Sketching Your Payment Plan

When you are starting the debt settlement process, the most crucial part is to sketch your payment plan well. First, you have to be able to make the regular payments, and second, the creditor has to agree with it.

To sketch an optimal Payment Plan that will get you out of debt, you will need to follow the next steps one by one and review each topic thoroughly.

1. Interest Rate Negotiation: it is one of the most important parts of the plan because a successful interest rate negotiation can and will save you a lot of money. Try to reduce as much as you can in order to reduce the principal debt amount. Your interest rates could get eliminated if your payment plan ranges in a 6-month period.

2. Automatic Savings Deposit: you will need to setup your checking account to automatically transfer money to your savings account. When you accumulate a substantial amount of money, the debt settlement program can be closed for one of the accounts.

3. Old resources may be helpful: make use of old savings accounts, stocks, bonds, mutual funds and any kind of investment to negotiate. By using a large sum of money you could achieve up to 60% of savings, .

4. Ask friends and family for help: do not feel ashamed to ask for help among your circle of friends or your family members. This is a great way to raise funds in order to negotiate a good deal.

5. Insurance policies: you can always use a percentage from your insurance policy to repay your debts. The great thing about it is that you do not have to repay it. Even better, the withdrawn amount is deducted from the policy.

6. Using your assets: if you have valuable assets, sell them to obtain funds. Having lots of assets may be a problem if you ask for Debt Settlement because the creditor could get the entire debt amount without giving you any reduction.

7. Procure an extra income: whenever you can, try to find a second job to increase your income. In doing so, you can reach the Debt Settlement requirements, and you can also start saving money to complete the debt settlement for certain accounts. A saving plan can also be very helpful in the long term. You can always count on the saved money to bargain for a major reduction on your debts.

Above all, we recommend people always look for professional help because counselors know the collection agencies and the creditors. That is why they have an edge during the negotiation process and will surely get you the best debt settlement plan in order to achieve the ultimate goal: become debt free. Start the process right now and see for yourself that you can become debt free once more.

Fill out our short on-line form and let us show you how Debt Settlement can stop harassment from collection agencies and can also solve your debt problems.

Check these links to learn more:

www.curadebt.com/debt/debt-free-debt-consolidation.asp

www.curadebt.com/credit+card+debt+relief.asp

Debbie White is a contributing writer to www.curadebt.com and is currently writing some special articles to guide business on how to manage debt and avoid bankruptcy. For Free Payment Plan Information and Debt Help Consultation, call toll-free 1-877-850-3328

Clothes and Shoes and Stretching

Now that we have a trainer, our next concern is to be equipped with the proper shoes and clothes, so our training experience can be maximized. If your trying to create a great body you need to start with clothes and shoes that will make you feel good as well as look good! {The reason behind that is if you look and feel good you will tend to be in a motivated state of mind, and in this state we build consistency, this is where results come from.}

What kind of clothes and shoes do I need you may ask? You could spend a few hundred dollars for designer workout gear and that would make you feel and look better, but all you need is some clean and comfortable clothes and shoes. Most discount stores sell designer replicas at a fraction of the cost. I recommend layering your clothes and as you warm up take a piece of clothing off. Keeping warm helps protect your joints, until you fully warm up, so you don't get hurt. Now we have the proper equipment to get started.

Next I highly recommend incorporating a consistent stretching program, which will reduce injuries and produce greater results. I do 15 to 25 minutes per day as well as stretching in between exercises. The benefit of stretching is huge; it can make or break your training progress. As I describe training techniques each month I will go over the stretching to do for each body part. So you can achieve optimum results!!!

Here are some basic stretches you can start with to enhance your training and or walking program. Trunk Twists- Standing big and tall with good posture, feet shoulder distance apart, place your hands on your hips rotate your upper torso from right to left in a nice controlled manner. Repetitions of 15 to 30 per side will be enough. Side Stretches- also standing tall with good posture, feet shoulder distance apart, your arms hanging to your side, slowly with your head up bend from one side, then the other. This focus is on stretching the outer muscles of your abs which is the oblique {commonly referred to as love handles} Toe Touches- Standing tall with feet shoulder distance apart, arms hanging to your side, slowly, bend your torso touching your fingertips as close to your toes as you can get, without bouncing. This is a great stretch for your hamstrings and your lower back. I normally recommend finishing your stretching warm up with a series of push- ups and sit-ups. All movements are to be slow and controlled at all times. While doing these stretches stand with your knees slightly bent to alleviate the pressure off your lower back.

Remember that the journey of a thousand miles begins with a single step.

I believe that the key of everybody's personal journey is to develop faith in yourself, your creator and the people around you. Also condition yourself to believe that there is always a way if you're committed.

If you fail just keep changing your approach until you succeed!!! Remember to always be good to yourself and others

To learn more, please visit http://building-muscle-information.info/

To learn more, please visit http://building-muscle-information.info/

Keith Londrie II

klondrie @ yahoo.com

http://building-muscle-information.info/