At Oprah.com, financial experts David Bach, Jean Chatzky and Glinda Bridgforth offer a step-by-step action plan to help you get rid of your debt. The plan has 8 steps, and they concentrate on calculating your essential costs and cut back your excess costs – and stick to your spending plan! It is all about save what you got to free yourself from financial problem sooner:
- Step 1: How much debt do you really have?
- Step 2: Track your spending and find extra money to pay down debt
- Step 3: Learn to play the credit card game
- Step 4: Stop spending
- Step 5: Create a monthly spending plan
- Step 6: Take big steps to grow your income
- Step 7: Prioritize your debts and raise your credit score
- Step 8: Understand your spending issues…and save!
Oprah’s Debt Diet: Step by Step Action Plan – [Oprah.com]
I think the 7 baby-steps from Dave Ramsey are far simpler and more effective. They are less pleasant to our ego’s and desires because they make us sacrifice to get there, but they will work faster than anything else. http://www.daveramsey.com if you want to find out more.
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