How My Girlfriend and I Sold Both of Our Cars and Pocketed $13,800 Cash in Under One Hour…

A couple weeks ago my girlfriend and I both sold our cars, and got cash, in under an hour.

How did we manage to get the drivers at the same location, the test drive done, the paperwork signed, and $13,800 cash in hand within 30 minutes of one another?

I’m going to share with you exactly how we did it, but first let me tell you a why we did it in the first place…

If you’re reading this and you live in the United States, United Kingdom, Canada or Australia, then you’re probably wondering, what are you going to do for transportation?! Simple, buy another used car of course, but this time, using the same list of criteria that I outlined in 7 things to know before you buy your next used car.

OK. So why did we choose to sell our cars at the same time and the same place? 

To be honest, we didn’t.

As funny as it sounds we didn’t plan to be car-less at the same time, and the same place, let alone the same hour. But the stars aligned and we got the right buyers in front of our cars at the right time so it ended up working out.  

So what are we going to do? 

Well, my girlfriend and I had been working on planning our sale for about 3 months now, and we’ve been talking about selling the cars, downsizing to something reliable, with 4 wheels, an airbag, air conditioning (an absolute must if you live in texas) and can get her from point A to point B. 

For me, a car was an expense that wasn’t worth the convenience of paying for.

Insurance was costing $125 a month, the car was paid, but my debt payments were costing me 3.5% in interest and the money pocketed would help go towards paying off my $33,555 in student loan and credit card debt.

So deciding to sell my car was easy. 

Plus, I live across the street from work and I have a bicycle I ride to the coffee shop and grocery store. On longer trips there’s always ride shares like uber and lyft. 

Also, I don’t take my car with me when I leave the state or country on flights, so it just made more sense to sell it. 

My girlfriend had a $14,000 utility vehicle that she was driving because it was cute. It was depreciating and costing her $2,000 a year in maintenance fees, let alone gas and car insurance payments, so we decided that downsizing to a midsized sedan would be the best option for her. 

With all that being said, here are some key points we kept in mind which made the process smooth for both of us.

#1: Don’t be in a rush to sell, if you are you could leave money on the table

If you are in a rush to sell your car and you need cash tomorrow to pay your rent, medical bills, or a bad debt, then just close this website and take your car to the nearest car max. They won’t jerk you around and they will offer you the fair value on your car for trade. 

If you are not in a rush to sell, and are looking to try and max out your value of your car, then you can follow the process outlined below.

#2: Know what your car is worth before you start listing it

Once you’ve decided if you’re in a rush or not, you can start to strategize your game plan for selling your car. 

Here is our process we used to sell both of our cars, and it was pretty simple: 

Clean the cars > Photo them > Craft a compelling story > Post them to various market places > Wait. 

At first, my girlfriend wanted to sell her car for more than the car was worth on Kelly Blue Book, and when she got bogus responses from people I mentioned to her that maybe she should try selling it a little less. 

It didn’t help that she copied another ad for a like vehicle on ebay and failed to match up her model specs with the vehicle instead of using the wrong specs. 

Her car was selling, for the condition it was in, at around $11,500 on the high end (perfect condition) and $9,500 on the lower end. $8,500 for dealer trade in value. 

So I recommended to start listing it for around $10,500 and see how many offers she would get when listing it. 

To get a good estimate on your car go to KellyBluebook.com for the U.S.

#3 How to Craft A Compelling Ad for Your Vehicle

It all starts with your message. If you have a quality used vehicle that you no longer need and are looking to get rid of, you’ve researched it’s value using a tool like Kelly blue book, then now you are ready to craft a message that resonates with your buyer. 

You want to try and answer your buyers questions in your message before they have the need to ask it. Some common questions when buying a car are: Has it been in any wrecks, does it have original paint, what’s the gas mileage, how many people can it seat, what is the price, does it have room for my activities, does it have any mechanical issues, how many owners, how many miles, how old is the car, is there anything wrong with it that I should know about? 

