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Basic Links

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Pay Debt Quickly Kit: Here is a basic link that will take your readers to the PDQ Pay Debt Quickly sales page.

http://www.PayDebtQuickly.com/x.php?adminid=2047&id=XXXX

"You: Debt Free, Powerful Debt Reduction Strategies That Really Work" Free Guide (ebook)Link: This link directs your readers to sign up for the free "You: Debt Free, Powerful Debt Strategies That Really Work" guide. The free guide promotes the full kit:

http://www.PayDebtQuickly.com/x.php?adminid=2047&id=xxxx&u=www.paydebtquickly.com/guide.htm

Short Ads

Pay Debt Quickly Kit: Here is an ad to promote the full kit.

Tired of Drowning in Debt? Finally make the change you've been thinking about forever and start controlling your debt, instead of it controlling you. <a href="http://www.PayDebtQuickly.com/x.php?adminid=2047&id=xxxx&u=www.paydebtquickly.com/guide.htm">Click here</a> to find out how you can eliminate your debt without making any large payments. <a href="http://www.PayDebtQuickly.com/x.php?adminid=2047&id=xxxx&u=www.paydebtquickly.com/guide.htm">Visit PayDebtQuickly.com</a> and start today.

"You: Debt Free, Powerful Debt Reduction Strategies That Really Work" Free Guide (ebook) Link: This ad directs your readers to sign up for the free "You: Debt Free, Powerful Debt Strategies That Really Work" guide. The free guide promotes the full kit:

Don’t Let Debt Get You Down Even in a Bad Economy Credit card companies work hard to keep you in debt. Reverse the vicious cycle by grabbing your Powerful Debt Reduction Strategies Guide to help you start conquering your debt in 4 simple steps. A $67 value, it’s yours free at <a href="http://www.PayDebtQuickly.com/x.php?adminid=2047&id=xxxx&u=www.paydebtquickly.com/guide.htm">PayDebtQuickly.com</a>

Selling Points

One of the best ways to promote a product is to know it well. To help you gain a better understanding and to enable you to create your own highly-effective promotions, we’ve put together a list of selling points for the Pay Debt Quickly System.

The system allows users to pay their debts of quickly without having to:

Make any large payments to the debt.

Get a second job.

Make any big lifestyle changes.

All that is required is that people using the system are able to meet their minimum monthly payments.

The system allows users to save tens of thousands of dollars and pay their debts of years faster.

By using the software, they can calculate the precise date each bill will be paid of and when they will be debt-free.

No financial expertise or training is required to make the system work.

Comes with a 30-day Money-Back Guarantee.

Selling Points of the System Contents:

PDQ Pay Debt Quickly Software:
- Allow you to plan monthly payments and keep up with balances.
- Enter up to 30 credit cards / loans.
- Ability to try different payment plans to see which will help users reach their goal more efficiently.
PDQ Pay Debt Quickly Success Guide:
- Includes 3 success principles that help ensure success with the program.
- Helps readers understand how creditors make it take so long to pay off debt and how they can avoid the vicious cycle.
- Shows how to set up a monthly payment plan and get organized with managing debt.
- Tips for saving money without having to make any big lifestyle sacrifices.
PDQ Success Guide Audio
- Listen to the Success Guide on your iPod or MP3 player when reading isn't convenient as Cindy answers the most common Dept Payoff questions.
Easy Budget Guide:
- Teaches readers how to make a spending plan, instead of a budget and how to plan for unexpected expenses.
Bonus Items Included:
- Bonus #1: 12 Simple Steps of MoneyMinding eBook: Written by Tracy Piercy, founder of MoneyMinding and a Certified Financial Planner for 18 years. Includes practical advice on eliminating debt and shows how cutting back expenses isn't the answer to reducing debt.
- Bonus #2 and #3: Napoleon Hill’s “Think and Grow Rich” eBook plus the "Think & Grow Rich" Workbook: This classic guide that teaches people how to accumulate wealth also includes a practical workbook to help ensure all the steps are followed.
- Bonus #4: Simple Self Care Magic for Women: This ebook provides practical and immediately useable self care insights in bite-size pieces from 14 professionals in various fields around the US including Cindy.
- Bonus #5: Financial Goal Alignment video from "A Financial Course In Miracles": This video shows you how to apply Emotional Freedom Technique (EFT) to release your emotional blocks around money!

