There is an idea floating around out there in the ether. Some folks are actually talking about paying off their mortgages and getting out of debt for good. Poppycock! That’s madness. What is so great about financial freedom anyway?

Face it. Your mortgage, for which you probably broke traffic laws to get to the closing, has become a ball and chain. The dollar amount of your home loan may have actually increased over the years, while the appraisal value may have gone down. This begins to look rather hopeless after a while.

Now, there are some friends of mine who claim that they do NOT want to pay off their mortgage. They say they need the tax write off. I just can’t get my mind to go there. Saving a few bucks on taxes cannot compare to owning your home outright. You must eliminate your mortgage if you really want to build wealth, which begs the question…..how?

The typical comsumer has mortgaged the largest loan he could, right? Didn’t you sit down and figure out your budget with your lender? They have formulas for this kind of thing, and we all went for it. They were right. Your mortgage is probably just the right amount to guarantee that you can make your payments….almost comfortably. By the way, they also know that you will probably be refinancing in the next 5-7 years, and that you will, indeed, never get out from under the beast that is called ” closed-ended loan with front-loaded interest”. It is a killer, make no mistake.

You have GOT to do something about it. So how do you pay off a mortgage? Simple. Just add more money. If you pay down your principle balance, they charge you less interest. If you make just one additional payment per year, you will save 5-7 years of payments at the end of your mortgage. Great. Where am I going to get an extra $1199 this year? You could scrape up $100 per month couldn’t you? Sounds fun doesn’t it? Not.

Suppose you could use someone else’s money? Would that work? Yes, I think it would. In fact, if you could apply $5,000 to principle on your 30 year mortgage, just once, you would eliminate $28,000 in interest charges. Why, if you did that several times, you could pay off your mortgage in a fraction of the time! So, who is going to let you use their money, because most of us don’t have the extra 5 grand sitting around. Ah, but perhaps you do.

See the whole time you are slaving away and making your mortgage payments, you are building equity. Not much at first, but it is happening. You also may have some built in value in your home or elsewhere. This is the beginning of leverage.

The bank has available to you, a completely different kind of credit. It is called “open-ended” credit. It is nothing like your mortgage.

Your mortgage is closed-ended credit. Money only flows in one direction. The Bank’s. You have to make full payments, on time, and you can never ask for them back. The interest is extremely loaded onto the front of the loan, so that the bank gets paid their profit first, long before you actually make progress on your part of the loan. That is why banks have the biggest, nicest buildings in every town or city.

But open-ended credit, in the form of a Home Equity Line Of Credit (HELOC) or a Personal Line Of Credit (PLC) allows you to create real cash flow. Cash flows in and out, and every time it does, the balance in the account changes. The bank can only charge you interest on the actual daily balance. So get the picture here. If you were to borrow 20 dollars today, and pay it back tomorrow, you would only owe interest on 20 dollars for one day.

If you were to borrow, say $5,000, and make a payment to the principle on your mortgage today, and then deposit your $5,000 paycheck tomorrow, what would happen? Well, you would owe the interest on $5,000 for 1 day….about $1.75 – $2.00. But you cancelled $28,000 in interest charges on your 30 year mortgage! Whoa! Does this sound too good to be true? Yes and no.

The fact is, this is just math and money. Neither of them ever sleep. If you do the math right, this idea becomes fact. The problem is, it is a lot of math. You would constantly have to be monitoring your cash flow, expenses, fluctuations, and lifestyle. Life changes all of the time. You cannot just pull a dollar figure out of a hat, and go borrow some money from your HELOC. You could easily get yourself in an expensive financial hole. It would have to be a precise number, and that number would always be changing. Boy, if only there was computer software…….

Did I mention that there is computer software that can help you do this? Oh yeah. There are several companies out there that offer software of different kinds. Some companies are just banks who want to “help” you refinance, some offer a course on how these ideas work, others are legitimate software developers. Most of them charge $3500, so make sure you pick the right one. The big names in the business are: United First Financial, Sydney Financial Group, CMG, Free and Clear, and McCory. More are popping up all of the time.

Do your own research, and make sure that you are not getting stuck with nothing more than a fancy spreadsheet. You want a tool that is responsive and dynamic and flexible with your changing financial tides.

