How to Dssolve Your Debt

How to get out of DEBT. 

1.STOP! STOP! Spending money you don’t have. If you keep using cards to pay for stuff you also have to figure out how am I going to pay for it when the payment is due. Minimal  payments will keep you in DEBT for the rest of your life. This money that you send out each month in some cases could be a real nice car payment or even another house some were making you money. Your credit score is only as good as you make it. If you want to get rid of some cards Don’t. If you start small and pay off the smallest ones first that will put more money back in you pocket which will help from charging more towards next month. If you cancel cards it will put a negative on your credit score, I know from first hand. My score dropped from a 700 to 600 because I needed to get rid of some cards. Wrong! Take the cards and put them away and really try and not use them.

2. Getting into debt is so easy. You see it, you want it, you charge it. Then the process starts all over until you reach your limit. So now you get another card and the same thing happens. Now you have two cards maxed out and the payments are due on the two and now you need some real stuff, car repair, washer/ dryer breaks, A/C goes out and the list goes on and on ! So you need another card so you don’t loose any of the stuff you charged from before and the cycle is repeated.

3. I have a handyman service and I have a really big base and one of the lady,s needed some work done on her house and while there she told me that she was in a bind with her cards and didn’t know how she was going to make the payments. While there I go through the garage to get in and out. She has a pile along one wall,and I mean a pile of unopened boxes from eveywere. She saw it, wanted it, charged it. When I got back inside I told her just return some of the pile. I got her in contact with my daughter who does this kind of work. She goes through the pile with you and sortes and helps you sent stuff back, and she is really good at it. Now the lady has taken the pile and reduced it by a lot. IF YOU DON’T NEED IT SEND IT BACK!

4. I am telling you this is where I am again. I am maintaining what I have and now looking for ways to get out of debt again. WA is going to work for me. I am trying to get all this stuff crammed into my head. I have ran into a problem, I have 68 years of other stuff in front of it.

5.Now you need to get out. Working is not going to do it. You are sitting, standing, driving (stop that). You can read! You understand English! You can type! SO what, you need to take action. STOP messing around, get to a place where you can start using a part of your brain to get you and I mean you to a better place. Time is the problem. You don’t have all the time in the world, your time on this earth is really limited. You get one shot, every day you don’t react means you are one day closer to check out time. Myself, I am from another temporal time zone. ( TO MUCH STAR TREC). Anyway this is a starting point. Only you can do this. You are almost or are underwater now, let us at Wealthy Affiliates help you into the boat. Join here to start on an adventure of a life time!  Join us Now! Did You Do It! How About Now! I Am Still Waiting! Thank You! Now was that so hard!

6.Here is another place to look at. This place has a lot of good stuff. It cost money. Look at it.



Making Money A State Of Mind!

There is a lot that the human mind can do. Some of which is heal it self. Your mind can recall events from your past that might be good  or bad. When this happens you react. This might be in a way when you see a friend you smile, give a hug, or hand shake. You are glade to see them. Remember the last time in the car that you saw something up ahead and reacted  to it, this was a response from your brain telling you what needs to happen. Everyone has that little voice in your head telling you things you need to do.

The first thing the brain you tell you is stay alive. Your brain will sort out so many things at one time you don’t have time to react. You have to stay focused on what you are doing. If not this is where you or someone can get hurt.

This also applies to making more money. Work hard do a good job save money. This is a good concept if you don’t have bills, a car, a house and kids.

Today you can get that job that you stay with until you retire, if you are able to stay ahead of the next guy that wants your job.

I am here to tell you about a way to work at your own pace. Rely on your self. You can do anything you want, just set your mind to it. DON’T LET DOUT KEEP YOU FROM GETTING WHAT YOU WANT!  Here at WA you can go as far as you want. You can make as little or as much as you want and that is the goal, to let you be in control of your own path. We will give you all the support you need. There is no pressure to do anything. You can start and join for FREE. There is to much to tell you about what YOU CAN DO. So try it if you don’t like it go back to work. Join Here

Wealthy Affiliate What Are The Ups And NO Down Sides!

You are here on this web site to try and make more money. Maybe you are just looking for something different. There are lots of scams out there that just want your money, they have a lot of hype and no content. For just $49.00 you can become an expert at anything you want to do on the internet. Send the $49.00 and then you get to the next page and guess what there is more hype and no content that even explains what you just paid for only now to get the full story you need to send $99.00, but wait if you want to get the total package and be ahead of the game send $299.00 and we will set up everything all you have to do is have a recurring charge of $49.00 a month. Then what, maybe somewhere on the internet you might have a site on page 45 with about 30 others selling the same thing, and every month $49.00 keeps coming out of your account. Now the magic trick is to get it to stop. The only way I know is to change you account, cancel the card or just keep calling the support number just to hear  your call is very important to us, please stay on the line and we will get as soon as we can.  

Has anyone been here before. You just want to believe it can happen and all you worries will be in the bag. You can now see your self on some beach drinking and having fun. WAKE UP, nobody is going to give you anything for free, its going to cost you something some where down the road.

I have found a group of people that will go out of their way to try to help you. They are from around the world doing what you want to do, MAKE MORE MONEY! Making more money is hard work. Its takes you to make it happin. All the tools are there, all the soft ware has been proven to work, all you have to do is get your BUTT UP and do something that is going to change your life and everybody else you are connected to. In the Marines we have a saying we didn’t promise you a rose garden, but here you can take what you learn and make it into anything you want it to be.

