Dear visitor you are not alone. I've been there myself and believe me it is not nice to have sleepless nights, debt collectors and lawyers knocking on your door.

If you looking for tips and hear from personal experience about debt, credit, loans, debt consolidation, debt counselling or management then you come to the right place.

Read the articles on this site and find out how I managed to reduce all of my debt and on track to clear all of it.

There are millions of other people all around the world that find themselves in the same boat of debt enslavement.

While you are reading this introduction, numerous more people are getting trapped in debt bondage.

Total consumer debt is skyrocketing by the second. Some countries are even feeling the rippling effect of consumer debt in their economies.

Statistics show that people spend more than what they take home. Things are not looking pretty out there.

One of the primary causes of DEBT is revolving credit, which is caused by credit card debt.

Getting debt is easy, but getting out of debt can be a struggle and a very painful experience. Believe me. It is not nice to have too much debt.

The whole week or month you work hard, blood, sweat and tears just to hand over your hard earned wages or salary to your creditors. Now that is a major problem that needs to be addressed, because your debt should not be more than 20% of your income.

So from personal debt experience it is not an ideal situation to find yourself in. You have so much debt that you start to live from paycheck to paycheck, just to make ends meet. It sometimes feels like you are drowning in debt and looking for that life line. So basically you exist just to work and pay your debt. Sometimes it can be all of your hard earned money that go straight to debt.

• Stagnant wages or salaries
• Rising interest rates (Cost of living going up)
• Easy access to credit
• Poor saving habits
• Lack of money managing skills
• Recessions
• Gambling

You hear all over the show in all forms of media some ridiculous, unrealistic promises of getting out of debt.

• Learn how to get out of debt in a blink of an eye
• Go sleep, wake up and your debt is gone
• Buy all sorts of things that will help you to get out of debt

You might have searched all over the internet or used other resources to find a quick fix to your financial troubles. My friend you get fast food, fast cars, fast cash ..., but not everything in life is fast or have a quick fix.

Let's be honest with ourselves, because there is no shortcuts to debt reduction. It will take discipline, dedication and a sound financial plan to get out of debt. It is a process and not an overnight miracle, especially if you got lots of debt. Unless Father Christmas comes early or you win the lotto, which is not impossible, but highly unlikely.

Let's say you did get an early present from Father Christmas or did win the lotto, it does not mean that you can't get back to square one again. Why? if you don't have a sound financial plan, you can easily fall back in the debt trap and get in too much debt again.

Debt counselling through a debt counselor and debt review can also help.

It is definitely possible for you to clear all of your debt.

There are ways to clear your debt:

* Debt consolidation / consolidations

* Better money management

* Debt Counselling South Africa

* Debt counsellors / counselors SA

* Debt management plan

* Voluntary arrangement with Creditors over a period

* File for bankruptcy

* Debt with Debt

I will share with you my personal experiences of how to strategically clear all of your debt. Read all the articles on the site and you will be on your way to become a 100% debt free man / debt free child / debt free teenager / debt free woman

Debt counseling and debt counselors can also help.

If I can do it then you can do it also. Enjoy :)