This Email first mailed to all Members of 'The Serious Writers Guild' and subscribers to 'One Minute With Dec' on

14 June 05

"Until you know that life is interesting - and find it so - you haven't found your soul."

 geoffrey fisher

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Of course Con and I will be on hand as The Bachelors.     Joe Brown and Dec with the Fender for the Auction.

US Army Corps of Engineers

A life free from debt?

 

Dishing out cash just doesn't seem to be as entertaining or even as simple as whipping out the plastic and signing away. But the privilege comes with a price otherwise known as interest and if you ever want to be free of debt there are a few things you need to know.

 

1.  The first, and most painful step, is to break out the scissors and hack all those beautiful cards to shreds.
Tell yourself that signing for anything you buy is simply not possible and thus the credit cards are not an option.
When the letters telling you that you have been "pre-approved" for some great card with no interest for six-months, just say "no".  Most people with credit cards actually have ten cards or more but if you have no choice but to use one for business, keep that monster locked away in some deep dark place so that you can't get to it when tempted to make an impulse buy!

 

2.  Eliminate any all debt balances.  Beginning with the lowest balance, start paying as much as possible until that balance reads zero.  Now, take whatever you were paying each month on this card that you have just paid off and add that to the minimum payment of the next lowest balance until it, too, is paid off.  Apply this formula to every card you have until you are finally free of credit card debt.

 

3.  Budgets are not the enemy, they are your friend!
Construct a monthly budget that realistically accounts for all of your bills and income.  It is a good idea to allot some extra money for emergencies such as flat tires and also to put cash aside into a long-term savings arrangement. Aside from the mortgage and household bills, use greenbacks for all purchases because it will be more difficult to exceed your budget when buying groceries than if you still had your credit cards.

 

Items you don't need are the enemy.  If you want to buy something that costs more than $100, try giving yourself a "cooling off" period of 24 hours before actually making the purchase.  Your spouse and you should support one another in adhering to the budget.  The debt will disappear and the savings account will grow, giving you a great sense of accomplishment as you take control of your own fate.  Make sure the children the very same self-discipline so that they, too, may know the rewards of a debt-free existence.

Paying cash for the things you buy is a kind of freedom and if you adhere to these principles it won't be too long before you can start buying the things you want.

To Mickey Strange [Serious Writers Guild Member]

I hope you find time to sleep and also I wanted to tell you that I went to that website you gave me and searched you online. But the awesome thing is that I listened to one of your songs and I absolutely loved it.

 

Hope to hear from you soon,
~Angelina Jolie~

 

PS Tell the kids I said hello.