Call these companies at their customer support centers and see how long you have to wait. You want to deal with professionals. You want live customer support for life. You want free updates. You want a written guarantee. But mostly you want the best, most intuitive, interactive, simple to operate system, and not a static piece of software with an owner’s manual. Don’t fall for a 10 year projection on your payments. Keep in mind that the optimum numbers will change as your life happens.

If you do this right, you can be debt free in 1/3 to ½ the time. You will save a fortune in interest payments. You can discover a whole new way of thinking about money, like how to make other people’s money work for you, instead of the other way around. Enjoy.

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Of course, you can’t get debt free if you continue to spend more money than you make. For some people, it is impossible to get out of debt as long as they own credit cards. If you continue spending more than you make, even though you’re trying to get out of debt, you may have to go to this extreme.

One of the most effective methods for many people is to begin documenting everything they do with their money. In other words, keep a journal of your incomes and expenses as if you were a business trying to make a profit. Most people who are in debt find themselves shocked about how much money is going to various expenses when they start journaling their expenditures. You can’t hide from your spending when you see it in front of your eyes.

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Of course, when you get buried real deep in debt and you can’t make payments, the only remaining step may be to get your creditors involved. Your creditors want to make as much money as possible, so they are often willing to work with you to help you to continue to pay on your debt. They may offer you interest rate breaks to help you out of your credit card debt. They are particularly helpful to customers who have had a card for a long time and never been late on any payments.

If that doesn’t work for you, then you may be able to take your debts to your local bank and get some debt consolidation services. If you have a clean credit history and a good job they will generally be willing to provide you with a loan to pay off all of your high interest debts. Then you just have the one loan to make payments on each month.

You may also be able to get help with debt of a financial counselor or a financial advisor who can help you negotiate with credit card companies and arrange for you to make a single payment each month. This single payment will then be split up and mailed to each of your creditors each month. They should also provide you with counseling on how to stop this from happening again so that when you become debt free you will stay out of debt.

To learn exactly how to stop debt to get debt free, stop for a moment and visit also credit card debt advice to achieve a financially sound future to get some good advice on how to find out solutions to credit card debt.

In most states, cash advance lenders cannot garnish your wages. But they can collect outstanding payments through a variety of means. A better option is to work with your lender to create an alternative payment schedule to help you get out of debt.

What Payday Loan Lenders Can Do

When you get your cash advance, you also give the payday lender permission to withdraw your loan amount plus finance fee on your next payday. Even though it may be debited from your account, it is seen as a check.

If you bounce your check with the lender, they will charge you fees as well as your bank. What a lender will do after that depends on your state laws.

In some states, such as Virginia, you can be taken to court and billed for the loan and lawyer fees. However, in states like Washington, you can’t be threatened with criminal charges for defaulting on payment.

Stay Out Of Trouble

Payday loan lenders offer flexible payment schedules to help you stay out of trouble. Your first option is to pay the finance fee and delay principal payment of the loan until your next payday. But you want to negotiate this option before your check comes due.

After three paydays, most lenders will require full payment in accordance with most state laws. However, if you cannot pay the loan, they will develop a payment schedule. It could be something like $50 every month until the loan is paid off.

The worst situation is to rack up late fees and NSF fees, then try to negotiate with your lender. By that time, you are out hundreds of dollars and may be hauled into court.

Prevention Is The Best Option

Prevent getting behind on your payments by making your loan payment your first bill due on payday. Payday loans are great for getting through financial emergencies, not for long term debt. If you do need credit for a longer period, look into opening a credit card.

See my recommended Cheap Payday Loan companies online.

Carrie Reeder is the owner of ABC Loan Guide, which offers help with loans for people with bad credit.

When someone is applying for health coverage the first thing that the company will look at is whether or not that person is a healthy individual. This can be determined by the applicant’s age, family medical history, and current health status. A young person is more likely to qualify for low cost insurance than an elderly person because they are less likely to get sick as often. An individual’s family history can also be an indicator of the possible development of problems such as diabetes, cancer, or other major medical problems. Also, if you have preexisting medical conditions you can be denied for any health benefits at all. These factors you may not be able to control, but others you can.

The type of lifestyle you lead and the personal choices you make can determine your qualification or disqualification for inexpensive health insurance. For instance, any personal habits that you may have that are considered unhealthy, such as drinking, smoking, or recreational drug use greatly reduce your chances. Also, if you have a high risk job that places you in danger on a consistent basis you will be much less likely to receive these lower rates if you are granted coverage at all. Another lifestyle choice that can affect your coverage is the way you spend your recreational time. Someone who enjoys reading or playing chess in their spare time is much more likely to have low cost insurance than a person who enjoys sky diving, motor biking, or base jumping.

