I am often asked for advice on how to get out of debt and how to rebuild your credit. The first part to remember is that you are not alone.

Many Americans are in the same position you are when it comes to debt. Its annoying, never ending and can keep you from achieving your goals, short and long term.

Being in debt is not bad, its simply a temporary phase as long as you understand that you are in way over your head and need to fix the problem.

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Savings It is a word that we all think about but that we don’t all care to do. When is it good to save and when is it good to indulge? How much should you save? How should you judge your ability to repay credit card debt? These are all very basic questions but are very important ones that this country and its people don’t ask themselves enough. If I took away all your credit cards; could you survive? Most people will tell you that they will, but the reality is that they are lying to themselves as they believe that they will always have these items available for them. What if this was all about to change? As we enter a global recession. Are you ready?

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Credit is also known as “debt” in this country. Unless you have been living under a rock, then you have noticed that this country is run on credit.

Almost all the small and large purchases you make in your lifetime will come into contact with a credit application, and yet has anyone told you what credit is, how it works, why it matters, and how it can work for you? Probably not as in depth as you wish so sit back and listen…

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