No matter where you look, you're hit with advertisements and commercials guaranteeing debt relief. According to many of these ads, you can be out of debt in a year or two, without changing your payments, or by paying less every month! Or, even better, you can get your tax return early, and use that to pay off your debt. But why not just go shopping with it instead?
You can buy what you need (want?) with that "free money" and not go further into debt, right? Yeah right!
As you've probably already guessed, it's not exactly guaranteed. There are some big problems with many methods of debt relief you hear advertised. The biggest problem is that they're trying to put a financial band-aid on a behavioral broken limb.
However, don't get me wrong, it can certainly be done. Getting out of debt by yourself may not be as hard as many people and companies want you to believe that it is. Many companies have ads on television and online that tout their abilities to get you out of debt quickly and easily, but getting out on your own can usually be just as convenient, as long as you have a plan.
Getting out of debt is actually the easy part. The problem is, that the majority of people get into debt very quickly and never really learn how to get debt free afterwards. The most basic idea to being without debt is to not en cure it at all. But, the life style that we have chosen and has been bombarded into our minds through media and our parents not fully explaining to the younger generation that it is much wiser to pay for things only if you can afford it!
My advice to you is to START SMALL! Try the cheaper do-it-yourself programs first and work your way up before you go and take out another loan to hire a professional debt relief service.
From my personal experience with escaping debt, I honestly suggest you visit Debt Relief America Learning the techniques found there was the turning point for me, and I think it will be the same for you.
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