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Old 07-14-2006, 04:23 PM
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Oprah's Debt Diet

I happened to catch todays segment of Oprah's Debt Diet eposodes. To read about the families that have been working the program the past couple of months go to oprah.com These are the tips to get out of debt. I found the show very interesting.

America—it is time to get rid of your debt! Financial experts David Bach, Jean Chatzky and Glinda Bridgforth offer their step-by-step action plan to help set you on the path to financial freedom.

PHASE 1
Give yourself one month to complete these steps—you can do one a week!

Step 1: How much debt do you really have?
It's time to get real about your debt. Do you know how much living with debt is costing you?

Step 2: Track your spending and find extra money to pay down debt
Time to cut back on the extras. Use David Bach's Latte Factor® calculator to find big savings where you least expect them! It is time to start paying you.

Step 3: Learn to play the credit card game
Think $10 a day won't make a big difference in your debt? Think again! With this plan you can pay off $8,000 in credit card debt in just 3 years.
* Note: Step 3 Part 4 has been revised.

Step 4: Stop spending
Making small changes can help in a big way. Use these tricks to help you spend less and save more.

PHASE 2
In the second phase of the Debt Diet, the steps become more detailed and have more long-term goals.

Step 5: Create a monthly spending plan
Use the monthly spending plan worksheet and calculator to create a budget that you can stick to—and save with—every paycheck.

Step 6: Take big steps to grow your income
Whether it is selling your assets or getting a second job, sometimes you have to make big choices to get out of debt.

Step 7: Prioritize your debts and raise your credit score
Confused about which debts to pay off first? Here's a plan to pay down your debt while actually improving your credit score!

Step 8: Understand your spending issues…and save!
Take this quiz and get to the heart of why you spend. Then, find out how to resist temptation and build an emergency fund.

Please note: This is general advice. You should consult with your own financial advisor before making any major financial decisions, including investments or changes to your portfolio. Harpo is not responsible for any losses, damages or claims that may result from your financial decisions.

Roberta
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Old 07-23-2006, 01:54 PM
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Old 07-23-2006, 05:20 PM
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I was floored reading about the families & couples that were doing the Debt Diet and what their spending habits were when they started. $800 a month on eating out, twice what my mortgage payment is.

Roberta
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