Long/Solo Text Promos

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Pay Debt Quickly Kit Solo Ads:

Send this promo first:

The Secret to Finally Paying Debt Quickly If you've struggled with debt for any amount of time, you know how it can feel like you're in a big black hole, you just can't seem to dig yourself out of. Balances never seem to go down and you need to keep tapping into credit cards just to make ends meet. There is plenty of debt advice out there and you may have tried things like debt consolidation, making large payments to your debts to try to pay them faster and other methods that just don't seem to work. Things just keep getting more and more difficult to manage. But it really doesn't have to be that way! If you've been able to keep up with your minimum monthly payments until now, there is a solution for you. And it's remarkably simple if you only know how! I'm talking about the Pay Debt Quickly Kit; that shows you how to: - Pay debt off faster without having to make any large payments. - Get what you want from your creditors to pay off your debt faster and even improve your credit score. - Make drastic changes in the way you think about and handle money without feeling like you're deprived in any way. The kit includes everything you need to get to debt-free faster. From software that helps you quickly and easily calculate your precise debt-free dates to strategies to take control of your finances and even work with your creditors so that you benefit, instead of them - this kit has what you need to eliminate your debt. Learn more & get debt-free at: http://www.PayDebtQuickly.com/x.php?adminid=2047&id=XXXX&u=www.paydebtquickly.com/guide.htm Everything is available for instant download and you don't have to wait for anything to come in the mail unless you want to. That means you can start sleeping better and stop worrying about your debt, starting RIGHT NOW.

Follow up a few days later with this promo:

Still struggling with that debt? A few days ago, I told you about the Pay Debt Quickly Kit that includes the tools and teaches you the strategies you need to become debt free faster than you may have imagined. If you haven't yet taken advantage of this great opportunity, I really encourage you to do so. Right now, you may feel like there is no way out of the situation you're in, but if you follow the steps and use the tools in the kit, you WILL see light at the end of the tunnel. The good news is, you can start seeing that light today and the tunnel is not nearly as long as you might have thought. Just take a few moments to learn about the program. All the details are right here: http://www.PayDebtQuickly.com/x.php?adminid=2047&id=XXXX&u=www.paydebtquickly.com/guide.htm The kit even comes with a no questions asked, 30-day money-back guarantee; you really have nothing to lose.

NEW! "You: Debt Free, Powerful Debt Reduction Strategies That Really Work" Free Guide Solo Ad

Great Gift to Reduce Your Debt If debt seems to be taking over your life and your paycheck, it's not all your fault. Sure, there are things you can do to improve your spending habits and how you use credit (and this email includes help for that); but realize the credit card companies want it to be that way and aim to keep you in debt for as long as they can. But that doesn't mean their goal has to be your reality. To reverse the vicious debt cycle, start by grabbing a copy of Cindy Morus' free guide: "Powerful Debt Reduction Strategies". This guide outlines a 4-step strategy to help you: - Get a full grasp of your financial situation - How to create a debt reduction plan - Grow your savings and why it's important - Get better terms from your creditors Cindy is well-known as the "The Money Mender" and is a leading authority in helping her clients and readers achieve and enjoy financial well-being and peace of mind since 2001. If you have debt you need to get rid of, this 4-step guide will give you the tools you need to work toward that goal. You can get yours at: http://www.PayDebtQuickly.com/x.php?adminid=2047&id=xxxx&u=www.paydebtquickly.com/guide.htm Again, the guide is available at no charge - simply sign up and get yours. It's that simple! To your debt-free success, YOUR NAME

Quick Twitter Text

Tell your friends about Pay Debt Quickly: Just click the link below and if you’re logged into Twitter, the text will automatically be placed in the “What Are You Doing?” form. But don’t worry, you’ll be able to review everything, replace XXX with your affiliate ID and make any changes you want before submitting to your followers.

Free Guide Tweets:

Click here to say "Found this useful free debt-reduction guide".

Click here to say "This is helping me become debt-free in 2009!"

