How to get out of Debt, and pay off all your credit cards in less than 2 years, WITHOUT bankruptcy, IVA or other gimmick

AND you can then learn how to start making more money than you ever thought possible - effortlessly.

Banish the stress of dealing with your mounting credit card debt that is affecting your feeling of well-being, your health and your family life

Poor money management can haunt you for life; eliminating bad debt enriches your life. One lady I met recently set up her own business and the bank refuses to finance the growth of the business because she had an IVA in the past. The only way for her to finance her business growth at that point was through re-mortgaging her home – but again, she met stumbling blocks because the only re-mortgage she could get was one that included a very high interest rate, so she would be throwing money away. She is being haunted by her past mistakes.

Most private organisations that offer to help you set up IVA or become bankrupt can profit massively from your circumstances, usually managing to gain thousands of (your) pounds in the process. (There are exceptions such as voluntary organisations, which I exclude from this statement!)

Most marketing activity is designed to catch your attention and make it sound so easy. Why? The main reason is that financial organisations often benefit massively by your decision. Let me give you an example.

A client came to me and provided me with a copy of her IVA agreement. When I studied it, I found this was the breakdown:

Total debt accrued £44,900
Settlement arranged - £416 per month payable over 60 months (5 years). Thus she would be paying back £25,000.

This money was split:
Insolvency Practitioner costs over the 5 year period £13,100.
Total paid to creditors £11,800
Total cost to my client: 5 Years of financial harassment, with any salary increases to be added toward paying off debts, plus only half the money paid going to the creditors!

The Insolvency Practitioner earned over £13,000 - more than HALF of the money she would be handing over during the next 5-year period. This lady was totally unaware of this even though it was in the contract she had signed. Worse still, she has to spend the next 5 years checking in with the Insolvency Practitioner and handing over details of her earnings to show they have not change. If they have, she has been told she may need to pay more back!

Learn how to avoid having 5 years of your income scrutinised by your creditors

This does not have to happen to you, if you are willing to learn how to deal with this yourself and you are willing to pick yourself up from the doldrums of a debt ridden life and turn your life around. You can do this. How do I know? Because I have been there, done it and have a T-Shirt to prove it!!! I’ll tell you more about that later…

Use your hard earned money to re-build your credit rating, credibility and self-respect instead of giving up to 50% to an Insolvency Practitioner

Whilst I’m not adverse to people earning a living, the kind of practice I have used as an example above is unjustified especially when so-called financial advisors claim to be wanting to help. You should always be suspicious when an advisor says, “just sign here and I’ll sort out the rest”.

Pay off all your credit card bills in less than 2 years

You can quickly set up your rapid repayment plan by following some simple steps outlined in Step 4 of the DebtFree & Happy programme. This simple and flexible system will get you so excited you’ll become addicted to finding solutions that work for you.

Within the credit card debt elimination process, we encourage you to ask yourself: How much better off will I be, five to seven years from today, How much more money would I have available to spend with my loved ones? How much less stress would I have in my life? How much more fun would I have?

If you take action now and learn how to get out of debt now you’ll be wealthy instead of scraping by. You’ll have 50% more to spend instead of 10% too little. You’ll be stress-free and have the time and money to enjoy life.

I’ll show you how to get out of debt and:

• Eliminate your credit card debt quickly and where to eliminate all your debts
• Learn the one main strategy to AVOID bankruptcy 
• How to recognise the dangers of debt consolidation and debt consolidation loans

These are just a few of the things you’ll learn by following the DebtFree&Happy step-by-step home study course

If you're tired of juggling your cash to pay your credit card bills every month, then you'll find a guide and mentor with DebtFree&Happy - and lots of tips for getting out of debt faster, saving lots of money, and getting your financial life back to normal!

