Pay Down Debt, Plan for Success

Financial adviser offers tips to build wealth, pursue dreams

well or have a unique expertise in?

What products/services do I buy, frequently use, and am most interested in?

How would I like to spend my time – making something, selling something, etc.?

What areas have I invested in in the past that were profitable or successful?

How much of my personal funds am I willing to risk? Wherever these lines cross, this is the area that you should be focused on seeking opportunity.

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  • Carl E. Carey

    I found this post very helpful. It gave me a place to start, something to think about. I’m a little older (42) and should have my things in order but the truth of the matter is, I’m just not organized enough. I make decent money but still have nothing to show for it. It come in and goes out. I even went as far as dating women I thought were good with money but found they were good with there money but not with mine. At anyrate, I’m going to subcribe to your magazine with hopes of getting more information to get me on track.
    Thanks, Carl

  • Diane

    I’m in the same situation as Carl. Do you think that Debt Settlement would help if you are overwhelmed with Credit Card payments and doctor bills?

  • Joanna

    How do you start to reduce debt when your net income in less than you monthly expenses?

  • markeith mitchell

    I’am running a small Trucking company.With the way the economy going its hard to save and pay the bills. What are some way to stay above water,I cannot make money to pay other and myself. I need some help.

  • Lamar M

    I’m a 37 y/o male with pretty much the same issues. My income to debit dosen’t allow me much leway in regards to being able to save. I have 2 car notes and a mortgage to flip every month. Any advice, please I’m all ears,,,

  • Alexis M

    I kind of have not much debt compare to must people/ but i want to start now i,m still young and i have time to get back in track financially. my total debts are no more than $3800 dollars and i have a $4500 net income but its just hard for me to save money , i just started putting away 10% of my income , and plan to get 401k . anybody has a good sugestion?

    by the way i,m 33 !

  • Pamela Cartwright

    About 2-3 years ago I was debt free.
    I am single parent, divorcee, 12 yr old and 23 yr old graduate from college past May.
    I have 2 credit cards I want to get rid off, pay off. There are other debts. I read your info and resolutions, some of which I have incorporated in my plan to pay down debt but extremely difficult. I am now 53. Trying to restablish good credit and would like to buy a home. Because of my age, is it legal that any banking institution or mortgage lender could deny me credit?

    Please advise.

    Thank you,


  • Tiarra Jackson

    I am a 24 year old college graduate who’s goal is to become financially savy in 2009! I have many medical bills, my student loans, and some credit cards, however those accounts have been closed but is counted as negative accounts on my report. As of now, I have a low credit score, but I want to buy my first home soon. What are the first steps that I should take to achieve financial stability?

  • Lynn

    I had a lot of debt, now I’m down to two credit cards (CC). As it stated in the steps above. I paid myself first and not even as much as 5% while still paying min.on CC. I’d tuck away $20. which is not much, but I was able to save $1,000. That started my emergency fund. I added more money to that amount until (1,500) I felt comfortable to tansfer $1,000 to my CC. Leaving w/$500 to continue to add on. Just take small steps. You will get there. I hope this helps.

  • clayton

    Years ago I opened a store credit card to establish a credit history. Being new to me I maxed it out. Holiday time, girlfriend, and family you know. It took a number of months but I paid it off. Being acquired by Chase I updated my mailing preferences. No solicitation, no third party, etc. With a zero balance I recieved no mailings. I inquired by phone Jan 09 and to my surprise zero balance and a closed account. Apr 07 was the last activity. Are credit card issuers responsible for a mailed notice of cancelation? I had no payment due,no solicitations, no activity, and now no card. I was told by the supervisor they could not re open the account. “i could always re-apply” and “the way the account was closed will not affect my credit.” No thanks I’m considering closing my Washington Mutual Chase accounts and going to a credit union.

  • It seems like something is missing, no?

  • I learned a lot good points from this piece and will definitely save it in my favoritse. Thanks for the effort you took to explain this subject so deeply. I look forward to future posts.

  • James

    Hello everyone,s
    My name is Mr James David i live in Texas USA nd i am talking as the happiest person in the whole wide world today and i told my self that any lender that rescue my family from our poor situation, i will tell the name to the whole wild world and i am so happy to say that my family is back for good because i was in need a loan of $ 85,000 USD to start my life all over as i am a single father with 2kids and the whole world seemed like it was hanging on me until i met the GOD sent loan lender that changed my life and that of my family, a GOD fearing lender, Mrs Mary Smart , She was the Savior GOD sent to rescue my family and at first i thought it was not going to be possible until i received my loan of $ 125,000 USD , i will advise any one who is in genuine need of a loan to contact Mrs Mrs Mary Smart ,via email because She is the most understanding and kind hearten lender.

    Mr James David

    Testimony on how i got my loan