There's a guy I know who is always banging his head against the same wall... ouch!

He just doesn't get it. Each month he reads a new financial book or attends a new "get out of debt" seminar, but his results are always the same -- zilch.

This has been going on for years and his debt continues to grow, along with personal and family frustrations.

Do you know someone like that? Are you like that?

The way he's going now, a month of one-on-one with Dave Ramsey wouldn't help.

I used to be on a similar path. But then everything started to change -- for the better.

I started to do exactly the opposite of my friend and my debt started to go down and my peace started to go up.

Here's what I did and here's the advice I'd give you. There's a way to get out of debt and grow financial peace exponentially.

And this way always works.

When you apply this advice, your relationship with God and those closest to you will get better, your earnings will grow, your debts will diminish, and your lifestyle will improve.

Your life will quickly transform when YOU start to apply this principle.

Here it is.

WHEN YOU BUILD YOURSELF CONSISTENTLY, MONEY FREEDOM WILL GROW EXPONENTIALLY.

Remember this: every level of income DEMANDS a different you. Every step along the path to Debt Fr.ee Living God's Way REQUIRES a different you. You can't get to where you want to be by staying where you are.

It's really simple. The fastest way to get out of debt and begin to enjoy Debt Free Living God's Way is to learn and APPLY faster. Ask yourself this: What is one financial habit I can start improving RIGHT NOW?

Start small. Take one step at a time.

Write this "one way" on a note and put it on your refrigerator.. What will you write? What is the one small step you can take today?

Honestly, you don't need anyone to give you any suggestions. You already know what it is. You just haven't decided to do it. Maybe you've tried. But you've never done it.

By the way, I hate it when someone says they're going to "try" to change a financial habit. Why? Let me show you.

Look at the desk in front of you. Fix your eyes on something you are able to pick up.

Ready? Now "try" to pick it up.

What did you do? Did you pick it up or did you NOT pick it up? You picked it up, right?

It's the same with financial habits. Don't "try" to do it, just start doing it. "Trying" to change a habit will most likely mean that habit won't change.

You have to decide. "I'm finally ready to ACT on what I know I should do. It's time! I've had enough of this debt stuff. I've had it with being out of God's will in this area. I'm tired of feeling guilty before God and those I love. I'm no longer going to try. I'm just going to do it. God please help me because I'm just going to DO IT."

Build yourself consistently by increasing your knowledge and understanding of what God has to say about finances. Then START to apply. Don't TRY. Just DO IT.

Take action NOW on one financial principle or one practical application and stay with it until it becomes a habit (about three weeks) then move on from there.

You can and will begin to get out of debt. You can and will learn to experience Debt Free Living God's Way.

------

Bob Louder is considered a leading biblical finance expert, and has been working in the area of biblical finance for 20 years. He's been endorsed by some of the most high profile and successful Christian authors and teachers like Larry Burkett, Ron Blue, Dave Ramsey and others.

Bob is the creator the "4 Weeks Money Mentoring Program", a unique online training for transforming money management and wealth building efforts into a highly effective financial strategy - in 4 weeks flat. Its power comes from focusing on biblical principles combined practical application, delivered in a format and pace that makes it easy to get results.

Everybody wants to save money, but the way you do it versus the way someone else does it may be very different. There are lots of ways to go about saving a little extra money every month and we are here to give you a few ideas.

Try to figure out what you purchase every month that you do not need and scrap it. Get a 20 ounce soda every day after work? Get out your calculator and multiply the number of days a week you work by how much that soda costs you every time you buy it and see how much money you are throwing away. Do you smoke? With packs of cigarettes averaging over $4 per pack, you probably spend over $1,000 to $1,800 per year just on this habit alone! That is enough for a decent vacation or in a lot of cases, a full house payment! Ditch smoking as soon as possible if you are money-minded.

Take a look at your subscriptions and ask yourself if you really need them. I have a World of Warcraft subscription that is billed to my credit card every month, yet I have not actually played it in a month and a half. Cancel any recurring subscriptions that you have that you are not making use of or, if possible, simply purchase the item whenever you do find that you need it.

Something else that is good to practice is paying yourself. As soon as you get your paycheck, take some of it and put it into your savings account. Pay yourself before you do anything and trust me, you will manage to get by. After all, how much does $20 to $50 really help or hinder anything?

Depending on what you want to save your money for, set a savings goal. If it is a small purchase, all you really have to do is find out how much the item costs and by when you want to be able to purchase it. If it is a larger purchase, such as a car or a house, determine how much you want to spend, how much of a down payment you want to have, and by when you want to be able to make this purchase. Be sure that you can attain the goal that you are setting for yourself within the amount of time that you set, because if it is unattainable, you will only become discouraged in the end.

