Freedom From Debt

Filing the Bankruptcy petition

Do you lie awake at night wondering how you will pay the mortgage or rent?

Do you worry about telling your spouse how bad things are financially?

Do you worry about telling your children that you will have to move because of your debt?

It doesn't have to be that way. Check out our free report on how to eliminate your debt here.....https://jbenson.clickfunnels.com/optinmd3j6xgl

What is your greatest financial fear right now?

Want to save some money?
1. use cash for daily expenses. It's too easy to use credit cards and you spend more by using them plus add on additional interest.
2. Clear your cookies. Companies use dynamic pricing based on your online shopping history.
3. Skip the coffee shop. You can save up to $100 a month by brewing your own coffee.
4. Cut up your credit cards. They will only lead you to overspending and living above your means.
5. Make a grocery list. You will spend more based on shopping per your stomach and whims then you will with a list. Stop impulse purchases.

Want to save some money? Buy in bulk. Wholefood stores like BJ's, Sam's Club and Costco allow you to buy food in bulk and save ton's of money. If your going to the store every day you will buy things on whims and spend more. Buying in bulk gets you a lower per unit price and keeps you from making impulse purchases. Buy in bulk, save the money and use your savings to pay down your debt!

Want to save some money? Wash and maintain your car. Washing your car at home instead of paying $10 at the Carwash will save a lot of money over the spring, summer and fall. Keeping your tires inflated to the proper pressure levels costs $.25 and will save on gas.

https://www.npr.org/2022/03/18/1087272336/americans-will-feel-the-impact-as-fed-raises-rates-heres-what-you-should-know?utm_source=facebook.com&utm_term=nprnews&utm_medium=social&utm_campaign=npr

Americans will feel the impact as Fed raises rates. Here's what you should know It's getting more expensive to borrow money, with rates on mortgages, car loans and credit cards heading higher. Here's where you're likely to feel the impact and what you can do about it.

Want to get out of debt? Don't buy a new car. It loses a good amount of value as soon as you drive it off the lot. Let someone else take that hit. Buy used. The price is lower and the asset has already been substantially depreciated. This keeps your monthly vehicle expense much lower.

Ways to save gas expense:
1. Use apps to find the cheapest prices
2. Join fuel rewards club
3. use cash back credit card
4. DON'T BUY PREMIUM GAS
5. Carpool
6. Don't make needless trips. Plan your trips out in advance
7. drive at 55 mph or under
8. make sure your tires are inflated to the proper tire pressures
9. Fill up early in the week
10 accelerate slowly and coast more.

One of the easiest ways to reduce your debt is to pay your bills in full and on time. Many people wait to the last second to pay their bills. If your payment arrives late you will usually pay a higher amount or have interest tacked on. This just puts you further behind. Pay your bills as soon as the bill comes in to reduce additional costs.

Getting out of debt requires new thinking to break old habits. Start with a budget. This will help you understand and control your spending.

When it comes to finances, you and your significant other need to be on the same page. If one of you spends a lot and the other saves a lot, you will never find financial success.