Are you keeping an eye on your money and tracking what you spend and where? Somebody needs to and if you aren’t doing it, who is going to? Does anyone else have a bigger stake in wiping out your debt and building the retirement you want and deserve than you do?

Here is a list of things you should be doing. There are many more than this, but here are some you need to be doing now.

• Go through your last bank statement and write down what each charge was for. This can be a really eye opening experience. Grab a cup of coffee or something to drink and go line by line. This exercise could save you money next month just by knowing what to watch for and where you seem to waste money without thinking about it.
• Group items together by making a note at the end of the item. Put food, utuilites, meals, clothes, etc. The total up these different categories and see if any of the totals surprise you.
• Now that you may or may not be surprised at where your money has been going, ask yourself if there is something you see that you could obviously cut back on.
• Take a look at the bank statement and see how much you paid toward debt, like credit card bills. How does that feel?
• Now take another look and see how much money you put toward your savings. Anything there?
• Take another look and see if you put anything towards an emergency fund. Or is your emergency fund a credit card? We can’t do that. So if you don’t have an emergency fund that would cover your needs for at least a month you should start putting money into one and then go back to adding to your savings every month.
• Do you have any major purchases or costs coming up in the next 2 years? Are you putting any money away for them?
• Ask yourself now if you are paying the minimum payments on your credit cards which the credit card company will happily let you do for the next 30 or so years.

Now this is an excellent exercise to learn a few things about your spending habits and you may very well find a few places here where you can cut back and not spend so much money on.

This is by no means a comprehensive list of what you should be doing and how to track your money. But its a good start to take a look at where your money is going and how much of it is going out vs what you have coming in.

Once you’ve done this you need to get a snapshot of how much it will cost to pay off all of your debt and how long that will take. You really need to know this if you want to make sure you are making wise decisions on your spending and your savings. Almost no one you know has a realistic number on how much they owe or when it will be paid off. To get it you have to figure in the interest on all of your debts along with the extra payments it will take to pay it off.

So here’s a secret you can take advantage of. No More Mortgage will create an analysis of your debts for you that shows this and more and you can get it for free. As in no cost, and no obligation. Just free. All you have to do is ask. And you can order a free CD up on the left side of the page that will give you some great information on eliminating your debt.

You need to know how much debt you really have. Your statements don’t tell you, they just show the principle balance. So get your numbers for free and see where you really stand.

Watch this video of a No More Mortgage team member below and then call them at 800.285.9102 and ask for a free debt analysis so you can make wise, informed decisions that will affect your future.

P.S. – Watch our short 2 minute NO MORE Mortgage video to learn more about our program.

Related posts:

1. No More Mortgage Plan vs. Debt Settlement
2. No More Mortgage gives you a plan for your debt. What’s your plan today?
3. Are your emotions affecting your spending and building your debt?

Let’s talk about a few problem areas and then we’ll look at how you can get a snapshot of how much you really owe so you can make some better, informed decisions in regards to your finances. No More Mortgage offers a free snapshot you can use to make those better decisions.

A common area many people have trouble with is overspending. It can be triggered by advertising where you see something you want, influences from your friends, impulse buying, or stress induced “comfort buying”, among other things. In these cases, you are generally not thinking about where you are financially or when you’ll be able to pay it off. Consider that you may feel pressured to spend more, buy this or that, look a certain way. dress a certain way, or have certain things to fit in or feel like you are living the life you are supposed to. There are many triggers for spending, but they almost all lead back to “emotional” spending.

The next time you are buying something that you don’t absolutely need, ask yourself why you’re buying it, and what led you to want to buy it. Do this every time you are buying something and look at what patterns show up and where the motivation to spend at that moment is coming from.

Often, buying something you just happen to want doesn’t feel like it’s going to be a problem. You think “I’ll buy it now and pay for it later”. The problem with that is you will often pay it off much later, having spent many times the original price in interest over time in the form of credit card payments. When that happens, you’re future is paying for it. The money you spend on your debt in one month could be worth thousands to you later in retirement after it has had time to build up.

We’re living in a fast paced, complex world where it’s hard to keep track of your money unless you spend some focused time on it. You have money spent on credit cards, atm cards, department store cards, automatic debits, utility or other bills on automatic payment, written checks, cash withdrawals, dinner receipts, and other expenditures to keep track of. It’s not easy.

