The 7 Steps to Getting Out of Debt

By Lis Carpenter

ongratulations!

I want to thank you for choosing to read this book, The 7 Steps to Getting Out of Debt. You are making a positive change for your financial future. Continue reading to learn exactly what the seven steps are that will lead to your financial freedom, and how to apply these steps. Discover how to apply these steps in your life and start on the path to financial recovery-just like I did. Lis Carpenter

Debt is the beginning of a cycle. You need some debt to maintain credit, but when your debt becomes overwhelming, your financial life can spiral out of control. Uncontrollable debt, the result of high interest rates, unnecessary fees and few credit opportunities, will take over your life. Uncontrolled debt leads to: ForeclosureBankruptcyPovertyHomelessness paycheck or two from living out of your car thanks to overwhelming debt? Are you just a

I could see this being a possibility in my future just a short while ago. I owed $10,000 but I was in this vicious cycle that left me with no life. I worked double shifts and multiple jobs only to pay off fees and interest; I wasnt even touching the debt itself. I had no freedom, no time, and 80 percent of my income went to pacify my debtors and creditors. I had been to a debt counselor who I paid to advise me on how to manage my debt, but all I ended up with was a big bill and the same debt! I was unable to pay my bills on time, found myself using just a few high interest cards, and doing everything else that I later learned was sinking me deeper and deeper into a big black financial hole. I decided to search the Internet for a viable solution for my debt problem. However, before I began my search, I had enough sense to realize what I was not looking for: The debt consolidation solution that would keep me in debt by adding more debtors to my situation.

A promise that was just a trick to get me to call a credit counselor I did not want or need; Id already went that costly route. free. Assistance that only resulted in a companys ploy to sell me a credit report, which can be available for

A loan shark who promised to pay down my debt for me--for a fee. 2

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A find a loophole in the law scheme that could lead to legal trouble. What I was looking for is what anyone in debt wants--a smart, simple strategy for turning my debts into

credits.

During my Internet search, I read about a debt management program, Dani Johnsons First Steps to Success. After doing my research, I came across some compelling testimonials from people who had attended one of Danis seminars: Francis Chau said, I cant tell you enough how much my life has changed since having been exposed to you. I attended First Steps to Success in LA and within a few weeks I cleared $15,000 of debt that I carried around like a gorilla on my back! I never realized that the freedom of having it cleared would enable me to REALLY experience life. Rick Hinnant said, My wife and I came to Dani Johnson and found a whopping $5,000/month in fatty fat excess spending in our budget! We took this and applied it to debt and were able to pay off $80,000 of debt in 18 months. Beyond that, I was burnt out in my business and because of Dani Johnson, I got re-energized in my business and am now well on my way to earning a seven figure income! Matt Gonzales said, After I learned the skills that Dani Johnson taught me about getting rid of debt at First Steps to Success, I eliminated $26,000 of debt in the first week following! Four months later, Ive gotten rid of a total of $33,000 of debt! Even though I havent increased my income, it feels like I have because I found that I have money that Ive been using in places that didnt matter and now Im saving more money, using it properly instead of blowing it on useless garbage! Jeff and Holly LaChappell said, Since First Steps To Success, we have paid off 6 credit cards, put 5,000 into savings, started our 2 kids college funds and are inspired to keep going

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I attended Dani Johnson's First Steps to Success seminar in Dallas, Texas on October 18th and 19th in 2008. During the seminar, I watched as person after person got up on stage and described how each one had won her own personal battle with debt by following Danis step-by-step program. Each speaker got up and kept talking about how they were finding something called FAT in their budgets and using it to pay off their debts and get their credit to be their slave instead of the other way around. It seemed like this FAT was excessive spending on things in their budget they did not need that was squandering their funds. It was like a diet. For example One lady found an extra $315 of FAT in her budget that she used to pay off $2,865 in seven weeks.

Another woman found $1,500 in FAT in her monthly budget, and managed to pay of $15,000 in six months. A man found $400 in FAT in his budget and managed to pay off $22,000 in debt in 19 months.

