“Dear Steve,
I have small personal debt I want to eliminate, reduce monthly payments ect.. My biggest problem is my startup company that is in debt. In order for me to keep the company going until it succeeds I need to be debt free. I have borrowed alot of money for this company and I don t want it to hurt us in our personal finances. I want to keep it seperate if I can.
I want to download your debt reduction spreadsheet, but I can’t find it on your website. I want to start my plans as soon as possible. I want to attack our small personal debts, before I do the same for my company.
Thank you,
France”
Dear France,
I think what you are looking for is my free book Eliminate Your Debt Like a Pro.
Please update me on your progress by
You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up. Do you have a question you'd like to ask me for free? Go ahead and click here.
Filled out form, but haven’t heard anything back yet…..
Mike,
Not a surprising result and one I have seen many times. The cash goes in to savings and then come back out to meet expenses. Instead of a true savings account it become a revolving door.
The first step would be to try to get the interest rates as low as possible. Contact my friends here at Cambridge Credit Counseling and let’s see how low they can get them for you.
If that’s not goo enough we’ll move on to plan B.
Let me know the outcome of their proposed plan.
I’ve meticulously kept 6 months of “Where my money went” data. Using your new Budget Spreadsheet (glad it’s available online again), I know why I don’t get anywhere on my credit card debt. This black cloud hovers over me, and I AVERAGE $337 a month in the RED!!! I attempt to create an emergency fund, but by the end of the month, not only has life depleted it, I’ve had to go back to the cards to maintain. In 6 months, even though I’ve sent over $9000 in minimum payments, my overall balance has only gone down about $800! My average APR is 24.9575, and any attempt I’ve had at lowering them (via the wonderful people at customer service) is met with “Sorry, that’s the lowest allowed on your account”. Any suggestions what to do next? (Maybe I need those secret numbers to the M.A.N….).
I’d suggest building a worksheet from the book.
Any plans to create a new one, or should I just go ahead and use the worksheet from the book?
No, I could not find the old spreadsheet.
Were you ever able to find this?
Thanks. I’m trying to get everything in order before tackling my 42K, 18 card, credit debt……
I’ve got it on my list of this to do. Somehow I managed to lose the
original one in my move to England and back.
Steve
Steve,
I think what he’s looking for is the Budget Spreadsheet you mention in the book…..
I’m also interested in this spreadsheet.
Mike
Steve,
I think what he’s looking for is the Budget Spreadsheet you mention in the book…..
I’m also interested in this spreadsheet.
Mike
I’ve got it on my list of this to do. Somehow I managed to lose the
original one in my move to England and back.
Steve
Thanks. I’m trying to get everything in order before tackling my 42K, 18 card, credit debt……
Were you ever able to find this?
No, I could not find the old spreadsheet.
Any plans to create a new one, or should I just go ahead and use the worksheet from the book?
I’d suggest building a worksheet from the book.
I’ve meticulously kept 6 months of “Where my money went” data. Using your new Budget Spreadsheet (glad it’s available online again), I know why I don’t get anywhere on my credit card debt. This black cloud hovers over me, and I AVERAGE $337 a month in the RED!!! I attempt to create an emergency fund, but by the end of the month, not only has life depleted it, I’ve had to go back to the cards to maintain. In 6 months, even though I’ve sent over $9000 in minimum payments, my overall balance has only gone down about $800! My average APR is 24.9575, and any attempt I’ve had at lowering them (via the wonderful people at customer service) is met with “Sorry, that’s the lowest allowed on your account”. Any suggestions what to do next? (Maybe I need those secret numbers to the M.A.N….).
Mike,
Not a surprising result and one I have seen many times. The cash goes in to savings and then come back out to meet expenses. Instead of a true savings account it become a revolving door.
The first step would be to try to get the interest rates as low as possible. Contact my friends here at Cambridge Credit Counseling and let’s see how low they can get them for you.
If that’s not goo enough we’ll move on to plan B.
Let me know the outcome of their proposed plan.
Filled out form, but haven’t heard anything back yet…..