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The 5 Smart Steps to Eliminating Debt

January 27, 2009
 Radio Clips

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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YIKES: Joe Biden says 'palmist' instead of 'Psalmist' — twice — then fractures foot while playing with dog

Image source: C-Span video screenshot

The media went nuts after President Donald Trump said "Two Corinthians". But apparently, nobody cares when Joe Biden called the authors of Biblical Psalms "palmists" — twice.

During a Thanksgiving speech on Wednesday, Biden said, "I'm sure we can, we can pros-claim [sic] a palmist, with a palmist who wrote these following words, 'The lord is my strength and my shield and with my song, I give thanks to him.'"

On the radio program Monday, Glenn Beck and producer Stu Burguiere pondered whether Biden actually meant to quote a fortune teller instead of a psalmist, but ultimately decided the former vice president likely had no idea what he was reading.

They also discussed the hairline fractures Biden suffered in his right foot on Saturday while playing his dog, and Glenn tossed out a few headlines he thought might work just a little too well.

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.

Subscribe to BlazeTV today with our BEST DEAL EVER for $30 off with promo code GLENN.

SCOTUS sides with 1st Amdt., slaps down Cuomo's COVID restrictions on religious gatherings

Photo by David Dee Delgado/Getty Images

The Supreme Court slapped down New York Democratic Gov. Andrew Cuomo's COVID-19 restrictions on religious gatherings Wednesday, arguing that strict limitations on the number of people in churches, synagogues, and other houses of worship — while liquor stores, bike shops, and many other non-religious places face few or no restrictions at all — are in violation of the First Amendment.

On the radio program Monday, Glenn Beck and Stu Burguiere applauded Justice Amy Coney Barrett, who reportedly cast the deciding vote in the 5-4 ruling, as well as Justice Neil Gorsuch who took specific aim at Gov. Cuomo for limiting religious gatherings to as few as 10 people in some areas, while imposing "no capacity restrictions on certain businesses he considers 'essential'."

"It turns out the businesses the Governor considers essential include hardware stores, acupuncturists, and liquor stores," Gorsuch said. "Bicycle repair shops, certain signage companies, accountants, lawyers, and insurance agents are all essential too."

"Government is not free to disregard the 1st Amendment in times of crisis," Gorsuch wrote in a separate opinion.

Gov. Cuomo has since called the Supreme Court ruling "moot" and "irrelevant" because he had recently lifted restrictions in most of the affected areas.

"This is a trick they play all the time. They've done this with Second Amendment cases as well," Stu noted. "They'll put a ridiculous restriction in that's obviously not constitutional, keep it in place for a year while it goes through the courts, and right before it gets to the Supreme Court they withdraw the rule. So then the case gets thrown out because it's moot."

Watch the video below for more details:


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.

Subscribe to BlazeTV today with our BEST DEAL EVER for $30 off with promo code GLENN.

Hey Joe, THIS is how you handle terrorists

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If you haven't seen the new Apple TV+ drama Tehran, it's definitely worth your time. It tells the story of an Israeli spy who sneaks into Iran to set up an attack on Iran's nuclear program. Now that the new Bond movie is delayed, this show has a little bit of everything to hold you over: international spies, hackers, double agents.

But I digress...

No matter how Hollywood tries to invent these stories — and this one is definitely good — they always fall short of what happens in real life. What happened in Iran this past Friday is a movie waiting to happen.

What happened in Iran this past Friday is a movie waiting to happen.

Iran's top nuclear scientist, Mohsen Fakhrizadeh, was assassinated as he was traveling to his private villa just a few miles east of Tehran. The operation involved a team of over 60 people. Around 50 logistical support agents backed up a dozen gunmen. They knew everything. His schedule, his private address, his classified movements, the route...

Fakhrizadeh was traveling in the middle of three armored vehicles. When they approached the ambush site, the hit team cut off all the electricity in the surrounding area. A car bomb was then remotely detonated, taking out the rear vehicle in the convoy. 12 gunmen proceeded to open fire on the other two cars. Iran's top nuclear scientist was dead, and NONE of the hit squad were wounded or arrested.

Now you can already guess where the blame is being directed this morning. Almost immediately, the fingers began to point at both Israel and the United States. The mainstream media is trying to paint this as an effort by Trump to sabotage a Biden effort to restart the Iran Nuclear Deal. Remember that "masterful" stroke of Middle East foreign policy? You know, the deal that included $150 BILLION — in cash — that Obama and Biden knew would be used to kill Americans and destabilize the entire region. Remember that?

They said it was impossible... but Trump did it.

They claimed their way was the only path to peace. What did they get from it? Iran spread out all the way to the literal doorstep of Israel. The elite Iraqi troops of the Republican Guard were staging in Syria, plotting that ultimate attack to take back Jerusalem. The entire region was set to explode... but then Trump scuttled the deal. What did it lead to? Historic peace agreements between the Arab world and Israel.

