My Free Site for Getting Out of Debt
Millions of people are up to their eyeballs in debt. I have created a site to help people get out of debt. The site 100% free.
I have written about my goals for this site:
DELIVERANCE FROM DEBT
That's the name of my new website. It's a free site. There
are no ads on it. It is aimed at Christians who find themselves
so far in debt that their credit ratings, their homes, and their
solvency are at risk. They are at the end of their ropes.
That's when they are ready to re-think what they have done to
themselves in the pursuit of American consumerism. You can
access the site here:
Debt is a habit. For governments, it's unbreakable.
Government debt always rises. That's because politicians believe
that they can always raise money by imposing new taxes.
The Federal government this year will run a deficit of 13%
of Gross Domestic Product. As recently as a year ago, this would
have been inconceivable. The Secretary of the Treasury told
Chinese officials on June 1 that the U.S. will bring this down to
3%. He did not say how or when.
For individuals, deliverance from debt is possible without
declaring bankruptcy. This is not easy, but it's possible.
Some of my readers have done this. I asked for testimonials
from my readers, and there were some powerful stories. I have
posted the best of these on my site. http://www.DeliveranceFromDebt.com/public/department41.cfm
I would like all of them to join my site as volunteer
counselors. My site has Q&A forums where people can ask
questions about getting out of debt. They want real-world
answers from people who have gone through this experience.
You may not be deep in debt. But if you have ever been in
debt and have climbed out of the hole, I would like you to join
my site. You can help people. Click here:
A SITE FOR CHRISTIANS
The techniques for getting out of debt are universal. They
are simple to describe, but difficult to implement.
Why target only Christians? To concentrate the focus the
site. A special-interest site aimed at a targeted audience is
more likely to attract people who are ready to take action. I
cannot compete with Dave Ramsey, who has a broad-based site and a
radio show. He has a lock on the broadcasting industry. My site
There is another factor. Christians who get deeply into
debt have a guilt problem. They are aware of the Apostle Paul's
injunction: "Owe no man any thing, but to love one another"
(Romans 13:8a). They know that they have violated a fundamental
principle of their religion. I have taken this motivation as a
guide to structuring my site.
I also remind them of Moses' words.
The stranger that is within thee shall get up above
thee very high; and thou shalt come down very low. He
shall lend to thee, and thou shalt not lend to him: he
shall be the head, and thou shalt be the tail
Consumer debt is a curse. It is a mark of a present-
oriented person who has discounted the cost of his actions. The
consumer has built a prison for himself. Plastic has become
If someone of a different religion wants to copy my site,
I'll help him do it. If I have written anything on my site that
he thinks could help him show people how to get out of debt, I'll
let him reprint it. This is a joint effort.
I am working my side of the street. That does not mean I am
trying to create a monopoly.
A 12-STEP, 12-WEEK COURSE
I have written a 12-week course for people who are serious
about getting out of debt and staying out. People can sign up
for it on my site's home page.
The course is a how-to program. It provides the tools
needed. Then the site's forums will provide assistance.
How-to programs are self-help programs. Mine is less of a
self-help program than a 12-step addiction-deliverance program.
If a person deep in debt could get out on his own, he already
would have done it.
The problem that we all face in life is that it is not good
enough to know what to do; we then have to do it. Someone may
want to lose weight, but he is not going to lose weight if he
reads a diet book while munching on chips and bean dip. It may
be the best diet book in the world, but unless he changes his
eating habits, he is not going to lose any weight. It is exactly
the same thing with personal finances.
Those of us who are involved in direct-response marketing
know that it is always easier to sell a cure than prevention.
There is an old saying, "an ounce of prevention is worth a pound
of cure." The problem is, most people are unwilling to pay for
the ounce of prevention, so they wind up paying a pound of cure.
If people were trained by their parents from an early age to
budget their money, they would probably not fall into the trap of
massive debt when they become adults. There is no guarantee that
this would be the case, because the lure of "buy now, pay later"
is very great. But, on the whole, people who learn good habits
with respect to their spending when they are teenagers are much
less likely to fall into bad spending habits when they are
If someone follows my recommendations each week for all 12
weeks, he will gain a new set of habits. These new habits will
change his life. But, as with any new habits, it takes time to
make them a part of people's lives. Even more difficult, when
they have replaced a long-entrenched series of bad habits, a
person finds that it is very difficult to keep from falling back.
One of the reasons why I divided up the course into 12
weekly lessons is because I know that people need time to make
the transition from debt-based living to thrift-based living. It
is almost impossible in a brief period of time to make all of the
changes that you need to make. So, I have put together a course
that takes you through the fundamentals in a 12-week period. The
course does not simply tell people the fundamentals; it enables
them to adopts these new habits as part of a new way of living.