Are you:

• Stressed out from trying to pay your credit card bills every month? Stress results from a lack of control. In step 4 of the system you will quickly get a grip of your financial situation so that you can start to control your finances.
• Sick of worrying about money all the time? When you know the exact situation (instead of second guessing) and you have access to all the resources on the DebtFree&Happy website, along with the help line, you can put worry aside and take the action you need to become DebtFree&Happy for good!
• Having problems paying your bills (or have done in the past)? You can stop the cycle from reoccurring. Studies show that most people who get into debt have been in debt previously and will get into debt again*. By thoroughly covering the psychology of money in Steps 1-3 you’ll never fall into the trap of bad debt acquisition again.
• Eager to learn how you can get out of debt faster, fix your credit problems, & save yourself lots of money? Only by educating yourself on the power of money will you do all of this in record time. 25%* of Brits don’t have a clue how much they spend each week… do you? If you don’t, then in Step 4, you’ll soon learn how to get a grip of your cash flow to avoid charges, interest and much more.

* Source: Creditaction.org.uk

You are about to discover a way to solve your financial problems, change the way you handle money and, best of all, learn how to create financial abundance for you, your family and loved ones.

Being in debt is no fun. When creditors are phoning you, knocking at your door and sending bailiffs round to take away all your possessions you know you’ve hit rock bottom.

"I completed the DebtFree&Happy programme almost 5 years ago. This week I found my original goals… I can't believe how menial they were. My goals included: to rent a home, learn to drive and get a car, and earn £10,000. Within a year I had moved home, bought a three year old car and earned £28,000" CNE, Lancashire (2003) – In 2006 this client updated this again and said she has now purchased her own home.

LEARN the SECRETS of the WEALTHY. Make money work for you rather than you working for your money.

With our programme you will:

• Avoid bailiffs taking away your possessions and forcing bankruptcy. You will avoid the stigma attached to this practice with 2 simple actions. These actions are outlined in step 1 and reinforced in step 3.
• Train your brain to make money work for you. In step 2 you’ll learn how a shift in thinking can lead to more money flowing into your life and the bonus MindFocus CD will supercharge that brainpower!
• Feel educated about money and what it means. In step 3 you’ll learn the limiting beliefs you have toward money and how to eliminate them for good.
• Lower stress levels by getting your bank balance back in credit and step 4 of the programme will show you EXACTLY how to do that quickly and easily
• Protect your family with 7 simple financial and psychological steps

Protect your future wealth

Get out of Debt, Stay out of Debt without bankruptcy, IVA or other Gimmick!

Getting out of debt is the GIANT step you need to make if you want to make your money work for you rather than YOU working for your money. The secret to becoming rich is to know how to use “good debt” to make MONEY WORK FOR YOU and how to eliminate “bad debt” from your life.

You can learn this but you must have the determination AND the right tools to help you get there.

What excuses are you making that stop you from taking action right now? Here are just a handful of comments I’ve heard over and over again (and my responses to them):

"I have a good idea what I can afford, I don't need to keep a budget."
According to Credit Action research statistics show that each month many adults spend as much as 10% more each month than they earn. This can often be traced back to not knowing how much has been spent, and how much money is left on a daily basis.

Getting out of debt “takes too long” or is "too difficult," "too time consuming," or "too confusing, I’d rather someone else handled it”.
Of course controlling your money and dealing with debt can be all of the above if you don't have the right tools, information or help.

However, WITH the right tools and information found in the DebtFree&Happy programme, getting out of debt can be easy, FUN and far less time consuming than you think.

It can also give you far more credibility and build trust for your future endeavours. Who wants to loan money to those who give up? No one.

Soon you will be like me - each and every day I am offered credit by organisations that BEG me to take the money from them…so when I need the credit for a good investment opportunity, I can get it – and can sleep at night knowing that the money borrowed is making more money for me.

"I start dealing with my debt (or start saving), but lose momentum as the year goes on."
Successful debt clearance (or saving for that matter) requires continuity. By having the best motivational plan and tools, you will start spending less than you earn, naturally eliminate your debt and quickly start creating wealth and abundance.

"It is too hard to stick to a plan when my partner is spending money like its going out of fashion."
Getting out of debt, or saving can be difficult when more than one person has access to the same account and funds, however, by using the Money Optimiser, everyone can be involved in getting out of debt plan, and everyone can see what money has been allocated where and what is available to spend.

