deliverancefromdebt.com http://www.deliverancefromdebt.com deliverancefromdebt.com en-us GaryNorth@deliverancefromdebt.com 73 Ways to Lower Your Debt Burden, Starting Today http://www.deliverancefromdebt.com/public/150.cfm There are many ways to skin a cat. Get started here. An Upper-Middle-Class British Couple Learn About Budgeting. Where Does It All Go? http://www.deliverancefromdebt.com/public/249.cfm Without budgeting, money slips through your fingers. We Began by Getting Rid of Stuff http://www.deliverancefromdebt.com/public/248.cfm A site member at GaryNorth.com describes his family's strategy. Cold Turkey for One Year: A "Won't Buy Anything Except Food and Make-Up" Family Spending P http://www.deliverancefromdebt.com/public/247.cfm It can be done. This family did it. Not one new item for the parents; only replacement clothes for the growing children. You're Not Alone, Says Survey. Six Out of Ten Workers Live Paycheck to Paycheck http://www.deliverancefromdebt.com/public/246.cfm "Normal is broke." -- Dave Ramsey. A lot of families are one paycheck from broke. Identifying Your #1 Goal in Life http://www.deliverancefromdebt.com/public/245.cfm Make it specific. If it's not specific, you will not be able to plan for it. Watch Those Bank Fees http://www.deliverancefromdebt.com/public/244.cfm Bank fees are a major source of bank revenue. Maje sure you don't make mistakes that will trigger them. How the New Credit Card Law Makes It Tougher for You If You Owe Money http://www.deliverancefromdebt.com/public/243.cfm The new law has backfired. Credit card companies are getting hard-nosed. Breaking the Credit Card Addiction Habit: Watch This Video http://www.deliverancefromdebt.com/public/240.cfm For addicts, begin here. The Recovering Debt Junkie's Mantra: "Do I Really Need to Buy This?" http://www.deliverancefromdebt.com/public/239.cfm Ask this question every time you are tempted to buy anything. Brown Bag, Home Brew: Immediate Savings http://www.deliverancefromdebt.com/members/235.cfm These two are obvious. Make the change tomorrow. It Takes 30 Consecutive Days to Change a Bad Habit to a Good One. You Have Bad Spending Habits. http://www.deliverancefromdebt.com/public/233.cfm This is a widely recognized fact of life. Implement it. The 72-Hour Deadline http://www.deliverancefromdebt.com/public/232.cfm If you delay implementation of anything by over 72 hours, the odds are against you. The Time-Money Trade-Off http://www.deliverancefromdebt.com/members/231.cfm Always count the economic value of your time. Save money or time. The Confirmation I Received in June of 1959 http://www.deliverancefromdebt.com/public/228.cfm It was something a fellow student said. Cutting Bread Costs from $45 to $15 Per Month http://www.deliverancefromdebt.com/public/225.cfm This is part of a family's plan to live on $900 a month. Changing Attitudes in Favor of Frugality Can Help You Make the Necessary Lifestyle Changes. http://www.deliverancefromdebt.com/members/223.cfm Americans are shifting their attitude regarding conspicuous consumption. "Do As I Say, and as I Do!" Parents Rein in Their Spending and Their Children's Spending http://www.deliverancefromdebt.com/public/222.cfm "Do as I say, not as I do" has never worked well with teenagers. A few parents are finally catching on. Find Out Your FICO Score http://www.deliverancefromdebt.com/public/189.cfm Your FICO score reveals how the credit-ratings agencies view your performance as a debtor. The lower the score, the more interest you will pay on loans. You will be turned down by some lenders. Ten Items That Nobody Needs, but Which Drain People's Budgets. http://www.deliverancefromdebt.com/members/188.cfm Little things add up. These sorts of expenses are unnecessary. People ought to eliminate them. But it is hard to break bad habits.