Link to PDQ sales page Tweets:

Click here to say "The PDQ way to become debt-free"

Articles

How to Have More Fun With Your Tax Refund in 2009

How to Have More Fun With Your Tax Refund in 2009 By Cindy Morus, Creator of the <a href="http://www.PayDebtQuickly.com/x.php?adminid=2047&id=XXXX">Pay Debt Quickly System</a> I counsel a LOT of people about money. I see the same mistakes being made over and over again. If you've made 'em, don't worry. I'm here to help you do it right THIS year! The fact is, moneymakers need a money coach, just like gymnasts need a gymnastics coach. As your Money Mending coach, here are the mistakes in thinking and behavior I want you to avoid: * Don't think of your refund as free money - or lottery winnings. It's not! That refund is your hard-earned dollars that you loaned Uncle Sam interest free - all last year. * Don't spend the refund - or OVERSPEND it - when you haven't gotten the cash in your hands yet. * Don't spend the whole refund to pay down debt. OK. So now you're Money Smart about what NOT to do with that refund in 2009. Next, here are my EASY Money Smart moves that YOU can make to best handle your income tax refund this year. First, divide your refund into thirds - 3 equal amounts. Why 3 equal amounts? Because we want to use that refund - however small or large - to handle the past, the present and the future. Use one third to handle the PAST by paying down debts. Start with your most pressing debt...either the one with the highest interest rate, or the one with the biggest consequence for not paying it down. Use one third for something you need or want in the PRESENT. If you can, use that money to have some FUN. Do something that is NOURISHING to you - something that makes you feel GOOD. How about a mini-vacation, or an evening of fine dining and great entertainment, or a day at the spa? ***Of course, if the brakes on the car are shot, or you have some other pressing need, you'll need to do that FIRST.*** Finally, use one third to handle some aspect of your FUTURE. Here are several Money Smart suggestions for you to think about. *Put money in your Anti-Emergency Fund. *Put money in your Sleep EZ Fund or save for your retirement through your 401(k), 403(b), IRA (traditional or Roth). *Put money into college education funds (Coverdell IRAs or 529 plans) for your kids or grandkids. Why is this "thirds" approach such a great idea? Because you'll be taking care of a variety of wants and needs - AND taking several easy Money Smart steps forward towards your BIG goal of financial freedom! THAT is how you can have MORE fun with YOUR tax refund in 2009. Now is also a GREAT time to "check out your paycheck": * Re-evaluate how much money you are contributing to your 401(k) or 403(b). * If you got a whopping refund, remember you were just sticking YOUR money in Uncle Sam's pocket. No point in giving Uncle Sam an interest free loan! Adjust your deductions so that you have just enough taxes withheld from your paycheck. More Help from Cindy: Trouble with debt? Eliminate your debt and save your money using the <a href="http://www.PayDebtQuickly.com/x.php?adminid=2047&id=XXXX">Pay Debt Quickly System</a>. It comes with the software and strategies you need get rid of your debt without making an large payments or making any significant lifestyle changes. <a href="http://www.PayDebtQuickly.com/x.php?adminid=2047&id=XXXX">Click here</a> to learn more and get started right away or sign up for her <a href="http://www.PayDebtQuickly.com/x.php?adminid=2047&id=XXXX&u=www.paydebtquickly.com/guide.htm">free Powerful Debt Reduction Starter Guide</a>.