In the same way that a diet is not supposed to be a
temporary change of eating, so is this program not supposed to be
a one-time debt-reduction program. A diet may work for the
period of time that you are on the diet, but if you go off the
diet, it will have done you no good.
In the same way that a diet does not do you much good if you
see it as a temporary change to achieve a short-term goal, such
as going back to your high school reunion in a slimmer condition,
so my course will do you no good if you think it is merely a
means of getting debt free on a one-time basis.
The goal should not be to get debt-free on a one-time basis.
The goal should be to stay debt-free for life. A diet will not
keep anyone slender unless it becomes a new way of eating. The
same is true of the information that is in my course.
BENEFITS AND COSTS
A good salesman presents the benefits of whatever he is
selling. I decided to list some of the benefits that a student
will receive if he adopt the spending program that I present in
my course. (If this reads like an advertisement, that's because
it is. I wrote it for someone who does not read financial
newsletters. I will use Google ads to draw people to a page that
has this message on it.)
You will have greater confidence in yourself.
You will receive the foundations of a lifelong success
You will find that you have increased income every
month after expenses.
You will be able to leave an inheritance for your
children. I don't mean simply an economic inheritance;
I mean an inheritance relating to their lifestyle.
An honest salesman also discusses costs. With respect to
the material in my course, these costs are actually benefits, but
a person who has found himself in deep debt does not initially
perceive that these costs are benefits.
It requires a leap of faith.
It requires tithing, which means reduced consumption
It requires a systematic program of budgeting.
It requires constant self-assessment through a series
of budget reviews.
It requires a savings program.
First, there will be a weekly action step. This action step
is required for the next week's lesson. These steps are
Second, I offer a series of tools that anyone can use to
implement the recommended plan.
Why should anyone do all this? Let's go through the basics.
First you are worrying about money. You find that you
have more month than money. If you stick with my
course, you will stop worrying about money because you
will have more money than month or he
Second, you are paying other people for past purchases.
When you're through with my course, you will no longer
pay anybody for past purchases.
Third, you are burdened by a sense of personal failure.
There is a reason for this. You have failed. I am
going to show you how to succeed.
Fourth, You lack a lifetime plan of action. I'm going
to show you how to construct a new lifetime plan, and
then follow through on.
Fifth, you are consuming your children's inheritance in
the broadest sense of the term. They cannot look to
you for guidance in the handling of their personal
finances. Even if you know what to do, you're going to
be in the position of generations of parents who tell
their children, "Do as I say, and not as I do." That
statement has never convinced very many children.
Where should you be after 12 weeks?
First, you should be rejoicing at your life's benefits.
Second you will be much less of a borrower. You will
learn how to become a lender.
Third, you will find that your expanding your personal
influence. This is part of the training of my course.
Fourth, you will find that you are able to fulfill more
of your life's goals. Not only that, you will have new
goals that you have not paid any attention to
Fifth, you will find that you are on the road to
accumulating wealth. You ought to be there now, but
you're not. This is going to change.
The Bible teaches that the borrower is servant to the lender
(Proverbs 22:7). I show people how to cease being servants to
THE COSTS OF NOT CHANGING
People who are in debt have very little wiggle room with
their budget. They have no room for emergencies. The trouble
is, emergencies always arise. So, people go into greater debt in
order to handle the emergencies. This is a downward spiral.
When you are in debt, you have low mobility. You have low
mobility geographically, and you have low mobility in your
career. You are unable to take advantage of opportunities that
spring up, because you are so far in debt that you are unable to
rely on personal financial reserves long enough to take advantage
of the opportunity.
Another curse of debt living is that you make purchases that
you later feel guilty about. You are tired of the guilt, but you
seem to be unable to break the addiction of making purchases.
I'm going to show you how to escape that bondage.
You face higher interest costs than other people, precisely
because you have so much debt. You cannot take advantage of low
mortgage rates, because lenders are not going to lend you money
at the lowest possible rates.
You pay more for the goods that you buy because you are not
paying cash. You do not have cash, so you are not in a position
to negotiate lower prices. This is always a disadvantage. Money
talks. Cash talks loudest of all.
BUT YOU KNOW ALL THIS
Millions of people don't.
It's amazing that they don't. Their parents did not tell
them, or maybe they just did not listen. Or maybe they figured
they could beat the system.
My goal is to get cooperation from churches in promoting my
site. Churches see their income falling. They ought to offer
financial counseling, but few do. The deacons are called upon to
provide aid to families that would not need the aid if they had
not gone into debt.
The site is here: www.DeliveranceFromDebt.com