‘Debt Cures’ goes into detail about the banks and others that are working together to ensure the average person continues to sink deeper into debt just so they can make obscene amounts of money from the interest that you owe to them.

Step #1 of determining the right debt relief program for you is to realize if your bill problems were created by life happening to you (ie. medical, layoff, emergency, ect.) or if YOU are the source of your financial woes and the reason that you even need credit card debt relief.

If it was life, then that’s easy, skip to step #2.

But if you are the source of your credit card debt problems, then you have to get you under control. Whether that means debt counseling or some other debt management program, you have to get yourself under control. Otherwise, there is nothing that will help you… sorry.

Okay step #2 Are you willing to work your way out of your money mess? Are
you willing to take a second job, learn a new skill that will help you make more money or even find a new job with a higher income? If yes, then you are set. Debt relief program are a reasonable option.

If not, if you have a lazyness problem. If you are not willing to go the extra mile to get caught up, well, you are probably stuck. Your situation is probably going to get worse and quite honestly, you are wasting your time even dreaming of being debt free. Don’t worry about debt consolidation loans or credit counseling.

No company can perform a debt reduction miracle ON YOU.

You should probably get friendly with the collection agencies and bankruptcy.

Again, sorry to be harsh, but it really is going to take you working hard to get the debt help you want. Whether it is with debt settlement relief services or debt consolidation companies, the person who is willing to work has a chance of eliminating even the highest interest rates, but the one who won’t, well… it doesn’t end well for them.

I am guessing if you are here, trying to learn, you are willing to put the effort into your future… so good luck with your debt relief program and please, let me know how it goes.

What is exciting is that it is actually possible to get out of debt. And you can certainly live debt free no matter how much credit card debt you owe.

But first you have to come to the realization that by just making your minimum payments your debt is not going to just vanish overnight. Just like it took time to rack up all that debt, it is going to take time, maybe even years, to work it off.

And winning the lottery is not a valid debt relief plan.

Getting out from under your credit card debts will take patience and determination.  Oh, and the down side, you have to learn how to stop using your credit cards and getting in more debt.

If you are committed to that, then work out how much you have to spend. This includes looking at ways to decrease your expenses and increase your income so that you not only have enough to live on, to pay your essential bills and make the minimum monthly payments on your debts, but also to start attacking your debt. You may even need to cut out any repeat billings that are not strictly necessary, like cable tv, gym memberships or news and magazine subscriptions.

After that, start to save. Before you can start the debt snowball you should make sure to have a minimum emergency fund of $500 – $1000 depending on if you are a single person getting out of debt or a family.

That money is for emergencies ONLY! Don’t use it on food or rent or any of the other basics, you have to cover those expenses from your income, but instead it is there for real emergencies like to repair your car if it breaks down or an unexpected illness.

Although the exact amount is not critical, the idea of having some money in a savings account is, so that when an emergency occurs, you will not have to borrow or use the money that you need for your planned debt snowball monthly payments.

After you have your expenses and income under control and your safety savings amount, you can start the debt snowball.

First, make a list of all of your debts, no matter how small. You have to include everything that needs to be repaid, even $5 that you borrowed from a friend. You might consider using the debt snowball calculator to help you arrange you debt repayment according to the next step.

Next arrange the list in order by the total amount you owe starting with the smallest balance and going up to the largest. You should end up with a list of debts that starts with the $5 you owe your friend and ends with your mortgage or whatever your biggest loan is. Remember this is about the TOTAL amount you owe, not the minimum monthly payments.

Now you will take any extra money that you have each month, the money that you were putting toward your emergency savings fund before – and start to pay off those debts, beginning with the smallest debt first.

I know, some personal finance information says to start with the highest interest rate debts first and while I agree in theory, it really doesn’t work in the real world because we are not motivated by things like living on a budget or saving a few pennies here and there with a practical “debt management” plan.

What gets us going is the sense of achievement that comes whenever we can cross even one small debt off our list.

Think about it, how would it feel handing that $5 to your friend compared to putting it toward the minimum payment on one of your bigger debts. The goal of the debt snowball is to keep you motivated to pay off your debts by having you actually experience the success of achievement associated with closing out a burdensome debt as often as possible, especially in the beginning.

And what is great is that as you go you can even make it a “game” and maximize the feeling you get by giving yourself a treat to look forward to whenever you pay off a debt. Of course you shouldn’t make it an expensive treat, but a little something you can enjoy adds to the excitement.

As a couple of family, the treat can make the saving and cutting back well worth it.

And after you experience the relief of paying off the first few debts, the snowball effect will make you never want to go back. That is why it is called a debt snowball – you start it off small and then it gets a life of it’s own and starts growing on its own off of the momentum you started at the beginning.

