Three years ago I was $30,000 in debt. I was making $35,000/year. Today (Oct. 2013), I am debt-free. I paid off all of that debt by changing how I looked at debt, by making the hard choices, and by doing “whatever it took” to get out of debt. I don’t work in the financial or lending field. The only reason I have put my thoughts into writing is to try to help other people. I am 36 years old. This is my story.
Three years ago I was $30,000 in debt.
I had $15,000 in consumer debt (credit cards and an auto loan), and I owed $15,000 to my mom. I felt like I was swimming in an ocean of debt with no sign of the shore.
My income as a real estate agent was around $35,000/ year. Scary, huh?
I got myself into this trouble the way most people get themselves into financial trouble…poor decisions based upon taking the easy, instant gratification, tons of justifications path.
Today, I am debt free except for my mortgage, which I consider “good” debt.
I’m going to tell you how I got out of debt. These ideas are a bit difficult to put into writing, but if you read this article carefully, my experiences and suggestions may help you to achieve the debt-free life you dream of.
What has worked for me can work for you if you are willing to follow a more difficult life path than you are on right now. The choices I made, so that I could get out of debt, only worked for me because I was willing to do “whatever it took” to get out of debt. This “whatever it takes” philosophy was very important to my success, and will also be very important to your success.
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