From a nightmare to a lightbulb!

I woke up in a pool of sweat, my heart was pounding and my pulse was racing, it wasn’t a nightmare full of creepy crawlies, it was the fear of losing everything I owned due to the debt I managed to incur over the last decade.

It wasn’t always that way, there was a time I had no debts at all, I had no fears, and I had a savings account!! It wasn’t a lot, but it was mine. That felt like a lifetime ago, the nightmare had me so worried I thought there was no way I could get out of debt, I couldn’t even admit to myself how much I had spent. I just knew it was a lot, because when the credit card bills rolled in they outweighed my paycheck and I wasn’t even living from paycheck to paycheck, it was more like paycheck to anything I could sell in the meantime, it got me by, but it was a worrisome lifestyle.

 I finally decided enough was enough when my boss and I were chatting over a lunch I couldn’t afford and she said to me, I wish I could put the $500 into my savings account each month instead of mailing it to the credit card company.

LIGHTBULB!!

I hadn’t thought about that, $500 was a lot of money! If I could put that in my account every month I could actually consider retirement. Okay I wasn’t going to Maui on a yacht, but I would be able to travel and live the lifestyle on the road I wanted to live.

But how? How do you pay off all that debt?

That’s what I want to share with you, I listened to money gurus, read book after book, I practiced and won and practiced and failed, and I have some awesome news to share with you, it doesn’t matter if you are in as much debt as I was, or less or more. It doesn’t matter how young or old you are. You want to know the best part, you can start today, and you only need a piece of paper and a pencil.

I am not selling fancy gimmicks. I am not a millionaire, and I am not even telling you anything new, the truth is I am taking all the pieces of the things I read and putting them together, to help you with your debt and your retirement. Hey maybe you don’t want to retire, but let me ask you one thing.

If you had all the money you give to your debtors in your hands right now, what would you do with it and how far could you make it go?