When everyone involved can quickly see how easy it is to have cash available when they need it, they soon become motivated to “play the game”. After all, making money is just like a game – a fun one at that!

“Why bother when I can simply consolidate my debts?”

Again, Credit Action research shows that 3 out of 5 of those people who opt for consolidation loans go on to generate more debt!

In order to eliminate debt, you must spend less than you make on a consistent basis, and avoid incurring new debt, then make payments towards reducing your existing debt. To do this, you need a spending plan or a budget.

In the DebtFree&Happy programme, I explain how to eliminating debt using the Debt Trigger Figure and Snowball Method – partner that with your Automatic Millionaire Maker System and you’ll soon start making money quickly.

I explain that the debt snowball principle works by determining the total monthly payment you can make toward debt repayment. Each time you pay off a debt, you add the payment for that debt to the monthly payment for the next priority debt.

This will accelerate the rate at which this debt is paid. When the second debt is paid, you add the payment you have been making on this debt to the monthly payment for the third priority debt. This process is continued until all debt has been eliminated.

"Wow! I've been struggling for 5 years to juggle all my credit card and loan repayments. I wondered how I could ever clear them. It would have taken me 28 years to clear my debts by continuing to do what I had been doing. Instead it will only take me 42 months! Amazing!" PC, North Wales

The key is to continue making that same monthly payment but redirecting the funds to your automatic millionaire accounts. Following this debt elimination principle can often assist you in eliminating all of your debt, including your mortgage, in as few as five to eight years*

Make your own choice which way to eliminate your debts

As I explain in DebtFree&Happy, there are two ways to prioritise debt repayment: smallest outstanding balance to largest outstanding balance or highest interest rate to lowest interest rate. Because, in most cases, you will eliminate your debt faster if you begin with the debt carrying the highest interest rate, most financial advisors agree you should prioritise your repayment based on the interest rate—highest to lowest. However, I compared the length of time it would take to eliminate the debt by paying off the highest interest against paying off the lowest balance. In my case it worked out far more cost effective (i.e. I paid less interest) by paying the lowest balance off first rather then the highest interest rate. I’ll show you how to calculate both methods in the DebtFree&Happy programme so that you pay the least amount of interest or gain the most motivation. Imagine how much money you can save and invest if you are not paying interest. Invested properly, saving this interest could help you accomplish your goal of being debt free and financially secure much more quickly.

Completely eliminate those credit card debts quickly and automatically with these little known techniques!

Most of the mistakes you will make to try and get out of debt are due to failing to educate yourself about how you got into debt in the first place. Before you put a single penny into clearing your debts you must understand how you got to where you are right now.

Do you make excuses or convince yourself that you are a victim with statements like “it wasn’t me, it was my partner who accumulated the debt”. My response to such statements would be something along the lines of: “Really? Well if that was the case, you are still at fault because you let your partner accumulate the debt. And don’t give me the excuse that you didn’t know about it, it’s your business to know about it. If you shut your mind off to it, or chose to bury your head in the sand or ignore the problem then you only have yourself to blame.”

Now, don’t think I’m being hard or heartless. I simply want you to understand, you are where you are today because you choose to allow this to happen.

And believe me, I’ve made the same mistake. I once had a partner with whom I was co-habiting. He agreed to pay the rent and I would pay all the other bills including food shopping etc

Unfortunately when we split up, I then discovered he had not paid the rent for 3 whole months. I only discovered the problem when I had a call from the landlord 2 days after my partner had left. The landlord was chasing payment and I felt extremely embarrassed. I made arrangements to start paying an extra 50% per month until the debt was repaid.

I could easily say that this was down to the “scoundrel” but the truth is I made the choice to partner with him. I made the choice to allow him to pay the rent without checking it. I made choices that, with hindsight, were ill chosen and naïve. Would I make that mistake again? Absolutely not!