In seven weeks a man found $60 of FAT in his budget and managed to pay off $25, 00 in debt in seven weeks, as well. A student found $300 in FAT in his budget and managed to pay of $4,000 in student loans in seven months. I sat awe-struck in the audience and listened to story after story which related how people of all ages and incomes had managed to take their great nemesis, CREDIT and turn it into a tool of prosperity. Dani Johnson, author and creator of the War on Debt TM Debt Annihilation Program, explained that although she is now a best-selling author and successful financial life coach, her debt left her living out of the backseat of her car, poor and homeless. She worked through her debt by setting in place seven strategies that would ultimately lead to the beginning of a million dollar business--and it all began out of the trunk of her car.

Dont be a victim to your debt.

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Not All Credit is Bad!

Perhaps the most important thing that I learned at this seminar is that using credit is neither good nor bad. It is how you use your credit that can make you a victim of it or a financial success. By making your credit work for you, you can : Go to a restaurant, have a glass of wine, and enjoy it without worrying that you are spending the grocery money or going to be paying your Visa Card bill a day late. Not live from paycheck to paycheck. Send your children to any university without fretting about the price of tuition. Feeling the happiness and self-sufficiency that comes from not owing anyone anything ever again.

Listening to Dani speak also changed my perspective on the role that debt plays in my life. I never saw it this way before, but the phrase that made the most sense to me was when Johnson said Getting rid of your debt is like giving yourself a 15% to 30% raise in income each and every month!

I learned that credit in and of itself is not a horrible thing. You can use your revolving credit in a positive way, so that lenders will not think twice about lending you cash when you need it, as well as giving you lower interest and mortgage rates. This is absolutely crucial if your goal in life is to own your home or business or retire early. In fact, to just pay cash for everything and NOT use your credit at all can be incredibly damaging to your credit rating. Another tool I discovered at Danis seminar is that there is actually such a thing as good debt. Good debt can help parlay your income into millions, if you know the principles of how it can be used to compound your investments.

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A Tale of Two Debts

I want to tell you a story about two women, each with similar lifestyles, who each take a different path when it comes to how they handle their finances. One woman, Jane, has good debt that she uses to create income for herself. The other woman, Jill, maintains bad debt throughout her life, also known as consumer or revolving debt. Both Jill and Jane begin their lives earning the same income. Both women: Are never been denied when they apply for a credit card. Carry an annual balance of $8,000 on their credit cards. Finance cars with $20,000 worth of loans and purchase a new car every seven years until age 70. Purchase a starter home with a $350,000 mortgage at age 30, and then upgrade to a larger house that cost $450,000 at age 40.

However, despite their identical financial beginnings, Jill ends up pay hundreds of thousands of dollars more than Jane in debt-related expenses, while Jane uses her excess credit to create additional income. Jane always pays her bills on time and makes an effort to pay more than the minimum balance she owes on all cards and debts. This elevates her credit score. Instead of spending her money on late fees and interest charges, Jane has money to invest in an interest bearing account. She makes money from the money she saves. Jill does not always pay her bills on time, if at all. She frequently pays the minimum amount due on her credit card bills, or less than the minimum, and has a habit of maxing out the limits on all of her cards. This convinces lenders that she is irresponsible when handling her finances, and they do not give her an increased limit or additional credit cards. Lenders offer Jane the best credit cards at better terms and lower rates. Her credit limits are regularly increased. She is offered many credit cards so she is able to spread her debts over several accounts, thus maintaining lower balances across the cards she actively uses. This gives her a very high credit score. Theoretically, Jill and Jane owe the same amount of money, but Jill carries larger balances on fewer cards, which hurts her credit score. This does not prevent her from getting a loan, but the interest rates that she is offered on cards and mortgages are substantially greater than those offered to Jane. Janes high credit score, which is the result of good points given by several lending companies, give her some leverage with the credit card companies when it comes time to bargaining for lower interest rates. Whenever a lender tries to raise her interest rates, she transfers the balances with increased rates to another credit card with a lower interest rate. Sometimes the simple suggestion by Jane that she will switch credit cards causes a lender to offer a lower interest rate. As a result, Jane is all set to sail through life with a high credit rating and paying an average low interest rate of 9.9 percent. Jills fate is a little grimmer. The average interest rate on her credit cards is a whopping 19.9 percent 10 percent more than the interest on Janes credit card--which makes her a pauper by the end of her life. It did not take much to give her a more difficult time in life only 100 fewer points on her credit report compared to Jane. http://www.freebudgetingbook.com 6

Here is an example of what Jill and Janes finances look like when compared side-by-side.