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The final factor that I am going to discuss is your credit score/rating. A low credit score can not only affect your interest rates on large purchases, but in recent years insurance providers have been using it to determine coverage costs and qualifications for applicants. These companies believe that there is a correlation between being careless with your money and being careless with your health. The more irresponsible you are with your body the more likely it is that you will have the need to file more claims. The more you take care of your finances, the more likely you are to take care of your body, and the less likely you will be to file a multitude of claims. Also, the ability to cover any premiums or deductibles is a concern with a low credit rating because of other financial obligations you may already have.

There are many things that you should consider when researching the best ways to get affordable health insurance, but the items that I have discussed in this article address your ability, or possible lack thereof, to qualify. Your personal health, lifestyle choices, and credit score can all have an affect and now that you have read this article you should be able to shop for inexpensive health insurance knowing what to expect.

You can visit the Inexpensive Health Insurance for All website for more tips and information on inexpensive health insurance.

Even though the health insurance market has seen a dramatic shift away from indemnity plans (due to higher costs), these plans are still often referred to as the more traditional form of health insurance since they have been around the longest.

For indemnity health plans, individuals typically pay a predetermined percentage of medical care costs (called co-insurance) and the insurance company pays the balance. A common indemnity plan is an 80/20 plan, where the insurance company pays 80% and you, the insured, pay 20%. Your insurance company will only make payment in accordance with the “usual, customary, and reasonable” (UCR) fees as determined, which are based on what health care providers charge in your area for a given service. Of course, if your individual health insurance plan has a deductible, this must be met first before this pay structure kicks in.

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Depending on your indemnity health plan, you may be required to pay for services upfront and submit claims for reimbursement directly from the insurance company, as opposed to your provider directly billing your insurance company for services.

While an indemnity individual health plan allows you much freedom in terms of provider and medical facility choice, this freedom does not come cheap. The cost can vary as to how much of a deductible you have and your out-of-pocket limit. As you might expect, as your out-of-pocket expenses increase (deductibles, co-pays, co-insurance), the cost of your health care premiums go down. Even so, this is one of the more expensive types of individual health insurance plans out there.

Additional individual health insurance plans are managed health care plans, like HMOs (Health Maintenance Organizations), PPOs (Preferred Provider Organizations), and POS (Point of Service) plans.

Managed health care plans have become the most popular form of health care coverage offered in the United States today. One of the reasons that managed care plans have become so popular is because of cost. Indeed, as health care costs continue to rise at double digit increases year after year, those looking for the most affordable individual health plans available more often than not choose managed care plans, as they are the least expensive.

Managed health care plans are plans work off the basic premise that health care costs can be better controlled by controlling access to health treatments and services. While this may be true and works to keep costs down, from a patient’s perspective, it can be difficult to get approval for health care that goes beyond basic preventative care. You will need to see doctors within the HMO network and any specialists that you do see will need to be by referral. This loss of freedom is the trade off you must accept in return for more affordable individual health insurance plans.

To be continued in Every Thing You Need to Know about Individual Health Insurance Plans (Part II).

Jonathon James has been working in the health industry for nearly twenty years. To view additional articles and resources related to individual health insurance plans, please visit LearningAboutHealthInsurance.com

You’ll have to

* know your current personal financial situation
* estimate how your financial situation will develop in a short term perspective
* set long term financial goals, make a plan to achieve them and then execute your plan.

Get a view of your current financial situation

Collect accurate information about your personal financial situation. Calculate your your net worth, This information includes:

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* real estate
* saving and retirement accounts
* stocks and bonds
* all other assets.

What is the total? Are you surprised?

Make a budget

A personal budget is information made up of your income and expenses and the more accurate this information is, the more likely you are to be able to meet your goals and realize your dreams. An income/expenses budget should be made for at most one year at a time and include a list of your monthly expenses. All expenses must be included. To be sure of that go through all your paid bills, check register and credit card receipts to find expenditures that recur every month and expenditures that happen less frequently. Divide that total by twelve and you have your monthly average expenses.
To be able to make good personal financial decisions and set priorities, you must know where your money is actually going.

