Sunday, February 7, 2010

Ways To Dig Yourself Out of Debt

By Liz Pulliam Weston
MSN Money

Skip the excuses. The truth is that only you can control your financial destiny -- and you should start right now.

Many Americans are facing real financial crises: lost jobs, lost homes, lost retirement savings. Many others, though, are mired in financial messes completely of their own making. Despite relatively steady incomes, they:

Live paycheck to paycheck.
Carry credit card debt.
Neglect their credit records.
Fail to save anything for retirement.
Put off the financial fixes they need to make, even if that fix is bankruptcy.

Denial is not a financial plan. And neither is fear, confusion, a government bailout or a lottery ticket. Many people, perhaps believing themselves powerless or that the goal is too far away, simply give up. And in doing so, they give up control of their financial destinies.

If that sounds like you, now is the time to take action. It's not only possible -- it's incredibly doable. Let's make 2010 the year you dig yourself out of your money morass, the year you begin to call your own shots.

The process is simpler than you might think it is. Read the entire article.

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"Simplicity of living, if deliberately chosen, implies a compassionate approach to life. It means that we are choosing to live our daily lives with some degree of conscious appreciation of the condition of the rest of the world." Duane Elgin

"Do what is good with your own hands, so that you might earn something to give to the needy." Ephesians 4:28