How to Get out of Debt and Live a Debt-free Life

Bills, bills and more bills. Before you clear the old bills from the previous month, new bills are already stuffed in your mail box. You are living from paycheck to paycheck. You have used up your salary before the next pay day comes. Your credit card bills included late payments penalties. If this sounds like you, then I might have the solution for you. But first, let me share my story. The year 2005 was probably one of the darkest period of my life. I was in debt. I almost had to sell my house to pay for exorbitant lawyer fees to fight a long losing legal battle against the authorities for my justice. Stress lead to health breakdown. Medical expenses. Battled with depression . I quit my job because I could not function. I borrowed money from a few banks. I maxed up the credit limits of a few credit cards. I borrowed from one bank to pay another bank. It was a long difficult journey. I tried every possible way to get out of the shit hole. In the end, I managed to get out of it. I did became debt-free ever since. Out of this painful experience,…