DEBT DIET

Have you ever heard the say; you can wonder into debt but, you can’t wonder out?

Well! Getting out of debt is like going on a diet—it may sound simple, but it sure isn’t easy. The only thing that really works is to spend less and save more.

Debt doesn’t benefit nobody, it doesn’t benefit your life, it doesn’t benefit a marriage or a family or your future. Just as in the past few years I’ve experienced the satisfaction of being fitted, I have also eexperienced the pain of being overweight. It has been a rollercoaster and emotionally draining! Is so much alike that debt also has its consequences. Here are a few reasons I think everyone should avoid debt:

  1. Debt makes you a slave/servant to your lender.
  2. Debt steals from your future.
  3. Debt hinders/makes it impossible sharing with others and practicing generosity.
  4. Debt erodes resources through high interest payments.
  5. Debt promotes impulse buying.
  6. Debt is like money leaking from your pocket or bank account
  7. Debt compromises your retirement
  8. Debt is like having winter all year round
  9. Debt controls your money not you.
  10. Debt is NOT sexy.


The number one thing we recommend to start you on a debt diet is having a game plan.

My amazing husband, Anuar, and I have experienced the incredible miracle of being freed from $47,000 in consumer debt. We purposed to get out of debt and made immediate changes in our lifestyle to accomplish this, and within two years we were debt free! Funny thing is, like I said; you can wonder into debt or even sometimes debt can creep up on you. Murphy has a way to make his way. No, sometimes you’re not even looking to getting into debt but, I guarantee you, if you don’t always have a plan for your money someone else will. We made up our minds, made a decision, prayed for God’s help, and found the strength we needed keep the commitment to become and stay debt free. Thus, the first step is to decide to become debt free and determine to do it God’s way. Read, how to payoff debt with a low income

Get on a budget.

We cannot stress this enough! We have tons of resources and ideas available here on our blog to help you with this, feel free to explore around and get in touch with us let us know how we can help and serve you best!

Write down your debt on paper from smallest to largest. Make a chart with the amount you owe on it, add to your monthly budget the amount you’re planning to pay each month, once you have processed that payment go back to your chart and make the changes.

We believe that following a regime will help you stay in charge but, more importantly will help you get out of debt a lot sooner. Read, the silliest thing I did to payoff debt.

What other plans have you implemented to get out of debt?

Have you ever been on a debt diet before?

leave us a comment or connect with us we would love to hear from you.

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3 Money Myths You Need To Ignore.

There is no shortage of bad information out there – and falling for some of it can cost you money. It could be other people who steer you in the wrong direction, or it could be the things you tell yourself. Whatever the source, believing these myths could be hazardous to your financial health. Not knowing truth doesn’t make it any better, in fact ignorance isn’t bliss! Ignorance is poberty. Our goal is to encourage you to get the truth behind these bits of financial misinformation. The following are three basic very common money myths.

Myth 1 – I don’t need a savings account because I have a credit card.

This is a surefire way to get into debt. A savings account is crucial because you can’t always plan for emergencies and the unexpected in life. Instead of charging medical costs, car repairs, and home improvements on your credit card, dip into your nest egg of cash and avoid debt altogether. The Bible doesn’t prohibit borrowing, but it does discourage it. Read The Secret to Saving Money

Myth 2 – I don’t need to pay my credit card off in full every month because I am building my credit.

This is a very common myth – that credit card companies want to see your ability to pay off balances steadily and over time. But this actually doesn’t do anything for your credit score! It just prolongs the amount of time you’re in debt and the amount of interest you are paying. If you use a credit card for cash back rewards or airline miles points, pay it off in full every single month. Commit to not be in debt, even if it’s for a short period of time. Read The Silliest Thing I did to Payoff Debt

Myth 3 – I don’t make enough money to have a budget.

You should have a budget no matter how much money you make. But if you live paycheck to paycheck or find that money is tight, it will be even more vital for you to stick to a budget. A budget allows you to know exactly where all your money is going so you can control it, instead of it controlling you. Read Budgets Are Designed to Help You.

What are some common money myths you’ve heard or known over the years?

Can you relate any aspect of this post to your current situation?

leave us a comment or connect with us we would love to hear from you.

