All families and home biz owners have to think about debt, finances, bills and income almost every day. There is no reason to be overwhelmed by something that can actually be CHANGED. How?

This article will show you how to:

* Eliminate all of your debt (including your mortgage) in 5 - 7 years * Take control of your finances * Become financially independent (the dream of most Americans) by retirement.

The First Step is to get a copy of your CREDIT REPORT. In it you will find your entire credit history. It may be shocking to you, but it will be revealing. I suggest that you do it today. At bottom of this report is a link to help you get started.

The Second Step is to make a list of all debts you have using "ROLL DOWN SYSTEM." This is a powerful but little known system that will allow you to pay off all your debts, including your mortgage, in half time or less than you may have thought possible.

Start by calculating entire amount you are spending on all debt payments each month, including your mortgage. Then list credit cards, credit lines, car loans and other short term debt, from smallest to largest. From this time forward, simply spend same amount each month to service your debt you have always spent. Here’s secret to accelerated payoff...

Once you have completely paid off your first debt, DO NOT begin spending amount of payment – add it to payment of next debt on list! As each debt pays off, continue this process. In a year or two, you will get to...

However, there is one tool that we all possess that can be detrimental to one's safety, and that tool is Awareness. How many times have you found yourself running errands, in a hurry, and you virtually had 'tunnel-vision'? Unaware of everything going on around you except what you were doing at time.