Credit Cards
Jane Credit Score Interest rate Annual Interest Costs Interest Paid (Lifetime) 750 9.9% $762 $39,600 Jill 650 19.9% $1,592 $79,600

As you can see, the difference is that Jill pays $40,000 more than Jill by the time she reaches the age of 70. That is because Jill paid almost double the interest rate and twice as much annual interest as Jane. What do you think Jane is doing with the money saved in interest? She is reinvesting in her credit and increasing her finances. A look at the two womens auto loans reveals a similar scenario.

Auto Loans
Jane Credit Score Interest rate Monthly Payment Interest Paid (Lifetime) 750 5% $377 $21,666 Jill 650 8% $406 $34,563

In the end, Jills total penalty for having that lower credit score cost her $13,487 in loan interest over a lifetime. Jill is also stuck paying higher monthly payments as a result of her bad debt, which is money she could be spending on other things like a vacation, health care, or food. Jane is rewarded for having good debt with a lower interest rate and lower monthly payment. Guess who gets to go to Europe for the summer, and who is stuck working double shifts, all because of her debt? Both women are also treated differently when it comes time to negotiate mortgages.

First House Mortgage (at age 30)

Jane Credit Score Interest rate Monthly Payment Interest Paid (10 years) http://www.freebudgetingbook.com 750 5.5% $1,987 $174,760 Jill 650 7.735% $2,417 $243,020 7

At age 40, when both women decide to purchase new houses, Jane decides to buy a slightly larger house because she could afford it. This is the only time in her life when Joans interest penalty was larger, but she still managed to do a lot better than Jill as is evidenced by the figures below.

Second House Mortgage (at age 40)

Jane Credit Score Interest rate Monthly Payment Interest Paid (30 years) 750 5.5% $12,555 $469,818 Jill 650 7.735% $3,108 $668,894

Although Janes interest rate increases with the second mortgage, Jill still pays more than $200,000 than Jane to lead the same lifestyle in a similar area in a slightly smaller house. By taking paying your bills on time and paying more than the minimum payment each month on credit card bills, you can improve your credit. You will be able to receive credit cards at a low interest rate and have the opportunity to continue to grow your credit. There are other ways that maintaining a high credit score can improve your quality of life When interest rates are higher, as is often the case during a recession, you will not be as affected as someone with a lower rate, who will possibly be denied a card or loan. Insurance companies rate people on their credit ratings and if it is high, your premiums are low. Jill paid premiums that were 20% to 30% higher than Janes, thanks to her low credit rating. Spend less time working to pay off debt and more time letting your money work for you while you enjoy a vacation, or two. Enjoy higher quality foods, spend time at the gym, and get regular medical checkups than someone who has a lower credit rating. You have more money to spend on the things that are important in life since you arent throwing it down the drain.

The bottom line is that if Jill would have invested that $200,000 that she spends paying interest on loans and credit cards she would have been worth two million dollars by the time she is 70 years old! The fact that money not spent on interest can be invested is the exact gist of what I learned when I went to Dani Johnsons First Steps to Success seminar. Finally I understood why some people thrive while others really suffer even if they are making the same amount of money and how some used Danis program to turn their lives completely around.

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Danis System for Eliminating Debt

On the day that I attended the First Steps to Success seminar, I witnessed 52 people get up on the stage from all different ages and walks of life. Each person had their own unique story of how he was using the strategies they learned in the First Steps to Success seminar and Dani's War on Debt product to erase debt and poor spending habits to get to where he wanted to be financially. I had my own story of just under $10,000 in credit card debt, and I was determined to be on that stage the next month talking about how I had knocked out unbelievable amounts of debt in record time. One woman talked about how she rearranged her priorities and was able to pay off $13,000 in debt. Another woman found $120 in FAT in her budget and paid off $14,500 in debt in three months. Another found $315 of FAT in her budget and paid off $2,865 in debt in seven weeks. By finding $750 in his budget another man paid off a whopping $165,000 in debt in 24 months. A similar success story was the guy who found $1,000 of FAT in his budget and managed to pay off $33,000 in debt in four months.

