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BigAl07 · 02-17-2008, 07:02 PM

I want to start off saying... this is in NO way any type of advertisement or "Spam" or anything else. It's just something I want to "Get out there" in the hopes that someone else can benefit from it.

Imagine living your life with NO consumer debt. Imagine having the $$ to buy what you want when you want it. Never having to "worry" about money again!

A couple of years ago Julie and I were in a WORLD of debt. We had taken on more debt than was humanly possible to handle. We had made a LOT of bad financial decisions, spent a LOT of money before we had it and had just done the whole "Money Thing" wrong.

We met a woman who offered a new "Idea" with money and honestly Julie and I thought she was: in a cult, being scammed, or totally off of her rocker! We literally laughed when we left her house about this "New Idea for Money". We kept going the wrong way and building "Debt". Then we started getting tight. We needed to do something different. Bankruptcy was "mentioned" and even suggested by a family member. We were looking and searching for "Quick Fixes" and ways out. A dear friend told me, "Allen you can't BORROW your way out of DEBT!" You have to stop spending and start paying. It made sense but we still owed more than we could pay.

One day at work Julie ran into a lady she worked with and the subject of "Debt" came up. The lady mentioned this "Plan" she had just learned and how well it was working for her and her family. For some reason this time it sounded more "appealing" than it had a couple of years earlier. We both agreed to "Give It a try" because we'd tried just about everything else.

We enrolled and starting applying it. Honestly it wasn't easy. It didn't "Work" at first. It took some time and we had to change our "behavior" but over a couple of months it started working. Sure enough we started seeing improvement. Each month got easier and easier. Our debt sheet (spreadsheet I made up of how much we owed to who ) was HUGE! It was 2 full columns of debt that covered 2 full sheets of paper. It was INSANE to see it on paper. Well it's been about 20 months now and that "Debt Sheet" is still two pages. The difference is about 95% of those debts have a big black "X" through them. As we pay off each debt we mark it off. As we add any NEW debt it gets added at the END of the sheet (Nothing has been ADDED though).

This is my way or reaching out to fellow RS members and trying to let others experience the JOY and HAPPINESS Julie and I have felt. There are no words that can describe what it's like to NOT have ANY money worries. Debt is a word of our past and not something we've learned to live with.

I don't have all the answers but if anyone is interested in more please don't hesitate to ask me privately or openly here. I only want to SHARE in what we've been blessed to feel.

Life is too short to LIVE with debt running it! Take control and "Change Your Family Tree". Financial Peace... that's an UNDERSTATEMENT

*Disclaimer* This can work for ANYONE no matter what your current financial statement looks like. It works for those like us or those who have a TON of wealth. It's common sense money matters.

02-17-2008, 07:02 PM	#1 (permalink)
BigAl07 Do I look as lost as I am Join Date: Mar 2007 Location: Waynesville, North Carolina Posts: 21,549 View Gallery Karma Komment Add yours!	OT: Allen's testimonial . . . I want to start off saying... this is in NO way any type of advertisement or "Spam" or anything else. It's just something I want to "Get out there" in the hopes that someone else can benefit from it. Imagine living your life with NO consumer debt. Imagine having the $$ to buy what you want when you want it. Never having to "worry" about money again! A couple of years ago Julie and I were in a WORLD of debt. We had taken on more debt than was humanly possible to handle. We had made a LOT of bad financial decisions, spent a LOT of money before we had it and had just done the whole "Money Thing" wrong. We met a woman who offered a new "Idea" with money and honestly Julie and I thought she was: in a cult, being scammed, or totally off of her rocker! We literally laughed when we left her house about this "New Idea for Money". We kept going the wrong way and building "Debt". Then we started getting tight. We needed to do something different. Bankruptcy was "mentioned" and even suggested by a family member. We were looking and searching for "Quick Fixes" and ways out. A dear friend told me, "Allen you can't BORROW your way out of DEBT!" You have to stop spending and start paying. It made sense but we still owed more than we could pay. One day at work Julie ran into a lady she worked with and the subject of "Debt" came up. The lady mentioned this "Plan" she had just learned and how well it was working for her and her family. For some reason this time it sounded more "appealing" than it had a couple of years earlier. We both agreed to "Give It a try" because we'd tried just about everything else. We enrolled and starting applying it. Honestly it wasn't easy. It didn't "Work" at first. It took some time and we had to change our "behavior" but over a couple of months it started working. Sure enough we started seeing improvement. Each month got easier and easier. Our debt sheet (spreadsheet I made up of how much we owed to who ) was HUGE! It was 2 full columns of debt that covered 2 full sheets of paper. It was INSANE to see it on paper. Well it's been about 20 months now and that "Debt Sheet" is still two pages. The difference is about 95% of those debts have a big black "X" through them. As we pay off each debt we mark it off. As we add any NEW debt it gets added at the END of the sheet (Nothing has been ADDED though). This is my way or reaching out to fellow RS members and trying to let others experience the JOY and HAPPINESS Julie and I have felt. There are no words that can describe what it's like to NOT have ANY money worries. Debt is a word of our past and not something we've learned to live with. I don't have all the answers but if anyone is interested in more please don't hesitate to ask me privately or openly here. I only want to SHARE in what we've been blessed to feel. Life is too short to LIVE with debt running it! Take control and "Change Your Family Tree". Financial Peace... that's an UNDERSTATEMENT Disclaimer This can work for ANYONE no matter what your current financial statement looks like. It works for those like us or those who have a TON of wealth. It's common sense money matters. __________________ ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ ~~~~~~~~~~~~ *Live Rock Rubble will do the SAME thing as Bio-Balls and is NOT a suitable replacement for BIO-BALLS in a Reef System! It's ALL gotta go!!* Nitrate (NO3) reduction is directly proportional to percentage of Water Change. Allen's home-made formula...currentNO3-((%WC.01)currentNO3)=finalNO3 (thanks Luukosian) This means if you change 50% of your total water volume (That's EVERYTHING) you'll get a net reduction of (NO3) somewhere around 50%. Ask me about how to increase your REEF budget without going without FOOD!!* Big Al's 10g Julie's (BigAl's Gal) 6g NanoCube Gone but not forgotten BigAl's Slow 90g Tank Chronicle Allens OFFICE 12g Nano-Reef Last edited by BigAl07 : 02-17-2008 at 11:29 PM.