How to Get Out of Debt: Get an 'A' Credit Rating for Free Using the System I've Used Successfully with Thousands of Clients

5 Tips to Survive the Economy The economy has caused many Americans to make unwise decisions without taking the time to get all the facts and do research which can have a devastating effect on a family. A plan should be developed to weigh the pros and cons of any decision. Having the proper tools can assist with your current financial situation and ensure you survive in this recession. Here are 5 tips to survive the recession. Protect your investments - call your broker and adjust your portfolio to limit the effects of the recession and money lost during this time. Ensure your portfolio is adequately diversified. Stay calm - don't make rash decisions based on your emotions. Before making any changes think about your situation and wait one or two days and think about a solution. Get advice from friends or family members who have previously had financial crises. Reevaluate your existing mortgage loan - review your existing mortgage loan to see if you got a good deal on your mortgage loan. If not, refinance to get a lower fixed interest rate that will provide a level of stability to help you get through these difficult times. Reduce your debt - create a debt payoff plan to identify the total debt owed, the minimum monthly payment and balance on each account. Create a plan to pay off each bill and find ways to reduce expenses to get extra money to pay down debt. Update your resume - if you are currently employed and as a general rule of thumb, each time you start a new job or new position with a company revise your resume. Update it at least once every 6 months. Take training class or learn a skill at work to make yourself a valuable asset to the company. Also, begin networking with staff outside your department to make alliances to staff that can provide leads, and other information on finding a job.
This self help book provides step by step details on how to repair your credit, get out of debt, how to create your own flexible spending plan and how to maintain your good credit without having to go to a credit counseling agency or file for bankruptcy. The book also includes the personal story of how Harrine Freeman was $19,000 in debt while earning $21,000 a year and was able to get out of debt without filing for bankruptcy.