Do you want to learn how to prosper during a famine? Would you like to circle a date on your calendar that will tell you that is the day when you will finally be out of debt? How would you like to get rid of your home mortgage in seven years or less? Its all possible! I know because I personally have applied the principles in War on Debt and won the battle against my worst enemy when it comes to accumulating debt me!

Here is Danis system for eliminating debt; a simple, pragmatic step-by-step process.

Step 1: Look at the Past

They say history repeats itself. Take a look at your past. Where is it that you have repeatedly made financial mistakes? Who is charging you even though your credit habits are unhealthy, taking advantage of you? Get rid of these companies. Look at where you overpay, where you pay too much, and at the reasons why you are paying any bills late. In Danis program, you will learn how to organize yourself. Then you can evaluate how you got to where you are and be forearmed with the knowledge of how you are going to change your future spending habits. You will need to record every purchase you make for at least two months so you can evaluate the bigger financial picture. However, the more months you can record it would be easier to see habits you have when it comes to looking for FAT. To begin gather the following materials. http://www.freebudgetingbook.com 9

Materials you'll need: Your checkbook register and/or monthly bank statements Receipts for all purchases Your outstanding debt statements and unpaid bills A notebook and pencil

Step 2: Look for Patterns

Organize your receipts in order by date. Separate the receipts in categories, such as food, fuel, clothes, and entertainment. Do not throw out a receipt even if you cant figure out what category it belongs to--this is more than likely FAT. Write down each debt by name, date and amount in your notebook and add the total amount of debt for each category. Then list all of your outstanding debt balances and interest rates for each debt, as well as your monthly bills (Carpenter, The War on Debt). Danis program teaches you how to develop a schedule that works for you for starting to get rid of the chronic patterns that you might even subconsciously be adopting that keep you in debt. You will learn how to make priorities and categorize and keep books so your spending never goes off track.

Step 3: Check Your Credit Score

Find out your credit score. You can request a copy of your credit score from one of three credit companyies: Experion, Equifax, and TransUnion. In her program Dani also teaches you how and when to pull your credit reports without harming your rating and how to negotiate lower interest rates (Carpenter, The War on Debt).

Step 4: Locate the Abundance in Your Budget

This step is incredibly enlightening and fulfilling. It is like giving yourself a raise. You will be taught how to comb through everything that you do to trim the FAT from your budget. By doing so you will see the potential of how scaling down on spending on unnecessary things that you just take for granted as being things you should pay for can earn you thousands of dollars more. My downfall was spending hundreds of dollars in thrift stores on bargains. Your downfall might be that designer handbag for the season or a $5 blended coffee (Carpenter, The War on Debt). Find the money you are spending each month on items you dont need or could easily live without, such as your monthly movie rental plan or dog-walking service.

Step 5: Establish Your Plan

This is the gratifying part because even while you are doing this simple step you will be able to see the light at the end of the tunnel. You will be able to see how exactly by a specific date all of your debt will be eliminated and you can start working for yourself again instead of the banks. http://www.freebudgetingbook.com 10

List your outstanding debt according to balance from least to greatest. Take the excess spending, or FAT, that you have located in your budget and apply it to the smallest total you owe. If you have a debt that has a significantly higher interest rate than the other debts, and your balances are somewhat equal or your limits are all maxed out, begin paying off the debt with the largest amount of interest. As you begin to bring the balance down, make a request to the debtor for your interest rate to be decreased.

Step 6: Maintaining Your Plan

Continue to save the FAT from your budget even after the first debt is gone. Now apply the FAT to the smallest balance you owe. Continue paying your debts down until you have each debt paid off in full. Instead of spending 40 years paying the minimum on this debt and ending up paying about $15,000 total due to interest, really step up your payments and knock it out in a year and three months (Carpenter, The War on Debt).

Step 6: Keep the FAT Off

Keep a check on any FAT that might try and creep back into your budget. Humans are habitual creatures, and it is a challenge to change a routine. Whenever you have the need to make a purchase ask yourself this: do I have the cash to buy this? If you dont, wait 24 hours to make the purchase. This will prevent impulse spending. Then, if you must use your credit card for the purchase, calculate the amount of interest it will cost you. Once you see how much extra you will have to pay in interest, you can see the full price tag. For example, a pair of jeans on sale for $20 at 20 percent interest now costs $24. If the sale is for 20 percent off, then you arent saving any money, are you?