Here’s how you can answer 99% of those questions in their mind in your ad:

> Mention the number of owners of the vehicle and include the vehicle history report. Use car fax or Vincheck Pro (a less expensive alternative which gives you 6 reports from the same national databases for the same price as one carfax report) to get the report and then save a pdf of it, or screen shot it.

> Don’t try to hide your VIN, it’s not secret like a social (SSN), it’s public knowledge and no once can steal your car with it. It’s also visible in many spots on your vehicle. 

> Was the vehicle in an accident, if so mention that upfront ( and keep in mind that may lower the value a bit but it’s better than losing the sale)

> Does the vehicle have original paint (mention this in your ad)

> Provide the vehicle specs you get off KBB or the Vincheck Pro form.

> Take 4-5 quality pictures from front, back, sides and the interior shots of the carpets and the trunk space. 

> And finally, tell your story why you are selling it.

Tell the potential buyer why you’re willing to part with this good used vehicle, you are moving, you are down sizing, you don’t like the color any more (stupid reason but it’s a reason none the less) tell them a reason why you are deciding to sell so that their rational brain has been fed and their “feeling” brain can decide if they want it or not. 

Once you’ve touched upon these points, write it up in a word document so that you can easily post to multiple market places. 

A serious buyer will contact you via the method you choose, a google voice number, social account messenger, or via email. 

#4: Posting Your Ad to Market Places

Once you’ve crafted a message following that format you will be ready to post your ad in a variety of market places including social marketplace like Facebook, local classified ads like Craigslist or your countries classifieds, on ebay as an auto auction with a buy it now of your price and a best offer option, or on ebay classifieds. 

You won’t need a lot of views but a few hundred targeted buyers will mean that if you even have 1-2 serious buyers then you will have a good chance of getting your offer price. 

My car sold from a simple facebook ad that I posted and because of the social proof I had from  the buyer knowing a mutual friend of mine on facebook. I also hit all the points mentioned above.

My girlfriend ended up selling her car to a buyer from Craigslist who messaged her about coming to see the car. We had about 3 other buyers from ebay messaging her about her vehicle but many of them were out of state and we’d have to charge 10% more because of the ebay fees. 

The advantage to using ebay is that you have a bigger pool of prospects; however, you do have to pay shipping, either you or the buyer, to sell the car. Otherwise they will have to drive it. 

#5 Transparency and Honesty Are Key, Don’t Try and Hide Anything From your Buyer

Firstly, please don’t try and run a used car business from your Facebook… Like I outlined in, 7 Things To Know Before You Buy Your Next Used Car, people have the power of the interenet now adays and can research you simply by looking at your profile. When 6 other cars come up in your profile that you are selling then it kind of sends off some read flags, and can deter some would be good buyers from buying from you. 

If you are going to sell on facebook, linkedin, or instagram please be as honest and upfront as you can be able any issues with the car, the VIN, and offer a free vehicle history report (like the one you can get with VinChecker Pro for just $15 bucks.

This will allow you to empower the customer and help them find the best solution for their needs, which ends up getting you a better reputation in the long run.

Secondly, don’t lie. Online or in person. No one benefits and you only hurt your chances. 

Folks can get a pretty good idea of if you are trust worthy or not, if you are not then there is no amount of cajoling that you will be able to do in order to convince them otherwise. 

Eye contact, a hand shake, and smiling are all things that convey trust to a potential buyer. 

If you are constantly breaking eye contact when you speak or you are not going to shake their hand, unwilling to talk a little bit about your personal life, then you will have difficulty building trust with others. 

#6: Lining Up the Motivated Buyer

If you are selling a car worth buying, the right buyer will come along. If you are price gouging on your car or trying to sell junk, then you are wasting your time and theirs. You can’t polish a turd.