Top 5 Credit Misconceptions

Top 5 Credit Misconceptions By Cindy Morus, Creator of the <a href="http://www.PayDebtQuickly.com/x.php?adminid=2047&id=XXXX">Pay Debt Quickly System</a> We have all heard the rumors...from neighbors, relatives or friends. There are a wide variety of myths floating around about what you should and shouldn't do to improve your credit reports and credit scores. The buck stops here! Phelps Creek Financial Coaching has exposed these urban legends to provide you with the truth about credit... 1. Your score will drop if you check your credit - Fortunately, this one is definitely not true.Checking your own report and score is counted as a "soft inquiry" and doesn't harm your credit at all. Only "hard inquiries" from a lender or creditor, made when you apply for credit, can bring your credit score down a few points. Worried about damaging your credit while shopping around for a loan? Multiple inquiries for the same purpose within a short amount of time (a few weeks) are grouped together into a less damaging period of inquiry. 2. Closing old accounts will improve your credit score - To close or not to close, that is the question. Many people advocate closing old and inactive accounts as a way for improving your credit. In most cases, closing accounts will actually have the opposite effect. Canceling old credit accounts can lower your credit score by making your credit history appear shorter. Think twice before closing the oldest account on your credit report. If you want to reduce your levels of available credit, ask for your credit limits to be reduced or close newer accounts instead. 3. Once you pay off a negative record, it is removed from your credit report - Negative records such as collection accounts, bankruptcies and charge-offs will remain on your credit report for 7-10 years after they are first posted. Paying off the account before the end of the set term doesn't remove it from your credit report, but will cause the account to be marked as "paid." It is still a good idea to pay your debts, it can improve yourcredit score, but the major improvement will come when the record expires. 4. Being a co-signer doesn't make you responsible for the account - When you open a joint account, co-sign on a loan or become an authorized user on someone's credit card, you are taking on legal responsibility for the account. Any activity on these shared accounts, good or bad, will show up on both people's credit reports. If you co-sign for a friend's auto loan and they don't make the payments, your credit profile will be hurt by their actions and visa versa. The only way to stop this double reporting is to refinance the loan or to have the creditor officially remove you from the account. 5. Paying off a debt will add 50 points to your credit score - Yourcredit score is calculated using a complex algorithm that takes into account hundreds of factors and values. It is very hard to predict how many points you can gain by changing one factor. For a person with a high credit score, just one late payment can cause a significant drop. If a person has a low credit score, it may not cause a large drop at all. There is no magical way to improve your credit score, just keep paying your bills on time, reducing your debts and removing negative inaccuracies from your credit report. Good financial behavior and time are the two most important factors on your credit score. More Help from Cindy: Trouble with debt? Eliminate your debt and save your money using the <a href="http://www.PayDebtQuickly.com/x.php?adminid=2047&id=XXXX">Pay Debt Quickly System</a>. It comes with the software and strategies you need get rid of your debt without making an large payments or making any significant lifestyle changes. <a href="http://www.PayDebtQuickly.com/x.php?adminid=2047&id=XXXX">Click here</a> to learn more and get started right away or sign up for her <a href="http://www.PayDebtQuickly.com/x.php?adminid=2047&id=XXXX&&u=www.paydebtquickly.com/guide.htm">free Powerful Debt Reduction Starter Guide</a>.

Credit & Divorce