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Three Behavioral Traits That Show Your Bugdget Needs a Fresh Start

Because many times people can get emotional about money, it is easy to make plans for the month on paper but, the minute one gets the money to do what is written on paper we forget and go back to the same unorganized ways of doing things.

If there’s an area to be discipline in our lives, is our finances. When we hurt financially, it is at times difficult to perform and even of greater difficulty to be the blessing God called us to be.

Keep in mind that scripture tells us the reason for possesions.

I cannot stress enough the importance of discipline with a budget and the ability to be good stewards. God is trusting us with little things let us be Faithful.

Your budget needs a fresh start

1. If you are not giving off the top.

If you want to get results with your money, you have to give. It’s as simple as that. When you give off the top of a well-managed budget, you may be surprised to find living on less can actually feel like you have more. That’s because managed money works harder. Charitable givingshould always be the first line on your monthly budget. Read Giving

2. If you are spending too much in one cathegory

Are you spending half your budget on takeout? Straighten out your spending by giving each budgeted category a specific percentage. Remember we recommend 10–15% for food , 25–35% on housing, 10–15% in savings, and 10–15% on charitable giving. And make sure your entire monthly budget—including clothing, transportation, insurance and entertainment—equals 100%. No matter what! We show you exactly how to do this on our Teachable online course you can access it here

3. If you are using the same budget every month.

Because there’s no such thing as “the perfect month,” a one-size-fits-all budget won’t cut it. You have to make a new budget every single month. It’s fine to look at last month’s budget for direction, but expenses change with the seasons. Set aside a specific time to review and revise your budget before the month begins and stop expecting an old plan to work for new expenses. Having good intentions with your money is a step in the right direction, but it won’t get you far. Reevaluate your budget and fix the areas that aren’t working. It’s never too late for a fresh start. Read budget

If you’re not sure where to start with zero-based budgeting or how to manage your money, check out our website www.redtogreeneconomy.com we got a lot of resources to help you.

Also, please stay in contact with us, you can find us here:

Yadira Lino Castro

Financial Wellness Consultant Facebook: https://www.facebook.com/ylino

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HOW TO BOUNCE BACK FROM A MAJOR FINANCIAL SETBACK

Financial setbacks inevitably happen to all us, these are not special gifts reserved for some and not for others, no, no, no, we all at one time or another face finanical setbacks. And if you find yourself dealing with a layoff, high medical expenses, forclouser or other setback, there are some things you can do to start the road to recovery. 

1. Acknowledge your current situation. This seems to be a reocurrent topic. The reason is, many of you are asking questions like, how do I move on? How do I start over? Or some of you even say, it isn’t that bad, at least I am better than other people I know. Well the truth is, unless you acknowledge you have a problem you won’t be able to fix. The best thing you can do if you are broke is admit it, look at yourself in the mirrow and say to yourself I’m broke.

2. Take responsibility. The easiest thing to do is blaming everyone else. From your parents, how you grew up, your education, your environment, your predicament, your job, friends, negative relatives etc. Maybe, is time to stop looking on the outside and it is time to start looking on the inside. Asses your situation, look at yourself and take resposibility.

3. Start where you are with what you have, make a game plan that works for you. Even though we all been through setbacks at some point in our lives, every situation is unique. If you’re in need of help get in contact with us www.redtogreeneconomy.com/contact we can help. Don’t be afraid to ask for help, Les Brown says, when you ask for help you don’t ask for help because you’re weak no, you ask for help because you want to remain strong. Create a plan that works for you, your financial peace/wellness is in your plan. No plan, no peace/wellness.

4. Work on yourself. Must people today work harder on their job than they work on themselves. Don’t missunderstand me you have to be diligent and do your best at work to earn your paycheck, but you have to be more than just a hard worker, you have to work on youself, grow as a person in order to bring value to the market place. Your income is in direct proportion to your personal growth, work on yourself

5. Make no excuses. Excuses are tools of the incompetent used to build monuments to nothing. Those who specialized on excuses wil never be good at anything else. Excuses don’t pay the bills. Start by making small changes, ask yourself what is something that’s within my power right now that I can change? And do that! Litlle by little, remember a little + a little + a little = a lot. You got this!!

For more tips read How to Live an Above Average Life on Your Terms.

What is a setback you faced in the past and how overcome? 