Get electronic bill pay

This is a very convenient way to pay your bills. You pay them electronically, by direct withdrawal from your bank account. The transaction is processed immediately. You can even link your bill pay service to your budget, so that your expenditures are automatically entered in the appropriate category.
Personal financial management can be really easy, don’t you think? Check out programs for enabling this on the internet

Make an investment and finance plan

Now that the fundamental state of your personal financial security has been established, the time has come for the more prosperous part of your personal financial life. What I mean is

* investments
* retirement planning
* loan shopping
* other ways to build a fortune.

You need to make a plan of what you really want in life that money can buy. Then you must find out how to get the money it takes to finance it and finally start to implement this plan. This is the long term part of your financial life – the process of personal financial development from the state you are in right now – to the state you want to be in. This journey toward financial freedom is in my opinion the most interesting and exciting part of personal financing you can have.

Terje Brooks Ellingsen is a writer and internet publisher. He runs the website 1st-Self_Improvement.net.

Terje is a Sociologist who enjoys contributing to the personal growth and happiness of others. He tries to accomplish this by writing about self improvement issues from his own experience and knowledge. For example, personal finance and relationship fortune.

Go local
Shopping at the big stores can be expensive. These supermarkets tend to dominate the surrounding area and push out local competition. For example, Tesco allegedly has a policy of buying up all the old land in local town centres to prevent other competitors from squeezing its margins.

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Fortunately some local shops still survive. The local butcher and grocers are a must if you intend to find bargains. Don’t expect to find lovely straight carrots or perfectly shaped bananas. Instead you will find cheap, honest food, sourced from the local area. Not only is this produce fresh but it also puts money back into the community.

Take it online
Everyone loves a bargain but unfortunately you are never guaranteed one in the shops. There are certain times of the year, such as at Christmas, when you can expect many products to be discounted. However, if you need a bargain here and now why not try online. This becomes even more relevant when you consider the cost of petrol these days.

One of the most obvious stops is the money comparison sites. These sites compare products and services across the range. Be warned as not all of these sites offer any real discount. For example, there are many cases where you can get cheaper insurance by going direct to the seller.
The savvy surfers can also save themselves money by checking online vouchers or discounts for their normal high street shops. Often a store will highlight any in-store promotions online. This is useful to know as the spotty teenager serving you in the store is highly unlikely to be aware of any particular promotions.

Price Wars
Always keep an eye on the news for a bargain. It seems like every winter all the gas and electric companies are fighting for our money. You may not have realised when you think back at all the prices increases. Nevertheless, over time these companies start to reduce their prices in competition between each other. Go to an energy comparison site and see which energy company can beat your existing bill.

Back In The Home
There are literally thousands of small tips and tricks that our grand mothers’ could teach us in order to save money. I don’t really want to go through a lot of these but simply want to draw focus to the obvious. Don’t waste food! It might seem so simple but things like not throwing items out of your fridge once they have reached the “Best before date” will save you an absolute fortune. You should however bin everything that has passed the “Use by date” as this is an official government warning. Nevertheless, items such as pasta are edible far beyond the use by date so just use common sense.

Go Back To Basics
Something else that can save money is to grow your own vegetables. This might not be for everyone as not all of us have gardens. Nevertheless, you can grow your own veg in pots. So no excuses! At the time of writing it was August, so this is not the planting season. This is however a good time to plan your garden for next year. You can plant some seeds as early as February. In the mean time you can prepare the ground. Don’t forget you can also grow herbs in doors throughout the year.

Paul Tom works for Getmetopayday.co.uk which promotes Payday Loans. These are short-term loans that give you a cash advance when you are short of cash.

There are many reasons why you should seek the help of a debt consolidation counselor. Although many people feel like they can handle their financial problems themselves the truth is if they were financial wizards or astute with their money and watched their spending habits then they wouldn’t need the help of a financial counselor to begin with. Whether or not you fall into that category doesn’t really matter. The focus of this article is on the use of a debt consolidation counselor and the benefits they offer to eliminate your debt safely and easily.

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A debt consolidation counselor is a trained individual who can thoroughly examine your current financial situation and determine the best possible debt relief plans that will prevent you from falling further into debt while paying off your current bills. Rest assured that a debt counselor is an experienced specialist who has probably helped hundreds of families and consumers in the same financial situation as you. Your debt relief counselor also has the huge benefit of access to many institutions and services that provide debt consolidation assistance through funding and information. Your counselor should also represent you on your behalf to your creditors in order to obtain lower interest rates and a user-friendly repayment plan with flexible terms. The bottom line is through the use of a debt consolidation counselor your debt consolidation process will be much quicker and less stressful.