And if you find you have been dumped with bills and debts then now is the time to accept that you made the mistake, then sort it out and move on. Hanging on to old grudges won’t help you to become DebtFree&Happy. Focussing on the debts won’t help you become DebtFree&Happy.

Deciding on what you want and focussing on that will help you become DebtFree&Happy and very wealthy.

Debt occurs for many reasons but most people end up with crushing debts due to their own errors even if they don’t take responsibility for it. You’ll learn how to avoid or fix this mistake.

Just imagine being able to manage your debts properly. How much less stress would you have?

I’ll teach you how to improve your personal cash flow and use money wisely. With this knowledge you’ll then be able to focus on what is most important to you, instead of battling with angry creditors or worrying about how to pay the next bill.

“Your techniques helped me to communicate better with my creditors and get them to agree to payments that were far more realistic – I could never have done this without your help” AR, London.

Why listening to me can catapult you to serious wealth

I know the agony, pain and strain that accompany crippling debt. I know the dilemmas it causes. I was on the verge of losing my home, my business and staff, the house I’d purchased for my mother (leaving her homeless) and much more. I know the confusion you can feel.

I had no idea where to turn for help. I know the dilemmas caused by the various “advice” available and I was caught out by the “don’t worry, we’ll take care of it all for you” sales pitch. Accepting that statement as fact cost me almost £3,000 and 2 years of my life. I was no further on than when I started the process.

You don’t deserve to suffer any more than you already have and you don’t deserve to find yourself in the same position two years later, but £3000 or more out of your pocket.

You don’t deserve to be confused or overwhelmed. You don’t deserve to be chained to a lifetime of debt repayments when you can clear your debts so quickly hat you will shock yourself. You owe it to yourself to know this information.

Why limit yourself to being a debt-slave to others or limit your ability to access OPM (other people’s money or “good debt” as I like to call it) and start creating massive wealth? Why restrict yourself when this know-how formula can set you free?

While I'm no financial expert, I learned these lessons the hard way - and the experiences have definitely helped me manage my money and wealth better. And if I can do it, so can you!

You can learn some of the debt reduction tips and strategies I used in my FREE e-course including how to get creditors on your side, dealing with your excuses, how to work out if bankruptcy is right for you, knowing the one characteristic that will keep you strong during this challenging time, the biggest fatal error with family.

I have also helped many others to get out of debt. Over almost 5 years I developed a system. A system that will change the way you think about credit and debt for the rest of your life. A system that will catapult you so that you manage your money, pay off your debts and start creating massive wealth quickly and easily.

"I was amazed by how quickly I can clear my debts, just by changing a few habits" BT, Manchester

I’ll reveal ALL the techniques that will wipe out your debts and skyrocket your financial future

You may feel your situation is hopeless; in fact thousands in the same predicament felt exactly the same. You are not alone, and there is an answer. The good news is that many thousands have used my strategies to turn their finances and their lives around.

With £45,000 credit card debt, £169,000 & £28,000 other loans I was running out of options. My financial advisors suggested I declare bankruptcy. That would mean losing my home, terminating employment contracts for those loyal staff that worked so hard for me, selling the home I had purchased for my mother a few years earlier – basically leaving her homeless, and so much more.

Until I found a way to resolve my financial difficulties, WITHOUT declaring bankruptcy, WITHOUT consolidating or re-mortgaging, WITHOUT getting into more debt or seeking 0% credit card balance transfers. After all, those things were just the symptoms of my debt problems, not the cause. I needed to deal with the cause. I did just that – and you can too.

Is it a problem that drags you down daily? If so, you are not alone; In England this year, there are millions of working people who have accumulated credit card debt in excess of their present ability to pay. Many will lose their homes, their families and their self-respect. (During the first 3 months of 2007 there were 33,715 mortgage repossession claims issued in the UK – and more are forecast for the year - you don’t have to be one of them).

You don’t have to lose your possessions, family or self-respect

You don’t have to lose these things, because your unpleasant circumstances are about to change – as soon you invest in your own education and take up the guidance that is IN YOUR BEST INTERESTS not the interests of the loan company.

