3. Take classes, take up a hobby or acquire a skill. How do your spend most of your time? Do you waste valuable hours lamenting in self-pity, bad luck or a disadvantaged set of circumstances? Or will you take active control to resolve situation?

If there is an interest there is a class for it. And now that there's internet taking a class is just as easy as leisurely clicking a link. There are many available classes that are free, or via email and some that may cost a bill or two to enter a site.

Or if you'd prefer, take a class at local colleges or universities which offer that immediate one on one support available through that type of arrangement. Your local library or museum may schedule classes or speakers covering a variety of subjects, too. Some locations even award certificates after completion if that is your requirement.

Increasing your knowledge or skills over long term not only provides confidence and mastery of skills developed by use of what is called putting in your "sweat equity" by taking necessary courses and steps, but it will also provide flexibility by creating for you a new source of income using your newly developed talent(s) or expertise. You may offer for a fee a service, provide a product (or product line),to sell your knowledge or in any of combinations listed through your choice of method at a profit giving you unlimited possibilities.

When used separately or together above suggestions work effectively over time giving to you increase that you've longed desired. Use your spare time moments to work for you effortlessly and automatically...even with family, friends or loved ones.

A woman, who I know casually, had no problem with taking on more debt because she saw herself able to handle extra payments. She reasoned, if everything remained same she could handle drain on her income. So she bought some expensive gift items on her cards and began making monthly payments.

However things never remain same and she found out rather quickly, she could not see into future very well. Her car gave out on her. The repairs exceeded value of car. She needed one for work, so she bought another one.

The new payment wiped out tiny cushion she had each month and also made it impossible to pay on her credit cards and store accounts. Today she finds herself hounded by her creditors and unable to pay them anything.

What she should have done, and what you should do, is pay off your debt while you can and not take on any more. Whatever extra you have each month should be applied towards getting out of debt in a systematic way. Until you are debt free you should order your life to make it a top priority.

Life’s pressures are more easily handled without money worries dogging you. Then when those big promotions, with those big raises come along, you will be trained to put some aside. And without debt to take care of, you can. The goods times then, truly will be good times.

Copyright 2004 www.debtattack.com