Counselling Connection

When large companies are looking to lower debt and maximise profits, one of their primary strategies is to sell assets. They can sell whole divisions, product lines, inventory, and equipment. You can do the same on a smaller scale. What possessions do you have that might be valuable on the ... Read More

Does the thought of making big choices overwhelm you? Are you wrestling with a difficult decision? Start writing about it in a Debt Journal.

Journaling in a Debt Journal serves two purposes.  It is a way of tracking the development of our consciousness and often our feelings and it also tracks ... Read More

By now, hopefully you've found some extra money. So, the next logical question is where do you put it? Where do you put it so that it will make the most difference in paying off those loans and credit cards, but also in your life? You've already been given a plan ... Read More

Whether it is selling your assets or getting a second job, sometimes you have to make big choices to get out of debt. What if you've gone through the first five steps and you can't free up enough money to start repaying your debts in a big way? Then you have ... Read More

Use the Cashflow Statement worksheet to create a budget that you can stick to—and save with—every pay. Assigning Pay to Expenses If you get paid more than once per month, the next step is to determine which bills to pay from which pay. Verify the due dates on your bills ... Read More