http://www.billfreetoday.com/debt-free/become-debt-free/be-debt-free/ Be debt free - In this era of unlimited choice, it is not difficult to navigate your way to a place where you can be debt free. en-us Fri, 20 May 2005 15:27:40 EDT Fri, 20 May 2005 15:27:40 EDT Weblog Editor 2.0 Do you have dreams of someday arriving at a brand new plateau - the ideal place to be debt free? Turn this dream into a reality. It's not as difficult as you may think. To be debt free involves planning, strategy and determination. Does this describe how you are currently feeling? On the Path to Be Debt Free If you are set on your path to be debt free, jaw set in determination, sleeves rolled up, mashing grit in your teeth - you have arrived. You can take advantage of the infinite supply of debt management programs (DMPs) which have cropped up and taken the nation by storm. Indeed, the reason the DMPs are so popular: because they work. You too can join the ranks of the debt free by starting right now. What will you do? Educate Do the math Strategize Eliminate Become debt free New Beginnings Ready, get set, go debt free! You're on your way to the top! You too, will be debt free. Read as much as you can about current methods to be debt free. Read until you vomit. When you've reached your saturation point - start figuring your debt-to-income ratio - in order to hone in on which method will work best for your specific lifestyle needs. A debt-to-income ratio is very easy to configure. Just add up each and every balance to one grand, frightening total. Now contrast this to your incoming salary. This is how you can see what type of shape you are in. If the numbers are staggering and you feel like the debt will be too much - you can look into some of the DMPs which feature certified credit counselors who can negotiate your account balances down and help you come up with a manageable plan. But, if you feel like you just need a little discipline and focus, maybe some credit report inquiries and corrections if there is any inaccurate information - you may be debt free sooner than you know it. Fri, 20 May 2005 15:27:40 EDT