And last, but certainly not least, the best way to save money in the long run is to simply live below your means. This means that you should not extend yourself financially even close to what you are capable of. Make sure that by the time you add up your housing, food, transportation, tax, and health care expenses that you will have more than enough left over to put in the bank. Remember that rich people did not get that way by overextending themselves financially. They were cheap and always hunted for a bargain and so should you.

An online finance degree is a wonderful option for individuals who want to go to college, but for whatever reason prefer an online forum as opposed to a traditional classroom. Frequently, those who opt for an online finance degree have busy schedules already because of family and work commitments, and juggling a typical class schedule is nearly impossible. Also, individuals who have disabilities often times opt for an online finance degree simply because it is easier to work straight from home. No matter why you want an online finance degree, there are many options out there for you to choose from.

The online finance degree is a very popular major, and because of this almost all of the online universities offer the online finance degree. In addition to this, the online finance degree is not only available in bachelors, but also in masters and in some cases PhD. So, no matter if you want just a bachelor’s online finance degree or want to get an online finance degree at ever level, the choice is totally yours.

Paying for your online finance degree is not as difficult as it ahs been in the past, either, because now you can get student loans and choose different payment plans for your online finance degree. Paying for your online finance degree has never been easier.

In addition to this, you will need to decide exactly what you are looking for in the university where you will obtain your online finance degree. The reason for this is because there are so many online university options that range in popularity, accreditation and cost, that you will need to find out which ones offer the best online finance degree for your budget.

Be sure, however, before you begin studying for your online finance degree that you know your university is accredited and has many successful graduates with their online finance degree.

Like a hurricane, the irritating debts might have devastated your finances completely. And now, you are seeking for a finance that will help you to rebuild your damaged financial position. For every debt related issues, finance debt consolidation is the flawless option if you consider. Finance debt consolidation, supervise all your debts that have assimilated from different creditors and, helps to consolidate them in the easiest way possible.

The aims and objectives of finance debt consolidation is to minimizes the debts of the debtors and help them to lead a debt free life. It helps the debtors to accountable to a single lender, instead of repaying to numerous. The standards of finance debt consolidation, help the debtors to supervise and, curb their debts before it create more damage to their financial position.

Furthermore, finance debt consolidation offer services to debtors by leading to lending institutions that provide cheap rate of interest. The rate of interest proffered is lower and affordable to the one that you might be paying currently to different creditors. The drastic changes in the rate of interest directly lessen your repaying burden.

Finance debt consolidation intends to extend its service by classifying it in to two forms: secured and unsecured. Such, classifications facilitate the debtors to borrow the services in the way which they feel convenient. Finance debt consolidation intends to serve even the debtors who might be suffering from CCJs, defaults, arrears and late payments.

Finance debt consolidation carries its function under numerous brands like debt management services, personal debt management, debt consolidation loans and debt management advice for the suitability of the debtors. The services and solutions of finance debt consolidation does not limits to settlement of debts, but march ahead with its policies to support the debtors to restore their tattered financial status, and to execute their ends.

An online finance degree is a wonderful option for individuals who want to go to college, but for whatever reason prefer an online forum as opposed to a traditional classroom. Frequently, those who opt for an online finance degree have busy schedules already because of family and work commitments, and juggling a typical class schedule is nearly impossible. Also, individuals who have disabilities often times opt for an online finance degree simply because it is easier to work straight from home. No matter why you want an online finance degree, there are many options out there for you to choose from.

The online finance degree is a very popular major, and because of this almost all of the online universities offer the online finance degree. In addition to this, the online finance degree is not only available in bachelors, but also in masters and in some cases PhD. So, no matter if you want just a bachelor’s online finance degree or want to get an online finance degree at ever level, the choice is totally yours.

Paying for your online finance degree is not as difficult as it ahs been in the past, either, because now you can get student loans and choose different payment plans for your online finance degree. Paying for your online finance degree has never been easier.

In addition to this, you will need to decide exactly what you are looking for in the university where you will obtain your online finance degree. The reason for this is because there are so many online university options that range in popularity, accreditation and cost, that you will need to find out which ones offer the best online finance degree for your budget.

Be sure, however, before you begin studying for your online finance degree that you know your university is accredited and has many successful graduates with their online finance degree.

Like a hurricane, the irritating debts might have devastated your finances completely. And now, you are seeking for a finance that will help you to rebuild your damaged financial position. For every debt related issues, finance debt consolidation is the flawless option if you consider. Finance debt consolidation, supervise all your debts that have assimilated from different creditors and, helps to consolidate them in the easiest way possible.