Can you relate to any of the tips mention here?

Kindly keep in contact with us at www.redtogreeneconomy.com also find us on social media we would love to hear from you.

HOW TO LIVE AN ABOVE AVERAGE LIFE ON YOUR TERMS

Even though no one sets out to become broke. A loan here and there, a bad investment here and there, and a couple hundred swipes of the credit card later—we’re busted, and we have no idea how we landed in this state. I look back at my life a few years back age …. and wondering how I got there? Totaly out of control hoping for things to get better, I had to take a hard look at my situation and had to make changes. For me staying the same was harder than the decision to change.
You don’t have to be living out of your car to be broke.

Broke is living paycheck to paycheck with no savings intact. Broke is being in debt up to your eyeballs. Broke is buying a brand-new $35,000 car because you can “afford” the monthly payments but not having enough in your bank account to cover a $1,000 emergency.

The funny thing is, we live in a society that calls this type of living normal.

Because of my decisions and where they took me we learned and we don’t do normal here. I decided to become weird. You want to break the mold and live like no one else? Here are some action steps you can take to turn the tide.

Live on Less Than You Make




This is non-negotiable, let others be wreckless, careless, and pretenders with their money not you, take a look at your take-home pay and outgo each month. Make a monthlyzero-based budget and you might be surprised by how much extra dough is slipping through your hands.

Grab that money and tell it where to go. You will start to feel like you’ve just given yourself a raise! Read The Sectret to Saving Money

Create a Game Plan

Take consistent steps to stay in your budget. Go over your budget every week, make your short, mid, and long term goals as part of your budget. Your short term goals should be achieve within a year. Your mid term goals 2 to 5 years. And your long term goals 5 to 10 years. Read Budgets are Designed to Help You Win

Increase Your Income
Look for side jobs you can pick up—dog walking, delivering pizza, freelancing. Or is there overtime available at work you could take on? Maybe it’s even time to get up the guts to ask your boss for a raise.

If you feel like you’ve reached the end of the road in your current field, consider looking at new career paths that may generate more income.
Read 10 Ways to Make Money on Your Spare Time





Begin With the End in Mind

Instant gratification will get you into trouble time and time again. If your potential purchase isn’t in the budget, back away slowly. Remember that making minor sacrifices now will pay off in the long run. Know what your end goal is, and then go after it!

Do the Math

A stay-at-home parent could consider going back to work, but look at the potential income versus the expense. Would day care costs rival the income amount of the new job? Be sure to crunch the numbers and see where you land. And don’t forget the things that can’t be seen in monetary value, like health care benefits, company reimbursements/discounts and other perks.
Be proactive! If you aren’t satisfied with your current situation, take a practical step forward. Submit your resume for that ideal job you’ve been dreaming about . Sell the car . Open your eyes to the need for change and then make it happen! Consider starting your own business and more importantly stay on top of your number but be consistent. Read Why You Need to Become a DIY Hero

The Silliest Thing I Did to Pay Off Debt

What’s the craziest, silliest thing you ever did to pay off debt ? Well me personally? You’ll probably laugh at this one but hey I’m debt FREE! And I’m going to share it anyway.

I’m seriously terrified of being in debt. Like seriously, seriously.

Growing up, I was told by  one of my aunts if you can’t buy things cash don’t buy them, you don’t need them. I took her philosophy seriously and I’ve done my best to stay out of debt as much as possible but, few years ago my husband and I were $47,000.00 in debt, we did everything in power to pay off our debt quick. It took us three to four years just on his income, one of the craziest things I did was collecting pennies, my mom would have a small bucket ready for me at least twice a month, those pennies were worth anywhere from $15 to $40 each time, I also picked up every penny I saw lying on the ground. It was crazy but our debt was getting paid.




 

Maybe you’re in debt today, it doesn’t matter how big or small, here are some tips of other things we did that might help you.

Step One – Get Together A List Of Every Debt You Have

The first step to pay off your is to know every debt you owe. This can be a bit overwhelming, but it is a necessary first step.

We started by pulling our free credit report from AnnualCreditReport.com, the only place where you get 100% free credit reports as authorized by federal law. You can pull your credit report from all three bureaus if you wish or you can simply pull one report from each bureau every 4 months if you want to monitor your credit for fraud. Either way, you’re entitled to one report from each bureau (Experian, Transunion and Equifax) per year.

