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

What are your three biggest frustrations when it comes to personal finance? I would like you to take some time and think about this question. Get back to me this weekend by sending your answers to me in an e-mail sent to the address mentioned on this episode.

If you know someone who may benefit from this show, please feel free to share it by sending them to http://followmeoutofdebt.com. If you're on Twitter, follow me at @fmoodpodcast for all of the latest tips, updates, and strategies to get out of debt and get into prosperity. I'm also on Facebook at http://facebook.com/followmeoutofdebt.

If you're looking for cheap kitchen countertops that still look like granite, you'll want to check out the Giani Granite Countertop Kit. We bought this last week, and I completed the project in a little over a weekend. Admittedly, I was skeptical at first, but I was amazed at the results afterwards. Our kitchen countertops were an ugly pink color, and now they have the correct color scheme and really do look like granite countertops.

Do they look exactly like granite? Of course not. However, I don't think people are going to be asking questions once they see these countertops. Most folks are going to be paying more attention to the rich texture and look of the finished product rather than wondering whether or not it was from a kit.

I will say that out of the entire process, the most important thing is to go through the videos and read the instructions carefully. The process is straightforward, but it's still necessary to follow the instructions and take your time. The Giani Granite Countertop Kit comes with all of the necessary materials. You may need to buy a few things (I personally needed light sandpaper for part of the process), but for the most part, you've got everything that you need to get started as soon as the kit arrives.

After listening to this particular episode and finding out what our experience was like with the Giani Granite Countertop Kit, you can get more information, including the colors available in each kit, by simply going to http://followmeoutofdebt.com/giani (this is an affiliate link that helps to support this show at no extra cost to you). As of this writing, the kit costs less than $80.00 when you follow the link provided.

dw88kk5x

You need to think outside of the job box. Many of us get used to collecting a paycheck or getting a direct deposit into our savings or checking from our full-time job (or a part-time job). Because we're so used to this, we find it increasingly difficult to imagine what it would be like to collect revenue from something other than a job. Our ability to uncover opportunities for ourselves continues to disappear over time as we stop utilizing our imaginations for our own benefit.

Think of ways that you can supplement the income that you're already getting so that you can maximize the time that you have to earn. Take those earnings and apply them towards your goals, including getting out of debt and getting into prosperity. Search online for topics that interest you, and take a look to see if there might be some e-mail lists that you can subscribe to that will provide you with ideas for new opportunities. Start thinking of ways to earn income outside of the norm. Better yet, see if starting your own business is right for you. Identify what you're good at, and turn it into a business. Think outside of the job box, and you may realize one day that your newfound interests that end up earning additional income for you may just take over your full-time job to replace your primary source of income completely.

If you know someone who may benefit from this show, please feel free to share it by sending them to http://followmeoutofdebt.com. If you're on Twitter, follow me at @fmoodpodcast for all of the latest tips, updates, and strategies to get out of debt and get into prosperity. I'm also on Facebook at http://facebook.com/followmeoutofdebt.

Visualization is important while we're on the journey to get out of debt and get into prosperity. I'm a big believer in visualizing where you're at and where you want to be someday. It's too easy to get stuck within our own confines and limitations if we refuse to allow our imaginations to run free a bit for our own benefit.

Most of us think of ramen noodles and equate it as a significant part of a college student's diet. While it's on the lighter side to reflect back on those days, there are some who are actually buying ramen noodles now in order to have enough groceries to feed the family until the next paycheck. This isn't a fun or lighthearted scenario; it's actually a real source of pain and discouragement.

It's too easy to get demoralized by constantly focusing on the ramen days. We need to force ourselves to break away from this line of thinking by envisioning the Rolex days to come. Without sounding like a rah-rah session, I will say that while you may never actually purchase a Rolex watch someday (I probably won't only because I don't like to wear watches), you can still keep yourself in a prosperity mindset rather than constantly staying focused on being broke and in debt.

