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Debt is a Four-Letter Word
By Celeste Ratcliff and Barry Smail
Debt is almost never discussed openly. Yet, many families are burdened by it, and in some cases, destroyed by it. This burden falls most heavily upon women – shockingly, 50% of all women now aged 35-55 will live in poverty by age 70.
Families do not want to be in debt – they just don’t know how to eliminate it or where to turn for the support and guidance they need.
Eliminating debt. Unlike the “one size fits all” debt consolidators, there are more effective debt reduction programs that can help you. These programs do a detailed analysis of your financial information, show you how to spend your income more effectively, identify expenses that can be reduced or eliminated, and provide a step by step program for you to follow.
Do you own a home?
For homeowners, these programs can show you how to pay your mortgage down early, saving thousands of dollars in interest payments without bi-weekly payments, without refinancing the mortgage and without increasing your household expenses. And if you don’t own a home, they can outline manageable steps to guide you to financial freedom and security.
Do your homework!
Successful programs have a proven track record, are specifically tailored to your individual needs, provide a way to measure your progress, and most importantly, offer live support.
Is this for you?
If you do not believe there is a program for you – think again! Thousands of families are taking financial control and within just a few months, cross the barrier of uncertainty and know that they are on the way to a financially secure future.
We hope you will join them!
If you would like a free, no obligation analysis of your financial situation, please e-mail us at ratcliffc@iglide.net, call (401) 434-3703, or toll free (800) 383-6390. We also work with groups and associations interested in debt freedom.
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