Follow Me Out of Debt | Get out of debt and get into prosperity!

Just as things start to get a little desparate, you'll notice the debt predators creeping out of the woodwork. You'll walk out to the mailbox or check your e-mail, and you'll see these various companies and other entities vying for your attention in order to explain to you how they can save you from your past financial mistakes.

I will admit, some of these organizations come up with some pretty creative offers. The marketing machine behind these offers is one that will have you thinking that your problems have been finally solved as long as you respond to the offer or call the toll-free number to talk to one of their highly-trained salespeople.

I highly advise you to put on the brakes immediately. You'll want to do your research first, and if you see even one bad review out there regarding one of these companies, be sure to proceed with caution. You may not see many reviews at all, and if that's the case, that may be worse since this entity may not have been able to show their true colors just yet.

When it comes to getting out of debt, the plan is simple but the work is hard. The journey is long but the rewards are great. You have to have a strong work ethic, and you have to be ready for the incredible challenge ahead. You have to be focused and ready to take on what might just be your greatest battle ever fought, but rest assured, your diligence and perseverance will pay off. God bless.

We've all been in a bad relationship at least once in our lives. We've all been in a situation where our best move was to end the relationship to benefit either ourselves or both people involved. Breaking up isn't easy to do, either. There are the memories, the leftover feelings, and the time invested in the relationship. None of these things are easy to simply chuck out the window.

With that said, this isn't a podcast about love and relationships. It's a podcast about personal finance. It's not romantic and it's not what tear-jerker movies are made out of, but it does share some of the same components.

When we get our first credit card, we have that initial excitement. It's new, it's shiny, and it's personalized with our name right on it. We take it wherever we go, and when we need it, it's right there waiting for us. If we have any trouble, there's even a phone number on the back that we can call to get help any time of the day or night. It allows us to buy things we wouldn't otherwise be able to afford. Sure, we have to pay it back, but we can do this in small payments, which is a heck of a lot easier than spending all of our money all at the same time. It makes decision-making easier, because instead of worrying about saving up for whatever it is that we've set our eyes upon, we can simply whip out this credit card and take care of everything right then and there. Ah, but the honeymoon phase only lasts so long. Before you know it, there are tons of others out there just like it, and we don't stick with the same one. We find ourselves getting newer cards with higher credit limits. We realize that we can take out a loan and buy a shiny, new automobile. We slowly but surely get in too deep in this relationship and realize that what we've really done is allowed ourselves to get in deep with debt, and this is one unhealthy mess of a relationship if there ever was one. It's time to break up with debt once and for all. Doing so will require your attention, planning, and effort to make forward momentum, but once this ball starts rolling, it will continue to pick up speed and power along the way. Before you know it, you will be celebrating a victory and never looking back on this bad relationship except to reflect on how big of a mistake that this was in your life from the very beginning. God bless.

Many of us feel the weight of our past mistakes for a long time, and this weight prevents us from moving forward. This is especially true if you're feeling like you have passed a certain age and look back to see people much younger than you making better financial decisions than you did. This makes you feel like you've missed out on an opportunity, and you end up kicking yourself instead of making your current situation better.

It's time to run through a few steps today in order to give yourself a mental clean slate so that you can move past your mistakes and become who you wish to be. Remember, you are the one who has the power to write the proper ending to your story, and you're going to love how it turns out because you now have the unique opportunity to take charge and come out as a winner! God bless.

Whether you acknowledge this statement or not, they control you. If you're wondering who I'm referring to, I'm referring to the credit card companies, loan companies, and any other entities that charge you money for borrowing their money.

If you are under the false impression that you're in control when it comes to these institutions, it's time to realize a few things. Especially when it comes to credit card companies, they have the final say as to whether or not you receive one of their cards or if you are able to successfully request a credit limit increase.

What's worse is that there's a concept which some credit card companies employ that amounts to essentially being a credit card limit decrease for customers. Yes, you heard me correctly. Credit card companies have the ability to take what you thought was your personal available line of credit and decrease it as they wish when they wish to do so, and sometimes this decrease will bring your available credit limit incredibly close to what you currently owe.

When this happens, this will hurt your credit score. You could try calling and asking the credit card company to reverse their decision on the credit limit decrease, but chances are, they won't willingly do this. That leaves you with a credit card (or several) that are now close to the max, even when this was never your intention to be in this particular situation. Credit card companies want to limit their risk, and they have the absolute right to do just that. Unfortunately, this ends up hurting you, the consumer.

If you end up in this or any other negative situation with a credit card company or other similar entity, it's time to get mad. The emotional reaction that you have leads to passion, and passion leads to action. It's time to take control back from these bully institutions, and the sooner the better. Once we realize this and begin to take the steps needed to accomplish this, we will win. God bless.

