Estimating When You’ll Be Debt-Free

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The first thing I want you to do is to cut up and throw away all of your credit cards,
with the exception of 1 card you will keep for travel and true emergencies.

These are only to be used in the event you don’t have the cash to pay for the
expenses. But DO NOT carry a balance on this card.

Now I know I can hear some of you trying to justify the reason why you should
only have ONE credit card.

If you hear yourself making excuses, stop and think for a moment. Isn’t this what
an alcoholic does when they just want “a tiny drink”?

You will have a much more difficult time if you try to pay off your credit card bill
and still continue to use them. The best advice – cold turkey!

Now while you are on your debt-free journey, I want you to give up the use of

One of the most popular excuses is…I pay them off at the end of the month.

Well, if this is true, it should be very easy for those of you that do this.

Simply pay for the expenses throughout the month rather than at the end of the

I know you may be thinking “what if an emergency comes up.”

Think about it, how many true emergencies have you had during the last 12

Really think about it. If you do happen to have an emergency, I want you to use
your “Debt Relief Cash” money first and then only if you absolutely need it, use
your emergency credit card.

Then I want you to use the Debt Relief Cash to pay off the new amount you
incurred on your credit card before you resume your debt payoff program.

With this new way of living, you will use your Debt Relief Cash for any
emergencies that come up, because as you go through the program, you will be
reducing your debt by a little more each month.


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