Dose That credit secrets book help

By now I would expect you to have figured out that the only person on this planet that cares about you, is you. That's it. Until you take action to fix your situation, it will remain broke. Your situation is not going to improve if you just sit there, and it definitely won't improve if you just complain about it and/or spend all your time and effort looking for other people to blame what you are ultimately responsible for.

I know for me, I 'woke up' about 10 years ago over $25K in debt and the only one on the planet that had a worse credit score than me, was the U.S. Government with their 17 trillion debt. Now, my FICO score is zero. Why? Because I don't borrow money. I don't need to. How did I do it? I decided that I no longer just wanted to "survive" paycheck to paycheck. Instead, I wanted to *THRIVE*.
In addition to my day job, I started delivering pizza on the weekends and *every* *single* *penny* that I did not need for the basic requirements of food, clothing, transportation and shelter when to paying off debt. Got all the credit cards paid off in less than a year. Then I kept going. Of the primary residence and three rental properties I own, I paid off one of the rentals in another 2 years. Now, life is easier, and every single penny of income from the paid off rental goes to paying off another rental early. Talk about cash flow! I have it!  So get started! THe sooner you start, the sooner you finish.

- List all of your debts smallest to largest.

- Pay the absolute minimum each month on all those debts, with the exception of the smallest one at the top of your list. For that one, you throw every single penny at it you can, as fast as you can. Once it's paid off (and it will be faster than you may expect too) you now have that extra money to throw at your "new" lowest debt. It just snowballs, and before you even know it, not only are you accustomed to the new lifestyle of paying for what you need, versus what you want, when you pay off that last debt, you "keep" paying, but you pay it to "yourself".

For me it's nice now. When I get credit card offers in the mail, I don't even open them. They go straight to the shredder. I was able to cash flow two kids through college, and they both graduated with ZERO debt. So this not only benefited me. My kids start off in life working for themselves, and not for some lender that funded their education through student loans, since they did not need them.

So quit reading this, quit fretting, and open your eyes each and every morning with the first thought that comes to mind being "what I can do to improve my life today?" Then get up and *go* *do* *it*.