Student Loan Debt


thereas cdYou fill in the blank..
This is this prime of my life. I’m young, hot and full of ________
Did you fill in that blank with Crippling Debt? If you did your not alone. Student loan debt is out of control.

Going onto college to further your education has become increasingly expensive. After about 4 years you may get that college degree but you also have gotten yourself into overwhelming debt. According to a government data analysis by financial aid experts at Edvisors, the class of 2014 graduated with an average student loan debt of $33,000.

Now you set off to look for a job……Fresh out of school you may not get that $100,000 a year job right off the bat, you may have to settle for a bit less… maybe a lot less….. Trying to juggle paying rent, phone, utilities and all of the rest of the bills that go along with being on your own can add up quickly… and there is the addition of paying back that student loan….YIKES…..

You may indeed be in the prime of your life. You maybe young and hot but you also maybe one of the many who also have crippling debt. The next step you should be taking is focusing o getting out of debt, and the sooner the better.

If you admit you have a problem and have a plan and agree to stick to it…. you have come a long way in getting out of debt.

Dr. Tom Watson, the author of “The Great American Debt Opportunity: Turn Your Debt Into Wealth”, has translated his invaluable lessons into a library of 16 online courses called “Target Debt Free“. Each lesson includes an instructional video and printable worksheet to show you how to eliminate your debt and create financial independence. “Target Debt Free” is an excellent debt advice program from one of America’s top debt experts. Dr. Watson offers real debt solutions, not just debt consolidation.
You can check it out here.
http://tinyurl.com/kofysak


The Weight of Your Debt

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How much debt are you under? Do you feel as though a weight is coming down upon you? That weight is above you holding you down….sending you a sinking feeling that no matter what you do your never quite able to get your head above water. If your in debt…that is a natural feeling….

One of the leading causes of stress is being in debt. Being in debt causes a ripple effect.. one thing leads to the other. When you are under stress your health suffers, your marriage and family life suffers. When your in debt it is like your entire world is coming down around you.

Having a good support system in place is one of the things that can help you when your in debt. That can be easier said than done. Talking about your debt problem is considered a taboo subject in many cases. Even talking to your spouse about the debt problem is often not discussed. It is like the elephant in the room.. you know it is there but ignoring it seems like an easier solution than talking about it.

Is there an elephant in your room? That elephant takes up a lot of space. If your trying to ignore that elephant in the room.. I am certain that causes you a great deal of stress.  Wouldn’t it be easier to have a plan to not only get that elephant out of the room but also get that weight of debt off your shoulders?Elephant 79

If you admit you have a problem and have a plan and agree to stick to it…. you have come a long way in getting yourself out of debt.

Dr. Tom Watson, the author of “The Great American Debt Opportunity: Turn Your Debt Into Wealth”, has translated his invaluable lessons into a library of 16 online courses called “Target Debt Free”. Each lesson includes an instructional video and printable worksheet to show you how to eliminate your debt and create financial independence. “Target Debt Free” is an excellent debt advice program from one of America’s top debt experts. Dr. Watson offers real debt solutions, not just debt consolidation.
You can check it out here.
http://tinyurl.com/kofysak

Slay That Dragon Called Debt!

Dragonslayer 01

I recently posted an article about overwhelming debt in a social site that I have belonged to for many years. While working on line for almost 10 years I have encountered many people that have gone very far into debt trying to make money online.

The truth is making money online is not easy… if it were easy we would all be rich. Most of the people who work online have never made a dime…. not one thin dime.. yet they keep trying. Many keep thinking that if only they would be able to find the right program… many listen to their so called mentors in the hopes that they will indeed make that $10,000.00 by Friday and it is only Monday. Many do that kangaroo dance of hopping from one program to the next….

In the comment section of that post a gentleman that I have known for many years posted that he was glad that I wrote about that particular topic because so many people are drowning in overwhelming debt. He added that he was proud to be able to say that he had slayed the dragon called debt many years ago.

Defeating that dragon of debt makes everything more manageable. Not only are you able to breath a bit easier… your actually able to do some of the things that you were never able to do while you were drowning in overwhelming debt.

Are you ready to defeat the dragon called debt?….

Many people are surrounded by overwhelming debt. They feel as though they are drowning…. with no way to get out. There are many ways that people get into debt….loss of income, student loan debt, medical emergency debt.. just to name a few. Many get into debt simply by over spending and not thinking about the consequences.

Whatever the reason that people find themselves in overwhelming debt most feel trapped and helpless… that sinking feeling. That type of stress or feeling also leads to health issues. Debt cause a ripple effect.. one thing leads to another. That dragon just keeps getting bigger and bigger.

In order to slay that dragon called debt you need to do things differently that what you have been doing. You need a plan of attack. If you admit you have a problem and have a plan and agree to stick to it…. you have come a long way in getting out of debt.