As with anything you will need to exercise some caution when hiring a debt consolidation counselor. As mentioned earlier in the article there are some counselors that are not trustworthy and can actually hinder your process to get out of debt. The best way to find a top debt consolidation counselor you can trust is to check the background of the consolidation company they work for. Always make sure the debt consolidation agency is an accredited agency and make sure you utilize the services of the Better Business Bureau in order to see if there are any legitimate complaints against the debt consolidation company you are thinking about seeking help through. Additionally you can check with your local bank to see if they have any recommendations for a reputable debt consolidation company or counselor that you can use to help you fix your current financial mess.

If you find yourself in a mountain of debt and feel the stress mounting with each nasty phone call from your creditors or debt collectors then don’t feel bad about using a debt consolidation counselor. Don’t worry about seeking out their help and guidance. As long as you spend a little bit of time doing some background checks and research you can feel comfortable in knowing that the counselor you hire to help alleviate your financial woes will be trustworthy and make life a whole lot easier for you.

Timothy Gorman is a successful Webmaster and publisher of Debt-Relief-Solutions.com. He provides more debt consolidation advice, solutions and information on hiring a debt consolidation counselor that you can research in your pajamas on his website.

But cleaning your credit? Who ever heard of such a thing. Sure it can be done but why? Why should you have your credit cleaned? What does that even mean? Well it means that you have hired a professional company to go through your credit report with a fine tooth comb and find not only things that are not correct but also they will go through and get those items fixed. So really cleaning your credit is the same as fixing your credit.

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As for why you should have this done, well that is simple. Do you know everything that all three of the credits reporting agencies have listed about you? Are you sure it is all correct? Are you getting the good credit that you deserve for all the times you have paid on time and for all the things that you have paid off?

Not only can you have your credit cleaned but just like all the other things that you clean in your life it should be done. Your credit could have cobwebs. I know this may seem strange but when you think about the fact that there could be things on your credit report that you may not even be aware of. So when you consider how much having good credit means then yes you should definitely clean your credit.

The best way to get started cleaning your credit, is to check out credit restoration companies. There a lot very reputable credit repair companies out there ready to help you clean your credit. It is easy to find them all you have to do is perform a search using your favorite search engine. You can ask your friends and family. It is surprising how many credit repair companies there are out there.

When you do start researching credit repair or fixing your credit, you will surly find that more people then you knew are using these companies. A lot of people have used Lexington Law Firm and have had great success improving their credit rating. They now know the secret of having a much richer life without having to pay more for it.

Once you are finished having your credit cleaned. Your life will be so much better. Getting a loan will be easier not to mention cheaper. Think about the difference in the interest rate you will be able to pay. And you can even get a house. With good credit everything is easier. You will be able to be confident when requesting a loan that you will be accepted. You will be able to handle to bumps in life that sometimes require credit.

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Child care subsidies and public health insurance can help with closing the gap between low income and what it takes to make ends meet. Not all low-income families receive the benefits for which they are financially eligible. Families who receive multiple work supports can lose assistance before they reach self-sufficiency. Single parents often struggle with buying basic necessities and paying bills and usually live paycheck to paycheck. Single parents often do not have any savings and are in debt. Here are 10 easy ways for single parents to save money:

In 2006, according to the US Census Bureau, there were approximately 14 million single parents in the United States, and those parents are responsible for raising 21.6 million children. Eight three percent of single parents are mothers and 30.3 percent of all single parents receive public assistance.

Child care subsidies and public health insurance can help with closing the gap between low income and what it takes to make ends meet. Not all low-income families receive the benefits for which they are financially eligible. Families who receive multiple work supports can lose assistance before they reach self-sufficiency. Single parents often struggle with buying basic necessities and paying bills and usually live paycheck to paycheck. Single parents often do not have any savings and are in debt. Here are 10 easy ways for single parents to save money:

