nd cut them up. This is one of the things that people wanting to become debt free struggle with, but it is simple if you keep hold of the cards then you will more than likely keep using them and therefore not become debt free.

Frank then took to looking at what he was buying, this is a really important thing to do, wh

A friend of mine mentioned to me a few months back that he was completely determined to become debt free and he was going to do it with spending as little as possible on items he felt that were completely unnecessary. Well a few months later this average joe with an average job is well on his way to become debt free by changing the way he does a few simple things.

Firstly let me tell you that his debt is above the average US debt of $8,100 at around $9,700 but 5 months in that debt is down by $2,000. That means that his debt is below that of the national average because of the changes he has made below.

Determined not to use his home as security on paying the debts off my friend, who we will call Frank for this article, began his task to become debt free by firstly calling his credit card companies and telling them that he has been offered a better rate elsewhere with a free balance transfer. He finished the call with a reduced rate of interest for 5 months, the interest rate he got was 1.5% per annum!! That is a huge saving of around 27% a year on what he owes. By playing one card off against another he got an amazing deal.

The next step to become debt free for Frank was to remove temptation of the credit cards being in his pocket so he took a pair of scissors and cut them up. This is one of the things that people wanting to become debt free struggle with, but it is simple if you keep hold of the cards then you will more than likely keep using them and therefore not become debt free.

Frank then took to looking at what he was buying, this is a really important thing to do, whe

ging the way he does a few simple things.

Firstly let me tell you that his debt is above the average US debt of $8,100 at around $9,700 but 5 months in that debt is down by $2,000. That means that his debt is below that of the national average because of the changes he has made below.

Determined not to use his home as security on paying the debts off my friend, who we will call Frank for this article, began his task to become debt free by firstly calling his credit card companies and telling them that he has been offered a better rate elsewhere with a free balance transfer. He finished the call with a reduced rate of interest for 5 months, the interest rate he got was 1.5% per annum!! That is a huge saving of around 27% a year on what he owes. By playing one card off against another he got an amazing deal.

The next step to become debt free for Frank was to remove temptation of the credit cards being in his pocket so he took a pair of scissors and cut them up. This is one of the things that people wanting to become debt free struggle with, but it is simple if you keep hold of the cards then you will more than likely keep using them and therefore not become debt free.

Frank then took to looking at what he was buying, this is a really important thing to do, wh

ome as security on paying the debts off my friend, who we will call Frank for this article, began his task to become debt free by firstly calling his credit card companies and telling them that he has been offered a better rate elsewhere with a free balance transfer. He finished the call with a reduced rate of interest for 5 months, the interest rate he got was 1.5% per annum!! That is a huge saving of around 27% a year on what he owes. By playing one card off against another he got an amazing deal.

The next step to become debt free for Frank was to remove temptation of the credit cards being in his pocket so he took a pair of scissors and cut them up. This is one of the things that people wanting to become debt free struggle with, but it is simple if you keep hold of the cards then you will more than likely keep using them and therefore not become debt free.

Frank then took to looking at what he was buying, this is a really important thing to do, wh

months, the interest rate he got was 1.5% per annum!! That is a huge saving of around 27% a year on what he owes. By playing one card off against another he got an amazing deal.

The next step to become debt free for Frank was to remove temptation of the credit cards being in his pocket so he took a pair of scissors and cut them up. This is one of the things that people wanting to become debt free struggle with, but it is simple if you keep hold of the cards then you will more than likely keep using them and therefore not become debt free.

Frank then took to looking at what he was buying, this is a really important thing to do, wh

nd cut them up. This is one of the things that people wanting to become debt free struggle with, but it is simple if you keep hold of the cards then you will more than likely keep using them and therefore not become debt free.

Frank then took to looking at what he was buying, this is a really important thing to do, where you buy things, how much you pay for them and if you really need to buy them are all questions that you should look at. For example the milk that you buy is it more expensive than the milk that is available at the supermarket and if it is do you notice a taste difference? I bet it comes from the same cows, only difference you save money. Do you need to drive to work? Have you got a neighbor going to the same place? Ask for a car share you drive one week they drive the next, you have just halved your petrol and parking, the added bonus is so has your neighbor!

Frank looked at everything that he purchased over the previous six months as well as the weekly shopping purchases he was making. When I last saw Frank a week ago he mentioned that in the 5 months since starting this he had spent only $25 on what he called luxury goods, when asked what they were he said he purchased a drink for his wife and himself and lunch to celebrate getting less than the American average household debt. Frank is now well on his way to become debt free in the next twelve months.

Frank's story is not an unusual one there are many people looking to become debt free and just by changing the way you do things in your every day life.