Becoming Free of DebtWritten by David DeFord
Continued from page 1 So, what will it take to eliminate your debt? First, you will need to determine why you are in debt in first place. Don't spend time on external reasons--they are excuses. What inside of you built your debt? Generally, internal reasons center on need for immediate gratification. Rather than saving your money for furniture, cars, or vacations, did you borrow for them? Distinguish between need and want. Maybe you wanted to keep up with living standard of your friends or family. Or you frequently make purchases on impulse. Search your heart deeply. Discuss your debt situation with your spouse. You can't make needed changes without his or her help. Maybe he or she sees more clearly than you internal cause. Make a Plan After you have identified internal cause, make a plan to conquer it. Make a budget, make a goal. Decide how you will reduce your spending enough to attack your debt. Some people think a budget robs them of their freedom. On contrary, successful people have learned that a budget makes real economic freedom possible. Think of your debt as a cancer. You must first eliminate it's spreading, and then you must eradicate it. Use invasive treatments to kill it. Use snowball technique. 1. Identify your smallest debt (debt one). 2. Pour every available cent each payday into paying down that debt. Pay minimum payment on other debts. 3. Once you have paid off that first debt, identify next smallest one (debt two). 4. Add amount you had been paying on debt one to minimum of debt two, and pay that amount. 5. Let snowball grow with each debt you eliminate. As you continue, your snowball will get huge, and your progress will seem to multiply. Keep a chart of your progress. Plan ahead how you will celebrate successful elimination of each debt along way. But don't celebrate in ways that would slow your progress. Be tenacious. Don't let anything get in your way. Once you have achieved your desired end-financial freedom, resolve to never have debt again--keep budgeting. You can then begin delightful opportunity to use your excess earnings toward building wealth, enjoying fruits of your labors, and preparing for your retirement. You can do it-start today!

David DeFord is the owner of Ordinary People Can Win, a personal development company dedicated to helping ordinary people achieve extraordinary success in all areas of their lives. He promotes success through personal development. He is developing a website at www.OrdinaryPeopleCanWin.com and offers a free weekly e-zine. To subscribe, go to: http://postsnet.com/app/campaigner/services/optinlist/processoptinrequest.jsp?oilb=84860632
| | Mythology & Parables in Modern Communication Part 2Written by Maurice Turmel PhD
Continued from page 1
As mentioned earlier, historically, in times of turmoil and chaos, Myths were called upon to help explain events, to provide a forum for discussion, to advance idea that we, human race, were indeed ready for advancing change. And here is “Mucker” in all of this. The fact is: “We bring change upon ourselves.” Then we scramble about to try and make sense of it. Yes, We, human Race, drive change! And long before we formally understood this process, we had Myths and Parables about it. We always had Myths announcing and/or standing, at vanguard of a New Era. They were and still are “gatekeepers” and “shepherds” for future. They told us what was coming over next horizon and what we needed to do to get through this inevitable challenge. Myths and Parables not only helped us prepare, they helped us execute changes and adjustments that are always necessary to success of such a process. So, how are we to prepare for this rapidly advancing Millennium and Changes we are bringing upon ourselves? We have to reach into our Souls now for sustenance that we need. There, hidden inside, behind all those roles, addictions and fears we show world, is Energy, Vitality, and Inspiration that is to take us through our great leap forward. There inside is “Heart” that rings “Bell” that awakens us to our true destiny. It is no accident that we are here now, at this time in our history. And it is no accident that a great variety of warning “Bells” are sounding. It’s up to each and every one of us to tie into our Individual Myths and activate them for coming Millennium. We are at that doorstep now. It falls to each of us to step on through. (In part 3 of this series we will get into how this is supposed to happen and how many of our Great writers have been warning us about how to be prepared.)

Maurice Turmel PhD is the author of "Parables for a Modern Age" and publisher of the Ezine: "Second Helping" of Self-Help Now. He was a practicing therapist for nearly 25 years and is now an Author, Speaker and Performing Songwriter, in the areas of Personal Growth, Creativity and Spiritual Development. He can be reached at drmoe@self-helpnow.com or visit the website at: http://www.self-helpnow.com
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