the major decisions. One very wise person once said that you are the
average of the five people with whom you spend the most time. That said, if the
people around you are in debt you're probably in debt, too.
They study personal finances
If you want to be like debt-free people, you need to educate yourself about
personal finances. These people read magazines, newspapers and books. They
also take courses and classes. Most watch financial programs and listen to
financial programs on the radio. The sad fact is that people that are in debt rarely
are interested in learning about personal finances.
The key to being debt free
Even happy, debt-free people haven't always been debt-free. None of us are
perfect. Everyone has had a problem with debt at one time or another. The key
here is to recognize your bad money habits and replace them with good ones.
This is why debt-free people are usually happier than most others. They have
learned all they can about personal finances and don't allow money to control
their lives. When they do slip and fall back into debt, they simply pick themselves
up, dust themselves off and tackle their finances again.
.

5. Helpful Financial Information from National Debt Relief …
Does this sound familiar?
• You are tired of worrying about money…
• You are losing sleep due to mounting
credit card debt…
• You are fighting with your partner about
the bills…
• You are living paycheck to paycheck…
• You are falling behind on your debts…
• You are losing hope…
It’s time to talk with National Debt Relief!
Call Toll Free 1-888-703-4948 Now!
Or Go To
http://www.nationaldebtrelief.com/apply/?
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