So there’s this guy, Scott, who has developed an ultimate guide to getting out of debt. Sure, I’m as skeptical as the next guy but after looking over the information I was left with a problem, it looked pretty good.

His information page actually contains a bunch of information that you don’t normally see which led me to believe that he at least knew what he was talking about.

Now the rest of the information Scott promises to share with you, take a look for yourself and see if you’re willing to get under the voer and see what you can learn.

Here is what he promises:

Here’s just a small taste of what you’ll learn in this powerful new course…

What People Usually Say About Getting Out of Debt

All day, every day, I read and hear the same pleas and wishes from people that want to get out of debt. See if any of these sound familiar to you.

“I need fast help in gettin out of debt for free.”

“We need help getting out of debt to buy first home.”

How to Get Out of Debt Fast

The only real way to get out of debt fast is to win the lottery or have someone die and leave you a lot of cash. Without borrowing money you will need a sudden injection of enough cash from some external source to make that dream happen.

So let’s get real here.

The ABC’s of Getting Out of Debt

Getting out of debt is truly not rocket science. In fact I’ve even helped people that were rocket scientists to get out of debt. Getting out of debt numerically is a simple exercise. If you need to make the numbers change all you have to do is spend less than you make and take part of the difference and use it to pay down your debt.

Oh if it only were that easy.

You see money problems are not about the amount of debt you have. They are about the choices and reasons why you got into debt in the first place.

Some people say that the debt was caused by an unexpected life event like a job loss or accident. In many cases the person was living close to the financial edge without any savings or investments and when one or two paychecks were lost, Kablam, they got in a jam.

So in that case the job loss was not the cause of the financial problem, the lack of savings and preparation was the reason that the financial problem exists. With ample savings in the bank a temporary reduction in income or unexpected expense would be annoying but not totally financially destructive.

A - Acceptance
The first step to really get out of debt is to see and accept the reality of your situation. Continued bargaining with yourself about the reality of your situation only prolongs it, not change it. The quicker you accept that you are in debt and need to pay close attention to getting out of debt and are willing to make changes to do so, that’s when you begin to get out of debt.

B - Behavior
Getting out of debt requires a fundamental behavior change on your part. You need to be ready, willing and able to change your behavior that led to your getting in debt in the first place. Take a close look at your spending. What do you spend extra money on and why?

It can be easy to locate extra money in your budget each month when you identify where money is leaking out of your pockets. For example, a daily cuppa exclusive coffee can wind up costing you $100 or more a month. And when you find your month too long by $100 it really isn’t due to not enough income, but how you elected to spend the income you do have.

I’m not saying that you need to kill Starbucks coffees out of your life, but maybe there are some cheaper alternatives for coffee or upon evaluation you may elect to stay with the designer coffee but cut it back.

If you are going out 8 nights a month to the clubs, why not do the same thing that you love to do but only go out 4 times a month instead? You’ll still have fun and cut your bar bills in half.

C - Conviction / Commitment
You must be committed to achieving your goal to get out of debt. Getting out of debt is slow and methodical work. Even if you got a debt consolidation loan you’d still have to pay it back. Nothing is going to change the month after month payments to get yourself out of debt.

The Secrets to Getting Out of Debt

The big secret that people never tell you about getting out of debt is that there are no secrets. It’s just boring, repetitive work that slowly but surely will dig you out of the hole that you’re in.

For years companies have been promoting themselves as christian credit counselors or offering christian debt consolidation loans or christian debt consolidation help.

I have found the help offered to be hypocritical and the use of christian debt counseling to be more of a sales tool rather than a fundamental change in the way these services are delivered.

Paying Attention to Christian Values When Getting Out of Debt

Paying attention to christian values when getting out of debt is a good thing. Returning to your roots and beliefs can give you a solid foundation on which to build your new financial life. And focusing on putting those things that you feel create a cornerstone of your life first, is emotionally rewarding.

But where the trouble lies is when those that are providing you with get out of debt services that are advertised as being Christian, fail to be honest with you about the realities of those plans.

For example, christian credit counselors often fail to be clear that they are compensated by the creditors based on how much money they collect from you. This is a crucial fact that should be completely out in the open for you to understand how the trust you place in a christian debt counselor may be tainted by their allegiance to the credit card company.

What does the bible say about serving two masters?

The True Christian Approach to Get Out of Debt

The true christian approach to get out of debt would place your trust in God through prayer and belief first, your duties and obligations second, and to then deal with what is left in a pragmatic way based on faith.

This means that in getting out of debt all you can do is all you can do. If you believe in tithing then your tithe should come of your income first, next you should treat the rest of your creditors fairly and equally and divide up the remaining money on a fair basis based on the percentage of debt.

Speaking of tithing. Ask your christian credit counselor how much of their income and the income of the christian debt counseling company they provide on a monthly basis.

Following this approach their will be consequences, you may not be able to afford your full mortgage or rent payment and find yourself out on the street, you may lose your car, your credit report will suffer and you will get bad credit. But is it better to serve your creditors fairly and equally or to place one ahead of another for your own gain or benefit?

Is a promise and obligation to repay a credit card company more or less important than paying your full mortgage payment? If you said that treating the credit card company differently and placing them second was the christian thing to do, where in the bible does it state that promises come in different levels or intensities?

If you are strong in faith then through prayer and belief won’t God provide for you and isn’t doing the right thing more important?

Christian Debt Solution and Consolidation Loan Issues

The concept of a christian debt consolidation loan seem a bit foreign to me. And I do have a problem with those that promote christian debt consolidation loans since I don’t feel they are completely open and honest about providing you with complete information on how they are compensated for those loans.

In making money by generating the debt consolidation loan it is very easy to put the desire for income ahead of the appropriateness of the loan. This can create a conflict in the christian approach of doing no harm to those you serve.

Those that provide access to debt consolidation loans are paid by the lender for generating the loan. This is a material fact for you, as the consumer, to be aware of, but it is poorly disclosed by those that profess to be providing christian debt relief through christian debt consolidation loans.

Christian Credit Debt Counseling

Many churches offer a self-guided or community supported approach to get out of debt. These programs appear to be rooted in christian beliefs first rather than a commercial process hidden under a christian mask. This seems like the purest approach you can take, rather than looking for a christian way out of debt through a charity or commercial company hyping that they deliver christian debt consolidation or christian debt relief services.