Debt Reduction

If you've got 'bad' debt, then getting on to an effective debt reduction program is your main goal. The Attracting Abundance Program is specially designed to help you achieve zero debt.

You've accumulated debt because you've been living beyond your means. That is, you've been out of control. You've succumbed to all the forces of advertising and the social norms that dictate that you should possess a certain type of car, or this type of furniture, or frequent these clubs, or visit this therapist....and the list goes on.

The Attracting Abundance Program has a built in Debt Reduction Program designed around your specific needs and lifestyle. It doesn't mean obsessive deprivation or excessive limitations on yourself.

It does mean gaining a very clear picture of your current situation and your irrational spending patterns. You could do this by creating a budget worksheet, but budgets will not work for you. You need to analyse your spending patterns in depth, and then look at yourself and reflect why you're doing what you're doing. Once you get to this point, amazingly, it's like having a cloud lifted from your being.

The Attracting Abundance Program will bring you through a self-analysis that you will conduct because it's for you. And you will see how curbing your spending will lead to the most effective and quickest debt reduction you have seen.

Once the fog begins to lift, you will notice changes in yourself. Most people report an injection of energy as if they had been asleep for years and they begin to understand where their true values lie.

Follow The Yellow Brick Road

Having a clear picture of your future means that all your efforts are concentrated on achieving your goals. This may be to have enough money saved so as to live off the interest paid on your savings. This frees you up do the work that gives you fulfillment.

This may be voluntary work for a good cause or it may mean doing community services without remuneration. Part of the Attracting Abundance Program is setting long term goals . The Vault is one of the tools that we suggest you use to assist you in getting your affairs in order.

Insurance is one area that we look at as well. We prefer to minimise the amount of money spent on insurance and to find a good balance with whatever insurances become absolutely necessary. This is another step in our debt reduction program and we recommend only the most competent advisers on insurance matters that are in tune with the Attracting Abundance Program.

If you follow the Attracting Abundance Program, you will:

• reduce your living expenses dramatically without depriving you of your lifestyle
• reduce mortgage debt quickly and efficiently, saving you thousands in future interest payments(bad debt)
• consolidate unsecured loans to reduce monthly payments and getting rid of debt if need be. (One method of doing this is to refinance your mortgage and pay out any or all of your unsecured loans to reduce your overall monthly payments and getting you on a debt reduction program)
• follow the 9 step process in achieving financial independence
• rediscover your values and create your life's purpose
• use 'good' debt to secure long term wealth using rental properties
• be financially intelligent enough to make the right conservative long-term investment decisions so as to secure your income - even if you stop working

Addicted to Debt

Being in debt is like being addicted to vices, like gambling, cigarettes and alcohol. Once you get on a negative downward spiral of being in debt, the negative thoughts and feelings you have will keep you and bring you further into debt. Your only way out is a debt reduction program before bankrupcy is knocking at the door.

It's the bad feelings of wasted effort that keep you in debt. All those negative thoughts that you generate when you think of how much money you waste on paying off debt are keeping you in debt, because you're really attracting what you think.

Think of it this way. If your hard earned money is going towards paying credit card interest, late fees and over limit charges, you're thoughts are occupied with all the negative aspects of having just blown all your hard earned cash on absolute nothing.

As I mentioned before, one of the most important things for you to work on is your mindset before doing anything else. This is where a couple of positive distractions can create positive thoughts and feelings that will help you generate more positive thoughts about your situation.

Start with working on areas of your life that may seem to have nothing to do with being in debt, but will assist you in going through the debt reduction process. Balanced, regular meals are so important in maintaining health and structure in your life. Exercise, especially cardiovascular exercise like aerobics, spinning or cycling will clear your brain and get that blood circulating. Use relaxation techniques like Yoga or Pilates to get yourself in tune with your body. People with debt tend to drink more alcohol - an expensive bad habit. Meditation will put you in tune with your Energy Source and give you peace and strength of mind, but only if you allow it to.

All these activities seem irrelevant to controlling debt, but when you've got control over your body and your mind, it's only a matter of course that you'll gain control over your finances and your life will be much more enjoyable.

These tips are all well and good if you put them into practice. None of what I suggest will work though , if YOU don't change your mindset.

Some people spend tens of thousands of dollars on self-improvement courses, to be no better off than when they started. If you want to make a change in your life you need to change some fundamental thought processes which are not allowing you to fulfill your desires.

There's only one program ever designed to help you break those bad habits that are not allowing you to attract abundance in your life. This Program is more powerful than any other and all of those self-development courses put together.

It's a program that has helped thousands of people from all walks of life and levels of income to rediscover themselves. The only way that they achieved this was by breaking their bad habits through analysis, awareness and recreation of their values. If you want to know how to do this, and start the simple 9 STEP PROGRAM and be on your way to financial independence, then visit the Attracting Abundance Program .

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