At Wealthy Affiliate you will get the tools and training you need to succeed. If you fail you need to try harder. All inventors never make it on their first try. They have the drive to keep trying until they get it to where they want to be. At Wealthy Affiliates this is the plate form where you can take an ideal and make into a place where you can MAKE MORE MONEY. Join Now 


About Jimmy

I am 1 of 4 James Smiths. My dad was well liked, there are three of us in the family named James Smith. Married to Pamela for 47 years. We have two girls and three granddaughters. I have worked hard for most of my life. A USMC vet, and belonged to the 3rd Marine Air Wing. Handyman for about the last 30 years. We are raising our two youngest granddaughters. .

I have tried to make a living working on other peoples stuff and over the years I have meet some really interesting people, a few of them were in WW2. The stories they tell make you wonder how they even made it home. My main goal was to repair what they needed. My wife would ask me what did you do today. Well I bought Beer and Cigarettes for Carol who was 80 years old and why, well she didn’t want anyone to know that she was smoking and drinking. I have bought a goft carts. I have taken their cars and had them washed, picked them up walking home from the stores. Then there are times when they just need to talk to someone. LET ME TELL YOU, I AM NO SAINT! I build trust this way.

I treat people as people, don’t care what you look like, where you came from. If you need me call and I’ll be there . There is so much to say that if you are not a sleep yet I, ll stop and move on. Thank You!

Now to the work at hand;

   I am trying to get into something I know something about, DEBT. I am not the King of Debt but bow to it. I have found over time that we were able to get out of debt just to have ME put us right back in. So here I am trying to give you some food for thought. Debt has ended marriages, separated friends, caused breakdowns and even Death. There is some Debt you can’t live without. House payments, car payments and insurance, medical and electric. I am sure there are others. So this site is to bring some lite to the problem of Debt and maybe help YOU manage and even get out of Debt.



   Now the really big one is to go Bankrupt.

Origin of Bankrupt;


   Medieval Latin, Bianca Rupta, Bank Broken, Replacing Adaptation of Italian Bianca Rota and French Banqueroutein same since Law: a person who upon his or her own petition or that of his or her creditors is adjudged insolvent by a court and whose property is administered for and divided among his or her creditors under a bankruptcy law.any insolvent debtor; a person unable to satisfy any just claims made upon him or her.a person who is lacking in a particular thing or quality: a moral bankrupt.adjective

   Bankrupt; can take almost all your Debt away. Student loans are not. Some Federal Taxes are not. You need a Lawyer to help you get through it. Do your home work. Ask around, find that person that can help you. Your credit score will go down. After you go bankrupt you can rebuild your credit, if you can find a company that will extend you credit do this, make all your payments on time your score will go up. You can do this now that you have gone Bankrupt. Be smart don’t get in over your head again.

   Bill consolidation: Bill consolidation is another big word. This is where you want to save your credit and take your DEBT and tie it up into one big payment. This is a good deal if you don’t go out and make more DEBT on top of the consolidation loan. This is where a lot of people get into more trouble. Now instead of using a shovel to dig your hole you are now using a back hoe!                                                                                                                                                                                                                                                                                                             Trusteeship; This is where you can get help from your creditors. You sign up at your local gov’t they go over your needs, they consolidate your bills. Then you take your check to them and they take out your payment, this is a percent of your check, so you can’t cheat you need to have them to cash your check. Again this is just one way to get rid of high DEBT.                                                                                                                                                                                                                                                                                                                                                              DEBT RELIEF; There are programs around to help you get out of DEBT. They take your DEBT, they get you a reduced settlement. This process requires you to give the DEBT you need relief from to them so they can work on your behalf to reduce your total payment. During this process you make no payments to your creditors, and only to the DEBT RELIEF companys. Your repayment plan depends on the amount of DEBT, most are about 36 months. Your credit score will drop but you will only be making one payment to one company. also you can split the bill weekly, biweekly or monthy. The benfit to DEBT RELIEF programs is there is no more interest on any of your DEBT that is in the program. There are cases where the interest alone saved is enough to make the payment.

    The best way to take care of your DEBT is to do your home work. Don’t be overtaken by it. It’s not some monster waiting for you to go to sleep so it can carry you away to debtville where you will never be seen again. Take control, the person on the other end of the phone is just doing a job and some of them really try and work out a way for you to recover. SO BE STRONG STAND TALL, DON’T WORRY BE HAPPY. 

    So here we are I hope this helped you to find a way out of your DEBT. Please if you have anything to add to this page do so in the comment section, it might just be the one thing that someone else needs to see.  THANK YOU


All the best,

James Smith


Why we need money!

                                                                                                                                                                  They say that the love of money is the root of all Evil. No the love of money over everything else is! It is said that Bill Gates and others like him pay little or no taxes. This could be true. But for them to do this they have to give away a lot of money so as not to give the money to the gov”t. This way they are able to help others more.                                                                                  Lets look at some of the ways that we have to spend our money. If you are of the one percent, you have a lot of money. They have to have people looking out for them so that they can keep their money. I don’t care what they do, they have their own problems. Yes they might have a lot but they also spend a lot to keep it. They are no deferent from us, they still have bills. If they pay cash for a big ticket item there is the tax, up keep, and storage.                                                                                                                                                                                               Aircraft, you just don’t get in and fly away. There are things like maintenance, a pilot, crew and all the stuff to keep it in the air, like gas and a place to keep it when not in use. Your crew gets paid to be on stand by so when you want to go somewhere they make it ready to go. This takes lots and lots of money. Then look at the way some live their lives. You just can’t go out to dinner, without someone wanting to talk to you. Then you have security around all the time, and this cost money. So being rich really looks good on the out side but it takes a lot of work to keep it.

Lotto winners, you would think that after winning the lotto that life would be great for the rest of your life. For a very few they get a plan together so to be able to keep the money working for them. Here we are again, we need someone to watch our money so we don’t get into trouble. There are some winners that after the money is gone they are in in worse shape now than before they won. Get a plan together before you spend it all on nothing.

Making money is easy keeping it is the hard part. Join Now