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

We all make mistakes. Here are some of the mistakes that I have made in the past, and I'm hoping that by hearing my account of previous errors, you'll learn a thing or two about what not to do. I'm also hoping that you'll realize that even if you have made mistakes in the past, it's never too late to start over and do things the right way.

Keep in mind that it's also common for many of us to start out strong but still let life's pressures win and go against our better judgment. When this happens, we have to treat it as a life lesson learned and move on from there. Remember, admitted past stupidity can actually help us to do things the correct way later on down the road. God bless.

What is something that you do well that others might pay you for to do for them? It's a serious question that, if answered correctly, could result in increased revenue that you can use to get out of debt that much faster.

We all know that getting out of debt is a process, and the more weapons that we have to use towards destroying our debt, the better. Decreasing expenses is usually a good first step, but increasing income is going to eventually become necessary in most cases. We could go down the familiar path of getting a part-time job, but by asking a fairly simple question, we might be able to capitalize on that which we do well and come up with a way to monetize that specialty either directly or indirectly.

It's time to get started and really give this question some serious thought. Not doing so could be akin to leaving money on the table, and we all know that's not something that we want to do while we're on this journey to get out of debt and get into prosperity. God bless.

It's incredibly important to stay positive even while we're in the negative. Let me tell you how to do just that.

Sometimes it's about attitude, but more often, it's about action. Many of us are starting our journey to get out of debt and get into prosperity from a negative net worth. The situations that we find ourselves in sometimes can be just downright scary, but the good news is that we have the choice to stay positive even in what may quite literally be a negative situation.

The positive actions that we take tend to compound into a much larger habit that will give us the ability to not only persevere but also completely accomplish our goals. Don't get me wrong, the right attitude is critical, but even more important is taking positive actions day in and day out while we're on this very long journey.

Do something different, be something more, and take the positive actions that you need to take even while you're in the negative. Doing this habitually will ensure in most cases that you will come out on top. God bless.

Beware of this new scam that may be hitting your mailbox soon (if it hasn't already). This scam targets folks who are getting desperate or folks who want to get on the fast track to reducing debt expenses in the form of reducing the interest rates on credit cards.

While this is definitely a scam, the notice being mailed out to folks does appear to make it seem official. Included in this notice is your name along with a personal case ID. You'll even receive a summary of what you owe on your credit cards along with an average interest rate. This scam notifies us that we've been selected to participate in an initiative that I have personally never heard of before, and that's because it simply doesn't exist.

The notice that you receive may be the same or similar to the content immediately following below:

We're assessing your situation. Supported resolution documentation requested.

You have been selected to participate in a Nationally Sanctioned Debt Reduction Initiative. This program allows select individuals to reduce their adjustable unsecured credit card rates to as low as 0% APR.

We now need you to provide information to support your claim summary. We encourage you to act fast as program guidelines only allow for a limited number of participants. This program is backed by every major credit card provider in the country and is specifically designed to keep your credit score in excellent standing.

Failure to respond may affect your program rights. It is important that you call toll-free WITHIN 5 DAYS OF RECEIPT of this letter.

The bottom line is this. The best way for us to pay off our debt and eventually get into prosperity once we've paid off our debt is to roll up our sleeves and get to work. There truly is no better way, and there are no shortcuts to cleaning up the messes that we have already made. Don't fall for these scams that will surely make your situation worse than before. God bless.

Close friends, relatives, and even some not-so-close individuals may offer us their opinions, and sometimes those opinions may come to us in the form of ridicule. It could be because the individual is envious, or they may not completely understand why you are doing what you are doing. Whatever the reason might be, the important thing is to not let this stop you from moving ahead with your goals.

Your mind is your own, and you have the opportunity to use your mind to your best advantage in every situation. While others may attempt to influence you, be sure to analyze what you're being told in order to toss aside any sources of influence that are coming from a spirit of envy or judgement. Focus on reaching your own decisions based on your own particular situation and your goals that you would like to accomplish for the future.

Above all else, keep in mind that the ill will that you may receive from others does not reflect poorly on you, but it does reflect poorly on them. Don't take it personally, and realize that this is not a reason to stop moving forward with what you are destined to accomplish. God bless.

