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The 5 Smart Steps to Eliminating Debt

January 27, 2009
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The Glenn Beck Program

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By Richard Paul Evans

First, there are few things in America as common as debt. A lot of people have different philosophies about debt and there are questionable books out there telling you to just blow off your debts. Most of it is trash and what they conveniently leave out is how much you, and others, will suffer for following their advice. Call me old-fashioned, but I believe in integrity. I believe that if you created the debt, the honorable thing to do is to pay it off. But there are 5 simple steps that can protect your credit, save you money, hassle and time. I have personally used this 5-step technique with major corporations. And what works on multi-million dollar levels works just as well on an individual consumer level.

STEP 1. RECORD ALL YOUR DEBT ON ONE SHEET (IF POSSIBLE) SO YOU KNOW EXACTLY WHAT YOU’RE FACING. Better the devil you know than the devil you don’t. Write down the company or person you owe, how old the invoice is, the invoice number and the amount. Make sure you don’t miss a single debt, as having unaccounted debt pop up later is demoralizing.

STEP 2. CONTACT (PREFERABLY CALL) EVERYONE YOU OWE MONEY AND ASK IF THEY WILL REDUCE YOUR DEBT. If you read yesterday’s tip, you learned about the 7 golden words, what they are and how to use them. Using the seven golden words you’ll be amazed at how much you can reduce your debt. If you missed that tip I’ll share the words again: ‘IS THAT THE BEST YOU CAN DO.’

I once helped manage a company that was trying to avoid bankruptcy. At my counsel they directed one employee to call their creditors and use the 7 golden words. This technique knocked out more than a third of their quarter million dollar debt in just one week. We found that many of the creditors were willing to accept as little as 30% of the invoice if the company would pay off the debt quickly. (Doing this may require you to shuffle your payment priorities a bit.) A few companies that were not willing to negotiate the price willingly offered to negotiate the terms of payment. One creditor changed a large lump sum debt to an escalating payment, starting low and stretched it out over a year with no interest. You will probably be surprised at how often your creditors will be willing to work with you. Most companies are so used to people trying to avoid payment that someone trying to honorably pay their debts is a treat.

3. CONSOLIDATE YOUR REMAINING DEBT WITH THE LOWEST INTEREST RATE POSSIBLE. If you are struggling with significant debt, you might want to consult with a CCCS–a consumer credit counseling service–to create a debt repayment plan. This is a little tricky as not all CCCS organizations are good. Do your homework before signing up with one.

4. PAY DOWN YOUR DEBT. I recommend directing at least 10% of your income to debt retirement. (In tomorrow’s tip I will explain why you should continue to build a nest egg as you pay off your debt.)

5. DON’T CREATE ANY MORE DEBT. This might be the time to cut up some credit cards. In today’s world it’s not necessarily realistic to not have a credit card, but you can cut down on the number of cards you use, lower their limits or, if you’re unable to control yourself, change to a debit card. (Warning: It is not necessarily in your best interest to close down a credit card. This can lower your credit score. Simply destroying or not using the card can be just as effective.) One of the worst things that could happen after you have consolidated your debt is for you to create a new form of debt. If you suspect that you’re a compulsive or binge spender, get help now. Remember, it takes time to pay off debt, but the sweet taste of freedom at the end of the journey is worth every step.

Richard Paul Evans is a #1 New York Times bestselling author and the founder of the 5 Lessons Institute.  (5Lessons.com) His new book is called: The Five Lessons a Millionaire Taught Me for Women.  To order the book click one of the online retailers below:

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Glenn Beck, Chad Prather, and Steven Crowder on Dr. Seuss and the idiocy of cancel culture

Blaze TV hosts Glenn Beck , Chad Prather, and Steven Crowder weighed-in with similar but different thoughts on the fascism associated with canceling Dr. Seuss.

Glenn Beck can't help but wonder, "What is wrong with us?" in light of the Dr. Seuss books that have been cancelled due to "hurtful and wrong" illustrations — that takes America one step closer to complete insanity.

Chad Prather approached the issue from a comedic perspective, stating that "Dr. Seuss is dead and could not be reached for comment."

Steven Crowder explained that Dr. Seuss books were banned for being offensive and insensitive to some. So Steven decided to parody the six banned children's books with progressively titled and hilariously inappropriate versions.

Read the full story from TheBlaze News here.

'We DON'T destroy books'

"They are banning Dr. Seuss books. How much more do you need to see before all of America wakes up? ... This is fascism!" Glenn said. "We don't destroy books. What is wrong with us, America?" - Glenn Beck. Download the podcast here.

Chad Prather's comedic take on why Dr. Seuss got canceled

"Dr. Seuss is dead and could not be reached for comment'"- Chad Prather. Download the podcast here.

Dr. Seuss BANNING Bonanza! New Progressive Book Titles Revealed! 

In this 7+1 segment-- Crowder uncovers, new, unreleased Dr. Seuss titles that will be released in the near future (parody). Download the podcast here.