The problem that a lot of folks run into is that they are only focusing on one part of all of this: getting out of debt. While that is absolutely a huge part of the success equation, it's not the entire journey. The journey does not end when you get out of debt or get your debt under control. You still have an entire second half that may actually take longer than the first. Stay as motivated as you have been so that you don't stop short, and you will eventually realize the end game: getting yourself into prosperity.

If you know someone who may benefit from this show, please feel free to share it by sending them to http://followmeoutofdebt.com. If you're on Twitter, follow me at @fmoodpodcast for all of the latest tips, updates, and strategies to get out of debt and get into prosperity. I'm also on Facebook at http://facebook.com/followmeoutofdebt.

As many of you know, I enjoy reading books and listening to shows on the topic of personal finance. I weed out the garbage and leave behind only the best information out there and further distill it for you right here on this show. It's the whole reason that I started the podcast. With that said, the one thing that bothers me the most is that these gurus are richer than me!

I'm not jealous. Please don't take this the wrong way. I also want to get into prosperity someday, and I want you to do the same. The problem that I have is the apparent disconnect of some of the gurus out there with some of us more common folk. The riches that some of the gurus have acquired over the years has clouded their perception of how it is to be in the struggle. They may be able to give us the same advice over and over again, but they no longer seem to be able to look at individual situations and empathize with how it is to be in the trenches in this war that we're all in to get out of debt and get into prosperity.

Several of the gurus have some great advice, and I still listen to advice coming from these folks, but at the same time, I still keep my mind open to alternatives. I think that it's counterproductive if we decide to blindly follow the advice of one or two individuals and refuse to do our own thinking. We need to continue to apply the great advice that's out there, but we also need to remember that there is no cookie-cutter approach to personal finance.

If you know someone who may benefit from this show, please feel free to share it by sending them to http://followmeoutofdebt.com. If you're on Twitter, follow me at @fmoodpodcast for all of the latest tips, updates, and strategies to get out of debt and get into prosperity. I'm also on Facebook at http://facebook.com/followmeoutofdebt.

There's a new technique that I've been using to help me with better utilizing additional income resources outside of my standard full-time income. I started to use this technique a while back, and most recently, I used it to help us afford our most recent vacation that we took. This technique helps me to stay focused and reminds me every single day why I'm doing what I'm doing for a particular goal.

I'll discuss the details of the technique itself as well as provide a real-world example of how I recently used this technique. The prerequisites are that you have sources of income coming in other than your full-time work and that you purchase a whiteboard and related materials. You'll use the whiteboard every single day, and on the whiteboard you'll be including your goal amount in dollars on the right side of the whiteboard and your progress on the left side of the whiteboard.

It's really not as important to reach your goal with this technique as it is to focus on the progress that you're making day to day. Once you pay close attention to what you're doing every day in order to earn additional income towards your specific goal, everything else naturally falls into place.

If you know someone who may benefit from this show, please feel free to share it by sending them to http://followmeoutofdebt.com. If you're on Twitter, follow me at @fmoodpodcast for all of the latest tips, updates, and strategies to get out of debt and get into prosperity. I'm also on Facebook at http://facebook.com/followmeoutofdebt.

Help to build a healthy financial foundation with your children by showing them how they can earn their own money. From there, help them to connect the dots when it comes to the various uses of money. Kids are much more likely to be attentive to our teachings that we provide to them as parents, even from a very young age. We have a golden opportunity right now with our children to teach them and guide them in the way that they should go financially.

We can teach them how to save for something that they want. We can encourage them and praise them for turning down candy and gum in the spirit of saving up for what it is that they are currently focused on. By doing this, we'll reinforce the importance of perseverance and patience, and they'll also learn that they don't need to get something right away just because they want it now. They'll learn that they can take the time to save up cash for something that they want rather than defaulting to an immediate purchase through some form of debt (once they are older, of course).