It's time for a quick anatomy lesson. This lesson will be much different from what you might have been used to in high school or college courses. This particular lesson is focusing on the anatomy of a credit card.

What makes us desire to open a credit card to begin with? What draws us to trying and applying for credit cards, paying interest on the money that we borrow, and end up thanking the credit card companies for the opportunity? This is the mystery that I felt that I needed to solve, and I decided to do this by analyzing the anatomy of a credit card.

Of course, I'm not talking about the physical attributes of a credit card. Instead, I'm referring to the pull that credit cards seem to have on so many of us. I've overheard conversations where folks are actually bragging about a particular interest rate or a specific perk of a credit card that they own. Little do they know, in most cases, the credit cards own us - at least to some degree.

I want to make sure that while we're on this journey together that we're calling credit cards for what they truly are. We do have the ability to use credit cards in a responsible manner, but unfortunately, this type of behavior is not the norm.

This is exactly why we need to stay on top of things and not get ourselves into a mess. If we're already in a mess, then we need to realize why it's so incredibly crucial to get out of the mess as soon as possible. We will, and I know this to be true because we're going to do this together. God bless.

As a personal trainer, wife, and mother, Amberly Lago was living the California dream until it turned into a nightmare in May 2010. As she rode her Harley down Ventura Boulevard on that breezy, sunny day, Lago was hit by an SUV, throwing her thirty feet down a busy street and shattering her right leg.

After months in the hospital and thirty-four surgeries later, Amberly's leg and severed femoral artery were spared, despite the initial recommendation to amputate. Amberly found the hope and faith needed to not only save her leg but also her career, her dreams, and her dignity.

Truly facing the greatest challenges that any of us could even begin to imagine, Amberly has found the ability to walk again while continuing to live with chronic pain after being diagnosed with CRPS. Her unwavering commitment to regain her active lifestyle of training clients transformed her tragedy into victory and motivates her audiences from all walks of life to find resilience in their own difficulties.

I consider myself to be blessed to have the honor to welcome Amberly on today's show, and you've got a front-row seat to this inspiring conversation. Learn how taking one day at a time in even the worst of circumstances has allowed Amberly to persevere and realize personal victories again and again. Discover the PACER technique and how you can use this very same technique to accomplish your goals, do more in your life than you ever thought possible, and significantly reduce stress and anxiety.

Hear Amberly discuss how she has reinvented herself against unimaginable odds and how she has truly come out on top (and continues to do so). Discover why community is so incredibly important and why all of us need to embrace community in order to truly succeed in whatever we set our sights upon.

Learn more about Amberly and her inspiring book, "True Grit and Grace," at amberlylago.com, follow her on Instagram at amberlylagomotivation, on Twitter at amberlylago, and on Facebook at amberlylagospeaker. God bless!

What do you do once you and your spouse have finally come together and are on the same page? You may not be there quite yet, but eventually, you will be. It's important to know the next steps that you'll need to take in order to move forward as one towards accomplishing your goals.

While many folks may have many different ways of working together as a team, the most important thing to do is to respect each other's opinions. You and your spouse come from different walks of life, and when the two of you got married, one of the challenges awaiting you was to be able to merge those two differing backgrounds into one. The wonderful thing to keep in mind is that once this has happened in the realm of personal finance, you will become a more powerful foe against debt, and you will win at personal finance together as one. God bless.

Let's take a moment to reflect back on the year and see what we've accomplished and what we need to do in order to keep moving forward.

It's important to end the year by celebrating some wins, coming up with different strategies for the losses, and making sure that we start the new year on the right foot overall. Forward momentum heading into a new year is always a good thing.

I do want to make mention that I don't put much value on new year's resolutions. The primary reason for this is that the vast majority of folks will eventually stop working on their resolutions within the first few months of the new year and will feel that they have to wait until the next year in order to begin again. If we allow ourselves to reset regardless of the date on the calendar, we'll make more progress throughout any given year - and that's a good thing.

If you haven't already done so, please join in on the conversation at https://facebook.com/followmeoutofdebt. A lot of things will be happening within this group, so you'll want to be a part of this. God bless!

It's about time for us to have a conversation. Let's get on the same page and close out 2018 with community and get on track to a prosperous and successful 2019!

If you haven't already done so, please join in on the conversation at https://facebook.com/followmeoutofdebt. God bless!