This report will show you a list of all of the debts that you owe other than loans from friends and family. The balances owed may be a month off if your creditor hasn’t reported your most recent payment, but it will give you the big picture of who you owe money to.

Once you have this list of who you owe money to, it’s time to dig deeper to get the rest of the information you’ll need.

Step Two – Find Out Everything About The Debts You Owe

Now that you have a list of who you owe money to, it’s time to figure out everything else about your debt. Here’s a list of what you’ll need to know about every debt you owe:


      • Exact amount you owe
      • Payment amount
      • Frequency of payment (monthly, quarterly, etc)
      • How many payments left (if fixed term debt such as a mortgage, student loan or car loan)
      • Interest rate and whether it is fixed or variable
        • If variable, what the rate is based on (prime rate, LIBOR, etc)




    • Due dates
    • Grace period (if applicable)

    Where do you get this information? To find out how much you owe, check your most recent statements.

    For everything else, you’ll need to do a little bit of digging. For loans, check the loan documents you signed. If you can’t find the loan documents, try calling the creditor or log in to their website and check your account details.

    For credit cards, check the terms you agreed to when you signed up for the card. You may also be able to find this information online after you log in to your account on the credit card’s website. If you’re having trouble understanding the terms, call the number on the back of your credit card. A representative will be more than happy to help you.

    Step Three – Assess Your Debt Situation

    It’s time to look at the big picture now that you’ve figured out all the details on every debt you owe. It probably won’t be fun and it could be just plain ugly, but you have to do it to move forward.

    First, add up the total amount of debt you owe. The number may be scary but we’re going to work on knocking it down, so don’t worry too much yet.

    Next, take the amount of all of your monthly payments and add them up. This the minimum amount of money that you owe on your debt every month. Again, this can be overwhelming, but you’ll be able to knock this down as you pay off your debts one at a time.

    Step Four Choose a Debt Pay-Off Plan

    There are a few different debt pay off plans you can choose from.

    The snowball method requires you to list your debts from smallest to largest and pay them off in that order. You pay all of your minimum payments and throw everything else toward the smallest bill. This is a great method for anyone looking for instant motivation and is the method I used when I had credit card debt.

    Check out The Total Money Makeover by Dave Ramsey

     The second method is the debt avalanche. With this method you’re paying off your debts from largest to smallest interest rate, therefore saving money over the long run. (You’re still making minimum payments on everything else.)

    There is no right or wrong way to go. The method you choose will depend upon your personality.

    Step Five Trow Extra Cash at Your Debt When Possible

    Chances are sometime in the year you will get a bonus or a raise or at the very least a tax refund. When you do, don’t spend it. Use it to pay off debt.

    The tax refund is easy. Just use the entire thing to pay off a credit card or apply to student loans. The same goes for any bonus you may receive at work. Often, these come during the holidays, so don’t be tempted to spend the money on gifts.




    Chances are everyone in your life already has everything they truly need.

    As for a raise, have the extra money immediately put in another bank account. You can then dip into this money every few months and use it as a lump sum to pay off debt. If you do it this way, you’ll never miss the money in the first place.

    Step Six Have a Garage Sale

     Most people have houses or apartments full of unwanted or unneeded items. Now is a great time to sell them. Whether you want to throw them up on Ebay or Craig’s list or have a yard sale, get them out of your house and free up some room. You’ll also end up with extra cash in your pocket that you can use to pay off your debt. When it comes to how to pay off debt quickly, this is one of the easiest ways. If you don’t think you have anything to sell, look again.

     

    Also, don’t forget that one person’s trash is another person’s treasure, so don’t assume no one would want to give you money for that ugly Christmas sweater or that vase you got as a wedding gift ten years ago from Aunt Judy that you’ve always hated.

    Step Seven Find an Extra Job

    This is absolutely fine I’m sure you are busy enough but don’t dismiss this idea your goal is to get out of debt and get your peace of mind. Even a few hours a week can provide you with a decent amount of cash to use to pay off debt, and when it comes to how to pay off debt quickly, sometimes we have to do things we don’t really want to do.

    If you use all of this second income to pay your debt, you’ll see a huge difference quickly.

