Out of debt

1 - To be paid. Upon receipt of your salary for an entry of money ... remove 10% you put in an account. This account will be your foundation to your new financial life. Do not touch this amount, each month, will grow.

2 - Give. As previously remove 10% of your salary to give to others. The principle is to give without expecting anything in return, or thanks, or gratitude, or smiles ... You have to give the universe will reward you many times over.

3 - Do these accounts. It is to face. You will discover your lifestyle. Do your maths as accurately as possible. Calculate your expenses by taking accurate accounts of last year and enter the monthly expenses and enter the total of each category in the end, add and divide by 12. If your expenses exceed your gains, you will find categories to decline (eg communication).

4 - Do not be in debt. You can, overnight, to have no debts. To do this, after your account specifically, you take back 20% of your salary and you pay all your creditors in proportion to the amounts due. You are no longer in debt but you are free because you pay your creditors and that changes everything to others and especially to you. You can go out and look at the friends, family, banker ... with pride.

5 - Check your creditors. Yes I invite you to move to offer your creditors a repayment plan. Your banker, taxes, your friends and family to whom you owe money will be happy to finally see their money back in their box. Few will refuse and expect to be surprised.

6 - The account of the universe. Take a notebook and open an account where you will receive every day from the money from the world € .100 on the first day, second day € 200 € 3000 ... the 30th day. You can buy what you want. For that you write a check (fictitious of course) with the price, recipient, and the date and see it on your account book. The only requirement is "not the debtor." You will discover the joy of being able to buy what you want and discover that most often seen in our small requests.

7 - Form. Have a ticket in your wallet 50 or € 100 and walk the streets looking at the displays, restaurant menus, but the windows and menus or famous brands and tell you that today you could, if you like, give you this bag, the scarf, the menu ... but do you really need here and now?

The success of your financial recovery.