Tips on how to pay off your debt, increase your credit score and how to keep yourself from going back.

Lets start with the basics

Hi, my name is Larry. If you are reading this, you have debt in your life and are looking how you could become debt free. I have created a proven system that I have used myself to become debt free, and stay that way. What I've done is so simple, anyone can do it, yet no one is teaching people how to become debt free using a system like mine. I'll give you all the tools you need, all you need is a source of income. Below I'll give you the starting steps to take on your path to becoming debt free!

Step 1: Figuring out your Debt-to-Income ratio

Most people don't know how much they are in debt, and people who lend money, don't always care, they just want your money. Lets put it this way, my mortgage payments were 82% of one paycheck. What did they consider when giving me the loan, how much money I was paying on already existing debt. They didn't care how I put food on the table, or the other important things like utilities, gas to get to and from work. I remember a time when I had to borrow money just to put gas in my car to go to work. So the first thing you need to do is just take a look at how much money you spend on debt related items using my Debt-to-Income calculator Tools.