One of the key concepts in selling the car is motivation. Whether you are looking for a car to buy or you are looking to get rid of a car, the question either party needs to ask is “What motivates them to sell/buy?”

If you are selling a car, telling your potential buyers your reason why you are selling it is so important. You may fear that they will try and abuse your trust and low ball you but guess what? If you have other offers, one low ball ain’t gonna hurt, you can just say “thank you but no”. 

We got many low ball offers on my girlfriends car, and some people who tried to play “secret spy”, and get information from me using sales “techniques” to control the conversation. 

Let me just say this is only a ‘Tactic’ and is not a strategy for success. 

Your strategy is your long term game plan, a tactic is an ‘in the moment’ action you take to produce a result. 

All too often in the car sales game sales people are focused on tactics and not strategy. 

Our criteria for a motivated buyer was someone looking to get a car in the next week or so, is seeking to gain this as their primary vehicle for transport, has the cash to pay for it at our asking price, and is willing to come and test drive the car. If the person didn’t meet that criteria then we simply thank them for their time and move on to the next contact. 

If you are in a rush to sell then you don’t have the luxury of waiting for the right buyer. If you priced your car wrong you will get too few inquiries to be able to find a motivated buyer. If you don’t set a minimum allowed price in your mind then when a motivated buyer comes along and makes you an offer you could be too ridgid and lose the sale. 

Which leads me to my next point. 

#7: Flexibility is Key

Being Flexible with you buyer, when you have someone that came all the way to look at your car, and they have the money withdrawn from the bank and all the necessary forms to sign the title to their name, they have “mentally” bought the car. They are ready to do the deal and only need to make sure to CTA “cover their ass”. 

What you need to do now is allow them to test drive your car. If meeting with a friend and one of their friends have your friend go with them while you stay with their friend or vise versa. What you are tyring to show is that you trust them and they can trust you. 

You are not going to leave your friend and they are not going to leave theirs behind by trying to steal the car. If you’ve decided on a public place in a good neighborhood then you shouldn’t have any trouble and by bringing a friend or family member along you have backup just in case something happened.

If you’ve followed the previous steps you shouldn’t have anything to worry about but it never hurts to be on the safe side. 

#8: Most deals are done in a day…

know what you need to close the sale and to get the title fully transfered out of your name

If you are in the us, which is where we are at the time of this writing, then you only need a few simple things to transfer the title of the car out of your name and into their name: 

  1. Your state transfer form – https://www.dmv.org/title-transfers.php
  2. The Mileage of your vehicle 
  3. Call your insurance and notify
  4. Online form submit to DMV

Once you get all the above read to go you can then legally sell the car. You will want to keep the license plates, you are not obligated to give them to the seller, and they will be find to drive to the dmv to request new plates. 

Again, this is only for the us, you will want to check with your countries driving authority if you live elsewhere.

My girlfriends buyers were ready with all the forms they needed. My buyer didn’t have everything printed already, so I just printed the forms, signed them, and then took off the plates so they could drive off into the sunset.

Wrapping it all up

These results are not typical but I’m confident that if you are not in a rush, do a little bit of research like you’re doing now, and present your car in an effective manner, that you will be able to sell your car and go live the travel lifestyle of your dream.

If you are interested in learning how my girlfriend turned her $9,300 cash sale into a solid 4 door sedan which cost her less than $4,000 and which she will probably sell for more than that, then check out 7 Things to Know Before You Buy Your Next Used Car.

I will update you guys when we sell it if we end up getting as much or more than what we paid for this quality used vehicle. 

Goal Setting: Why People Fail to Achieve Their Goals and What to Do About It

Goal setting isn’t easy, and most people go about it all wrong. Today I’m going to share with you why most people fail to achieve their goals and how you can be different.

Ok, Story Time…

First, I want to share with you a story of somebody that I talked the other day. Lets just call her girl to protect the innocent. Girl called into my work to find the right solution to do her work with. She needed a computer, because her current one was about 10 years old and no longer working the way she needed it to.