The aims and objectives of finance debt consolidation is to minimizes the debts of the debtors and help them to lead a debt free life. It helps the debtors to accountable to a single lender, instead of repaying to numerous. The standards of finance debt consolidation, help the debtors to supervise and, curb their debts before it create more damage to their financial position.

Furthermore, finance debt consolidation offer services to debtors by leading to lending institutions that provide cheap rate of interest. The rate of interest proffered is lower and affordable to the one that you might be paying currently to different creditors. The drastic changes in the rate of interest directly lessen your repaying burden.

Finance debt consolidation intends to extend its service by classifying it in to two forms: secured and unsecured. Such, classifications facilitate the debtors to borrow the services in the way which they feel convenient. Finance debt consolidation intends to serve even the debtors who might be suffering from CCJs, defaults, arrears and late payments.

Finance debt consolidation carries its function under numerous brands like debt management services, personal debt management, debt consolidation loans and debt management advice for the suitability of the debtors. The services and solutions of finance debt consolidation does not limits to settlement of debts, but march ahead with its policies to support the debtors to restore their tattered financial status, and to execute their ends.

According to figures released by Chiltern, the typical annual income of a Briton looking for help in managing their debts, which may have been accrued through personal loans and plastic cards, has increased by about 3,000 pounds since last August. During this time, the average person seeking assistance with money management earned 20,540 pounds, this has now risen to 23,432 pounds. Meanwhile, the level of money owed has fallen to 26,344 pounds from 26,662 pounds.

However, the company claimed that consumers are still experiencing money management difficulties, as the proportion of men looking for help from professionals with handling their debts has gone up by one percentage point to 43 per cent. In addition, the typical age of a debtor has increased to 44 years. And, despite an increase in salary since the August study, those on a debt management plan will still take them more than 12 years to be free from debt. In addition, such consumers have a monthly disposable income of 228 pounds and owe money to an average of eight creditors. It was also suggested that impact of the credit crunch has reduced the availability of cheap loans and other forms of competitively-priced borrowing, particularly for those who have a "tarnished" financial profile.

Joanne Gill, spokesperson for Chiltern, said: "Our figures show that over the last six months the average yearly income of our clients has risen by over 14 per cent while the average debt has fallen by 1.2 per cent. This suggests people who earn more and owe less are being forced into seeking help to manage their finances because of a number of conspiring factors."

Citing figures from MoneyExpert, Ms Gill added: "Nearly half a million people have missed a mortgage payment within the last six months and with the reduced level of available credit for people with imperfect histories, household finances are taking a battering." She went on to claim that those consumers who are struggling making repayments towards a number of debts need to "be open to different ways of managing their budget".

The firm highlighted that household bills and other types of "priority payments" have increased "significantly" over the past 12 months. Meanwhile, gas and electricity bills have risen by 16.2 per cent, costing an average of 1,055 pounds 76 pence per annum, up from 908 pounds 49 pence recorded this time last year. Research from Chiltern also indicated that the cost of food shopping has surged by 12 per cent, while later this year council tax is to increase by four per cent to 1,373 pounds for the average band D property.

Following from increases in various living costs, it is also possible that people could find pressure on other demands on their finances increasing. Such consumers may develop more problems in paying off loans and plastic cards, as well as finding that they have less money to put into savings accounts and pensions schemes.

Britons worried about making repayments to various creditors and managing rising living costs might wish to consider getting a UK consolidation loan. In doing so, consumers can merge a number of debts into a single low-cost monthly repayment. This may be helpful for a significant number of consumers as a recent Combined Insurance study revealed that two-thirds of people witnessed an increase in the cost of their utility bills during 2006. Meanwhile, the cost of running a car and mortgage repayments have gone up by 12 and ten per cent respectively.

In today's Jet Age, everything is available instantly; and so is a no fax payday loan! Who has the time today to wait for months after applying for a loan? And frankly speaking, there are times when you need the money immediately - you just can't afford to wait for months! Like, say for example, the only car you possess and use for commuting to your workplace breaks down; you need to get it repaired immediately right! But it can be difficult to arrange a large sum of money in the middle of the month. Even friends might not be able to help you out with an amount as large as $1000-$1500!

Your Emergency Fund

It is always advisable to set aside a few hundred bucks from your salary every month for emergency needs in future, but, if you haven't yet done that, you can borrow $300 to $1500, as an instant loan, against your next paycheck. The money will be recovered from you when you get your next salary, along with an interest of 15%-30% per two weeks. As such, you can say that a payday loan is a short-term loan.

It is actually good that this kind of cash advance is only given out for a short period of time, for two to four weeks generally, because the interest rates add up to a total of something like 390% on an annual basis! That's almost 4 times the amount of money you borrow! And you obviously don't want to pay that kind of money just as interest, right! An instant no faxing payday loan should be used only in emergency situations, where you can't get the money from anywhere else. And you must make it a point to clear off the money owed on time. Otherwise, it is very easy to fall into a vicious debt cycle!