Take advantage of the limited stage time that you have with your children as a receptive audience. Show them how to save, give, and spend appropriately, and they'll take these lessons and establish a foundation that will benefit them for years to come.

If you know someone who may benefit from this show, please feel free to share it by sending them to http://followmeoutofdebt.com. If you're on Twitter, follow me at @fmoodpodcast for all of the latest tips, updates, and strategies to get out of debt and get into prosperity. I'm also on Facebook at http://facebook.com/followmeoutofdebt.

If you're planning a vacation to Niagara Falls (on the Canadian side), you'll want to ask around to find out where you can find Golden Elvis. That's likely not his real name, stage name or otherwise, but that's what I dubbed him while I was there. He's a one-man ingenious marketing and money-making machine that you have to see to believe.

While most folks in the area that were watching him were focused on this guy's talent to throw necklaces of beads on to people's heads, I was amazed at something completely different. I was watching someone who knew how to not only get noticed but also how to work a crowd, both big and small. He controlled the size of his audience (and income) by his own actions, and it was impressive to watch this play out. We were in Niagara Falls for a few nights, and it was amazing to watch every single time.

If you know someone who may benefit from this show, please feel free to share it by sending them to http://followmeoutofdebt.com. If you're on Twitter, follow me at @fmoodpodcast for all of the latest tips, updates, and strategies to get out of debt and get into prosperity. I'm also on Facebook at http://facebook.com/followmeoutofdebt.

Why do I have this particular podcast? I thought it would be a good idea today to get into why I do what I do. To me, this show seemed like a good fit in a world where financial gurus seem to all have one thing in common: a one-size-fits-all, cookie-cutter approach to personal finance. I couldn't disagree with this concept more.

There's a lot of room for improvement on several radio programs, books, and television programs out there meant to help us with personal finance. While they can serve as a source of inspiration, the advice given was nearly the same for each and every individual, regardless of the individual's particular situation. This simply doesn't make sense to me.

I felt that a show needed to be done to blend advice from multiple sources and empower folks by suggesting to do your own thinking. I don't think that you should follow one individual or concept; instead, I think we all need to dig deeper in order to determine what fits our individual situations before we implement a plan.

Never blindly follow, and always continue to think for yourself. You'll truly feel a sense of empowerment when you put the pieces together and realize that there are various resources that will help you. You just need someone to help you to put the puzzle pieces together properly, and that's the particular why behind what I do.

If you know someone who may benefit from this show, please feel free to share it by sending them to http://followmeoutofdebt.com. If you're on Twitter, follow me at @fmoodpodcast for all of the latest tips, updates, and strategies to get out of debt and get into prosperity. I'm also on Facebook at http://facebook.com/followmeoutofdebt.

While we are in the process of getting out of debt, we naturally make sacrifices here and there in order to focus more resources on our goals towards debt payoff. Some of us will take this a little further and stop buying new clothes, hair products, or will cut back on other personal maintenance items, such as haircuts.

While this will save money, it's not absolutely necessary to let ourselves go completely in the name of getting out of debt. As a matter of fact, this can have an opposite effect on our lives. When we hurt our own self confidence or fail to look presentable at our place of employment, we can actually do damage without even realizing it. Our employer may pass us up for a promotion if they feel that we're letting ourselves go downhill. We may look in the mirror and realize that we actually look the part of someone who is struggling. This will equate to taking our focus off of any other healthy visualizations that we may have had for ourselves once before. It's simply not worth it.

Instead, realize that there are ways to look good on a budget. This isn't a topic of vanity. This is a topic of self confidence and generally feeling good about yourself while you are in the process of working towards your personal finance goals.

If you know someone who may benefit from this show, please feel free to share it by sending them to http://followmeoutofdebt.com. If you're on Twitter, follow me at @fmoodpodcast for all of the latest tips, updates, and strategies to get out of debt and get into prosperity. I'm also on Facebook at http://facebook.com/followmeoutofdebt.