Discipline and behavior are closely linked with one another. As a matter of fact, they directly feed off of one another.

Our behavior is incredibly important, and a large portion of what structures our behavior is our level of discipline that allows us to continue good behaviors and prevents us from going back to bad behaviors.

As good behaviors prevail and you rewire the way that you normally do things for the better, your level of discipline will naturally increase. This cycle continues, and you will eventually find yourself truly winning with personal finance.

If you haven't done so already, please head on over to iTunes and leave a rating, leave a review, and while you're there, subscribe to the show. It's a great way to bring this show out in front of other listeners, and it expands the reach of folks who will join us in our journey to get out of debt and get into prosperity. God bless.

Have you ever asked yourself what if you didn't retire? In many places of the world, people view their lives as two completely separate entities: work life, retirement life. What if you blurred the lines a bit and made it all one in the same?

Imagine being 100+ years old and still working. It may not sound like a great idea to you, but what if your chosen vocation was something that inspired you with so much passion that you actually looked forward to waking up every morning just to continue doing it?

In order to make something like this a reality, we need to start by asking a few simple questions. First, what makes you happy? What brings you true joy? Second, what is it that you're good at? Third, what (and who) do you value? Finally, what motivates you to get up in the morning?

Think about these questions for a bit and see if you might also feel that retirement doesn't have to be a necessity, because perhaps there's some greater purpose in your life that you simply haven't uncovered yet. God bless.

At the end of the month, do you find yourself asking where your money has gone? Unfortunately, for many folks, this is an all-too-common occurrence.

The good news is that there is a way to stay focused and stay on track so that you'll find yourself in that sweet spot with personal finance success. If you'll keep this simple rhyme in mind and pay close attention to the tips given and the content of today's episode, you'll soon find yourself consistently within budget each and every month:

Point A to point B,

Getting debt-free,

Getting into prosperity.

If you haven't done so already, I would greatly appreciate it if you could take a few minutes to leave a rating, leave a review, and while you're there, subscribe to the show. Your input helps to guide other listeners to tune in to the show, and I truly believe that there is great strength in numbers as we all move towards getting out of debt and getting into prosperity. God bless.

There is great responsibility that comes with being an expert. When you are an expert in your chosen field and have literally millions of folks tuning in to hear what you have to say on an almost daily basis, you have to be three times as careful with the content that you're putting out there.

I'm not saying that an expert needs to be perfect. However, I am going to say that some of the bigger names out there in the personal finance advice realm (Dave Ramsey, Clark Howard, etc.) have a certain level of responsibility with what they allow to be broadcast to an astronomical base of regular listeners and subscribers. How we respond to critics tells a lot about us, and sometimes not giving a critic their fifteen seconds of fame is the best response to keeping that individual's opinion at bay.

Don't get me wrong. I listen to both The Dave Ramsey Show and The Clark Howard Show almost every week. With that being said, there are just a couple of tweaks that I would offer to suggest in order to keep the negativity at bay and focus on bringing even more positivity for us folks on this little planet of ours. God bless.

We're wrapping up our book study with our final principle of success. This principle has to do with the power of partnership in the context of kings and priests, but we're going to dive in a little deeper and discuss other points of this principle as well.

Of course, with this being the conclusion of this particular book study, it's also a good time to review the twelve principles in their entirety. If you work to apply all of these principles in your life, you will absolutely have a greater chance for success.

It's not too late to pick up a copy of this book for your personal library if you'd like to do so. This is one of those books that you'll find yourself reading time and time again, especially since it is a short read and contains a literal wealth of information. Head on over to http://followmeoutofdebt.com/legend to pick up your own discounted copy of this book today while they're still available. God bless.

We're heading into the final stretch of our book study and visiting the next four principles of success. These four principles are organically connected to one another from a financial prosperity standpoint, but each one deserves to be looked at both separately and diligently.

At this point in the story, Antonio was approached by his brother-in-law, Venny. Venny wanted Antonio to provide him with a loan, but Antonio was naturally conflicted with this request. He needed to seek counsel from Alessio during their fifth meeting, and Alessio, as always, provided Antonio with wise counsel.

From this wise counsel, we derive four more principles of success. Once applied in our lives, these four principles of success will turbo boost our ability to get out of debt and get into prosperity. All of the principles thus far are equally important, but these four are especially noteworthy since they all tie in well with one another.

If you haven't done so already, I would suggest following along in this book study by picking up a copy of this book at your local library or purchasing it online. I've done some legwork and found several used copies of this book for just a few dollars if you'd like to own a copy for yourself or if you can't find it at your local library. Simply head on over to http://followmeoutofdebt.com/legend and pick up your copy today. God bless.