These are just some of the results that have been achieved, all of which relate to people who did not have to increase their income/salary, or declare bankruptcy. Instead, these people cleared their debts and within months were offered credit so that they could invest in their future:

17,000 cleared in less than 14 months
138,000 cleared in 24 months
260,000 cleared 50 months
360,000 including mortgage cleared in 38 month

There are thousands of people just like you that once accrued unimaginable amounts of debt and are now living debt free lives – yet they still have access to credit if they ever needed it. These people are saving money and not being hounded by letters and phone calls for outstanding debts.

Learn from those who have been in your situation

The system that I offer is not complicated with tonnes of facts and figures that would require a mathematical degree to unravel.

My methods are simple, clear and basic. They are designed for the average person who can use a calculator (if necessary) – and best of all, when you use these easy to follow, step-by-step instructions you will relieve yourself of agonising debt and start to create more abundance than you every thought possible.

This course shows you how to reduce, eliminate, and negotiate debt and how to start building your fortune. This course applies to both individuals and small business owners who have the burden of business debt, just as I did. It covers how to work with creditors, how and why you should avoid bankruptcy and how to find money where it seems there is none. Learn all techniques I used to pay off more than £45,000 in credit card bills (in less than 2 years) & saved over £9,937 in interest charges.

How long will it take to learn?

In less than two hours after receiving the pack you’ll shift your thinking from Poor Man’s, debt ridden thinking to Rich Mans abundant thinking. You’ll go from thinking of money as a problem to money as a resource

If you were brought up to believe “money doesn’t grow on trees” or that “you have to work hard for your money” then you’ll soon learn how wrong that belief has been and what affect it has had on you to attract money to your whole life. You’ll break through these barriers and release yourself so that you start making money quickly.

In four hours you’ll not only change your whole attitude to money, you will see money differently, you’ll feel different about money and you’ll hear of more opportunities to make the little bit of money you do have grow more quickly.

In six hours you will know what has happened to your money and how you got into this situation. You’ll know how long it will take you to pay off your debts using my system rather than doing what you are doing right now. This knowledge helps you make the right decisions about your debts.

You’ll know the exact month when you’ll be debt free. You’ll know the exact month you’ll be able to live for 9 months without an income and have the control you desire.

You Can Make Money Even If You Don't Have A Job

In eight hours you’ll have control of your finances and have identified ways for you to increase your income, without working flat-out necessarily (unless you want to), no matter what your current situation.

If your debts have become too much to handle and keep piling up - no matter what you do and how you juggle them - then now's the time to find ways to make more money. In step 5, I’ll share with you how to make money quickly and easily by discovering the barriers to wealth and using the talents you already have.

You’ll even be able to work out the exact month and year that you’ll have made £1million.

DebtFree&Happy Can Help You Fix All Of Your Money Problems

Get out of Debt and Stay out of Debt Forever…and have banks lining up BEGGING you to lend money from them

Simply follow the formula to become DebtFree&Happy:

Part 1 Debt Elimination

• Step one: Know What You Want.

Most people live beyond their means. Learn how to create the life of your own choosing, one with wealth accumulation and debt elimination where you can live for 9 months without earning a penny. Learn what motivates you to take action and get results and use this power to create the wealth you desire.

• Step 2 Examine the Path

Learn the six elements that create a debt-ridden lifestyle and what you can do to rid debt from your life forever. You must learn about the scams that suck you in, and where to find sources of objective advice and proven methods to keep money in your own pocket.

• Step 3 Preparing the Foundation.

To create money you must learn about your sub-conscious response towards money, the deep rooted thoughts and associations you have with money and learn how to tackle it head on with our proven strategies. You re-train your brain to think differently about money by following 5 simple steps.

• Step 4: Working out where the money goes

Learn what mortgage companies and financial institutions don’t want you to know! Learn the comprehensive steps to credit card debt elimination and the simple steps you can take to immediately reduce up to 40% of your credit card charges.

• Step 5 Using Your Power Assets

Learn and acknowledge the three resources that can move you to the next level of success. Identify the barriers and blocks that will stop you from achieving the desired outcome so that you can deal with it as it arises. Learn two powerful tips for becoming DebtFree&Happy quickly.