    Make sure this second job is something that is stress-free. This is especially important if you have a stressful full-time job. The job doesn’t need to be glamorous and while you might not love it, just keep in mind that a little short-term extra work will pay off big sooner than you realize.

    Step Eight Work Overtime

    If you have decided one job is plenty, thank you very much, then instead of finding a second one or creating one for yourself, check with your employer to find out if you can get some overtime work.

    The advantage here is you already work there and you know the lay of the land, so to speak. If your company is short handed, then they will be thrilled to help you out and might even give you a raise in the long run for being a team player.

    Step Nine Start a Side Business

    While this is related to a second job, in my humble opinion it is a little better because you’ll be working for yourself. When a lot of people think of a side hustle they think of working online and that’s certainly an option.

    However, if you’re not the kind of person that is tech savvy or you don’t like to write, then don’t forget about everything you can do offline.

    For example, you can make money doing almost anything. You can mow lawns, deliver groceries, clean houses, the list is endless. The great thing about this is you can choose your own hours and how much you




    Step Ten Don’t Forget to Get Creative and Enjoy Your Debt FREE Life.

    Have some creativity, chances are you’re good at something. If you work on your craft and get creative you will achieve your dream of living a debt free life. Op out from receiving offers in your mailbox

    Nothing is more annoying than pulling up to your mailbox after a long day of work and finding it filled to the brim with junk mail credit card offers. Every day, credit card companies fill up our mailboxes with needless junk that is immediately rerouted to the shredder or trash can. But here’s great news: You can make them stop! It’s actually very easy to stop receiving unsolicited junk mail credit card offers. All you need to do is visit optoutprescreen.com, type in your information, and you’ll stop receiving these offers for five years. Or, if you use traditional mail to send in the form, you can opt out for 10 years.

     

    It’s simple. No more credit card junk mail for you, no more wasted time for your mailman, and no more overheated shredders and filled-to-the-brim trash cans.

    Don’t forget to live within or bellow your means, this is so important not just while you’re on your debt free journey but always. That’s how you’ll be able to enjoy peace of mind and even build wealth.

    What’s been the craziest thing you’ve done to pay off debt?

    Also while you are here download a free copy of our 45 Practical Ways to Save Money Every Day E-book.

    please share our resources and stay connected with us on social media we’ll see you around.

    Meet Eboni Phillips, She Went From Being Bankrupt To Educating Herself To Teaching Others About Credit

    Eboni Phillips Went From Being Bankrupt To Educating Herself To Teaching Others About Credit

    This post is courtesy of LadyBossBlogger

    Posted by Elaine Rau

    Eboni Phillips has seen poverty in its rarest forms, from sleeping in the back seat of cars to getting them repossessed, Eboni knows exactly what it’s like to be less than credit worthy. After countless experiences with trial and error, she decided that she would use her experience with bad credit to help serve the community and educate others about being financially integral. Read our interview with the lovely Eboni below…





    What motivated and inspired you to start your own business?

    Well I had no idea I would be a credit specialist. I’d had issues with credit for years. I found myself severely depressed sometimes knowing that I couldn’t get an apartment or vehicle without a cosigner. I sat down one day at a dealership with a car salesman and was told “you need to file bankruptcy” I decided then that credit would not be a hindrance any longer. I was my first client. I applied what I learned to my situation and saw results immediately! I then went on to help family and friends and decided that “serving” others in the area of financial empowerment was my lane. As far as walking away from corporate America to pursue my passion full time, I knew that my potential was bigger than the cubicle that I sat in every day. There is a misery that comes along with not utilizing your full potential and I felt that misery daily. The thought of working 35 years just to survive wasn’t too appealing to me, the glass ceiling on my pay scale drove me crazy… I decided that I wanted to leave a legacy that proceeds me and entrepreneurship was how I would create it.

     

    Tell us about your business.

    I own and operate Elite Credit Consultants LLC. Our purpose is not only to restore your credit but to give you the tools and essential education necessary to maintain your credit score long after your time as a client with us. I get extreme satisfaction from educating and empowering consumers in the area of credit management. Not only do we focus on disputing inaccuracies but we sit down and have in depth conversations with our clients to figure out where the weak areas are and how we can strengthen them in those areas. Elite Credit is more than a business, it’s a lifestyle!

