A&N Debt Negotiators is a firm that helps both the individual and businessman to get out of debt.  I started  this business after being seriously in debt myself and trying to find a way to legally remove the debt.  I contacted many organizations that wanted me to pay them half of what I owed and could not assure me that they could successfully remove my debt.  I took the Dave Ramsey course from the Financial Peace University which showed me how to make the right decisions with money.  How to get out of debt according to the Word of God and how to remain debt free.   In building this business, I researched other ways in which to assist people in getting out of debt.  In doing so, I have partnered with proven programs that will save you thousands on the interest of your home and cut down the number of years that you’re paying your mortgage.  Programs to save your home from foreclosure so that you can have room to breathe so that you can get a fresh start.  I have been there; I have succeeded in getting out of there.  The motto of my firm is from Romans 13:8 “Let no debt remain outstanding, except the continuing debt to love one another, for he who loves his fellowman has fulfilled the law.”  We also strive to teach people how to stay out of the debt they were once in bondage to.  One way is to be sensible about your spending habits.   Create a budget for your home.  It’s a hard thing to do, but when you do it, your stress level will decrease tenfold. 

1.       Go to the dollar store and buy a little notebook and carry it with you wherever you go. Write down every penny - every single penny - you spend. It's as simple as that. If you do this, you will find something magic happening in your financial life in just a few weeks.

2.       Cut up your credit cards (Yes, you can live without them).  In paying your credit card debt send in payments in addition to your minimum BUT send the extra separate and state that it is to be applied to the principal.

3.       Before you make that purchase ask yourself – Do I really need this?  If no, then don’t buy it.  Impulsive purchases, feel good purchases and I’ve got to have it before anyone else just gets and keeps you further and deeper into the bondage of debt.

4.       Give yourself a short term financial goal.  Work towards reaching that goal of the income you now have (don’t go getting a second gig or selling something to obtain it).  Once you reach that goal, the satisfaction of accomplishment you will feel will far outweigh any sacrifice you experienced in reaching it. (Now putting something on layaway is not a short term financial goal accomplishment and does not count).

For more tips and information you can contact me by visiting my website  www.andebtnegotiators.com, shooting me an email info@andebtnegotiators.com or by calling our office 908-822-7290.

You can also take advantage of the coupon that we are including.  If you want to use this service for yourself or refer someone you are still eligible for the $100 gift card.

Be blessed and most of all be debt free!!!