Light at the End of the Tunnel

Dealing with the burden of debt can be a crushing experience for anyone. The hopelessness, despair, and pain can feel more real than the debt itself. I know because I’ve been there—caught up in out-of-control credit card debt, which is the worst because of the ballooning interest rates and late fees. It can seem as though no matter how much money you make, you can never give enough to your creditors to see any progress. The more you pay, the less the debt goes down. Compound that by four, five, six, or more credit cards, and your situation can look hopeless. And let’s not forget there are living expenses that must be met: the rent or mortgage, utilities, food, the list goes on. On top of everything else, you might have a loved one (living with you or not) who wants you to pay for the things he or she desires. Last (but not least!) you may have children, and we all know how expensive they can be. Well, I have good news: there is light at the end of the tunnel. Just five steps can get you out of debt or at least help you manage your debt. That was all I wanted—to have some kind of control over my finances. I know this probably sounds too good to be true. Just five steps? Well, it is true. I didn’t say five easy steps. There will be some effort on your part, but it’s nothing you can’t do. Once you apply these steps you should start to feel the life, empowerment, and happiness you deserve come back to you. These are the steps: Step 1: Believe in Yourself Step 2: Get Organized Step 3: Call Your Creditors Step 4: Pay Yourself First Step 5: Open a Savings Account I want you to have a starting point from where you are now—financially, emotionally, and spiritually—so you can begin your journey to financial freedom.