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FROM THE EDITOR

It is hard to be in debt. Really tough. No one likes to get scarey letters or phone calls. We hate to be threatened with losing our assets.

Sleepless nights and stress are normal when dealing with debt. And when we are stressed, we can some times lose focus and make bad decisions. We often give in to bad impulses or just make silly mistakes. Many people find that stress over money makes its way into our families and causes problems at home.

This is why it can be nice to talk to someone about your debt and get good advice. Their outside perspective can help you see the problem areas and what you need to concentrate on sorting out.

Sometimes that’s earning more money, or spending less money on certain things. Other times it is concentrating on paying off the right debts first.

Maybe it is saving money by swapping insurance policies or where we bank. All these factors can have an impact.

What you need to ask yourself is: do I want to be in debt? Do I like it?

If not, then take action. Make a plan and stick to it. If you are too stressed to make a plan or worry your plan is not right then ask an expert.

Make paying off your debts your focus, your goal.

We all know, having a goal is not the same as achieving that goal. So, what can help us stay on track? What can help us reach our goals? In this issue we delve into that topic and pick up a few tricks and suggestions that can help keep us motivated when we really don’t feel like it.

Sometimes paying off your debt can just feel like its “too hard”, “too slow” and “too tough”. If you are feeling like that right now then check out the article to see if it can help you find a way forward.

After all, time flies and if you can stick to a plan. If you can stay motivated and keep on keeping on, then pretty soon you will successfully reach your goal and be debt free.

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