Dr. Tom Watson, the author of “The Great American Debt Opportunity: Turn Your Debt Into Wealth”, has translated his invaluable lessons into a library of 16 online courses called “Target Debt Free“. Each lesson includes an instructional video and printable worksheet to show you how to eliminate your debt and create financial independence. “Target Debt Free” is an excellent debt advice program from one of America’s top debt experts. Dr. Watson offers real debt solutions, not just debt consolidation.
You can check it out here.
http://tinyurl.com/kofysak

Money is the Number 1 Cause of Stress in America

debt3This just in…. According to a survey conducted by Harris Poll for the American Psychological Association  MONEY is the number 1 cause of STRESS in America!…. Money has been the top stressor since the APA started conducting its annual survey in 2007.
But….I bet most of knew knew that.. especially if you are like most people and are surrounded by overwhelming debt.

Take a look at the results of the survey:
1. Financial worries: 64 percent
2. Work: 60 percent
3. Family responsibilities: 47 percent
4. Health concerns: 46 percent

Worries about money effects people in many ways. Worry and stress can take a real toll on your health. Fighting, scrabbling and bickering over money has led to many divorces. Money troubles not only effect people with low income….. it can effect anyone no matter what their income level.

A couple who seem to have everything going for them suddenly has health issues or perhaps one gets their full time job reduced to only working part time…. if that was where the health care benefit came from there will now be the additional cost of buying their own health care… just one example of how quickly things can change.

One of the best ways to handle money stress is to get emotional support. That may be easier said than done. It seems that talking about money trouble is a real taboo subject to most people.

If your suffering from overwhelming debt as a lot of people are the best thing that you can do is to get that debt situation under control. Take charge of your money troubles and it is best to start NOW rather than putting it off till a later date.. that will only make it worse.

The first step to getting control of your finances is to admit that you have a problem. The second step is to get a plan to get your situation under control… It may have been easy to get into debt… and it probably took some time to get there… I will be the first to tell you right now that it won’t be easy getting out of debt.. and it will indeed take time. Please don’t let that deter you from taking action….. the rewards for getting your overwhelming debt under control will be numerous…. starting with your health.

If you admit you have a problem and have a plan and agree to stick to it…. you have come a long way in getting out of debt.

Dr. Tom Watson, the author of “The Great American Debt Opportunity: Turn Your Debt Into Wealth”, has translated his invaluable lessons into a library of 16 online courses called “Target Debt Free“. Each lesson includes an instructional video and printable worksheet to show you how to eliminate your debt and create financial independence. “Target Debt Free” is an excellent debt advice program from one of America’s top debt experts. Dr. Watson offers real debt solutions, not just debt consolidation.
You can check it out here.
http://tinyurl.com/kofysak

Debt? Who cares?…Target Debt Free Show

Dr. Tom Watson is one of America’s top debt experts… He offers input on being in debt and who cares…..Dr. Watson offers an 16 part course called Target Debt Free that shows you step by step how to get out of debt. Dr. Watson offers real debt solutions, not just debt consolidation. Eliminating your debt and creating financial independence is Dr. Watson’s personal mission for all who find themselves with overwhelming debt
Target Debt Free

Click link below to listen to another question answered by Dr. Tom Watson
http://kidsandgoalsetting.com/how-to-budget-the-right-way-target-debt-free-show/

How to Budget the Right Way…Target Debt Free Show

Dr. Tom Watson answers another question about about how to be debt free and build wealth…”How to Budget the Right Way”.
Dr. Watson offers a 16 part online course to help you get out of debt… Target Debt Free…The course will teach you how to eliminate your debt and create financial independence. This course is from one of America’s top debt experts, Dr. Watson created it to help you get out of debt.
Target Debt Free offers real debt solutions, not just debt consolidation.

Click below for another episode from Dr. Watson’s Target Debt Free Show

http://kidsandgoalsetting.com/how-to-get-ahead-target-debt-free-show/

How to Get Ahead…Target Debt Free Show

Dr. Tom Watson answers a question about “How to get ahead”.
Dr. Watson has a new online course that teaches you how to be debt free and build wealth. Eliminate your debt and create financial independence. Target Debt Free is an excellent debt advice plan from one of America’s top debt experts, offering real debt solutions, not just debt consolidation.
Target Debt Free

Listen to another episode from Dr. Tom Watson.
http://kidsandgoalsetting.com/debt-who-cares-target-debt-free-show/
Target Debt Free

Target Debt Free is an Online Course For You To Get Out Of Debt

Laptop Computer 02

Are YOU in Debt…? Many people are….Target Debt Free is a program designed to help you get out of debt. This online course is a series of 16 trainings that teaches you how to eliminate personal debt, save money, and spend smarter. Each course offers an instructional video and printable worksheet to help you become financially free.

