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How much of net income should be use by each category monthly. Knowing these percentages will help in getting debt reduced and savings increased. 

Article Links:

https://www.gobankingrates.com/saving-money/budgeting/recommended-budget-percentages/ By Kathy Evans

https://money.usnews.com/money/personal-finance/saving-and-budgeting/articles/how-to-determine-budget-percentages-to-meet-your-money-goals By Geoff Williams

https://nomoredebts.org/budgeting/budgeting-guidelines 

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Why is setting goals important when trying to reduce debt. Once realized that debt has become a problem setting goals to reduce debt is key to staying on track. Goals that related to reducing debt is covered in this episode. 
Article Links:

https://www.lucidchart.com/blog/the-ultimate-goal-setting-process-in-7-steps

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Debt can be overwhelmingly difficult to reduce. What is the first steps in getting debt under control. First to identify what cause this problem then to try to eliminate the problem. 

 Article Links:

https://www.consumerfinance.gov/about-us/blog/how-reduce-your-debt/ By Courtney-Rose Dantus

https://www.mymoneycoach.ca/blog/how-to-pay-off-get-out-of-debt-with-small-steps.html By Julie Jaggernath

 https://www.mymoneycoach.ca/budgeting/loans-debt-credit/get-out-of-debt

 Comments, Questions, Requests,  contact by email below Reducedebtincreasewealth    at    gmail   .    com 

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There is more to personal finance than reducing debt. While reducing debt is the biggest problem it not the only item that is needed in life. The second item is savings the third is protecting the assets that is owned. 

 Article Links:

https://pricelawfirm.com/the-8-ways-to-protect-your-assets-from-a-lawsuit-you-should-know-about/ Edited By Sam Price

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What to do when have little or no retirement savings. First this must be identified early so that changes can be made. More than half of Americans have less than $ !0,000 saved for retirement. 

 Article Links:

https://findcontinuingcare.com/blog/how-to-retire-with-no-money

https://machenwealth.com/blog/real-life-examples-of-what-happens-when-you-fail-to-save-enough-for-retirement

 https://www.thebalance.com/retiring-without-savings-at-60-years-old-4161009 By Rebecca Lakepe

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Debt management is a must for everyone, to keep credit cards under control. Debt reduction is a must in this time of inflation to stay on track with goals. Before getting started on debt going to talk more about control center and how to use with debt management.

 Article Links

https://www.incharge.org/debt-relief/debt-management/debt-management-program-template-debt-relief/ By Tom Jackson

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Budget is the control center of personal finances. Without a budget it is impossible to determine the success of goals or determine how and when the goals will be achieved. 

 Article Links:

https://www.rockethq.com/learn/credit/personal-budget-what-is-it-and-why-do-i-need-one By Molly Grace

https://www.thebalance.com/reasons-to-budget-money-2385699 By Miriam Caldwell

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Tracking personal finances needs done on a weekly basis. Many do not keep track of anything and get behind on paying bills and do not knowing how much money in checking account. This is important for everyone to do and to stay ahead of bills coming due. 

 Article Links: 

https://www.wikihow.com/Keep-Track-of-Your-Personal-Finances By Michael R Lewis

 https://www.thebalance.com/is-it-important-to-track-my-expenses-2385679 By Miriam Caldwell

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Starting a business to build wealth sometimes works but has risk and many fail. The best way to get started in a business is to have a plan and be debt free in personal life. These are the things that need to be complete before starting a business.  Income is the only way to build wealth so having a losing business will not build wealth.

 Article Link:

https://www.businessnewsdaily.com/4686-how-to-start-a-business.html By Joshua Stowers

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Found a payoff calculator that can be used to estimate the time needed to pay off debt using my plan. Remember the one-time payment being made and the month made is an estimate so may not be exact in estimating the total months need to be debt free. 

Article Link: 

https://www.calculator.net/debt-payoff-calculator.html

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