Is it possible to live a debt free life without

feeling hard done?

Yes it is. In fact it is the best life we could live. Because we have far more freedom

physically and emotionally in this life than if we carried debt. It is a very satisfying

life to take good care of what we do have and use things for something better

instead of discarding them.

The road to debt free living starts with acknowledging your debt, making a

decision to stop, making a plan to get out of debt and living a debt free life. Debt

can impact your family in so many ways such as spend more than earn. This has to

stop. You have to make a change and debt counseling want to help you start. We

discussed these five steps that will get you on the road to debt-free living:

How we get out of debt.

Making a decision to stop

Identifying our purchase behavior and understanding why we make

purchases

Making a plan to correct it

How to keep your debt-free living

The Debt Review process helps you to handle your money and also secure you

from any legal action that may be taken against you, only in the suggested pay

back plan that is agreed on between you and your creditors.

You can also apply for debt review with the help of the (NCR) National Credit

Regulator.

The National Credit Regulator will relate you to an authorized Debt

Counsellor in your area, who will evaluate your financial situation and help you

take appropriate actions to resolve your financial problem.

The Debt Counsellor negotiates with all your creditors to achieve an agreement

with them regarding a payback proposal. If you qualify you will be officially

placed under debt review.