Credit & Divorce By Cindy Morus, Creator of the <a href="http://www.PayDebtQuickly.com/x.php?adminid=2047&id=XXXX">Pay Debt Quickly System</a> Mary and Bill recently divorced. Their divorce decree stated that Bill would pay the balances on their three joint credit card accounts. Months later, after Bill neglected to pay off these accounts, all three creditors contacted Mary for payment. She referred them to the divorce decree, insisting that she was not responsible for the accounts. The creditors correctly stated that they were not parties to the decree and that Mary was still legally responsible for paying off the couple's joint accounts. Mary later found out that the late payments appeared on her credit report. If you've recently been through a divorce-or are contemplating one-you may want to look closely at issues involving credit. Understanding the different kinds of credit accounts opened during a marriage may help illuminate the potential benefits-and pitfalls-of each. There are two types of credit accounts: individual and joint. You can permit authorized persons to use the account with either. When you apply for credit-whether a charge card or a mortgage loan-you'll be asked to select one type. Individual or Joint Account Individual Account: Your income, assets, and credit history are considered by the creditor. Whether you are married or single, you alone are responsible for paying off the debt. The account will appear on your credit report, and may appear on the credit report of any "authorized" user. However, if you live in a community property state (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, or Wisconsin), you and your spouse may be responsible for debts incurred during the marriage, and the individual debts of one spouse may appear on the credit report of the other. Advantages/Disadvantages: If you're not employed outside the home, work part-time, or have a low-paying job, it may be difficult to demonstrate a strong financial picture without your spouse's income. But if you open an account in your name and are responsible, no one can negatively affect your credit record. Joint Account: Your income, financial assets, and credit history-and your spouse's-are considerations for a joint account. No matter who handles the household bills, you and your spouse are responsible for seeing that debts are paid. A creditor who reports the credit history of a joint account to credit bureaus must report it in both names (if the account was opened after June 1, 1977). Advantages/Disadvantages: An application combining the financial resources of two people may present a stronger case to a creditor who is granting a loan or credit card. But because two people applied together for the credit, each is responsible for the debt. This is true even if a divorce decree assigns separate debt obligations to each spouse. Former spouses who run up bills and don't pay them can hurt their ex-partner's credit histories on jointly-held accounts. Account "Users" If you open an individual account, you may authorize another person to use it. If you name your spouse as the authorized user, a creditor who reports the credit history to a credit bureau must report it in your spouse's name as well as in yours (if the account was opened after June 1, 1977). A creditor also may report the credit history in the name of any other authorized user. Advantages/Disadvantages: User accounts often are opened for convenience. They benefit people who might not qualify for credit on their own, such as students or homemakers. While these people may use the account, you-not they-are contractually liable for paying the debt. If You Divorce If you're considering divorce or separation, pay special attention to the status of your credit accounts. If you maintain joint accounts during this time, it's important to make regular payments so your credit record won't suffer. As long as there's an outstanding balance on a joint account, you and your spouse are responsible for it. If you divorce, you may want to close joint accounts or accounts in which your former spouse was an authorized user. Or ask the creditor to convert these accounts to individual accounts. By law, a creditor cannot close a joint account because of a change in marital status, but can do so at the request of either spouse. A creditor, however, does not have to change joint accounts to individual accounts. The creditor can require you to reapply for credit on an individual basis and then, based on your new application, extend or deny you credit. In the case of a mortgage or home equity loan, a lender is likely to require refinancing to remove a spouse from the obligation. More Help from Cindy: Trouble with debt? Eliminate your debt and save your money using the <a href="http://www.PayDebtQuickly.com/x.php?adminid=2047&id=XXXX">Pay Debt Quickly System</a>. It comes with the software and strategies you need get rid of your debt without making an large payments or making any significant lifestyle changes. <a href="http://www.PayDebtQuickly.com/x.php?adminid=2047&id=XXXX">Click here</a> to learn more and get started right away or sign up for her <a href="http://www.PayDebtQuickly.com/x.php?adminid=2047&id=XXXX&u=www.paydebtquickly.com/guide.htm">free Powerful Debt Reduction Starter Guide</a>.

