NOW IT'S ON THE FRONT PAGE!!!

Rewind 18 months. You come home and check your mail box. Inside the box you have 8 pieces of mail. As you look through it you realize that in your hand you hold 3 solicitations from your local insurance agents and five 0% credit card offers. You think it is extreme but simply shred and dispose. Down the street, a neighbor with a 450 credit score receives the same mail you did. Around the globe one of Dave Ramsey's listeners checked his box and found a credit card offer for Toby Cocker, his DOG!

Fast forward back to Sunday, December 13, 2009. If you lived in Tennessee you opened your local "Tennessean" news paper to see THIS article on the front page.

First I want to thank Naomi for the research done to write this article. A year and a half ago the large majority of the nation had no idea of the nonsense going on in the financial industry, today it is making the front page of Sunday news papers. For those of us that have been working a plan such as Dave Ramsey or Larry Burkett, this news doesn't really effect us other than it might make us focus a little more. However, if you were someone just floating along, being normal, it might make you check with your card provider...or providers to find out about your rate. The truth is America had become very trusting of their banks and credit card providers. We believed that they would honor the fixed rates they provided us with and would not dare charge us a yearly fee for the ride. Well I would like to thank the banks from the bottom of our hearts. Thank you for waking us up. Sure there are a lot that will continue to float through life and trust you snakes. However, many of us were already awake, and many that weren't are beginning to rise. We have found out that as long as you are in our lives we will always have "Too Much Month."

Many of us have made getting out of debt a new hobby. If there is any advise that I can give it is simply this, do not make getting out of debt a hobby, make it a way of life. I have worked in this industry. They do not care about you. You are a number. They will brain wash their "adviser's," who are mostly just sales people with a financial calculator, to give you every form of debt they offer and show you why you can not live with out it. Truth is they can not live with out you. It is time to take our banks back, our money back, our lives back, and our months back.

Thanks.