What is the most proficent, non charity milking way to catch up on all your past debts(no bankruptcy)?
June 25th, 2010 | 
Author: I am a construction worker with many past debts. Yes, child support, No license, but I have been struggling for years to do things the wrong way. Please don’t be condescending or critical. This is a very serious matter. For once, I’m trying to do the right thing.
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First; Make no NEW debt, otherwise your just trading old
debt for new debt.
Second;concentrate on paying off the old debt by putting as much as you can against the principle of the oldest bill with the
highest interest rate.
continue until your done….Good Luck
go to a bank
consolidate them at the lowest interest you can
then make the payments
child support should come first, even you have to do a bankruptcy
TRY TO GET BILLS INTO ONE LOAN………..
LOWER INTEREST RATES MEAN FASTER PAYOFF….
Develop the set of skills to operate your life like a business. The chief skill is to account for all, that is one hundred percent, of your cash flow. I started doing this in 2002 writing it down on white-lined paper. I have done it continuously ever since, 365 days a year. I do not put a dime in a parking meter, spend 94 cents for a bagel, or pay an electric bill, without writing it down within a few seconds. I carry a supply of clean white-lined paper and a file box, with file folders in Pendaflexes, in my vehicle at all times. The habit of financial accountability became automatic, sort-of like zipping up before exiting the restroom. You learn a lot about yourself this way, and it is the number-one way to get control of your earning and spending habits to make them work for you rather than against you. Nowadays, I use Microsoft Money on a laptop computer IN ADDITION to the paper records. I got this advice/idea (of course, in not quite the same words) from Robert Kiyosaki’s books, including The Cashflow Quadrant.
this may sound strange
but when you don’t have enough money to pay your bills
give some money to a poor person or a charity
I swear that ever since my husband and I have been doing this our financial gain has tripled. You must understand that we did not really have money to give. But we stepped out and released our money and it came back many times over.
Some people may frown on this but selfishnes and thinking about yourself will never advance you in life. Its when you stop thinking about yourself and step out to help someone less fortunate the money will return back to you-
it sounds like you have spent a life time doing the wrong thing and by focusing on yourself.Try this and you will be surpeised at what comes back.