Are you ready to experience real debt reduction with the debt snowball to get yourself the best kind of debt relief? The kind you create yourself!

Want to share your experience with using the idea of the Debt Snowball, then drop a note in the comments below…

So what are the four steps to real relief that doesn’t end in bankruptcy?

#1 Get a grip on your finances.

At the point that you are asking the question, how can I find Christian debt relief from my credit card debt problems, you already suspect that you have a problem with your finances.

Whether it is too little money coming in or too many payments going out, the first step to getting a break from the frustration of Christian credit gone bad is to take an honest look at what shape your finances are in.

Knowing the truth about your debt to income ratios will go a long way in making step two not only productive, but safer. The worst thing you can do is go into step two uninformed. That is what leads to people who really need credit card debt relief being scammed by the ‘credit help’ charlatans out their.

#2 Face the facts.

If you are in over your head, the sooner you start looking for Christian debt relief programs the better.  Most likely you didn’t find yourself in this mess overnight and it isn’t going to work itself out without real debt management effort on your part.

If you want to multiply the results of your work to get out of debt faster, you will need a professional. Whether it is a Christian nonprofit credit counseling group or a Christian debt consolidation loan from your local lender, there are people who can help Christians assess your personal situation and develop a realistic plan that works with the resources you have.

#3 Go on a debt diet.

Once you have a plan to find Christian debt relief, you have to stick to it. You can’t fall off the wagon because of a new car, purse or concert.

You need to manage your money wisely. Get on a budget. Cut your spending. And most importantly work the plan you committed to in #2.

It was the only way I could undig from my financial disaster. And don’t get me wrong, at times it was horrible. But now that I am living debt free, all the pain I endured looking for just a little relief, is just a distant memory and the creditors that hound me no longer call.

And it’s not even that bad of a memory.  I am actually kind of proud that I did without somethings and postponed others. I think I am better for it.

#4 Stick with it.

Once you find the Christian debt relief from the crushing financial stress of being over indebted, don’t go back.

For me this isn’t a problem, I remember the suffocating pain of owing more than I could pay.

But for you, watching your sister or neighbor or co-worker get that new “thing” might be too much to take.

It might tempt you to fall back into a cycle of spending too much. Youmight say to yourself, it’s only a hundred bucks a month… or what ever. But it is all of those little bills that add up to the mountain of debt that you are looking for debt settlement relief from right now.

So don’t fall for it. You were made for more than getting stuff!

If you need the help of the Christian debt counseling company in your area, it’s okay. Get help and stay free!

That’s it. Four easy steps to finding real Christian Debt Relief!

Let me guess, you are looking for REAL Christian Debt Solutions

No the truth is that you are not alone. You would be amazed at the growing number of people around you who are in the same overwhelming financial situation that you find yourself in right now, looking for debt relief from their overwhelming credit card debt and consumer loans. because you have a problem with debt! Am I a prophet?

And they are all looking for real solutions that can change their life, just like you.

Now no matter what pious Christian advice you may have received so far in your journey to find help and real Christian debt solutions, I realize that the rising cost of food and health care and well everything is causing your credit cards to continually rise month after month because your income isn’t, am I right?

Well, imagine this… your world… debt free! No more bills piling up, no morestress about where the money is going to come from for just your essential spending. No more feeling the pressure of being stretched to the limit. And no more living paycheck to paycheck. You are finally experiencing the freedom God intended.

That’s the goal of Christian Debt Solutions…

To help you find the freeing relief that God planned for you from the beginning.

I am not going to load you down with dozens of bible verses that condemn you with commands like “owe no man anything but love”, because while it may be true and one or two or ten years ago it would have been nice to know, it’s just not helpful now that financial problems have begun to sink your dreams.

No instead, you will discover practical advice that will help you make real debt help decisions on how you should handle getting out from under your money trap. You will learn about the Christian debt solutionsyou have available. 

• Should you get a Christian Debt Consolidation  loan?
• What about Christian debt counseling?
• Or Negotiated debt settlement?
• Money and credit debt management services?
• Or even how bankruptcy can save you from your creditors and bad loans?
• But also, what does God say?
• What are the pros and cons for you, a Christian?

That’s what I want to handle here. I want you to be able to take a step back from the financial stress you are under, unload the burden of worry and learn how to make the best choice for you and your family. Because overdue credit cards and unsecured debt don’t have to rule your life and a simple debt reduction plan can make all the difference.

So, are you ready to break the trend of Christians in debt? Are you ready to take the first step for your own financial freedom?

Are you ready to finally get the Christian debt solutions you need whether it be consolidation, counseling or bankruptcy?

Then let’s go…

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