10 Best Debt-Busting Holiday Strategies for 2009

*Note: This article contains a link to Cindy's Send More Cards page. You are welcome to replace that link with your own Send More Cards link.

10 Best Debt-Busting Holiday Strategies for 2009 By Cindy Morus, Creator of the <a href="http://www.PayDebtQuickly.com/x.php?adminid=2047&id=XXXX">Pay Debt Quickly System</a> According to a Gallup poll, the average American family will spend $801 this year on Holiday gifts. Remember an average means that some people spend way more and some people spend a lot less. With economic times tough this year for most people, it's a good chance to talk to your friends and family about cutting back on Holiday gift giving, seeking alternatives or even eliminating it altogether. Most people have more than enough "stuff" and that's why they are so hard to buy for. I'm going to be below that average number for several reasons. About 20 years ago, when the grandkids started arriving, most of my extended family decided not to purchase Christmas gifts for each other with the exception of my sister and her husband who have no kids but are generous with the nieces and nephews. Even my Mom and Dad suggested that we not exchange gifts this year due because of the hit their retirement accounts have taken. I'll be buying wine from Phelps Creek Vineyards for my sister and hubby (Sh, don't tell), my son gets a ski pass and my daughter a check because she's saving to go to London for the Spring term. That's it for me. How about you? And remember, the Holiday isn't all about buying and giving! Most people want more of the spirit of the season: friendship, music, love. Don't be so obsessed with the buying and spending that you wind up with stress, hassle and shopper's burnout. Plan to incorporate the things that really matter in life: spending time with family and friends, being part of a community, enjoying your faith and just plain having fun. Doing some planning now along with a shift to the spirit of the season, can make the New Year much happier since you know massive credit card bills won't be filling your mailbox. Here are some specific ideas. Implement one or all! 1. Make a Spending Plan and Stick To It. Decide in advance how much you're going to spend on each person AND the total amount you plan to spend on everyone. That way, if one gift is more expensive than you expected, review the rest of your list to find reductions so you don't exceed your overall spending plan. Don't forget decorations, cards, stamps, wrapping paper. It can be tough to stick to a budget when those around you are big spenders. If you want to change the gift giving pattern, do it early before people start making purchase. 2. Do Something Different This Year. Instead of buying a gift for every person, you can draw names (Have kids draw other kids and adults draw each other). One family I know always has an additional twist like buying something for the person that starts with their first name. For example, Jean might get a Jacket and Rebecca a Robe. Have a dollar limit. You might also consider purchasing a family gift or brothers and sisters can go in on something bigger for Mom and Dad than they could purchase individually. My kids have been doing that for years because we set a low dollar limit on how much they could spend on us and each other. A "white elephant" take away is also a fun way to spend the day and everyone gets a good laugh. Ornament gift giving can also be fun and a way to create memories for many years to come. 3. Set a Limit on the Number of Gifts. Young children get overloaded very easily with quantity so Mom and Dad might limit the number of gifts their children get. You can spread the gift giving out over several days, too, which gives them time to play with their gifts. If you do get too many, think about putting some away for a few weeks. 4. Spend time, not money. If you're short of money, offer gifts of your time: Baby-sitting services for exhausted new parents. Painting assistance for a friend who just bought a house. Pet-sitting for traveling neighbors. Grandparents can teach grandkids a skill. I can still remember the Christmas my grandmother taught me to knit. Organize an Appetizer potluck or Progressive dinner with your friends or family. Everyone brings or prepares something so the cost and work are spread around. And make sure everyone does their share of clean up, too! 5. Connect with your Community. Whether or not organized faith services are part of your tradition, there's a lot going on. Here in Hood River, there are food drives, community meals, holiday concerts and performances, and lots more. It's a good chance to get out and catch up with people you might not see but once or twice a year. 6. Gift Giving Alternatives. Donate to a cause that's important to the recipient (check out charities at www.CharityNavigator.org). Purchase gifts that benefit others. Lutheran World Relief - one of the top-rated charities (www.lwrgifts.org) has lots of great ideas from critters to water to education. You might want to ask them what cause they'd like you to support. Ask family members to consider contributing to your kids' college accounts. That's a gift that lasts for the rest of their lives. 7. Use up Store Credits and Gift Cards. This is going to be especially important because a number of stores are already slated to close their doors after the Holiday season and a lot more will probably do so before the end of 2010. Many gift cards lose value or expire over time so get them out and use them up. 8. Take Yourself Off the List. The National Retail Federation reports that the average shopper will spend $99 on themselves! You might also talk to your spouse or significant other to create a plan - maybe you could the money for something you need for the house or cars and if you're not sure of your job prospects for next year, start a savings account. 9. Use <a href="http://www.sendoutcards.com/cindymorus">Send Out Cards</a> for Christmas Cards and Gift Giving This Year. Send Out Cards allows you to choose a card from over 13,000 designs and you can even upload your own photos and have a custom card. They'll print them and send them out with a real first class stamp for about $1 per card. And you don't have to go to the store, post office, or lick. 10. Create Your Own Family Traditions. Everything in our world is shifting and it's a chance for you to create your own activities and traditions. The first year the kids got ski passes, I told them that's all they would be getting. They asked "What will we do on Christmas?" and I said "Go Skiing!" I didn't plan Christmas Day dinner and they were starving when we got home so I made Tuna Noodle casserole and that became our Christmas Day dinner tradition for a number of years! Think forward to end of the Holiday Season and how you'll feel about the amount of time, energy and money you spent. If you don't like the outcome, change it now. There's no such thing as the Holiday you read about in a book or see on TV - you don't have to be held hostage to the Super Christmas. Take a few moments now, check in with your spouse and kids and decide how you want your Holiday to turn out. More Help from Cindy: Trouble with debt? Eliminate your debt and save your money using the <a href="http://www.PayDebtQuickly.com/x.php?adminid=2047&id=XXXX">Pay Debt Quickly System</a>. It comes with the software and strategies you need get rid of your debt without making an large payments or making any significant lifestyle changes. <a href="http://www.PayDebtQuickly.com/x.php?adminid=2047&id=XXXX">Click here</a> to learn more and get started right away or sign up for her <a href="http://www.PayDebtQuickly.com/x.php?adminid=2047&id=XXXX&u=www.paydebtquickly.com/guide.htm">free Powerful Debt Reduction Starter Guide</a>.

The PDQ Factor:

