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Making a Plan to Become Debt Free

"The Affordable Solution for Any Situation"  

Let's take a look at how you can set some serious goals in an effort to reduce your debt load.

Debt can cause problems in a person’s life in many ways, at home and at work. It can bring up feelings of anxiety, inadequacy, anger, shame, depression, and it can even lead to the breakdown of a marriage, the loss of friends, your job and your home. Financial problems can be extremely stressful and they can have a ripple effect on your health and your life, as well as on the lives of others, especially family and friends.

Debt can wreck havoc on a person’s life in many ways, including causing problems at home and at work. It can bring up feelings of anxiety, anger, shame, and depression and can even lead to the breakdown of a marriage, or the loss of job or home. Financial problems can be extremely stressful and they can have a ripple effect on your health and your life, as well as on the lives of others, especially family and friends.

Today, many people don't believe that it is possible to become debt free, but if you set realistic goals, you can. In order to reduce the burden of debt in your life, you have to take the initiative to get your finances in order, establish a serious long term plan, and work towards reaching your goals.

First of all, you have to make a commitment to yourself.

Do not allow debt to control how you live.

You have to take control of your debt. 

At first, gaining control of your debt may be hard to do, but it can be done if you are serious about it.

Today, many people don't believe that it is possible to be totally debt free, but it is a realistic goal. In order to reduce the burden of debt in your life, make a plan to become debt free and work towards your goals.

We have programs to help you increase your wealth and elimunate your debt. We can show you how to use Cash or Any Assets to increase your wealth with our project funding program.

We will show you how to invest it into a real estate poject and get great returns on your money over and over again.  

Easy to Apply:

We have program at this time to help you become debt free faster to pay off all your debt: 

Click Here for the Become Debt Free Program   

Please complete the forms enclosed above and include as many details as possible.

Your information will not be shared, sold or exchanged with anyone else.

I will get back to you as quickly as possible.

Please email form to us at info@becomedebtfreefaster.com

or fax 720-223-6097 to get into the program - its that easy.      

Various Incomes

Passive income is an income received on a regular basis, with little effort required to maintain it.

The American IRS categorizes income into three broad types, active (earned) income, passive income, and portfolio income. It defines passive income as income from "trade or business activities in which you do not materially participate. Other financial and government institutions also recognize it as an income obtained as a result of capital growth or in relation to negative gearing. Passive income is usually Taxable.

Some examples of passive income are:

• Earnings from a business that does not require direct involvement from the owner or merchant;

• Rent from Rentals ;

• Royalties from publishing a book or from licensing a patent or other form of intellectual property;

• Earnings from internet advertisements on websites;

• Residual income, repeated regular income earned by a sales person, generated from the payment of a product or service, that must be renewed on a regular basis in order to continue receiving its benefits;

• Divident and  Interest income from owning securities, such as stocks and bonds is usually referred to as portfolio income, which may or may not be considered a form of passive income. In the United States, portfolio income is considered a different type of income than passive income;

• Pensions

The IRS has a specific definition of passive income that excludes some of the incomes listed above. Royalties, for example, are, according to the Service guide, generally non-passive in nature. Additionally, interest, dividends, annuities, and gains from stocks and bonds, lottery winnings, salaries, wages, commissions, retirement income, guaranteed payments for services are considered by the IRS to be non-passive.  

Passive income, on the other hand, is income that does not require your direct involvement. Some kinds of passive income you may be familiar with include owning rental property, royalties on an invention or creative work, and network marketing. If you want to earn more, work less, and have a decent retirement, you're going to have to start creating income streams that do not require your direct involvement. Whether you're just starting your business, or you've been running it a while, the sooner you start thinking about how you are going to shift your business model to create more passive income, the sooner you can achieve personal and financial freedom.

Let's look at two basic types of passive income, and a third type of income that, while technically not passive, is a key strategy for earning more and working less.

Residual Income

Residual income is revenue that occurs over time from work done one time. Some examples include:

• An insurance agent who gets commission every year when a customer renews his policy

• A network marketing or direct sales rep's income from her direct customers when they reorder product every month

• An aerobics instructor who produces a video and sells it at the gyms where she teaches

• A marketing consultant who creates a workbook and sells it in e-book format on the Internet

• A photographer who makes his photos available through a stock photography clearinghouse and gets paid a royalty whenever someone buys one of his images

• A restaurant or retail owner who has grown to the point of hiring a trustworthy manager

As you can see, there are many different ways to generate residual income across a wide variety of businesses. It may be recurring income from the same customers, or the sales of a product to new customers. It may require no personal involvement whatsoever, such as an e-book sold on a web site, or it may require some personal interaction, such as the insurance agent calling the customer to remind them about their renewal and ask them if they want to change any of their coverage. Often, it's something that you can delegate to an assistant.

Note that this is different from merely recurring income. Recurring income may still require your involvement to earn the income, e.g., a coach or consultant on a monthly retainer, or a caterer who delivers lunch every Monday to the local school board. While this "active recurring income" offers welcome stability, it also tends to tie you down, and you still have limits on your earning capacity based on your own personal production capacity.

Leveraged Income

Leveraged income leverages the work of other people to create income for you. Some examples of leveraged income include:

• An e-book author selling her e-book through affiliates who promote the product

• A network marketer who builds a downline and receives commissions on the sales made by people in his downline

• A general contractor who makes a profit margin on the work done by sub-contractors

• Franchising your business model to other entrepreneurs (the ultimate leveraged income)

Again, there are many different models in many different businesses. The key is that you are making money off of other people's labor, rather than primarily your own. Note that leveraged income may or may not also be residual income. When you combine them, that's even better.

Active Leveraged Income

This is a term I use to describe income that requires your direct participation, but that you can make more money by having more people involved. This generally involves a one-time event, such as:

• A seminar or class

• A conference or convention

• Concerts and dance recitals

• Raves and other parties

Although these require your direct participation, your earning potential is much higher than if someone were just paying you a direct hourly rate. Fill a room with 1,000 people paying $50 each and you can cover your facility cost, promotional cost, and staffing fees and still have a nice chunk of change left over.

The sooner you answer these questions, the sooner you'll have more knowledge to start your financial and personal freedom.  

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