Part 2: Wealth Creation

• Step 6 Building Your Financial Nest egg

Once your debt elimination plan is in place you can focus on creating abundance in your life. Learn how to ensure your income exceeds your outgoings and the 12 Top Tips to finding extra cash for your investment strategy. Learn how to use your money wisely to make money work for you rather than you working for your money.

• Step 7 Discovering Investment Opportunities that Build Wealth.

Learn to make higher returns on your investments (ROI) than the professionals. Look at every purchase in terms of its ROI. Learn the 7 main investment opportunities our current economic climate presents.

• Bonus Information: 4 bonus CDs that help increase your income through tax savings and special techniques!

Bonus CD’s Include:

1. Financial Abundance & Prosperity CD with Guest Paul R Scheele. Worth over £39.00 this amazing CD uses paraliminal technology, and with the expert guidance of Paul Scheele you‘ll enjoy a 20-minute journey of relaxation aimed at reprogramming the subconscious mind allowing your mind to absorb the positive suggestions you need to live an abundant life. A personal session with Paul Scheele would cost you in excess of £1,000 per hour! The perfect start to your abundant life.
2. 10 Minute SuperBooster; A MindFocus Session with Amanda Clarke focussing on developing an abundance mentality. Designed for those who have little time available to them or want a quick boost and reminder of their internal and external wealth. Your subconscious mind is exposed to the positive suggestions it needs to be grateful for the abundance in your life.This booster programme complements Paul’s financial prosperity CD. Worth £39.00 on its own!
3. Top Tips on Managing Your Money. A guide to being a little more frugal to achieve “debt free” status quickly. Learn some of the key pieces of information that can change your financial position quickly, taking you from the red into the black, including purchases and ways to save money. Just these top ten tips are worth thousands of pounds if used thoroughly.
4. Statistics Around the World. A collation of the debt crisis in the English Speaking economies around the world. Researched personally by Amanda Clarke during her travels to the USA, Europe, Asia, Australia and New Zealand. A genuine look at the global marketplace and how people are changing their thinking in terms of money and debt. In this 20 minute CD you’ll discover what is happening around the world, from the US, UK, Asia and Australasia. A remarkable study of the impact of debt. PLUS Track 2 uncovers the legal system in the UK. This track outlines the definitions and gives an explanation of the different forms of arrangements in the UK. Worth over £75.00

Take action to live the life you really deserve

Are you prepared to sit back and continue to allow others to dictate to you or are you prepared to take action and create the life of your choosing, a life where you are in the driving seat and have full control?

This course offers the following steps that will change the way you handle your personal finances:

• The Art of Conscious Spending and what it does to increase your wealth
• Developing the skill of Focusing – using your energy not to worry about debt but to achieve abundance.
• How to follow the easy, step-by-step proven system of instruction that others have used… and you can too.
• How to avoid Bankruptcy, Voluntary Liquidation or Receivership
• The 7 Key Steps to Financial Abundance (and how to apply them)
• How to Build a Financial Nest Egg, even if you are broke.
• How to minimise expenses without extremely compromising the quality of your life.

So the question you should be asking yourself right now is –

"Do I want to take charge and get in control of my financial situation?"

I can guide you along the fundamental keys to wealth and financial abundance

This programme has an easy to follow format, with key checkpoints along the way.

And best of all I can help you save thousands in interest payments and clear debts in less time than you thought possible.

Results Guaranteed!

We are so convinced that this pack will help anyone in debt, that we guarantee results. Use my system for one year. If you can actually say that you had no results (and this hasn't happened yet) I will gladly return your money.

You can see from your monthly statements how much you are paying in interest alone. Since interest rates can jump dramatically in the course of just a week, this is the ideal time to take action.

Do what you have wanted to do for years – get rid of your bad debts forever!

Order your copy of DebtFree&Happy and let the results speak for themselves.

Wishing you massive success

                                Amanda Clarke
                                Author