The PDQ Factor By Cindy Morus, Creator of the <a href="http://www.PayDebtQuickly.com/x.php?adminid=2047&id=XXXX">Pay Debt Quickly System</a> It's just about the beginning of a brand new year: a time to set goals, make plans, and start afresh; a time to dream of making more money, having a more beautiful body, and experiencing more love. I can't help you with your body or your love life but I can show you some tools for making more money this year. Have you ever heard of the PDQ Factor? Probably not, but you probably have heard of the acronym PDQ, which means "pretty darn quick" and that can be expensive: think fast food, fast cars, and fast women. This PDQ, the PDQ Factor will save you money. In fact, it can even make you wealthy over time. To illustrate...take an empty glass and set it under the water faucet. Now turn the faucet to a single drip, or a slow trickle if you're really impatient, and watch the glass fill up. It takes a while but it does get full. If you were thirsty, it wouldn't have been nearly as fast as turning the faucet to full force but it was just as effective. The PDQ Factor is the slow trickle equivalent in the world of money. It stands for Pennies, Dimes and Quarters. Nickels count too, they just messed up the snappy title so we left them out; but don't you leave them out of your investment toolbox. Here's an easy plan to make an extra $1000 this year. It won't take much time or energy - really none at all. By investing just $2.74 a day - the cost of a designer coffee drink; a bad drive-thru meal; or 8 quarters, 5 dimes, 4 nickels, and 4 pennies, in just 365 days you will have an additional $1000 in the bank. Did you know that accumulating wealth is this effortless? Make a plan, stick to it and watch success sneak up on you in teeny-tiny increments. With no pain and all gain you've just set a financial goal; a goal that can be effortlessly reached by making a very minor tweak or two in how you live your daily life. Break down your goal and see how many PDQ's it takes! And don't forget to start today! The same thing applies to debt. If you're struggling with debt and it feels like you'll never see the end, you can apply the same principles. Get More Help: Eliminate your debt and save your money using the <a href="http://www.PayDebtQuickly.com/x.php?adminid=2047&id=XXXX">Pay Debt Quickly System</a>. It comes with the software and strategies you need get rid of your debt without making an large payments or making any significant lifestyle changes. <a href="http://www.PayDebtQuickly.com/x.php?adminid=2047&id=XXXX">Click here</a> to learn more and get started right away.

3 Steps to Eliminating Debt:

3 Steps to Eliminating Debt By Cindy Morus, Creator of the <a href="http://www.PayDebtQuickly.com/x.php?adminid=2047&id=XXXX">Pay Debt Quickly System</a> Are you struggling with debt? I've been there (and it was a major cause of my divorce). This is information I wish I had known then. Step 1: Draw a Debt Picture. Gather all your statements and enter your information into a worksheet. You'll need to know the name of the credit card, the balance, interest rate and current payment. Total the balances and the payments. Acknowledge that you used your credit cards to fund your lifestyle and move on to debt-freedom. Step 2: Stop using your Credit Cards. The credit card companies are masters at this game and if you're carrying a balance, you're on the losing end of the deal. * Did you know that new purchases don't have a grace period if you have a balance? * Did you know that new purchases don't usually get the existing teaser rate? * Did you know that if you have multiple interest rates on the same card that most or even all of your payments will go to the balance with the lowest interest rate while the balances at the highest interest rate just keep compounding? These are all great reasons to stop using your credit cards now! Step 3: Convert Minimum Payments to Fixed Payments. This is the beautiful part! Let me explain. When you get a home and auto loan, you pay the same amount of money for a specific amount of time and then you're done and the debt is paid off. With a credit card, though, your payment is a percentage (usually around 4%) of your balance. As you make payments, your balance drops and so does your minimum payment. This is what will keep you in debt jail for a very long time. However, you don't have to make just the minimum payment. I recommend that you take the minimum payment from this month and pay that same amount every single month until it is paid off. Converting your credit cards payments to fixed payments can save years and years and thousands of dollars. Let's see how much this method can save by looking at one client's debt information: Name Interest Rate Current Balance Minimum Payment Visa 32.24% $970.86 $29.00 MasterCard 19.49% $1,506.00 $128.00 Cap One 16.24% $11,700.00 $277.00 Store Card 13.07% $1,407.00 $42.00 Auto Loan 8.09% $10,356.00 $237.00 TOTALS n/a $25,940.00 $713.00 Paying the minimums only will take 350 months and cost $49,007 (total interest is $23,067 - almost double the current balances!). Changing the payments to fixed (paying the same amount every month as listed above) will take 47 months and the total will be $33,272 ($7,332 in interest). Total savings is $15,735 and over 25 years!! AND they didn't pay any more than they paid this month. Get More Help: Eliminate your debt and save your money using the <a href="http://www.PayDebtQuickly.com/x.php?adminid=2047&id=XXXX">Pay Debt Quickly System</a>. It comes with the software and strategies you need get rid of your debt without making an large payments or making any significant lifestyle changes. <a href="http://www.PayDebtQuickly.com/x.php?adminid=2047&id=XXXX">Click here</a> to learn more and get started right away.

