Finding solutions to credit crisis through communities.

1. c r i s i s starts when …

2. What happened to those grand plans for our future ?

3. Will we be able to return it?

4. Time To Seek Help What should you do? You need a clear picture of your financial standing.

5. Make this Debt List. NOW! Debts Minimum Payment Rates of Interest Outstanding Amount Mortgage Auto loan Credit card 1 Credit card 2 Credit card 3 Other loans

6. Calculate Your Disposal Income Look through your “Debt List”. Pay the higher interest rates debts. Do this Amount Note 1) Total up Income From all sources 2) Minus Expenditure Needs not wants 3) Pay Debt Disposable Income Keep some for unexpected expenses.

11. Make a Balance Transfer? Get a Debt Consolidation Loan? Know the “Annual Percentage Rate” (APR) Pick one with the lowest APR. 10% rate means you’ll pay $10 per $100 you borrow annually. Compare APR: 10% 18% 20% Check the Annual Percentage Rates (APR). It is a good standard for comparing the percentage costs on different loans given by banks. Are there balance transfer charges?

14. Taking up another financial obligation? What’s your purchasing power ? Calculate your debt to income ratio: Monthly Debt ÷ Monthly Income 37% to 40%: High debt-to-income ratio. Above 50%: Living on the edge! Assess your financial health first before you spend! Feeling much better? Don’t put yourself through another financial stress.

15. Remember how you got into this mess . illness? divorce? sudden loss of job? overspending? It t he Joneses’ fault?

16. The wedding of the year? Let’s go for the best retirement plan for our golden years. A bigger house? We can upgrade when the time is right. Get the latest, again? I am comfortable with what I have. A dream holiday? Not now. We can save for it. Work harder. Get a scholarship. Study overseas? The unexpected. Let’s save for that. Chang your attitude. T he Joneses are as broke as you are.

17. I need more information. Where can I go?

18. This is where I discovered the solutions for clearing debts. Heard of debt free community? It’s a place for debt struck people to seek help.

19. Been there done that! I share my experiences. Read my postings on the forums. Some of my articles may help you. Who are they?

20. They are Community Members Ask us a FREE question yesdebtfree.org

21. Join to ask for help… … or share experiences.

23. You don’t have to sign up to check them out. Could this be a scam?

25. Think you can do better than that? Appreciate what you read?

26. Question of the Month How do you control stress at the time when you are trying to get out of debt? Funds from answering “ Question of the Month” Winners will be awarded $50.

27. Or join as a Debt Samaritan Club volunteer My calling is to rescue the debt struck people from the clutches of debt.

29. BE A STAR Post in the forums. Gain some points. 1000 points=$10 CASH IT Help Debtcc Members in need. be a SUPERSTAR Give away some points.