I took the approach of basically helping educate her and helping her understand the different components first. Because her background was in liberal arts and not technology, and she was only just starting out with graphic design, she didn’t really understand the technical side. 

I happen to have a technical background, thanks to engineering school, both in college and high school, so I really understand technical concepts well. 

Using this knowledge I helped relay them into simpler terms for her to understand how the computer core functions worked and related it to the layout of a city. With the highway, and the speed, being the number of cores of the computer, etc.

What ended up happening was, she ended up asking me about 20 minute into the call “what do you think?” and “what do you think would be the best thing?” “what do you think would be the best thing for this component?” and “what do you think I should do?” and then I started talking to her about financing the computer since she didn’t have all the cash for the computer on her debit card. 

I’m not a real big big fan of going into debt, especially not for fancy gadgets, and if you’ve read my site read any of my articles you understand why. A lot of times people go into debt for stupid things like material possessions, cars, jewelry, watches, you know I like my Apple watch but I don’t have any debt on it. I paid for cash for it.

If you’re gonna buy luxuries, that’s how I’d do it, pay cash for them. Because they’re going to depreciate and having depreciating “asset” (not really an asset) or having depreciating items which also carry debt, is just a really bad way of spending your money in my opinion. 

So anyway, I helped this girl figure out which computer would be right for her, and then we started talking about finance. She didn’t have all the money she needed to pay for the computer; fortunately, the company I work for has an agreement with financing institution which offers first time borrowers a no interest option for 24 months. 

It was a really decently long term, and because there is 0% for the 24 month period it’s much the same as if you save the money, but I also stress upfront, that if you don’t have the cash to buy something save the cash instead unless you really need it. If this purchase now is your sole form of income, i.e. you earn your living working on your laptop or you need a new car because you’re a professional driver, then you need to get it working. If fixing your existing equipment is not an option then, and only then, look at other options (including this no interest loan). 

Some other options include, financing equipment with no interest loan from a family member or a credit union with a very low interest rate. But you must work diligently to pay off that debt and in our conversation she asked me “how old are you if you don’t mind me asking?”. I told her 26, to which she replied “How do you know so much? You are very wise for your age”. 

That’s when I explained to her it was only three years ago I had $33,555 worth of student loan debt and credit card debt. In May of 2018 I will be 100% free of my student loan debt and it is very nice to be able to finally say that. I managed to pay it all off within the last 2 years 11 months and through hard work, working overtime, and selling anything and everything I could get my hands on. Hit it hard and hit it fast and just don’t give up.

To which she replied “Wow that’s awesome”. She also told me how much she had in student debt, over $50,000, and asked me if I was a coach. I honestly haven’t considered coaching, but if you guys felt like having someone there to push you and challenge your thinking and help change some of your habits like I did then I could consider it. 

I told her about this website and to check out the articles I’ve written like 10 lessons Learned From Paying Off $33,555 Of Student Loan and Other Debt In Less Than 3 Years Earning Just Above Minimum Wage, or 10 Reasons You Need to GET THE HELL Out Of Debt!

Commitment is Key

But really everything starts with commitment. Committing to do something before you know how you are going to do it. Just commit to doing. Commit to doing something to change your life.

If you have a goal of getting yourself healthy then fully commit, don’t try and figure it all out before you even start. Don’t try and understand ‘how you’re gonna do it’ before you take the first step, just start doing it. Start today. 

For your health, start with just a simple workout routine. Just go to the gym and walk if you have to, if that’s all you can do. Cause you know what? If you’re really overweight, if you’re obese, if you know you’re on the risk of having health issues, then that’s all you need right now.  If you’re starting to have tremors in your arm, or if you’re starting to get numbness in your leg, that’s a sign that you need to change something. 