Step 7: Earn Good Debt

When you notice a release in the amount of money you owe, it might seem like you can reward yourself by spending money again--be careful. While it is ok to spend your hard earned money, make smart financial decisions. Apply for new lower interest credit cards. Use your credit cards for items you would normally pay for in cash, such as groceries or fuel, but keep the cash on hand so you can pay the debt off in full with no interest. Spend your money and use your credit to increase your credit score and lower your debts, instead of lowering your credit score and increasing your debts. After you have accomplished this, turn the money you save into invested income that reaps rewards without you breaking a sweat.

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Dani Johnsons War on Debt Home Study Program

If you order Dani Johnsons War on Debt Home Study Program you will get: Advice on how to pay off your debt without having to get a second job or make any more money than you are now A simple debt elimination chart Step-by-step instructions on how to bring your accounts down to zero

A proven debt annihilation formula that has already helped thousands of people pay off millions of dollars in debt The difference between wise and foolish spending How to uncover excess spending and use that money to quickly pay down your high interest accounts

Dani Johnsons War on Debt Home Study Program will give you all the tools you need to experience the total freedom of being completely debt free! Sadly, theres a war on for your financial freedom and if you are in debt, YOU ARE LOSING THE WAR! You may be living a good life but if you are carrying debt you are not financially free. You just may look a little better off than the rest of todays modern day slaves. Also if you are in debt, the economy is not going to get much better. Fix your debt now before things get worse. This is your chance to join the thousands of Dani Johnson clients who are winning the War On Debt. There really is a legitimate way for you to become free from the shackles of debt for good without even increasing your income! www.freebudgetingbook.com

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Need Some Advice to Help You Cut the Fat in the Meantime?
When I was attending Johnsons course, I took extensive notes. To tide you over until you can make it to one of her seminars or buy her full DVD; here are 40 fabulous fat cutting tips to get you started -1. 2. 3. 4. Eat at home it can save you tons of cash. They dont call it an idiot tax for nothing. Stop blowing money on lottery tickets. Start collecting coupons, organize them, and use them. Combine your errands in one trip to save money on gas and wear and tear on your vehicle; use public transportation if available. 5. Turn off the lights when you leave the room. 6. Reduce clutter and start selling what you dont need via the web or consignment shops. 7. Cut out that after-work cocktail and plate of chicken wings. 8. Bring your own soft drink from home and stay away from vending machineseven better just drink water. 9. Stop Smoking. It costs up to $1500 a year to smoke a pack a day and even more in Canada. 10. Take books out of the library instead of the bookstore. 11. Go to matinees when you go to the movies to avoid expensive night time shows. 12. Lower your thermostat and lower your bills. Even just a few degrees can make a big difference. 13. Open window shades to heat your home by the sun. 14. Close window shades to keep rooms cool. 15. Go camping while on vacation instead of staying in a hotel. 16. Never order room service in a hotel always go out to eat. 17. Bike or walk to work instead of taking a car. 18. Avoid boutique coffee shops and make your own designer coffee drinks at home. 19. Regift at Christmas and for birthdays. 20. Get rid of your monthly voice mail charge by getting a 20 dollar answering machine. 21. When shopping buy the cheapest size with the cheapest cost per ounce, such as a whole chicken rather than precut pieces. 22. Buy store brands or knock-offs instead of name brands. 23. Make a grocery list and stick to it so you do not succumb to impulse buying. 24. Avoid going shopping hungry as you just spend more. 25. Stop dying your hair and go natural. 26. Forget about wearing nail polish and forgo professional pedicures and manicures; instead, buff your nails at home. 27. Buy regular rather than premium or high octane gasoline as most vehicles are made just fine to run on regular gasoline. 28. Fill your tank when gas is inexpensive, even if your tank is not empty. 29. Avoid ATM fees by withdrawing all the money you need for a week, and use an ATM affiliated with your debit card to avoid extra fees. http://www.freebudgetingbook.com 13

30. Read the news online instead of buying a newspaper every day. 31. Use all-purpose cleaners and stay away from specialty products. 32. Avoid buying clothing that is labeled Dry Clean Only. 33. Grow your own food and reduce your food bill. 34. Puree your own baby food using food that you have cooked at home. 35. Save all of your leftovers and be sure to eat them.