You’ve got credit cards in the land of easy credit and get offers for more every month. They entice you to use them with promises of extra miles, points, and rewards.

What your creditors don’t point out is that you will often pay back 2 to 3 times what you borrowed (especially on your mortgage) and compounded interest is their friend and your enemy in this case. Also, your creditors give you a payment schedule designed to make them more money and stretch out your debt.

You didn’t learn about this in school or at home, so you need to get on top of your debt and reclaim your future now before it’s too late. One thing you need to understand is that when it comes to your retirement and building up enough to take care of you, there is such a thing as starting too late.

You may not have a plan yet because you don’t know where to start. The place to start is figure out how much you are really going to pay out and how long it is going to take to pay off your debt. You can’t just look at your statements and add up the balances. You have to take into account the interest and amount of payments it will take.

To make this easier for you, No More Mortgage offers a free analysis that will show you these numbers. There is no cost to you and no obligation. Do this for yourself. It’s vital that you know where you really stand.

Give us a call at 800.285.9102 and let us help you get started.

Related posts:

1. No More Mortgage Plan vs. Debt Settlement
2. Do you really know how much you owe on your debt
3. Are your emotions affecting your spending and building your debt?

Well, yes it is and no it isn’t.  Yes, at one moment in time a statement can show what you owe if you were to pay it off completely. And no it isn’t when you factor in interest payments over time.

That interest over time is what steals your future like the thief that it is. Your debt can rob you of hundreds of thousands of dollars you should have at retirement. Debt sneaks up on you and stretches the pain out slowly so you don’t notice how much it is costing you. Did you know that half way into a 30 year mortgage you can still owe 75% of the principle? We’ve seen credit cards that would stretch out to 40+ years or even more at the minimum payment.

Think about this for a minute. You pay your creditors back based on a schedule that they create, and they earn their living off of the interest that they charge you, along with extra fees and charges So do you think they create their payment schedules with your best interest in mind? Is your money going towards building your future, or theirs?

What they know is that most people think about the balance on their statements and figure that’s about what they’ll pay back. What they don’t want you to know is that by utilizing a program like ours at No More Mortgage, you could pay them back significantly less and save yourself a great deal of money. Our program creates a new payment schedule that meets your obligations with your creditors and pays them back up to 75% faster allowing you to keep far more of your money and get out of debt that much faster.

The creditors also know that most people won’t follow through with this on their own as they either don’t have the financial discipline or the time to work their plan, month in and month out, for the time it will take to get out of debt. That’s why our program does the work for you. We work to ensure that you are successful at eliminating your debt safely and wisely. Our program can often improve your credit faster than would normally happen too.

So, do you really know how much you owe on your debt, and how long it will take to pay it off based on how you’re paying your debts today? We can easily show you that and also compare that to how much you could save and when you could become debt free if you take advantage of our program. We offer a free debt analysis with no obligation that will show you all of this.

To make good decisions, you need good information. Knowing how much you really owe and how long it will take to pay it off has an impact that you will not soon forget. And it can influence your financial decisions for the better. Call No More Mortgage and ask for a free debt analysis. It doesn’t take long once you give us the info we need to run your analysis. And we don’t need any information that would put your identity at risk. You can ask for our free audio cd using the form on the left side of the page too. It has some great information on it that could save you a lot of money.

Give us a call and let us help you get on track to a debt free future with less stress and more financial security.We’re at (888) 239-3765

Related posts:

1. Frequently Asked Questions about us
2. Homeowner’s Debt Elimination Program (Overview)
3. Homeowners Clear All Debt Within 9 Years With Unique Debt Elimination Plan

NO MORE Mortgage would like to offer tools and websites  it feels that its customers can benefit greatly from.

This weeks NO MORE Mortgage highlight is www.billshrink.com

Why Bill Shrink?

It’s as simple as asking yourself, why overspend? Given the vast number of complex offers and plans, such as those from the major mobile carriers and credit card issuers, chances are pretty good you’re paying more than you need to.

We make it simple to compare what you’ve got to what they’re offering. And if you’re like most people, that means significant savings. Isn’t that just how things on the Web should be? Incredibly useful, simple and free.

For more information visit www.billshrink.com
NO MORE Mortgage

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