You need to change how you are looking at your health holistically, that’s what you eat, how you exercise, how you move your body, know how much sleep you’re getting, and what you’re taking into your body. That’s while at work and at home. Are you eating a bunch of junk food? 

Seriously consider your whole health. But only start with one aspect of something you want to change, whether it’s your health, finances, or just your mindset. 

Maybe you’re just not happy with your job. I don’t know, but you do. But start with something. Start with a goal, and work backwards into smaller and smaller steps. You know, my goal was pay off all my debt by December 31st 2018. I will be paid off in May, right now it’s April 21st 2018, and then I’m going to be able to start investing, to grow my business, as well as really start to make an impact on others because I’ve been where you are, I’ve done it. And it’s changed my life, but it all started with just committing. 

When I first was starting out I began reading everything I could about finance, business, marketing, and sales. It helped me get to where I am today. But even though I’m not where I want to be, I’m better than where I was, and you know what? Three years ago I didn’t even have hope. I was trying to figure out what I want to do with my life, and I had just no idea that focusing on the small stuff each day, the little daily actions, was what would build into momentum and provide the results that I wanted. 

So just keep doing it, everyday, just commit to small daily activities. Focus on just moving forward a little bit each and every day, and pretty soon you’re gonna notice that a few weeks, a few months, and maybe even a year or two later that you’re at your goal. 

And. And this is a big and. You’re gonna start making some changes, along the way somewhere you’re going to find that you need to change your goals slightly, but people are gonna start noticing. You’re going to start getting pat’s on the back and folks saying “awesome job” and “keep going, you’re looking good” and that’s just a great feeling. 

It’s going to fuel your fire you’re and result in you making even more progress. But you have to start out with focus on the one thing, the most important thing, that if you keep doing it daily will lead to those results that you desire. 

So, what is the the number one reason most people fail to achieve their goals? 

It’s not for lack of trying. 

It’s not for fear of failure.

You know what It is by now right? 

.

.

.

.

.

It’s because they give up. They quit too early and the don’t push through the pain. If only they would reach out for help instead of giving up mentally then more folks would reach the pinnacle of greatness. But alas… so few people learn this lesson early in life, if at all. 

So if you’re not one of the nay sayers. If you are the type of person with the will to win, then you understand that not every day is going to be perfect. Not every day will be the fantasy life that social media will have us believe people are living. But you just have to get up anyway. You just have to get out there and do it. 

Keep doing it until you don’t have breath left in your body, because if you don’t someone else will. I hope this all resonates with you.

What thoughts have you been feeding lately? Fear and failure or your success? 

Thanks for reading and let me know your thoughts in the comments below.

 

If you found this interesting or valuable information please share it with your friends and family on your favorite social media.

10 Reasons You Need to GET THE HELL Out Of Debt!

You don’t need a new electronic gadget, you don’t need a new car, you don’t need new clothes to make you feel better. You need goals.

If you’re tired of living paycheck to paycheck and never feeling safe enough to quit your job you hate for the lifestyle you desire, then it’s time to commit to yourself to Get the Hell Out Of Debt!

In the next couple sentences I’m going to share with you 10 reasons why you absolutely must get out of debt, and stay out, in order to truly start living the life you desire and dream of.

But first…

You may be thinking, “its impossible, I have too much debt”, “It would be like climbing everest…”

It may sound scary, or even insurmountable, like climbing mount Everest does. But I can assure you, there are people who have had to climb hire, or from lower rather, than you do. And just as you got yourself into debt you can get out of it as well.

Just like climbing mount Everest it takes time and training to get there.

You can’t just decide one day that you’re climbing Mt. Everest, without training, and the right mindset, you will fail. And with that level of failure you don’t get second chances.

No, you must put in weeks, months even, of grueling work to prepare for the ordeal.

And most importantly, you need to commit to doing the work before you even start. There’s no hack that will get you out of this one, and there are no shortcuts.

