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You may connect with the author at mailto:
[email protected] Also by Grant F.C. Gillard
An excerpt from
The Banker’s Secret
Financial Solutions to
Your Personal Debt Crisis
and Credit Crunch
With the information in this book,
you will be able to:
- lower your monthly minimum payment
- reduce your finance charges and interest
- manage your debt more efficiently
- take charge of your repayments
- get out of debt sooner and faster
- avoid late fees and missed payments
- discover real prosperity
- attain true financial freedom
- live debt free and enjoy life
- wonder why it took so long for you
to wake up
In our present age, consumer debt is a part of life. Unfortunately, debt is also killing us, draining us of our energy, our freedom and our happiness. Debt is strangling the life from our financial well-being.
And it doesn’t have to be this way. You can still use debt, as many of us still do for many of our consumer purchases. You can still have the convenience of your credit cards. But you have to learn to use debt wisely and pay it back shrewdly. I’ll give you all the details as we get underway. You do not have to find yourself drowning in debt. There is a way out of this mess and it's called the Bankers Secret.
Most of all, I can guarantee the results of this manuscript. If you follow my advice, you will be debt free because this stuff works. The Banker's Secret will carry you out of debt faster than you can imagine. Bear in mind, if you are deep in debt, it will take some time. The Banker's Secret is not a magic wand or some miraculous, supernatural formula to erase your problems. Even bankruptcy cannot erase all your problems, and actually creates a situation that may be worse than paying off your debts.
But this stuff works.
Here is my guarantee: If you put these key strategies into practice, your debt load will diminish. It may take a little time. Miracles do not happen overnight. Let's be honest: the deeper your debt, the longer it will take. But I guarantee these key strategies will work. They worked for me. They work for all the people I’ve counseled, at least those who were willing to keep after this plan, kind of like people who lose weight are those who stick with the diet. It can be done!
This is my promise: stick with the program and you'll be closer to being debt free with each passing day. This is not a “get-rich-quick” scheme or even a “get-rich-slowly” conspiracy. It’s a systematic proposal to lift you out of debt.
This plan has worked for people who finally had enough. They had the intestinal fortitude (“guts”) to wake up and say, “Hey! I’m tired of living with this crushing load of debt. I’m tired of living a crummy life and I’m not going to live this way any more! I’m tired of dreading the mail when it comes because I fear there will be another bill that’s going to rob me of my paycheck. I want to change!”
Let me start out by asking a simple question: Did your boss give you a raise last year? Yeah, most of us got a raise. Did you want a bigger raise than what you received? Did you think you deserved more money? Heck, yeah! Most of us did as well. Do you want a bigger raise this year? Do you want more money to spend? Do you believe you deserve more? Yeah! Me, too!
But what if you work in a business that can’t afford to hand out more raises? What if the economy is dragging down sales so the boss can’t give out higher wages? What if your boss is a jerk and doesn't like you and there's nothing you can do to earn his respect to get a raise?
You want to know how you can still get a raise? Yeah! Me, too! Well here's the secret: if you get rid of the debt and cut off those horrible finance charges that are draining your checking account you will have more money to spend. It will be like getting a raise. That should be powerful motivation to take control of your debt and start managing it more effectively and more efficiently with the Banker's Secret.
And I have to stop and really press this issue: do you know how much money you give away each month in finance charges that accrue on your credit card debt? Really. Do you have any idea? Most of us don’t know and this is part of our problem. It’s like those people who want to lose weight and you ask them if they know how many calories they consumed while zipping through the drive-through to get fast food.
I asked a person that question. She came in for counseling about stress. On top of the stress, she knew she was eating for comfort and she knew she needed to lose weight and couldn’t. At least she claimed she couldn't lose weight, but, come on, we all know losing weight is possible (but hardly easy!).
So I asked this woman about her eating habits. She made up some excuse about not being able to keep track. I asked her what she ordered when zipping through the drive-through. She claimed she didn’t know, but justified her eating habits by saying, “Well, I always order a Diet Coke!”
A Diet Coke can't reverse or negate all the other calories. She had to stop and count all the other calories that contributed to her weight gain. She had to take charge and hold herself accountable.
So again I ask that question: Do you have any idea how much money in interest and finance charges you "gave" the credit card company last year?
Most people don't.
And even if you knew how much money you "gave" them (yes, I use that word "gave" on purpose), what did you get in return for that money? What value did you receive?
The answer is easy: nothing
One of the best ways to begin to live prosperously is to get out of debt. And it’s not the debt that’s crushing us. It’s the finance charges we pay on those debts. Once your debts are paid off, the money that was once going out stays home. It’s just like getting a huge raise in pay and you don’t have to ask that curmudgeonly boss to get it.
In fact, if you pay off your debts you can smugly smile when your boss wants to yank your chain and tell you he doesn't have the money for a raise (even though he likely got a raise from his boss). When you get out of debt, it’s like you're getting a raise despite your boss!
Here’s something I want you to do. For one month, hold on to all your credit card bills and loan statements. After you send in the payment, make a list of all your open charge accounts. Make this list into three columns, the first column for the credit card company or bank, the second column for the outstanding debt you still owe and the last column for how much the finance charge was just for this past month on that debt. For one month, total up the amount of debt you owe, and then total up all the money you paid in finance charges on that debt.
If you take up all your credit card statements, all your loan documents, all your payment books, and total up just the finance charges you paid last year, you are looking at a guaranteed raise in your pay once you eliminate that debt. It’s guaranteed money. What could be simpler?
And I can almost guarantee that if you take a serious look at how much you are spending (literally, "giving away") on finance charges, it will surprise you. I’m hoping it shocks you into action! Thanks to changes in the law regarding consumer debt, most credit card statements now tell you how much interest you have paid on that specific card for the year.
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