e-book Quick Guide to How I Became Debt Free

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I also have another money saving tip that some people might find helpful. Skip the cleaning supplies and just buy white vinegar. I only buy vinegar and castile soap, it saves hundreds a year. Seeing that I'm doing things right before I even read this. I was a single mom and almost had all my debts cleared but after a failed business for a few years and living off credit cards and no earning. I'm back at square one. Worse off all my husband made such poor decisions with cars, business and personal spending, it left me hopeless. We got kids, house and lots of bills.

Earning slow and spending fast, it's Frustrating! Where do we go from here??? Hi Shannon, Treading water isn't fun. If you're doing the best you can on your own and aren't getting anywhere, it may make sense for you to sit down with one of our Credit Counsellors and see if they have any suggestions on how you can move forward. It may be that you're doing everything that can be done, but if they can share some insights or come up with some ideas that may help you, the visit could be well worth your time.

There's no cost to speak with any of our Counsellors, and they can even help you over the phone if you prefer. Great advice I have been out of work since September I'm about to become homeless. I have applied to about jobs in that time. I have an abundance of experience, education, training IT and GIS , and have had recruiters and employers alike all tell me that my credentials and resume are impeccable. So why can I not find a job?

Let's first solve the one job problem before we tackle a second income to pay off debt. I have asked for feedback from recruiters dozens of times I either get the same response as above, or simply nothing at all. We would encourage you to look into your local employment centre for support around finding work. I have 14, on a credit line and left on the mortgage. We will be getting 14, soon and wondered if we should put the money to pay off the credit line or pay down the mortgage.

What do u think? Hi Anne Marie, It all depends on your financial situation. Here are some things to consider: 1 Which debt has the highest interest rate? You'll probably save the most money if you pay down the debt with the highest interest first.

If not, consider putting some of the new money aside as savings, or pay down the line of credit enough to give you room to handle any emergencies like vehicle or home repairs that may arise. If having better credit will get you a better interest rate on your mortgage, then this would be an important consideration. You may also benefit from sitting down with a good financial planner. They can look at your whole financial picture, give you the best guidance for this decision, and help you create a clear road map so you can achieve your long-term financial goals. As a manager at my job, I hear people complaing every year at raise time.

I was guilty of this at one time as well. I finally realized complaining wasn't helping so I decided to take a look at my finances. After checking website after website, I decided my first step was to track my spending.

12 of the Fastest & Most Effective Ways to Get Out of Debt & Pay Down Debt

Instant raise. We need to see how were spending our money and how to get our money to work for us. I had a line of credit 5. Throw out those weekly flyers, you will only find things that you don't need. Sure, when you want something, then look around when your ready to buy. I have 2 children that I had played competitive soccer and we travelled lots.

Pack a lunch, it is better for you and them, as well as your wallet. Join you local buyers club, save on groceries. There is my rant. Very good advice Ron. You've got a great perspective. With a little work, most people can find at least one way to give themselves a raise. Tracking spending like you did is typically one of the best places to look.

Excellent article! I really support tips 3 and 4. Pay off the most important debts and expensive ones first. There is no need to hold back or wait around to pay off those debts.

1. Stop the bleeding

There is no need to buy or lease an expensive car right away. Get a used car, it will help you out in the long run. I was a gambling addict and once was burried in alot of debt. It only took me 2 years to clear all of it. Very easy but you need focus determination and a sound mind.

2. Spend Less Than You Plan to Spend

Invest in a decent budgeting software and use it. Sell off old stuff for extra cash and use it as a capital to start your own small business. It can be manythings, look for cheap deals online or your local website newspaper garage sale etc, buy fix and resell or just buy and resell on ebay or craigslist or kijiji.

Then look for part time job like 15hrs a week that works with your schedule. Anything from bagging groceries etc. Instead buy cheaper groceries and make your own fancy dish. Be smart.


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Eliminate friends family or anyone that you feel will not show support or want you to go out etc. If you have kids do groceries take them on picnics etc. Like i said eliminate all going out or anyone linked with going out that will cost you money.

How to get out of debt: A step-by-step guide

If you spend your money on fancy things. Sell those fancy things for cheap it will hurt but will teach you a lesson. No debt is unpayable. You just need to be smart. Money is all around to make. Its just paper man created to get rich. Dont waste your life behind it. Debt is something everyone will have in their lifetime. Its the nature of us but there are so many ways to come out of it. You have to have confidence self esteem and determination if you want to come out of it.

How to Get Out of Debt in 7 Steps - Clark Howard

I once was in a dark hole but I learned all of these the hard way until i realized this is bullshit im not wasting my life moping around. Do something about it. Ppl here whining about not having a job its bullshit.

I worked all kinds of job you name it ive done it. Garbage collector, poop scraper, gutter cleaner just to get started and it helped. Dear anyone outhere who can help me, i dont know what else i can do.