Subject: {!name} - Determining What Your Current Debt Is

Hi {!name},

Quote: The safe way to double your
money is to fold it over once and put
it in your pocket. - Frank Hubbard

The very first thing that you need to
do to address your current financial
position and reduce and eliminate your
debt is to determine exactly what your
current debt is.

Now this might seem very obvious and
when you ask most people they would
probably say that they know how much
money they owe but more often than not
it comes as a great surprise to them
when they sit down with a pen and paper
to work out exactly what the current
debt actually is.

It is very difficult to remember
precisely how much you owe on so many
different areas of debt and it is only
when you do take account of all the
individual debts and add them up that
you can actually see the extent of your
debt.

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Be prepared for a surprise because that
is what happens most often and it will
give you a really good picture of why
you are struggling to make ends meet
each week and why all the income that
might seem reasonable isn't enough to
cover your outgoings.

So step number one on your debt
management program is to address the
situation.

It is only after you have done this
that you will be able to create a
budget that will help you move towards
eliminating debt from your life.

You will be able to compare your
monthly spending to your monthly income
and that will give you the opportunity
to see how much is left over if any to
start reducing your debt.

When you are making a note of your debt
you must ensure that you put down
everything that you owe even the most
minor of debts because at some stage
they need to be settled and even small
debts that are left unpaid can give you
a bad credit rating.

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Thanks,
YOURNAME
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