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Free Living Will Forms

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Debt-free living isn't something that the banks and finance companies spend a lot of time discussing. It's easy to understand why: loans and credit cards is what makes them money. If everyone paid off their credit cards on time and had no outstanding loans (except perhaps for a house mortgage) then their business would be crippled.



But few people worry about debt these days. There's no cultural impediment to getting a loan anymore. People happily and laughingly discuss their credit card balances with friends and family. It's all viewed as normal. But not so long ago it wasn't normal. Loans were available, yes, but only if you had a hard asset -- a car or a house -- to use as collateral. But debt use is much more casual these days. How many people send themselves on vacation now using borrowed money?

Finance companies make it so easy to get into debt, of course. How many credit card offers with "low introductory rates" have you received in the mail over the last year? How many times has your bank offered to extend you a line of credit based on the equity in your home, even though you haven't paid off your mortgage? How many car companies have offered you low-interest or even no-interest financing in order to get you into one of their vehicles?

Don't follow the crowd and wallow in debt, however. It's hard to live free of debt, but it brings many advantages. The biggest advantage is that it brings peace of mind. When you live within your means and avoid large debt repayments, you'll live a better life. You'll be happier, your family will be happier, your friends will be happier. You'll sleep better. You'll feel better!

It's not easy to switch to a debt-free lifestyle, but it can be done. You start by not incurring more debt -- live within your means by paying with cash and not buying things you can't afford. Then you eliminate your existing debt by freeing up some money and aggressively paying down you debt using the "debt snowball" method.

Once you're debt-free, stay out of debt for the rest of your life. The only exception is your house, since it's nearly impossible to buy a house these days without a mortgage. But do everything you can to pay off the house in a short a time as possible.

It'll take some effort to eliminate your debt, but the way you'll feel once it's gone will make it all worthwhile. Debt-free liiving used to be the norm, but it's a lost art these days. Do your best to recover it!
Free Living Will Forms
So you want the key to better living? It's simple. All you need is more time to do things you really want to do. The question is how to get that. Read on and you'll learn the secrets and shortcuts right now.

As far as food goes, you don't have to cook! I mean you don't even have to microwave. I always figured that if I could have dinner ready in 3 minutes or less that was sufficient, but now I've learned I can eat rich and even eat right with no effort at all. Locate a favorite gourmet takeout. Some cities and areas have a takeout taxi with a group of restaurants being served. Another popular option today, especially for couples and families, is to consider hiring a personal chef. These professionals can come to your home and cook up a storm leaving you with a gourmet smelling home for a night, and great meals with no repeats for a week or even two. Today even your favorite grocer has ready made meals for those on the go or just those without the know-how. Check out the local gourmet deli and takeout for delicious solutions to any craving.

Give someone else your errands. That's right, you can get your dry cleaning picked up and delivered door to door. Many pharmacies also offer delivery, or order online. You can even order your postage online these days, saving those agonizing trips to the post office and missing the chance of a truly postal experience. There are also concierge services independent of the luxury hotel chains that do the same sort of errands, ticket ordering, reservations and such. Giving up the so called ?loose end? activities can really be a time saver.

Hire a maid service or a cleaning person. You deserve it! Surely your time is worth more than the $55-$100 it takes to have someone else spend 3-5 hours a week vacuuming, dusting, polishing, and scouring. Besides, given the choice between spending time with friends and cleaning, I'd be with friends, wouldn't you? If it seems hard to justify because it is just you, have it done biweekly.

Greenery--you've got to have it to add life to every room, but oh the maintenance can be a challenge. It is also an important factor in your house's curb appeal. Call in Blossom Boxes or any other quick fix solution for your live plant needs both indoors and out. They can establish the right mix of plants in attractive containers, and all you have to do is water (or have your maid water inside and your gardener water outside). You'd be surprised at what a difference this will make both visually and physically (plants clean the air), and how inviting your place will look. If you really are reluctant to do live plants, silk is fine, just make sure that the cleaning service of choice knows to spray these monthly with silk floral cleaner (no wiping necessary), so that they don't wind up being dust trees.

The next shortcut for a better life involves hiring a handyman to get those nagging shores done! You know you've wanted to add crown moulding to the bedrooms upstairs, but you haven't got the time or the talent. You know you need the deck restained and sealed. The shower is badly in need of regrouting, ugh. And, you've got to address that leak in the garage. Why not call someone to take care of these chores for you? You don't have to do it yourself; you just need to get it done. There are any numbers of individuals ready to help. You can also use services from online or the yellow pages like Good Neighbor or Service Magic. They guarantee their work and only allow bonded and insured talent. Do you get anxious every time you travel about leaving Fido or Rover home alone? Or perhaps you wrestle them into the pet carrier (often a traumatic experience for you both) and haul them to the vet. Well, no more. Find a pet sitter that you like, who likes your pets and who is preferably bonded and insured. (Check those references, too.) It is much simpler and less traumatic to your pets to be under the care of a trusted pet sitter than to be boarded at the vet every time you travel. You'll also be protecting your pooch's health by keeping him away from the myriad of diseases that circulate at kennels. Most pet sitters will also pick up your mail, water your plants and turn on and off lights for your pet's comfort and so that your house doesn't appear to be uninhabited (a great safety measure!). Worry free travel is hard to come by, but this step can make a big difference.

In part 1 of this 2 part series, we've covered some very useful ways you can delegate the tasks in your life that you don't have time to do (or just don't want to do!). Remember, this is your life, and every minute that you spend doing things that drain you is holding you back from living your best life. In part 2 of this series, we'll cover some additional ideas for streamlining your life by hiring talented professionals to do the things you aren't inclined to do.
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About Author
Both Stephen Losey & Melissa Galt are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Stephen Losey has sinced written about articles on various topics from . Learn to live using proven and techni. Stephen Losey's top article generates over 14800 views. to your Favourites.

Melissa Galt has sinced written about articles on various topics from Interior Design, Kids and Teens and Home Improvement. Melissa Galt is a Lifestyle Designer and Speaker based in Atlanta, GA. She hosts a series of blogs on design tips and trends and produces a monthly ezine dedicated to helping subscribers design their signature life. For the latest teleclasses, seminars, a. Melissa Galt's top article generates over 49500 views. to your Favourites.
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