$10000 credit card debt

I used to owned $17,000 and after two years from that day, I earned up to (and be able to keep – which I couldn’t do it before) $10,000.  How did I do that? I just write the number down in front of me, put on a sticky note, and stick in front of the computer. $10000 credit card debt is really just a number if you think about it. It doesn’t do anything must to your life. By writing the number down you actually face it day to day which encourage you to take action to lower the number down. If you have heard about John Reese who was the first person who made $1,000,000 in 24 hours in the internet marketing world, he used to own $100,000 credit card debt around 20 years ago (which was much more by today’s value); he wrote the number down in front of him and was able to achieve super result at later stage.

pay small amount first

The next step is to pay a smaller amount first. Work out among $10000 credit card debt, which source of debt is the smallest among them all, and make a plan to pay that one first while keep paying a minimum amount for the rest of them. For example you may own A $5,000, B, $4,500 and C $500. You pay minimum about for A and B of $50 and $45 per month while focus on paying C $100 per month. In that way you can finish paying C within 5 month. After that you can give yourself a reward for your success. And keep continue with this plan until you can pay back all of them.

reward yourself

To sum up $10000 credit card debt is much smaller than who you really are. You need to write down the exact number in front of you and pay the smallest amount first and keep moving up until you are free of debt. Finally, don’t forget to reward yourself, stand up as a champion and proud of what you have accomplished. Good Luck.

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adding value

The first piece of the puzzle for personal finance success is adding value. There is nothing like adding value to people around you because you feel rich all the time. Furthermore, you must remember that the money itself has no value at all, it is just a piece of paper. The real thing behind the money is value. For example, if you give someone a watch, it is the real value, because it can make someone’s life is better. You must commit to add value whether the other person pays you or not. That will make you rich, and you will not have to worry about money any more if you keep focusing on adding value.

Personal Finance

The next piece of the puzzle in personal finance is spending less than you earn. If you keep spending more than you earn, no matter how much money you earn, you can never be rich. It seems so simple, and it works, you can buy the book Richest man in Babylon and read it 3 times, all the formula for getting rich is in the book. Tony Robbins also have a great book Awaken the giant within that teaches great deal about personal finance.

Enjoy financial success

The last but not least is that, remember to enjoy the process. How are you going to enjoy the personal finance success journey. It is very simple, you keep rewarding yourself along the way. Once a month, buy something nice for yourself. What the point of having all the money in the world and don’t enjoy yourself. So treat yourself nicely once a month.

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