For more ideas of how to get out of debt quicker or to learn how I paid off $30,000 in just 3 years earning just above minimum wage check out my other article here.

So onto the 10 Reasons You Need to GET THE HELL Out Of Debt!

Reason #1: You Are Paying Too Much for That Debt! 

Interest alone is making you poor, even if you are only paying 3-8% interest that will quickly eat into your returns on your investments. But in addition to interest, most people don’t stop to consider the missed opportunity cost of going into debt.

If you tie up $350 a month in a car payment, and you are paying 10% in interest each month then you are really losing the money  that you you could be gaining in interest IN
ADDITION 
to the money that you are having to pay for that car. So count it as a double tax for being an idiot and buying a car you don’t need…

Stop spending a bunch of money on a fancy cars and instead save up cash and buy an inexpensive car you can afford easily until you have money in excess of your expenses from assets.

And before you start putting money aside into an investment account, thinking that you will get rich by the interest that is in excess to your loan, get your high interest rate debt (credit card and personal loan debt) paid off first so you can truly really reap the rewards of compounding interest. And honestly, I would much rather make 10% on my investments after fees than 4% of a 12% return, after paying the fees and the bank back it’s 8% on the loan.

Reason #2: You Don’t Need That Extra Crap That You Were Going to Buy

You don’t need to buy that extra crap and waste your hard earned money. You don’t need a new electronic gadget, you don’t need a new car, you don’t need new clothes…

If you want to feel good about yourself go to the gym and lift some weights, or join a team sport, start an investing club, or go on a date.

But don’t waste your money on some fancy trinket that will end up getting you more into debt, break, wear down, or bore you after only a couple of months… Avoid the Debt trap at all costs and avoid fancy gadgets that are only going to depreciate (lose their value).

Reason #3: You Don’t Need Another Pair of Shoes… 

This goes for all the ladies. You. Don’t. Need. Them. Put them back, and don’t. Please don’t spend your man’s money for him. One of the number one causes of divorce is money arguments and being able to both provide for yourselves and come together on large purchases is huge.

You will end up resenting him for giving you money anyway, and buying you crap that you don’t need will only lessen your relation not strengthen it. So put them back and clean your shoes you already have, use them till they break, and then, fix them with some gorilla glue.

Reason #4: You Don’t Need a “Get Out of Debt Free Card”

Unless you plan on skipping out on this country or plan to live as a broke ass teacher for 10  years, then don’t count yourself out from having to pay back your debt. And you don’t really want someone to “forgive” your loans, because that is basically a hand out and the businesses that received hand outs always fail.
The folks that are given piles of money from the lottery always end up broke and on the street, just look at any lottery winner. No, instead figure out a way to get yourself out of debt and get FOCUSED on paying it off as quickly as possible. Stop complaining about how your life sucks so much and get to work speedy.

Oh, and if you think, “hmm that teacher thing sounds like a good idea” guess what? You still have to pay your minimum payment each month ALL 10 YEARS AND NEVER MISS A PAYMENT! There have been countless people that have paid back well over $100k in a short period of time and for you to think that it’s not possible to pay off your debt sounds a lot like you’re just giving up.

Reason #5: You Don’t Need To Go to College To Make a Good Living

You can find a job, learn a trade, find a local entrepreneur and apprentice under them, or start  your own business. Trust me when I say this, go to college IF you truly have an interest in the field of study AND you get funded to pay your entire way (100% funded, we’re talking college aid and not debt).

Don’t rely on debt and loans to get you there because it will cost you more in the long
run than your education is actually worth, and will set you back in your retirement goals.

Don’t believe the guise that you have to spend more to earn more, that’s simply a sales tactic to get you to sign up for their programs.