1. Buy a Used Car. Buy or trade in your current car for a used car with a cheaper note. This will either eliminate your car note or save you $50 to $200 a month on your car payment.
2. Use Coupons. Buy whatever items are on sale or buy items with coupons. This can save you $50 to $300 a month. There have been instances where shoppers had a total bill of $200 and ended up paying $5 using coupons and buying items on sale.
3. Buy Generic. Buy everything generic: household items, clothing, prescriptions, toiletries, dry goods, canned goods, paper products, etc. This will save you on average $5 to $50 a month.
4. Buy Washable Clothes. Buy clothes that do not require dry cleaning. This will save you on average $50 to $150 a month.
5. Image. Do you own hair and nails and buy your makeup from the drugstore such as CVS or Riteaid. This will save you on average $40 to $100 a month.
6. Gas. Buy regular gas for your car unless the owner’s manual suggests otherwise. Find the cheapest gas in your neighborhood to purchase. This will save you on average $.05 to $.20 per gallon.
7. Shop at Discount Stores. Buy household items in bulk such as paper products, cleaning supplies at discount stores such as Target, Walmart, Costco, etc. This will save you on average $5 to $50 a month.
8. Reduce expenses. Reduce or cancel your cable plan, cell phone or internet service or get the cheapest plan available. This can save you $20 to $100 a month.
9. Buy groceries at superstores. Buy your groceries at superstores or wholesale stores such as Walmart, Costco, Sam’s Club, etc. Buy nuts, grains, spices, legumes at wholesale or health food stores. This will save you $30 to $200 a month on processing costs charged at regular grocery stores.
10. Fun with Kids. Check your local library or newspaper to find free activities that you can do to with your kids. This can save anywhere from $5-$100 a month.

For more ways to save money visit www.stretcher.com or www.budgetdial.com

Harrine Freeman is a speaker, personal finance expert and the author of, “How to Get Out of Debt: Get an “A” Credit Rating for Free Using the System I’ve Used Successfully with Thousands of Clients.

She is the CEO of H.E. Freeman Enterprises, a credit repair and personal finance services company. She is a member of the American Association of Daily Money Managers, SPAWN, Toastmasters, AAUW, National Association of Women Writers, IEEE and the Women Network.

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1. Buy a Used Car. Buy or trade in your current car for a used car with a cheaper note. This will either eliminate your car note or save you $50 to $200 a month on your car payment.
2. Use Coupons. Buy whatever items are on sale or buy items with coupons. This can save you $50 to $300 a month. There have been instances where shoppers had a total bill of $200 and ended up paying $5 using coupons and buying items on sale.
3. Buy Generic. Buy everything generic: household items, clothing, prescriptions, toiletries, dry goods, canned goods, paper products, etc. This will save you on average $5 to $50 a month.
4. Buy Washable Clothes. Buy clothes that do not require dry cleaning. This will save you on average $50 to $150 a month.
5. Image. Do you own hair and nails and buy your makeup from the drugstore such as CVS or Riteaid. This will save you on average $40 to $100 a month.
6. Gas. Buy regular gas for your car unless the owner’s manual suggests otherwise. Find the cheapest gas in your neighborhood to purchase. This will save you on average $.05 to $.20 per gallon.
7. Shop at Discount Stores. Buy household items in bulk such as paper products, cleaning supplies at discount stores such as Target, Walmart, Costco, etc. This will save you on average $5 to $50 a month.
8. Reduce expenses. Reduce or cancel your cable plan, cell phone or internet service or get the cheapest plan available. This can save you $20 to $100 a month.
9. Buy groceries at superstores. Buy your groceries at superstores or wholesale stores such as Walmart, Costco, Sam’s Club, etc. Buy nuts, grains, spices, legumes at wholesale or health food stores. This will save you $30 to $200 a month on processing costs charged at regular grocery stores.
10. Fun with Kids. Check your local library or newspaper to find free activities that you can do to with your kids. This can save anywhere from $5-$100 a month.

For more ways to save money visit www.stretcher.com or www.budgetdial.com

Harrine Freeman is a speaker, personal finance expert and the author of, “How to Get Out of Debt: Get an “A” Credit Rating for Free Using the System I’ve Used Successfully with Thousands of Clients.

She is the CEO of H.E. Freeman Enterprises, a credit repair and personal finance services company. She is a member of the American Association of Daily Money Managers, SPAWN, Toastmasters, AAUW, National Association of Women Writers, IEEE and the Women Network.

For more information on how to get out of debt or to buy her book please visit http://www.hefreemanenterprises.com She can be reached via email at hfreeman@hefreemanenterprises.com