Today, millions of Americans suffer under the crushing weight of debt.  According to the Federal Reserve, consumer debt — which includes credit cards, auto loans, student loans and personal loans — is expected to hit $4 trillion this year.

 

The average American household carries $137,063 in debt. Yet the U.S. Census Bureau reports that the median household income was just $59,039 last year, which means that that many Americans are living beyond their means.

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More than 2 out of 3 U.S. adults (68 percent) don’t know when, or if, they will ever be debt-free, according to a new CreditCards.com survey.  The result is increased rates of anxiety and depression as well as bankruptcy and despair.

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My work with hundreds of clients has enabled me to develop a proprietary methodology that will help you get out of debt and achieve financial independence.  

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The first step is addressing the psychological challenges of changing our behaviors.  Even though we all dream of living debt-free, when it comes time to take the first step towards achieving that goal, most people take a step back because the embarrassment of debt kills our confidence and makes us blame ourselves.

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The next step is to create a budget -- and stick to it.  This may sound simple but for most of us it is extremely difficult.   A budget is not simply a spreadsheet you need to balance.  Your budget requires insight into the best ways to attack your debt as well as how to have enough money to do so.

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Are you ready to cast off the burden of debt?  Contact me today and let's start down the road to financial freedom.