If you don’t believe me use this free calculator on moneychimp.com and see just how much that $5000 a year loan will cost you in your investing career. http://moneychimp.com/features/cheapskate_calculator.htm

Reason #6: Our Parents Were Wrong…

Getting a job and having pension in retirement is the way of the past. Pensions are gone (some of you may not even know what that is…) and aren’t the only way to live a good life…
Starting a business, investing young, and creating value are the best ways to fulfilling life. And in today’s day and age you can do almost all of them with free tools downloaded on your smart phone.

Read this article to learn more about how to start an ebay or amazon business for free. 

That’s right, you can actually earn an income from your phone of all things, you can connect with people on the other side of the world though a site that you can create for free and you can gain investors in your start up or build a tribe using social media.

You can even start a business with nothing like Seth Kneif did from justonedime.com. By asking people to help him double his dime 20x he was able to turn a $0.10 investment into $100,000+. This is the power of compounding interest! There is literally no limit to what you can accomplish if you just avoid going into debt and use your brain to think of ways to create value in the world.

Reason #7: There is More to Life Than Your Debt and You Need That Extra Money Each Month To Begin Enjoying It

Saving an extra $200 a month can pay for your entire  vacation that year, and over the course of 10 years can fund the purchase of a new car or if invested at 10% can result in
hundreds of thousands more $ in retirement, or could result in enough saved to buy a new house. The sooner you get out of debt the sooner you can reach your saving and investing goals.

To learn more about how much saving even $3.50 can mean for your retirement check out money chimp’s free resource: http://moneychimp.com/features/cheapskate_calculator.htm

Reason #8: Debt Causes Stress

You may not show it on the surface it can show up in other ways like in your mental and physical health. According to a 2015 survey conducted by Suntrust Bank, money was the leading cause of stress in relationships in America and results in fights and disagreements in more than 1 in 3 family homes (35%), read more here: article from CNBC.
If money was an issue in 2015 you can damn well bet that it’s an issue now. With the growing student loan crisis hitting an all time high we are setting ourselves up for a very unhealthy life america.

So do yourself a favor and reduce that stress by eliminating your debt so that you can live a happy and healthy life and be there for those you love.

Reason #9: You Can’t Get Rich Paying Other People Interest 

The only way for compounding interest to work in your favor, the force that Einstein claimed to be the most powerful force in the universe, is for you to be on the receiving end of compounding interest, not the giving end.

If you borrow money from others, you begin to use compounding interest against you
and much like pushing a snowball up a hill, you have to fight the forces of nature (compounding interest).

Instead, wouldn’t you rather be on the receiving end of a money snow ball, assuming that once  it was at the end of the hill and had built its momentum it didn’t kill you?
If you like giving people more and more money year after year then that’s great, keep
pushing that Sisyphean snowball up that mountain and enjoy your debt. But the only way to truly use the power of compounding is to loan out the money and have it return you interest and principle. Give the folks a little snowball and watch it come back to you as a snow mountain.

Reason #10: Aren’t you tired of wasting time on the weekends “partying”?

Having to wake up hung over on a Monday and drag yourself to the local Starbucks and order your double double espresso just to wake up isn’t realistic… Instead of working the whole week to enjoy the weekend why not get out of debt sooner by giving up that drinking vice, if nothing else change your drink of choice to something less expensive…

Most people will read this article and brush it off, probably writing off their bad behavior and debt cycle as “lifestyle design” or “their choice”. But I want to challenge that for a minute here. Is it really only your life that you are effecting? Are you really the only person that you touch daily?

Or are you a mother, a father, a brother or a lover? Are you in touch with friends daily and have a legacy that you wish to leave behind some day? Don’t you want to do something more with your life beyond just “enjoying” yourself?

You owe it to everyone in your life who are important to you to get out of debt as quickly as possible and to build wealth so that you can later give it to those deserving.

In this site I’m going to show you the quick way to pay off your debt, create additional income streams, and finally be able to take that dream vacation you’ve always wanted, to quit your job and travel the world, and to finally get that pesky debt monkey off your back. GET OFF ME MONKEY!