ChristianPF Debt Help Articles

Are you looking for ways to get out of debt? Well, I think you have come to the right place. These articles focus on debt elimination techniques, getting out of credit card debt, minimizing debt damage, and other ways to get out of debt.

7 steps to get out of debt
The 7 steps that I am going to take you through are things that my wife and I have done to pay down our debts. Each article is fairly long, so you can feel free to bookmark it and come back later or you can download it as an ebook. If you are serious about getting out of debt, I recommend that you read each article, even though the first two are a bit less practical than the last five. I believe that they the first two include the keys to successfully getting out of debt.
The 7 Steps to getting out of debt

Getting out of Debt (Step 1) – Realize it is not about you
Getting out of Debt (Step 2) – Open your mind
Getting out of Debt (Step 3) – Create a balance sheet
Getting out of Debt (Step 4) – Quit over-spending
Getting out of Debt (Step 5) – 15 ways to cut expenses
Getting out of Debt (Step 6) – Make sacrifices
Getting out of Debt (Step 7) – Snowball your debt

If you go through these articles and just do some of the stuff mentioned, you are going to be in much better financial shape than you were before. But, I recommend that you sit down with each article and really spend some time with it. The last five articles are going to require some actions on your part. So, spend a couple weeks and make getting out of debt your new hobby and work hard at it! You will be rewarded for your efforts!

Other resources to help you get out of debt

I have written quite a bit about debt on this site, since I have been trying to break my way out of it myself. These are a few other articles that might be worth reading…

Why you should get out of debt
Debt Snowball Software
How to negotiate with credit card companies
The Bible and Debt
Bankruptcy and the Bible
Reducing credit card interest rates
How to control spending
Learn how to say NO to yourself!
How to make a budget
Christians and Debt
6 Tips for a debt free Christmas
Money doesn’t solve money problems
How to quit spending more than you make
29 tips on getting out of debt from the readers
If you want to get out of debt you need Gazelle Intensity!
A good debt reduction strategy
My thoughts about credit card use
Money Mistake: Not paying attention to interest rates!

and if you still need some more articles about getting out of debt you can scroll down for more…

Remember, while I think you should read as much as you can to become informed, it isn’t about how much you learn, but how much you apply. So read up, learn how to do it, and get after it!!

Should You Get a Second Job to Pay Off Debt?

11.13.2010 by Jason Price 7 comments
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I’ve seen the unfortunate story all too many times when there just isn’t enough income to pay all the bills each month and make significant progress in paying off debt. It leaves people in a seemless hopeless state and they ponder bankruptcy, debt settlement, giving up and more…

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Why Refinance A Car? To Save Money!

11.08.2010 by Bob 5 comments
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I haven’t had to think about refinancing a car loan in quite a while. We paid off our last car probably 3-4 years ago and I much prefer driving a paid-for car than a new and shiny one. But if you don’t have all your debt paid off yet, it could be another tool to help you reach your goal faster. Just like refinancing a house can make sense if interest rates drop, the same can be said for refinancing a car loan…

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What Factors Influence Your FICO Score & Why It Doesn’t Matter

11.04.2010 by Guest 11 comments
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Many aspects of finances are widely misunderstood, especially in the greed-filled and deceitful society we live in today. One prominent part of finance in this country, the FICO score, is also one of the most misrepresented. My hope is to help clear up the mystery that is FICO by explaining what it is determined by, what it determines, and why it does not (really) matter…

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Success Story: Tithing and Paying Off A House In 5 Years

10.25.2010 by Guest 20 comments

In 2005 I began tithing regularly. I got introduced to the concept that all things belong to God and I am merely a steward. At the time I had been renting an apartment for two years and finally I decided to get a place to my own. I turned 30 that year and somehow my life’s priorities were changing both in the material and spiritual sense…

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Should You Sell Your House to Pay Off Debt?

10.13.2010 by Joe Plemon 17 comments
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“Help!” you are crying. “My debt load is weighting me down so much that I am considering selling my house to get rid of it. Should I?” Although I appreciate your willingness to sacrifice in order to dump debt, selling your house may not be the best way. Ask yourself the following question: Why am I in debt?

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How to Start a Budget: Things I’ve Learned The Hard Way

09.23.2010 by John Frainee 10 comments
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Budgeting isn’t always easy. In fact, it’s very difficult if you’ve never consistently stuck to one. When Courtney and I (John) first started budgeting, the only thing we could do is follow vague percentages and use a lot of trial and error. We had no idea how to start a budget and as a result the first few months didn’t turn out so well. However, we learned a lot of things along the way…

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Good Debt or Bad Debt | The Crayola Approach

09.01.2010 by Craig Ford 9 comments
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I recently bought a pack of 64 crayons for my daughter. I had no idea there were so many colors. Back in my day, the world of colors consisted only of a handful of primary colors. But with the help of…

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Key Performance Indicators For Your Finances

08.30.2010 by Jason Price 2 comments
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Whether you’re driving a car, or you are the CEO of a major corporation, you use key performance indicators (KPI’s) to get an understanding of the state of things. Personal money management is no different. You need to watch KPI’s regularly so you know you’re making forward progress on your journey. It can also be important to monitor them to insure you’re not endangering your financial situation and your ability to achieve financial goals…

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What You Need to Know Before You Get a Student Loan

08.18.2010 by Jason Price 7 comments

College is getting ready to start for many students. If you’re a new student, by now you know whether or not you’re going to take out a student loan or not. If you’ve made the decision to get a loan to start college, there are some things you need to know. Thinking back several years ago, I didn’t really have a…

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How To Discourage Yourself From Overspending

08.11.2010 by John Frainee 8 comments
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Are you one of those people who have a difficult time keeping the cash in their wallet – you go to the store intending to buy one or two things and walk out with twenty? If you’re a chronic over-spender, here are a few tips and tricks on how to discourage yourself from the habit…

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