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Debt Freedomit is something that everybody wants to achieve, but the question is, how you get there. Reaching debt freedom involves changing the way we think about our money and the way we manage our money. I am not saying you need to give up all the things that you like, but you may want to take a good hard look at what is really important in your life.

Is having things now more important than having a future. Fulfilling your dreams in the future will take some planning in the present. How you handle your money in the present will determine how much of it you will retain for your future. There are some very basic and simple changes you can make in your daily life that will help you prepare for a financially sound future. Here are some simple changes you can make that will you achieve debt freedom:

1. Stop financing your lifestyle with credit cards. If it is not an emergency (the latest shoe style is not an emergency) or it can not be paid off in full monthly, it should not be charged. Credit cards are robbing Americans of a sound financial future.

2. Keep a log of your spending. Once you know where your money is going, it will be easier to see where you can cut back. Put the extra money towards paying down your credit cards.

3. Pack your lunch 3 days (or more) a week. Eating out can be expensive and brown bagging it will save you money.

4. Instead of going out to the movies, rent a movie and enjoy a family movie night at home.

5. Have a pizza party and make your pizza at home instead of ordering out.

6. Buy in bulk and freeze dinners. This will not only save you money it will save you time.

7. Give handmade gifts and cards.

8. Shop at consignment shops, thrift stores, discount stores and yard sales.

9. Consider discontinuing or downgrading your cell phones and cable TV plans.

10. Pay more than the minimum payment on your credit cards. If you pay only the minimum on a credit card with a $3000 balance, it will cost you $2780 in interest and will take you 8 years to pay the balance off. If you pay an extra $50 a month towards your balance, you will save $1800 in interest and have your debt paid off in three years.

Bottom line is before you can live debt free you have to become debt free. Following some of these tips will help you achieve debt freedom. With a little bit of effort, you will be able find many ways of saving money. Start by looking at things you spend money on and find ways to reduce or eliminate these expenses. Every little bit helps.

Marjorie Salada is the owner of http://www.debtmanagement1.com, a website that contains information on debt consolidation, debt settlement, debt counseling and how to manage credit card debt.

What are you waiting for? Grab a pen.

Be prepared to take some notes and put your reading glasses on so you can read between the lines. I dont want this to be oversimplified but all you really need is commitment and a system to get you there.

That is oversimplified, isnt it? Your bottom jaw probably dropped on that last statement. First, lets take care of commitment. Without this, nothing else matters. If you dont have a commitment or do not desire to develop one, you will be as effective if you unplugged your computer. (You could save money this way also.) Commitment is something you develop. Most people trying to develop an online business are looking for something for nothing. They dont want to pay for memberships, tools or marketing costs. But, the most important part is they dont want to change who they are to become a successful business person.

Commitment is more than attending conference calls. Commitment is more than setting up an autoresponder. Commitment is more than talking to your neighbor about your business this week. Commitment is reading books by Napoleon Hill, Dale Carnegie and Og Mandino. Commitment is learning something new and applying it in your business. Commitment is learning the marketing system that you are using with your business and applying it in your business. Commitment is pushing yourself when you get frustrated, want to quit, or want to watch TV on your business time.

We can write this entire article on Commitment but we need to move on to the main event.

THE SYSTEM

Obviously without Commitment, nothing else matters. But, without a functioning SYSTEM, even the best intentions of Commitment will not be of any value.

We are really stressing a System as opposed to throwing undefined efforts of a marketing campaign at your internet business. Just for the sake of acknowledgement, there are quite a number of very successful individuals that do not use a system. They may use one or more marketing procedures and they do all right. Unfortunately for the majority of network marketers, we just do not have deep pockets that we can spend on these marketing programs. Some marketing programs may cost thousands of dollars before you break even and start making a profit. This is fine for someone selling a product through an online business using direct sales. This is not the best procedure or marketing plan for someone that is using internet marketing to build a network marketing business with.

There are a lot of systems out there but lets get specific. I learned a system years ago but the person that first shared this with me was doing direct sells for his internet business. He was an internet marketer that wasnt interested in building a sales organization. Recently, I ran across this system (adapted for network marketing) that was being used not only to build a sales organization but further designed to make it profitable for the participants at a faster rate. For the newbie network marketer, this is crucial.

The curtain is drawn and out on the stage walks the new network marketer. He/she is ready to make money online. They tried the offline network marketing businesses, they bothered their family and friends and subsequently joined the NFL club (No Friends Left). Now, they are reaching out for the last hope, the opportunity to make up that $300 deficit in their monthly budget, the chance that mom could stay home with Junior that is having difficulty in school.

The dreams are there! Only to be dashed against the cyber wall on INTERNET MARKETINGS GIGANTIC FAILURE RATE!

Is this fair? Of course not. As a reader of this article, is it your goal to throw those dreams away? Do you have COMMITMENT? If you have Commitment, the system is there.

What is the SYSTEM? What I was taught years ago was to concentrate your advertising to focus on a low cost product. The purpose of this is the build your list. List building is one of the most important activities you can do. Your low cost product is not designed to make you money but to cut the cost of building your list. Once you build your list, then you can sell other higher cost products to this list. You already spent the money necessary to obtain your customers on this list. Now you have customers that cost you little to no money to maintain.

The System that Im talking about as it pertains to network marketing is: the Funded Sponsoring Franchise System. In this System, you have a free system that provides the structure and the training for the individual business owner. The new marketer can join for free and look around. If he/she decides to participate with the System, they can participate fully or partially. It is their preference. (They have to ultimately determine their own level of Commitment.) The overall purpose of the system is to provide a means for them to promote their primary business and at the same time eliminate the costs of their marketing efforts. The System will provide a means for them to make immediate income that they could use to Fund their costs of marketing.

Learn more marketing tips from Stephen Sampson by visiting his marketing Blog at:

Like every parent, you too expect the best for your child- the best clothes, best house, best school and the best college. Expecting the best for your child does not mean that you will always be able to give him/her the best. There may be financial constraints that you can face. The big problem arises when you pay for your child's higher education. 529 is an effective tool that will be useful for you in paying the education cost of college.

This is a known truth that the college costs go up each year. In order to provide your child with a good higher education you should start saving money now. 529 is an investment plan that helps you save money in a smarter way. 529 plan is the program, which takes away all your worries related to your ward's future education. It is a plan that can really help you save money for the college fees. 529 plans offer two options, one is the college savings plan and the other is prepaid tuition plan.

Some of the advantages of 529 plan are:

* The money that you earn is income-tax free.

* You have complete control over the account proceedings. In other words, the parent who is investing money in the account has control over the assets within the program. The age of the beneficiary doesn't matter; the control still remains in your hands and not your childs.

* You can change the beneficiary of the plan at any time.

* The money that you withdraw can be used for expenses such as college fees, books, boarding charges, lodging charges, computers etc.

* Your familys income level is not a constraint for saving in the 529 plans.

If you want to ensure quality education for your child in the future years, then you must start saving now. For example, suppose your child is 8 years old, then you have almost 10 years to save for his/her college education. A 529 plan will help you do so smoothly and with a lot of ease. Ten years of saving might seem a long time, but if you look at the increasing costs of college education, you will realize how crucial saving in these years will be. So, if you don't start saving now then realize that you are putting your child's future at stake.

Jay White is an author, copywriter, and marketer who's trying to figure out how he's going to put 2 kids through college. For more great tips, techniques, and strategies about how to save money with 529 plans, check out http://www.529-comparison.com 529 Comparison