If you're struggling with debt this presentation will teach you 10 things you could give up to pay it off faster. Most of these suggestions are small things don't require much of a sacrifice

1. Helpful Financial Information from National Debt Relief …
10 Things You Could
Give Up To Pay Off
Your Debts Faster
Despite the rising confidence
of consumers towards our
economy, it remains a fact
that we need to continue
working hard to finance our
debt payment fund. Recent
data from the Federal Bank of
New York revealed a
continuing rise in consumer
debt. The number itself is
already alarming. If you take
into consideration the long-
term effects of debt, you will
realize just how important it is
for us to lower our current
debt level. (Continued)
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2. Helpful Financial Information from National Debt Relief …
An article published early this March on USAToday.com revealed how student
loans are expected to have a long-term impact on our economy. The article
mentioned how more 40 million Americans owe $1.2 trillion worth of student
loans. It has now surpassed all types of consumer credit - save for housing loans.
It is a devastating picture for young adults to be so buried in debt even before
they have a chance to prove themselves in the corporate world. While this may
drive them to work harder to finance their debt payment fund, it puts them in a
compromising position when it comes to investments. At an age when they
should be driving their own vehicles, they can’t afford it. Home ownership is also
something that is delayed because of this debt. Instead of buying their own home,
they are forced to live with their parents just so they can save up and pay down
their student loan debts.
If you scrutinize the statistics about debt, you will realize that we need to look
for extreme measures to our increase debt payment funds. But in some cases you will
realize that the changes do not have to be too drastic. You can make a little
sacrifice here and there and it can add up as a huge amount in your monthly
credit payments.
10 things you can eliminate to have more money for debt payments
Whether you are in the midst of or still trying to survive a looming financial crisis,
you should know that no small feat is too little for you to try. Do not think that
the small savings you get from simple changes will not matter. When it comes to
your money, cent matters.
Given this, here are 10 things that you may want to consider eliminating to help
you grow your debt payment fund.
1. Dine out less. Compared to the frequency that we spend eating in our
homes or in restaurants and the amount that we spend on each, you need
to realize that the latter costs us so much more. If you are used to grabbing
that take out every night - you need to change that habit. Just do your
grocery shopping every weekend and then cook your meals at home.
2. Brown bag your lunch. Another simple change that can add up to be a
huge addition to your debt payment fund is when you brown bag your
lunch to work. If you do not like cooking in the morning, you can prepare
your lunch at night. Just heat your food in the microwave when you get to
the office. That will really cut back on your daily expenses by $5-$10. If

3. Helpful Financial Information from National Debt Relief …
you compute that at 25 days a month, it will add up to $125 to $250. In a
year, that can add $1,500 to $3,000 towards your debt contributions.
3. Cancel gym memberships. Ask your local community center if it has its
own gym equipment. You can utilize that to save on gym membership fees.
This can save you around $100 a month and you do not have to sacrifice
your exercise routine. You can also access training videos via
Youtube.com. Jogging and making use of your trusty bike can also help
you with your cardio exercises.
4. Bundle your Internet. You do not have to cut your Internet subscription
but you may want to bundle it together with your phone or cable
subscriptions. The savings will not be as great as your other options but it
can add up.
5. Cut the cable. Some people think that they cannot live without a cable
subscription when it fact, they can. If you find yourself wanting to catch
the latest sports event, why not organize a get-together at a friend’s house
(who has cable) and watch as a group? Not only will it cost you less, it will
also give you a chance to bond with your friends.
6. Eat healthy. If you are wondering how you will cut down on food costs,
prioritizing healthy food choices will do the trick. Believe it or not, the
unhealthy foods are sometimes the ones that cost you unnecessary money.
Why not cut back on potato chips, soda, chocolate and other junk food?
Concentrate on rice, beans, vegetables and oatmeal. These will fill you up
without having to eat a lot. Not only are your saving, you’re making
healthier food choices.
7. Avoid new clothes. Unless it is really necessary, do not buy new clothes.
Who cares if you wear the same thing over and over again? With all the
tips you can see online or in magazines, you can accessorize the same
outfit and make it appear like you are not repeating your wardrobe.
8. Buy used everything. From furniture to clothing and electronics, you may
want to consider buying only used things from now on. At least, until you
have paid off your debts. If you really have to buy clothes, just buy used
and whatever you save you can add to your debt payment fund.
9. Use coupons. For some people, coupons have become their way of living.
We even have reality shows dedicated to this purchasing tool. The dollar or

4. Helpful Financial Information from National Debt Relief …
two that you save for every purchase can really boost your credit
payments.
10. Lower car expenses. You do not have to go to the extreme by getting rid of
your vehicle but you may want to stick with just one. Not only will you
benefit from the sale of the second car (if you have one), you will also cut
back on costs when it comes to insurance, gas, car repairs, etc. You can
check how much your car will really cost you if you go to Edmunds.com.
They have a true cost to own calculator that can really help you out.
You can opt to choose only a few from these or you can come up with your own
set of saving strategies. Do not worry about the amount at first. No matter how
small, remember that it will all add up in the end.
Pay off debt fast to avoid the negative side effects
The Bank for International Settlements published a study on BIS.org that
discussed the effect of debt in general. The study revealed that when you borrow
in moderation, debt can improve your personal wealth and aid in the growth of
your finances. But if it is already too high, it can be destructive already. The study
mentioned that for household debt, 85% of the GDP is the limit. Anything more
than that can drive the consumer down.
In truth, debt can dictate how you live your life. If it eats up a huge portion of your
income, you cannot do anything but comply. Even if you want to move to a new
job, you need to make sure that the income is enough to pay for your debt
payment fund.
But beyond all of this is the alarming effect of debt in your emotional well being.
Here are some of the negative effects that you can expect from being in debt.
• Debt stress. This is a serious problem that borrowers are facing. It can
affect not just your everyday disposition; it can also affect your health.
• Relationships. Money is a powerful influence in a marriage, or any
relationship for that matter. If you are not careful, you could end up
putting a serious strain in the relationship if you do not deal with your
debt.

5. Helpful Financial Information from National Debt Relief …
• Delay financial investments. Another effect of debt is it can delay your
personal wealth. It can keep you from investing in a car, a business or a
home. That will seriously set you back.
These are more are some of the reasons why you have to work hard to grow your
debt payment fund. Deal with your credit situation before things get out of hand.

6. Helpful Financial Information from National Debt Relief …
Does this sound familiar?
• You are tired of worrying about money…
• You are losing sleep due to mounting credit card
debt…
• You are fighting with your partner about the
bills…
• You are living paycheck to paycheck…
• You are falling behind on your debts…
• You are losing hope…
It’s time to talk with National Debt Relief!
Call Toll Free 1-888-703-4948 Now!
Or Go To http://NationalDebtRelief.com