My name is Lawrence and I have been through a lot where debt, loans and credit cards are concerned. I had letters of demand from creditors and sleepless nights, but overcame it and worked my way systematically through my personal debt.

It is everybody's dream to live a happy, free and financially independent lifestyle. Imagine yourself getting out of the rat race, sleepless nights and living your dream life and achieving all of your goals.

It is definitely possible and if I can do it then you can do it also. Remember there are lots of stuff happening in the world today e.g. recessions, job losses, disability etc.

Follow my website and blog of how I am trying to become 100% debt free. Hold on tight the ride is going to be quite bumpy. :)

At one point in my life I had the following all at one time:

• 4 Credit Cards maxed
• 3 bank loans
• 3 clothing accounts
• 2 general store cards and accounts
• Mobile phone subscription account
• Owed family some money
• food monthly credit debt

Wow, maybe your situation is similar or you even have more debt than what I had. So I know what it is to live above your means and living from paycheck to paycheck. I also know what it is to borrow money, waste money and live below my means.

Challenge yourself and pay of your debt one by one. It will cost you to sacrifice, but it in the long run you will become financially independent and debt free.

Just remember that if I can do it then you can do it also.

Regards

Lawrence (Debt Free Man)

I recommend you to read the following debt e-books on debt management.