They said it was impossible... but Trump did it. He reimposed sanctions and launched a campaign to kill terrorists rather than give them money.

John Brennan took to Twitter this weekend to call the assassination a criminal act.

It echoes what they said when the top terrorist in the world — Qassem Soleimani — was assassinated in Iraq. Coincidentally, the Iranian government published artwork over the weekend depicting Soleimani and the, now dead, nuclear scientist standing side by side.

You see, now matter how people like Brennan and Biden might try and say otherwise, this is exactly the type of person Iran's "Robert Openheimer" was: a terrorist in the same category as Soleimani (but obviously with a lot more dangerous capability).

Iran has been protecting this man for two decades. They called him merely "an academic," but denied the UN IAEA inspectors to ever question him.

The rhetoric Iran fed the global community was that their nuclear program didn't have anything to do with weapons, and that this nuclear scientist was involved in research to improve their energy programs. But in 2007, the CIA said this was a cover story. In 2008, the United States froze his assets, and the IAEA made it public that this scientist was leading Iran's nuclear weapons project.

Iran called it "Projects 110 and 111." Fakhrizadeh was tasked with finding out how to miniaturize a nuclear warhead and make it durable enough so that it could survive re-entry into the atmosphere on top of an ICBM.

There can be no accommodation with terrorists.

Obama and Biden's nuclear deal didn't stop ANY of this. Israel revealed in 2018 that Projects 110 and 111 continued. Fakhrizadeh was specifically called out as still being the main man in charge.

Biden thinks his policy of accommodation will somehow bring us the peace that Neville Chamberlain once thought was possible with Hitler. When has this borne fruit with any maniacal tyrant or terrorist... ever?!

And that's exactly what Iran and their thugs are. They're terrorists! They're not a legitimate regime. Long before ISIS, the terrorists in Iran stole a country, planning to spread their caliphate all over the world. Members of Al Qaeda, despite being Sunni, enjoy free sanctuary under their protection. They want to burn Israel to the ground. They chant "death to America"... It's actually a holiday there.

There can be no accommodation with terrorists. Biden wants peace with Iran, and he'll probably roll out a red carpet and offer them a few hundred billion more dollars. We know this doesn't work. To quote Reagan, "there's one way to have peace and you can have it in this second... surrender."

That's how you deal with terrorists, and — whether we were involved or not — another one was just taken out.

'Enemies of this nation are baking a new American cake': Jason Whitlock on how we take our country back

How does a sports writer know how to fix America, and America's racial dilemma?

In a special edition of the "Glenn Beck Radio Program," Outkick sports columnist Jason Whitlock filled in Tuesday for Glenn to explain how we can bring America back together, lean into racial harmony, and restore the values of our Founding Fathers. Because if not us, then who will?

Jason started out by explaining how, during a recent appearance on the program, he felt a spiritual connection with Glenn, regardless of physical differences, as both share a common passion for God and country.

"Glenn and I share a kindred spirit. A kindred passion," Jason said. "We have two things that we love and are passionate about: God and country. I am not a minister. I'm a flawed sinner just like Glenn and just like you. But I am a believer. Believers share an energy that connects them, that cuts through our physical differences and makes those differences irrelevant relevant. That's what I felt when I met Glenn, an energy and a spirit that connects us. We are broadcasters, media personalities, operating in separate spaces, trying to talk to Americans, who share our passion."

Jason went on to say that he believes there are forces operating, both outside of and inside America, that are working to separate America from God, and that much of what we've witnessed in 2020 — from the racial division stirred by the mainstream and social media, to the rioting and looting by Antifa and Black Lives Matter, to the "remaking of the sports world into a shrine that celebrates resisting criminal suspects and denigrates this great country at every turn" — are symptoms and consequences of America's enemies separating God and country.

"We are one nation under God. We are nothing without Him," Jason continued. "The flawed sinners who founded this nation baked God into this country with their Declaration of Independence. We hold these truths to be self-evident, that all men are created equal. That they are endowed by their creator with certain unalienable rights. That among those, are life, liberty, and the pursuit of happiness. The foreign and domestic enemies of this nation are baking a new American cake. God isn't an essential ingredient in this new cake. He isn't an ingredient at all. The removal of faith is sewing the disharmony that is terrorizing and destroying the United States of America.

"Why am I here today? I'm here to tell you how we take our country back, how we restore the freedoms and the liberties our enemies seek to remove in their remaking of a godless America."

Watch the video below to hear more from Jason Whitlock:

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.

Subscribe to BlazeTV today with our BEST DEAL EVER for $30 off with promo code GLENN.