Use promo code BLAZE to save $10 on one year of BlazeTV.

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To enjoy more Glenn, Chad, and Steven subscribe to BlazeTV - News & entertainment for people who love America.

Finance Fascists: The Credit Chokehold That Will Bankrupt America

"What's your climate credit score?" That's a question Americans may have to answer if the green global elites get their way.

While the media has distracted us with Orange Man Bad! and Russia, Russia, Russia!, the Left has been busy working on the fundamental transformation of America with a primary pressure point — YOUR money through YOUR bank. Democrats, forgetting the words of MLK, like to group people into categories. They judge you based on what skin color you have, your religion, occupation, your ideology, and now … your carbon footprint.

On his Wednesday night TV special this week, Glenn Beck exposes how they're now planning, not only to categorize you, but to give you a score. It'll determine everything for you: whether you can buy a home, get a new car, open a business … EVERYTHING. And if you don't bend the knee? You'll be blacklisted. But this isn't some far-off conspiracy theory. Multiple big U.S. banks are part of a private U.S. financial group enacting these policies now. It's here, and we're ALL at risk.

Watch the full episode below:

Want more from Glenn Beck?

To enjoy more of Glenn's masterful storytelling, thought-provoking analysis and uncanny ability to make sense of the chaos, subscribe to BlazeTV — the largest multi-platform network of voices who love America, defend the Constitution and live the American dream.

'We'll take the hits, but we WON'T let people lie': CPAC organizer hints at lawsuit over 'Nazi' stage design claims

Unlike the mainstream media, we at the "Glenn Beck Radio Program" decided to actually do the research and get to the bottom of CPAC's controversial stage design, which many on the Left have suggested was purposefully shaped like an obscure Nazi symbol. We got our answers straight from the source — and it's not what the media is suggesting.

American Conservative Union chairman Matt Schlapp joined Glenn on Wednesday to share the real story of the stage design, who designed it, and why he's taking legal options against those smearing the Conservative Political Action Conference's name seriously.

Matt told Glenn he'd never heard of the alleged Nazi insignia, noting that even a staff member who "studied anti-Semitism in college" did not recognize the obscure symbol. He went on to explain how the stage designing firm, Design Foundry, and Hyatt Hotels worked collaboratively with CPAC event organizers for months throughout the designing and construction of the stage. However, when pressured by the cancel culture mob on social media, both companies "ran for the tall grass."

"Both the Hyatt and [Design Foundry] looked to CPAC and said [they] had nothing to do with this stage. That's outrageous," Matt stated. "This whole process takes months ... everybody saw this. Everybody had to figure out how to construct this. Everybody had eyes on it from every angle. And nobody in that process ever raised their hand and said, 'Oh, you know, I took a European history class, and I noticed [that the stage design looked like a Nazi symbol.] Nobody."

Matt went on to add that, while CPAC expects attacks from the Left, they also have every intention of standing up for themselves, the conservative community, the Jewish community, and all the people who love America.

"We're fine with taking the hits. We always take the hits, it's part of being a prominent conservative group. We'll take the hits, but we won't let people lie," Matt said.

"I can't tell you how many people have called me during the course of this most tumultuous of years and said, at what point does the conservative community, do the 74 million Americans who voted for Donald Trump, do the people who love America, and think it's okay to read Dr. Seuss, and love Thomas Jefferson and Mount Rushmore, at what point do they start pushing back on the cancel culture? At what point do they say, this is a line you can't cross? I think we're at that line," he added.

"We called our conference, 'America Uncanceled.' The whole thing became about them canceling us. At what point do we not have the right to say,' you can't treat us this way'? You're disparaging us. You're destroying our reputation. You're destroying our ability to be respected members of our community. So, I'm taking your challenge of pursuing our legal options very seriously. And I think we have to go broader. We can't let these companies just follow the woke mob. We can't do it."

Watch the video clip below to catch more of the conversation:

Want more from Glenn Beck?

To enjoy more of Glenn's masterful storytelling, thought-provoking analysis and uncanny ability to make sense of the chaos, subscribe to BlazeTV — the largest multi-platform network of voices who love America, defend the Constitution and live the American dream.

Jim Acosta perfectly demonstrates why CPAC attendees chanted ‘CNN sucks’

CNN reporter Jim Acosta was confronted at CPAC by The Federalist reporter David Marcus with a valid question: "When are you guys going to start covering Cuomo?" His answer — or, really, lack of an answer — perfectly demonstrates why he was earlier surrounded by CPAC attendees chanting, "CNN sucks!"

On the "Glenn Beck Radio Program" Tuesday, Glenn and producer Stu Burguiere react to a video clip of the exchange with Acosta, as well as the mainstream media's double standards when it comes to Democratic New York Gov. Andrew Cuomo.

Watch the video below:

Want more from Glenn Beck?

To enjoy more of Glenn's masterful storytelling, thought-provoking analysis and uncanny ability to make sense of the chaos, subscribe to BlazeTV — the largest multi-platform network of voices who love America, defend the Constitution and live the American dream.