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Once everything started rolling I didn't have to worry and having only one payment was great.
- Betty Morris

Did you know?

91% of undergraduates have at least one credit card

Establish and Maintain a Savings Program

There are two valuable tools to help you build and increase your capital – both are within your grasp and well worth using. One is a successful savings plan, the other an effective investment program.

Saving is NOT Complicated!

Saving takes focus, consistency, patience and selfdiscipline. In a world of convenience and instant gratification, it’s easy to get used to giving in to what’s fastest or easiest…however, that only leads to frustration and disappointment in yourself and your future.

Today, the typical family puts in longer workweeks, has less free time, and chases prosperity on a treadmill going nowhere. Families often exercise too little choice or planning in spending their money. They find themselves in financial bondage because they lack the essential skills of self-discipline and planning necessary.

Time’s Your Asset Procrastination is the number one reason why people do not start a savings program. The problem is compounded since procrastination robs you of time, which is a critical asset of your successful savings plan. The culture of today says it’s not popular to Here are some investment categories to consider as you identify, define, and plan out your investment goals. Be sure to make a short term and long-term goals and strategies.

Personal Assets: Home(s), furnishings, automobiles, apparel, jewelry.

Insurance: Life, health, disability, casualty, disaster, business, self-insurance.

Real Estate: Raw land, farmland, rental property, commercial real estate.

Someone Else’s Business: Stocks, mutual funds. Bonds, Notes, Loans, Annuities, Stocks, Mutual Funds.

Gold, Diamonds, Art Objects, Collectibles.

sacrifice the ‘bling, bling’ of today for financial security tomorrow. And you’ve learned the need to belong is a primary social need. But to live right – you must do right by yourself – you must act responsibly.

Invest Today for Tomorrow

Along with savings, investing is the other valuable tool to help you increase your capital worth. You may find it intimidating, but it’s not as hard as you may think.

Questions you should ask yourself when investing:

  • How Will the Investment Improve Your Life?
  • How Safe is the Investment or Strategy?
  • How is your Return on the Investment?

Financial Freedom’s Recipe for Successful Investments

  • Make only modest investments in personal assets.
  • Develop a solid insurance program.
  • Pick one or two areas of investment for a major return and stay within those areas during your investment lifetime.
  • Make all investments for the long term.
  • Diversify your investments for the long term.
  • Study and work with others. Develop a sense of intuition about your chosen areas. Try to understand all the factors affecting your investments


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