Last February, I had the honor of being interviewed by Pat Robertson on The 700 Club. It was a great time. Check it out...

If you're considering a debt-relief solution (like debt consolidation or debt settlement) you must watch this video. 

Each months thousands of people start a debt-relief program, only to quit just a few months down the road, disappointed, disillusioned, and worse off financially. And when you start a debt-relief program, you expect things to get better - not worse.

In the same amount of time it would take you to sit down and pay all of those bills that are giving you a knot in your stomach, you can discover what you need to know to avoid making that mistake. 

So, click play on the video above and learn:

• What debt relief is (and what it isn't)
• What debt & credit really are
• How to know if you really need help
• How to determine the kind of help you really need

Don't risk becoming a debt relief statistic. Watch and learn how to avoid going from the financial frying pan into the fire.

Understanding Personal Cash Flow

Understanding Personal Cash Flow

If you're looking for help with your debt and go online to a search engine, or pick up a phone to call one of those debt relief companies, you're only treating a symptom to a bigger problem. That problem is a lack of understanding regarding how personal cash flow really works.

Here's a "for instance." Let's say you have a house payment, a couple of car payments, and a few credit cards you have to pay each month. And let's say that total is $2,575. Did you know that the majority of that total amount is being wasted on interest? While debt-relief will be helpful, knowing how to avoid the monthly payment trap is even more necessary. Consider this…

How much money have you generated in income over the past 5 or 10 years? The average single income is $50,000/year. After income taxes are deducted, the average NET (bring home) pay is about $34,500 each year. Over 5 years, that's $172,500. After ten, that's $340,000. That's a LOT of money. But what do you have to show for it?

Understanding personal cash flow is the key to living the life you deserve. And understanding that the single biggest obstacle to achieving that life is using debt and credit.

To get on the path to achieving your financial potential, you can request a free copy of my report, "The 5 Cash Flow Secrets I've Discovered That Virtually Guarantee Financial Freedom" at http://www.therealcashflowceo.com/Resources.html.

To begin to discover the condition of your personal cash flow, you can start your own free Cash-Flow Analysis at http://www.debtfree.com/Preregistration.aspx. Or, to learn more about what the Cash-Flow Analysis can do, visit http://www.debtfree.com/whycfa.aspx.