How To Get A Cheap Payday Cash Advance?

1. Compare the rates and terms of various online lenders in the industry, checking for interest rates, processing fees, late payment charges and any other hidden costs. Also read user reviews about the companies.

2. Apply online for a payday loan, from the company you select, giving your personal and employment details.

3. Your instant approval no fax payday loan is processed within an hour and the money is deposited into your bank account within one day.

Repayment of it is done the day you get your next salary, either by a post-dated check or through direct withdrawal facilities.

In these days of identity theft, checking out your credit report is a good idea in order to make sure that everything on it is correct. However, once you have your copy in hand, you may be a bit puzzled as to how to decipher all those strange-looking abbreviations and numbers listed on the paper. Take heart - very few people understand how to read a credit report, especially if they are examining one for the very first time. All you need is a simple explanation of the wordage contained to intelligently zip through this information.

What's In My Credit Report?

You first need to be aware of how a credit report is laid out. These reports normally are divided into four segments of information. These are:

* Personal Information that identifies you, like your name and Social Security number, the date you were born, present and past addresses, phone number(s), who you work for, and the same information about your spouse.

* Public Information lists the data that has to do with your financial history which is available via public record. If you have filed for bankruptcy, had a tax lien, or any sort of monetary judgment against you, it will be listed in this section.

* Credit History Information is a listing of all the different accounts you have, such as with utility companies, retailers, banks, credit card companies, and other lenders.

* The Inquiries section is a list of anyone who may have asked to view your credit report. Inquiries are usually divided into two separate sections, hard and soft.

Most of this information is simple to understand. It's when you start to read the Credit History information that you may wind up with a headache! You'll see the following entries for each account that you may have:

* The date that you opened the account

* What type of credit (department store, car loan, student loan)

* Whose name the account is in

* Loan amount or credit limit

* The total amount you owe on the account

* The minimum monthly payment or fixed payment amount

* Whether the account is open, closed, inactive, or paid

* Your payment history - late, always on time, etc

Now comes the part that makes most people feel like screaming - all those codes! But, you'll never have to wonder what they mean again.

J - Joint

I - Individual

U - Undesignated

A - Authorized User

T - Terminated

M - Maker

C - Co-signor

B - On behalf of someone else

S - Shared

O - Open - the entire balance is due monthly

R - Revolving - Each month's payment amount can be different

I - Installment - The same amount is due each month

0- Approved account, but not yet used

1 - Paid as per agreement

2 - 30 days or more past due

3 - 60 days or more past due

4 - 90 days or more past due

5 - 120 days past due or sent for collection

7 - Making payments as per a special arrangement

8 - Repossession

9 - Charged off

Once you know how to read a credit report, it is simple to check it for mistakes in order to keep your credit standing in good shape.

Earning money fast and easy may happen sometime but not often.

Having the right tools to use when you need it can make a difference in you having it easily.

What you want

Knowing what you want is a good step for having goals in life.

Putting down on paper what you want helps redefine what you want in a more concrete way.

What beliefs do you subscribe to?

Beliefs play an important role in you having what you want, become aware of what beliefs that you carry with you.

When comes to getting money fast and easy you can see if your beliefs makes a difference in you having it now or later.

Perception of time

For some, many things take time especially when you keep looking at it each moment to see a change, and when you change your focus on something else and come back you notice the thing that you had let go of had change.

The more you notice it is moving fast you help to create this reality.

Leopard stripes

It is said that a leopard cannot hide its stripes; you cannot hide who you are.

In your nature if you believe in difficulty you will attract difficulty, if you believe in ease you will attract and act as if you have ease.

Becoming aware

Becoming aware of the type of individual you are and how you attract business or money in your life is where to start to pay attention.

The way you conduct yourself speaks volumes because with every action you are either moving toward pain or pleasure or avoiding.

Taking action

Once you learn about you, such as do you allow thing to come easy or do you have a tendency to work hard and struggle to get what you want.

You now have a choice to continue up the creek fighting against the current or using the current to bring you to what you want.

Preparation 90 %

Earning money fast and easy starts with a preparation of mind, emotion, and the ability to follow through.

Doing thing that you have never done before is what makes you break the pattern and be a leader in what you want to do and have.

As you prepare yourself to having money fast and easy it may ask of you to change the way you think and look at a problem.

Relying on you

As you align yourself mentally, emotionally and physically to earn money fast and easy you put this vibration out in the universe and with constant focus and believing you attract this to you.

Conclusion: Earn money fast and easy starts with the mind set of believing in you having it and taking the right actions to get it now.