36. Make gifts instead of buying them, such as cookies or crafts. 37. Instead of dining out enjoy a picnic in the park. 38. Use a debit card instead of a credit card whenever possible. 39. Make sure that the cost of your collision insurance is worth it as sometimes it exceeds the value of your car. 40. Shop online. You are less likely to make impulse purchases. (Adapted from Fox, From Credit Repair to Credit Millionaire)

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Money Wise: How to Get Easy Funding For Your Ventures and Investments
Empower yourself today by increasing your credit card limit. All it takes is a phone call to your creditors to get what you deserve--an expanded line of credit at a lower interest rate with fewer fees. Below you will find a step-by-step dialog to guide you as you call your creditors. Here are some general tips to help you get started: Before you make your first persuasive phone call, familiarize yourself with the dialog that follows. Read through the script at least twice beforehand, and fill in the blanks with the missing information. Once you make the call, own the conversation, remain confident, and display power. During the conversation remain calm, cool, and collected; never rude or brash. Be friendly but detached; remind yourself that the customer service representative is not your friend, but that the company does want to do business with you. Remain firm with your requests, but keep in mind that more bees are attracted to honey than to vinegar. Dont take no for an answer. Ask to speak to a supervisor, if needed. Assume your success and you will succeed. Now, lets get started! Step-by-Step Dialog Once you make the phone call, ask to speak to someone in customer service. If you receive a recorded response, follow the prompts until you reach a live operator. Introduce yourself to the customer service representative (CSR) as follows: Hi, my name is __________. What is your name please? (CSR responds) Thank you. Well, (CSRs name) I am thinking about making a large purchase in the near future, and I am calling to find out what is my credit limit. (CSR responds) Hmmm (as if you are not satisfied). What is the maximum amount of credit you can give me today? CSR: How much do you want? I would like a limit of _______ (ask for $100,000.00). CSR: Do we have permission to run your credit? Yes maam/sir. CSR: Do you still have the same job as you did when you signed up for the initial line of credit? Yes, and I have added income from a separate business. CSR: What is the name of your separate business? http://www.freebudgetingbook.com 15

It is _________ (decide ahead of time the name to call your business, but do not include Real Estate in the name). CSR: How much is your total annual income? I expect to make _______ (use your current income combined with $200,000 from real estate). How much of an increase can you give me today as I would like to make a large purchase today for my business? Okay, now that we have adjusted my limit, it occurs to me that I should check my interest rate. What is my current interest rate? CSR responds. HmmmI would like to use this card for my purchase but that rate seems high. What is the lowest interest rate that you can give me today? In addition, can you give me access to credit card checks at the lowest interest rate you offer? While were at it, will you please check and see if I have any annual fees? CSR responds. HmmmI dont think all of my other cards have those fees. Could you have them removed? Thank you for your time, and have a nice day (CSRs name). These are the basic tactics for conducting any persuasive phone call to a debtor, credit issuer, or any other type of phone call related to sales or relational conversation. No matter what the outcome, your persuasive phone skills will develop and you'll be able to finesse your way through most situations that require skills of persuasion and negotiation. Keep up the good work! For more information search for negotiation books and audios at your local library, web search engine, or book stores.

(Wegman, Simple Steps to Increased Credit Card Limits and Purchasing Power)

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References Carpenter, Lis. The War on Debt. Squidoo. <http://www.squidoo.com/Debt-free-Finances >. Fox, Donna. From Credit Repair to Credit Millionaire. Schererville, IN: Special Arrangements, 2004. Print. Johnson, Dani. War On Debt: Home Study Program. 2003. < http://www.danijohnson.com/successtools/selfimprovement/war-on-debt-home-study-program/>. Wegman, Ryan. Simple Steps to Increased Credit Card Limits and Purchasing Power. Ezine Articles, 2009. <http://ezinearticles.com/?Simple-Steps-to-Increased-Credit-Card-Limits-and-PurchasingPower&id=2470540>.

Images: Flickr Creative Commons; p. 3 Money by AMagill; p. 4 Homeless Park Person by chrstpre; p. 4 Credit Cards by Andres Rueda; p. 16 Lunch Money by emdot

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