These are the titles of the online courses
Lesson 1 – Introduction
Lesson 2 – Determining Your Financial Well-Being Score
Lesson 3 – Calculating Your Financial Freedom Date
Lesson 4 – Moving From A Consumer Mindset To A Wealth Builder Mindset
Lesson 5 – Debt Elimination Strategy Part 1
Lesson 6 – Debt Elimination Strategy Part 2
Lesson 7 – Making It Work For You: Finding Your Escalator
Lesson 8 – Finding More Money For Your Escalator By Using A Reverse Budget
Lesson 9 – How To Spend Smarter: Finding More Money For Your Escalator
Lesson 10 – How To Recognize A Need And A Want
Lesson 11 – Seize Your Savings
Lesson 12 – What To Do When Life Happens
Lesson 13 – The Truth About Credit Cards
Lesson 14 – The Great Mortgage Myth
Lesson 15 – The Wealth Formula: The Key To Achieving True Financial Freedom
Lesson 16 – Your Final Lesson: Into The Future

You can check it out here.
http://tinyurl.com/kofysak

Getting out of debt it like quitting smoking.

Quitting Smoking 02  How much debt do you have….? If your in debt you are not alone. Many people are surrounded by overwhelming debt. People get into debt in many different way…over use of  credit cards, medical emergency, loss of a job, student loan debt the list goes on.

It does not matter how you got into debt I am sure you know you should be finding a way to get out of debt.

Debt is perhaps the number 1 cause of divorce.. each one blaming the other for being in the debt mess… the time to stop playing the blame game is over… after all blaming each other does not help you get out of debt…… You each need to admit there is a problem and then work together to find a way out. If only 1 of the couple is committed to getting out of debt the chance of a successful recovery from to much debt is not very good. Both have to work together to get out of debt. Think if this as a team effort.

Getting into debt was easy… getting out of debt will not be as easy..but the rewards will be worth it once you are out of debt.

The first step to getting free from overwhelming debt is admitting there is a problem.. the second step is to have a plan to get out of debt…And the third step is to stick to that plan….

Getting out of debt is like quitting smoking…People have a much better success rate of quiting smoking if they really really want to quit… actually committing to the STOP SMOKING plan. I know how hard it is to quit smoking. But I made up my mind that this was it… I was NOT going to smoke another cigarette EVER.. and I didn’t. Was it tough? You bet… it was probably one of the hardest things I have ever done in my life .. was it worth it? You bet.

Committing to getting out of debt is the first step… getting a plan and sticking to it is the next step.. will it be easy NO of course not…. But just think of the rewards that will come later when you are OUT OF DEBT!

Target Debt Free is a program designed to help you get out of debt. This course is a series of online training that teaches how to eliminate personal debt, save money, and spend smarter. Dr. Tom Watson, the author of The Great American Debt Opportunity: Turn Your Debt Into Wealth, has translated these invaluable lessons into a library of 16 online courses, each including an instructional video and printable worksheet to help you become financially free.
You can check it out here.
http://tinyurl.com/kofysak

Save it rather than spend it…..Target Debt Free

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Do you have a piggy bank? Is there anything in it…? or did you have to crack it open to pay your bills? There are 2 kinds of people…some people just never seem to have enough money to pay their bills… then there are some people that not only have the money to pay their bills but they also have enough left over to put in their piggy bank….

I bet I know which of those 2 kinds of people you would rather be…..
The one who has money left over to put in their piggy bank and SAVE.

People get into money trouble in many different ways. Most people got into debt by using their credit cards like a bank.. Never planning far enough ahead to think how the LOANED money will be paid back to the credit card company.

I think you will find that people who are surrounded in over whelming debt get offers in the mail to apply for a NEW credit cards more than people who are not in such a state of debt…. I am not going to blame the credit card companies for people being in debt.. People have to stand up and take responsibility for their own actions. The credit card industry is a business….. the more people that are in debt the more money they will make… it is just that simple.

The credit card companies didn’t force anyone to charge things… Things that maybe were not really needed…. Things that could of been put off buying until the cash was saved to buy it outright..  that silly little thing called instant gratification took over.

Being able to admit that there is a debt problem is the first step to getting out of debt. The next step is to have a plan to get out of debt and to follow that plan. Starting with good intentions won’t get the job done. Having a clear plan laid out in front so your able to follow is the way to get out of debt.

Target Debt Free is a program designed to help you get out of debt.  Target Debt Free is a series of online training that teaches how to eliminate personal debt, save money, and spend smarter. Dr. Tom Watson, the author of The Great American Debt Opportunity: Turn Your Debt Into Wealth, has translated these invaluable lessons into a library of 16 online courses, each including an instructional video and printable worksheet to help you become financially free.
You can check it out here.
http://tinyurl.com/kofysak