I'm sure your answer is yes to this question. Yeah, you may want to loose your debt, but aren't sure exactly how to do this. Did you know that there are a lot of people in the United States who are in more debt today than we've ever been? We're also saving much less! That's right. Even though we make more money we're saving a lot less than our grandparents did! I know you're saying, things cost much more these days. Yes, I know, but we're still spending more, which keeps us from saving the money we should for a rainy day.
In fact, the interest rates that are currently being charged on credit cards average eighteen percent and upward. Ouch! That's a lot of interest to pay for a credit card especially if you don't pay off your balance each month. Of course, your credit card company would like you to keep a balance on your credit card so they can collect interest from you! Remember you're charged interest on your unpaid balance, that's how the credit card companies make lots of money. You say to yourself, what can I do to reduce or eliminate my debt? Well, here are some tips to help you begin your path to financial freedom by reducing and eventually eliminating your debt:
1) Review all of your current billing statements to determine how much you owe your creditors. By doing this, you'll know exactly where you stand with your bills and exactly how much you owe.
2) Look at the highest interest rates you are paying and the balances of these particular credit cards. Based on those balances, attempt to start paying off the credit cards with the highest interest rates first. This will assist you in reducing the amount of interest you are paying to your creditors sooner.
3) Pay more than the minimum amount due on your credit cards! You want to get your debt reduced and eventually eliminated by paying over the minimum balance that the credit card company is requiring you to pay. Remember debt elimination is your goal, so this will help you to work towards that!
4) Make sure to pay your bill on time in order to avoid late fees and extra interest charges added to your credit balances. You definitely don't want to pay your credit card company any more money than you need to! Remember, the more money you keep for yourself, the more you have to save.
5) Don't use your credit cards! That's right, you're trying to become debt free, so you'll need to eliminate or reduce your spending on your credit cards. Yes, I know you'll need one for emergencies. But, that's just it, emergencies only! So don't use your credit card for anything else other that a true legitimate emergency. Your goal is to stay out of debt and to become debt free.
6) You may want to take money from your savings or money market account to pay off your credit cards so you can become debt free or reduce your debt. If you decide to do this, make sure you keep some money in your savings for an emergency or a rainy day!
7) If you think you need debt counseling, then you may want to seek professional help to assist you with reducing or eliminating your debt. Just do some research via the internet to locate a company that specializes in this.
These tips should help you get started on your way to becoming debt free for the future. You'll be glad that you decided to take this crucial step in taking control of your personal finances by losing your debt! Remember, it's important for your future.
Copyright 2006 Nocita Carter
Want To Lose You
The Atkins Diet, created by Dr. Robert Atkins, is based on the theory that consuming too much carbohydrates, especially the refined carbs as those found in white bread, sugar and high-fructose corn syrups, is responsible for the high incidence of obesity-causing metabolic disorders amongst the Western population - and lifestyles based on too little physical activity only adding to the problem of obesity and diabetes.
The other unique feature of Atkins Diet is that saturated fats are not considered the main nutritional culprits - it is the trans-fats found in hydrogenated oils that need to be shunned along with carbohydrates. Thus, Atkins Diet is one that is drastically restricted in carbohydrates and is relatively rich in proteins and saturated fats.
Dr. Robert Atkins formulated the Atkins's Diet sometime in the sixties. The inspiration was an article featured in the Journal of the American Medical Association. Dr. Atkins adapted these ideas to formulate a diet and tried it on himself, and the results were startling. He treated thousands of overweight patients and expounded his diet in a series of books. The rest is history.
The logic behind Atkins's Diet is quite simple: your body fulfills a major part of its energy requirements by burning carbs as fuel. And so, if you deprive it of carbs by substituting them with proteins and fats in your diet, the body would run out of fuel and, therefore, be forced into fat-burning mode (ketosis).
All the energy requirements of the body would then be met with by burning the stored body fat, leading to rapid fat loss and weight loss. When the body is in the state of ketosis, one also tends to feel less hungry and so consumes less calories than what one would normally do.
There are four phases in Atkins Diet: (1) Induction, (2) Ongoing weight loss, (3) Pre-maintenance and (4) Lifetime maintenance.
The Induction phase is the most restrictive phase, with the allowed intake of carbohydrates being restricted to a meager 20 net grams/day. This is required in order to push the body into a state of ketosis. A multivitamin supplement is highly recommended during this initial phase.
In the following phases the intake of carbohydrates is then gradually increased (up to a reasonable amount, though still far lesser than the average carbohydrate consumption), but sooner or later the body gets have used to a low-carbs diet.
Foods Recommended in Atkins Diet
1. High-protein foods such as meat, fish and eggs are a must. However, they must not be breaded, nor should they be consumed along with sauces, which are high in carbohydrates.
2. Low-carb vegetables/fruits are fine too. Some examples of such vegetables are spinach, herbs, celery, radish, sprouts, broccoli, asparagus, cauliflower and Avocado. For a comprehensive list of low-carb veggies/fruits, you can always run a check on the Internet.
3. Cheese - all kinds of cheese can make a part of Atkins Diet. Butter is good too, but you shouldn't go overboard.
4. Olive oil is the preferred choice amongst cooking oils. Trans-fats have to be strictly avoided. But nuts are great.
5. As far as drinks go, Atkins Diet recommends 8 glasses of water a day. Drinks with sugar content are a big no-no - and that includes sugared tea and coffee. Diet sodas are okay though.
6. Psyllium comes highly recommended, as it is rich in fiber.
7. Sugar is out, while sugar substitutes are okay - but must be taken in limited amounts.
Many people follow the Atkins Diet and many results that have been published in esteemed review journals have spoken in favor of this diet, as they haven't observed any serious side effects. But some controversies and questions still remain, e.g., whether it would be suitable for people having kidney problems. So, before latching on to Atkins Diet diet, it is best to consult your doctor first.
Alex Olson has sinced written about articles on various topics from Entertainment Guide, Massage and Fishing. Alex Olson wrote a number of highly popular articles which concern health problems. In them she pays much attention on overweight and diets, especially . Alex Olson's top article generates over 246000 views. to your Favourites.
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