Achieve Debt Freedom 

In today’s world with MILLIONS of Americans living pay-check to pay-check barely making ends meet, debt freedom is only a dream. Many only dream about achieving debt freedom and eliminating credit card debt.

Many are just following the crowd of “BUY NOW, PAY LATER” never giving any thought to tomorrow. It is this philosophy that is robbing people of enjoying debt freedom.

How can we work our whole lives making millions over our lifetime and end up with little to nothing to enjoy? What is happening to our wealth? Where is it all going? Why are 96% of Americans retiring with little to nothing in saving, trying to live on Social Security?

Let’s me justify the statement of “making millions over our lifetime”. If you make 25,000.00 a year from age 20 to 60, that’s 40 years times 25,000.00 then you will have made a MILLION dollars.

Fact: many Americans are earning much more then 25,000.00 a year.

Now that you know that you are a millionaire (or will be one) how can you keep more of it to enjoy later and still enjoy today.

Use Debt Stacking to eliminate all debt. Debt Stacking will eliminate credit card debt, mortgage debt ,student loans, all debt in half the time or less.

To achieve debt freedom you need to have a plan.

Create a budget and stick to it.

A budget is critical to achieving debt freedom and importantly financial freedom. Think about it. If you don’t know where your money is going each pay-check how are you going to plan for your future. Don’t put this step off. Some think of a budget as a strait jacket, I look at it as a strait jacket remover. Many first time budgeters are amazed at where their money is going.

Tip: “Get a small notebook and write down everything that you spend for one week. At the end of the week examine where your money is going. You will be surprised at how the little items add up. Most people that I have counselled over the years find 30.00 to 50.00 in a week of spending that they did not realize before.”

It is important to realize every item that you spend your hard earned money today is affecting your future wealth.

Here is an example of what I am saying: Let’s say that you like to go out to eat, so you and your wife eat out three times a week. Being conservative lets say that it cost only 35.00 each time for a cost of 105.00 a week. This adds up to 420.00 a month.

• 420.00 cost a month.
• 5040.00 Direct cost for one year.
• 151,200.00 Direct cost over 30 years

There is nothing wrong with going out to eat; we enjoy a meal out just like everyone else. But you have to know the true cost. Then weight it out to determine if it’s worth it. This goes back to my earlier statement “that the decisions that you make today affect tomorrow” Now if you could cut just one night out a week the monthly saving would be 140.00 a month.

• 140.00 saving a month.
• 1680.00 saving for one year.
• 50,040.00 save over 30 years

Now get this : If you were to invest that 140.00 each month into a tax deferred account such as a 401k or IRA over the same 30 years, earning just 8% annually you could save 207,221.00.

To have debt Freedom

Debt-Stacking.com is here to help people wade through financial confusion and get their feet on solid ground. We enable people to enjoy life today and tomorrow.

Eliminate Your Debt Starting Today! With debt stacking!
See how a typical family is able to save $ 1,125,379* by creating a plan and sticking to it.

Typical Couple Debt Situation

Debt	Interest Rate	Current Balance	Remaining Payments	Monthly Payments
Home	7.00%	$138,972.00	352	$931.42
Auto 1	8.50%	$10,832.46	36	$350.00
Auto 2	7.25%	$14,597.97	47	$363.27
Credit Card	16.00%	$7,500.00		$150.00
Total		$171,902.43		$1,794.69

Years until payoff: 29 years 4 month
Total Paid: $380,402
Interest Paid: $207,472

Savings by following a very simple plan using DEBT STACKING.

	No PLAN	With debt stacking	Total Savings
Total to payoff Debt	$ 380,402	$ 255,928
Interest Paid	$207,472	$82,998	$124,474
Principals Paid	$171,902	$171,902	SAVING
Time to payoff Debt	29years	11 years	18.2 years off the time to out of debt
Retirement saving	$ 0.00	$ 1,125,379*

*Actual results may very from the results depicted above depending on your individual credit worthiness and financial planning strategy. Retirement savings calculated with 8% annual return on investing equivalent of current debt payments over 20 years.

Create your own plan to achieve debt freedom click here.