Everybody dreams of having no debt such as having there house, car, and credit card paid off. Know that this dream ca become a reality will some effort on your part you can reduce the debt you have and get to a point were you live your life without debt.
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Sometimes it is hard to be debt free because we like to purchase things and if we do not have the cash to pay for them then we usually pull out the credit card and charge them. The problem is when we get into a bad situation like we have to much debt and we can not afford even the monthly payment any more.
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One of the simple ways you can start on the road to being debt free is you need to first write down what you spend money on each day. Makes sure that you include all the trips to Starbucks and jamba juice. Next you need to take a look at these extra and decide which ones you can do without or reduce, for example if you love to go to the coffee store everyday maybe there is a cheaper alternative that will satisfy you in the same way.
If you have so much debt you need help now then maybe you need to consider getting a consolidation loan that will help you get your monthly payment lowered.
Most importantly you want to get the help form a professional that has the experience that you need to get to he point were you are financially free.