What Do I Do if My Debt Payments Are Higher Than My Income?:

What Do I Do if My Debt Payments Are Higher Than My Income? By Cindy Morus, Creator of the <a href="http://www.PayDebtQuickly.com/x.php?adminid=2047&id=XXXX">Pay Debt Quickly System</a> Question: I don't know how to pay off my debt. My debts are more than the money I earn each month. What can I do? Answer: That's a tough spot to be in. Let's look at the scenario that your debts are higher than your income but you're still able to make the payments. It sounds like this is really worrying you - maybe that you won't be able to make the payments soon. So, now is a good time to be asking this question. Since you can make the payments, every month, you're actually in a good position to be able to eliminate the debt over the next couple of years (perhaps sooner). Here's what to do... 1. From Minimum Payments to Fixed Payments. Convert all your current minimum payments to fixed payments. That means that if you are paying $55.55 this month, you'll pay that every single month until the debt is paid off - no matter what the minimum payment is on your bill. When one balance is paid off, add that payment to another card's payment. 2. Stop Using Your Credit Cards. There's no grace period on cards that have a balance so you start paying interest on new charges immediately. 3. Get Clear on Your Debt. List every one of your debts on a piece of paper so you know exactly what you're dealing with. Sometimes it's worse than you thought and sometimes not so bad but you won't be able to really know until you see it all in black and white. Get More Help: Eliminate your debt and save your money using the <a href="http://www.PayDebtQuickly.com/x.php?adminid=2047&id=XXXX">Pay Debt Quickly System</a>. It comes with the software and strategies you need get rid of your debt without making large payments or making any significant lifestyle changes (really). <a href="http://www.PayDebtQuickly.com/x.php?adminid=2047&id=XXXX">Click here</a> to learn more and get started right away.

Product Review

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PDQ Pay Debt Quickly Review Author & Creator: Cindy Morus, The Money Mender Format: Downloadable Guides in PDF Format, Downloadable Software OR Hard Copy + CD + DVD by mail (shipping free) OR both (shipping free) NOTE: (Windows only) Official Website: <a href="http://www.PayDebtQuickly.com/x.php?adminid=2047&id=XXXX">PDQ Pay Debt Quickly</a> Description The PDQ Pay Debt Quickly System is a unique system for reducing debt without having to make any large payments or lifestyle changes. It comes with software to help calculate the debt-free date and track progress. The accompanying resources provide information and tools to further reduce debt costs and change habits regarding money. Who the System is Suitable for It is meant for individuals who are able to make their current minimum monthly payments on their various debts. It is not meant for people who are behind on their payments and are unable to keep up with the minimums. Details The system comes with a number of components and they include: - Pay Debt Quickly Software: The software allows you to enter in up to 30 loans and debts and make a plan to calculate your debt-free debt and keep up with your month-to-month balances. - Pay Debt Quickly Success Guide: The guide provides information on the credit card industry and how they're designed to keep you in debt indefinitely. It includes practical advice on using the system and set up a monthly payment plan that shouldn't cause financial hardship. - PDQ Pay Debt Quickly Success Guide Audio - Listen to the Success Guide on your iPod or MP3 player when reading isn't convenient as Cindy answers the most common Debt Payoff questions. - Easy Budget Guide teaches readers how to make a spending plan instead of a budget and how to pay for unexpected expenses and more! It also includes 3 extra guides to help you manage and change your outlook on money: It also includes 5 additional Bonus items including: - 12 Simple Steps of Money-Minding eBook by Tracy Piercy: Debt reduction advice with the focus of keeping ones realistic lifestyle. - Napoleon Hill's "Think and Grow Rich" eBook PLUS the "Think & Grow Rich Workbook": This classic guide that teaches people how to accumulate wealth also includes a practical workbook to help ensure all the steps are followed. - Simple Self Care Magic for Women: This ebook provides practical and immediately useable self care insights in bite-size pieces from 14 professionals in various fields including Cindy. - Financial Goal Alignment video from "A Financial Course In Miracles": This video shows you how to apply Emotional Freedom Technique (EFT) to release your emotional blocks around money! Thoughts The main strategy behind the PDQ Pay Debt Quickly System is extremely powerful. Even if a buyer doesn't go through all the materials, if they get that main basic concept and stick with it, it is a very powerful debt reduction strategy. The additional information and tools provided will help save plenty of money when it comes to fees and interest. The system is also geared to ensuring that users develop a new relationship with money and helps encourage long-term success because that is the key. Getting rid of debt today, only to rack it up again tomorrow, doesn't do anybody and good. PDQ aims to help users make long-lasting changes, but of course the true success is in the hands of the user. More Information Visit the <a href="http://www.PayDebtQuickly.com/x.php?adminid=2047&id=XXXX">Pay Debt Quickly Website</a>

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Cindy Morus, The Money Mender