DRJ blog header 10 2018

Budgeting Essentials

Helping you master the practical essentials of Budgeting, Cash Flow, Accounting and Debt Relief.

This blog addresses Debt Relief issues and tips for people who want to learn more about debt and get out of debt.  The posts give you practical definitions and suggestions on debt relief.  Learn how to get out of debt so you can do what you want with your money!

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This blog addresses Debt Relief issues and tips for people who want to learn more about debt and get out of debt.  The posts give you practical definitions and suggestions on debt relief.  Learn how to get out of debt so you can do what you want with your money!

Sign up to receive weekly post notifications in your inbox.  We respect your time and appreciate your joining us for these posts.

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How Reducing Debt Lets You Spend More!

Today we are going to talk about how reducing your debt actually lets you spend more. Sounds a little counter intuitive, right? Just Watch today's video, you will be glad you did!
What do you know about snowballs? When your roll them, they get bigger...right?
Debt is the same way. If you keep adding to your debt, it gets bigger. Sometimes debt gets unmanageable for people. But not You! You are watching this video and you are getting money smart and debt wise!

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© 2019 Dan Heiland 2019 Kat Heil, LLC

How to Make Debt Free Purchases

A. Debt freedom is a choice you make
B. You can buy what you want without debt holding you back
C. You’ve put off debt freedom this long – why wait longer?
D. Begin debt freedom with my FREE CLASS Today!

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© 2019 Dan Heiland 2019 Kat Heil, LLC

Goal Setting

Why would you bother to set a Debt-Control Goal?
1. To avoid discouragement
2. To keep debt payoff manageable
3. To overcome obstacles in your way
4. Did you know that you can REWARD yourself when you complete sub-goals?

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© 2019 Dan Heiland 2019 Kat Heil, LLC

Keep a Scorecard for Your Debt Relief

A. LEARN HOW YOUR GOALS RELATE TO DEBT PAY DOWN
B. Keeping score tells you what's left to pay on each debt.
AND...How far you've come on your Debt Relief Journey©.
C, LEARN WHEN TO LOOK AT YOUR SCORECARD
D. LEARN WHAT TO PUT ON YOUR DEBT RELIEF SCORECARD

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© 2019 Dan Heiland 2019 Kat Heil, LLC

Is Debt Relief a Goal or a Wish?

A. Find out WHY it is important to share Your Debt Reduction Goals.
B.Discover the DIFFERENCE between a Goal and a Wish.
C. Have you ever wished for something you KNEW you would never do?
D. Learn how and why ACCOUNTABILITY CAN WORK IN YOUR FAVOR!

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© 2019 Dan Heiland 2019 Kat Heil, LLC

Personal Debt vs. Personal Spending

When you are on a Debt Relief Journey, you may be tempted to focus on the debt aspect of the journey. But in order to be successful, you are going to have to focus on changing your spending habits.  Learn more in today’s blog. 

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© 2019 Dan Heiland 2019 Kat Heil, LLC

5 reasons not to refinance your loans

When you are feeling the pressure of debt, it can be tempting to grasp for solutions that sound like they will eliminate your debt.  While there are instances where refinancing could be appropriate, for most people a refinance loan is not a good idea.  Learn  more in today’s blog. 

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© 2019 Dan Heiland 2019 Kat Heil, LLC

5 tips to recession proof your finances

When it comes to the economy, you don’t have a choice about when a recession will hit.  But just because a recession comes, doesn’t mean you have to participate.  Use these tips to recession proof your finances.  Learn more in today’s blog. 

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© 2019 Dan Heiland 2019 Kat Heil, LLC

5 Reasons to get debt free Today!

When things get tight in a recession, most people have to cut back on what they are doing.  Debt payments are not adjustable.  Those payments have to be made regardless of the state of the economy.  But when you are debt free, you don’t have those obligations.  You have more options than people who are in debt.  Find out how to get debt free in today’s blog. 

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© 2019 Dan Heiland 2019 Kat Heil, LLC

5 tips to recession proof your finances

When it comes to the economy, you don’t have a choice about when a recession will hit.  But just because a recession comes, doesn’t mean you have to participate.  Use these tips to recession proof your finances.  Learn more in today’s blog. 

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© 2019 Dan Heiland 2019 Kat Heil, LLC

Don't wait for Economic Hard Times to Pay Down Debt

The economy goes up and down regularly.  Sometimes the ups last longer, but eventually the market makes a “correction” and a recession occurs.  You want to be prepared before a recession hits.  That is why you should look at these 5 reasons to eliminate debt before a recession hits.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

5 reasons to update your personal budget regularly

One of the first steps on your Debt Relief Journey is to create a budget that allows you to pay off your debt. But if you want to be successful on your Debt Relief Journey, creating that budget is not a one-time event. Learn more in today’s blog. 

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© 2019 Dan Heiland 2019 Kat Heil, LLC

Discontent = Enemy of Debt Relief

Discontent puts you in a frame of mind that buries you in a sea of despair and hinders your progress on your Debt Relief Journey. Contentment, on the other hand, lifts your head above your circumstances and fills you with hope for the future.  A future in which you can be debt free. Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

5 tips for Overcoming Overspending

Periodically, you may find that you have overspent your budget. While overspending slows your debt relief journey, it is not the end of your journey. Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

5 reasons to see yourself debt free

20190730 5 Reasons to See Yourself debt free

If you always think of yourself as being in debt, then you will always be in debt. But when you see yourself debt free, you can become debt free. Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

5 Ways to Get Debt Payoff Minded

Any time of the year is a great time to make adjustments that will help you improve your debt relief journey. You can never start too soon! Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

See yourself succeeding or struggling?

How are you looking at your debt relief journey? Do you see yourself succeeding or struggling?  However you see yourself will determine how your journey will turn out. Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

5 reasons debt shouldn’t be “Normal” for you

Many people are taught that you have to go into debt in order to purchase things that you want. But should that be normal?  Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

5 Things you can do when you are debt free

One of the things that you should do on your debt relief journey is picture what life will look like when you are debt free. Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

How to Deal with Naysayers

When you are on your Debt Relief Journey, you will come across people who don’t understand what you are trying to accomplish.  They are often the ones who have big plans, but never seem to follow through on them.  They may even be friends and family members.  Learn how to deal with them in today’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

DEBT on my mind free class

Many people are caught in the debt cycle.

Learn how to reduce your debt yourself!

FREE online Workshop   

Step by step process...

Easy to follow format...

Available on your schedule...

No monthly fees...

 CLICK HERE TO GET STARTED!!!.