- Don’t Procrastin’ate’ – Take Action NOW
Stop hoping the problem will fix itself
- Uncomplic’ate’ Your Affairs
Get all the facts down on paper so it’s clear what needs to be fixed – You can’t mend what you can’t measure
- Create a Clean Sl’ate’
Create a ‘clean slate’ spending plan that ensures you can pay for your essentials
Better Deals Negotiate with your creditors to:-
a) Reduce Interest rates
b) Reduce repayment amounts
c) Obtain a repayment holiday
a) Sell non-essential items to pay down debt levels
b) Refinance multiple high interest rate debts to one low interest rate loan
Calculate your Debt-Buster ‘Snowball’ repayment plan to find the fastest way to pay off your debts
Protect Yourself from yourself – Arrange your affairs so it is difficult for you to mess things up e.g. Cut up the Credit Cards, Only shop with Cash, Leave your wallet/purse at home.
Celebrate! You are now on a financial journey to achieving your goals and dreams.