     

    Are you currently running any promos/contests/giveaways that you would like our readers to know about?
    Yes. Currently I am offering 15% off all new client enrollment until May 1st.

    List awards/certifications/accomplishments.




    I am a board-certified credit specialist and credit score analyst through the Credit Consultant’s Association.I will have my Degree in Economics in May of this year.

    Where is your business based?

    We are located in Ypsilanti, Michigan.

     

    What were the first few steps you took to get your business up and running?

    The first thing I did was research the requirements to work in my field legally in the state of Michigan. It is very important to be PCI compliant in my industry.Next I researched ways to get certified, even though it is not required in my state I just believe in credentials. I studied hard and passed two exams to become a certified credit specialist and score analyst. I then became my first client.I applied for my articles of incorporation and EIN number.I created a Success (Business) Plan.

     

    What has been the most effective way of raising awareness of your business and getting new customers?
    Social media has been a great help with getting new clients, but honestly referrals are the lifeline of my business, without word of mouth I don’t think ANY credit business will stand for long. I also understand the scripture “Faith WITHOUT works is dead”. Everything that I do in business is a faith move, I put in the work and I allow faith to produce the end result.

    What have been your biggest challenges so far?

    My biggest challenge so far has been owning the fact that I am an influencer to the nations. For so long I thought I didn’t deserve to be blessed, so I guess just coming into the realization that greatness is in my life and that there is nothing or nobody that can change that has been my biggest challenge to date… We sometimes can be our own worst enemy.
    How did you overcome these challenges?

    Entrepreneurship is not for the weak and sometimes you will get discouraged. I implemented lots of prayer, fasting, and meditation on what the word of God says about me! I also began to speak positive affirmations over my life and business daily.

     

    How do you keep motivated through difficult times?

    I worship in times of difficulty… I know how to pray it through. I have learned the secret to living and that is to be grateful in all situations, to always give thanks, and know that you are your only competition. My daily goal is to be a better version of myself than I was the day before.

    How do you distinguish yourself from your competitors?





    When you’re a real leader, you know that you have no competition. I don’t mind others taking a seat at my table because I know we are all going to eat. We are all playing for the same team. I am SAVED. I use my entrepreneurship platform as a tool to evangelize and bring people into the knowledge of Christ. If I’m not helping to increase the kingdom, then what I’m doing is for nothing. I stress the importance of what the Bible says about debt and money when I educate… I make it a point to always point people back to God.

    What is the best advice you have received recently?
    Be CONSISTENT… Sometimes when we aren’t getting the results we think we should be getting, our consistency in our craft dwindles.
    What advice would you give to other entrepreneurs?
    KEEP GOING… GO ALL THE WAY. Believe in yourself and your gifts. See yourself and your service as an asset and not liability. When you make the decision to be an entrepreneur, you decide to accept the process that comes along with it, and nobody said the process would be easy or fun… but it will be worth it. You’ll thank yourself after.

     

    What is your favorite business tool or resource?

    My favorite business tool is Facebook live right now for the sake of my financial tip Vlogs I record every Tuesday. I’ve fallen in love with periscope though, so soon I will be taking my talents to that platform. What social media outlets do you use? List them below.

    Instagram @thecreditqueen__
    Facebook www.facebook.com/Elitecreditrecovery
    Facebook Group www.facebook.com/groups/555346381333371
    Website www.elitecreditconsultant.com
    Email elitecreditconsultants@gmail.com
    Hashtags #EBONIINSPIRES #ELITEEFFECT #IFIXCREDIT

    What is a good article or book you have read recently?
    I am reading the book “Angel Armies” By Time Sheets.

    What are you currently learning about for your business or looking for help with?
    I am working on an extension to my business through the avenue of real estate… I will be licensed to practice and assist first time homebuyers by the end of the summer. I’m always looking for mentors to further my education in my field but until I find one with a like mind, I will continue to self-educate and attend trainings.

    What are your goals for the next few months and how are you striving to achieve them?

    In the next few months I plan to have my Real Estate license, College Degree, and increase my social media following and conversion rate. I have my blinders on, I’ve never been so focused and determined to succeed. I will be consistent in my studies and post fresh relevant content daily on my social media outlets.