30k in debt...working to get these monkeys off my back!

naewnse · 09-22-2009, 09:39 PM

Hello Warriors,

Student loans, student loans, student loans...and a personal loan!

This is the story of my life right at the moment. I went to college to become a RN and came out with a ton of debt. I love my profession without a doubt but the hassle of my debt is turning me into a psych patient!!!

I joined this forum after buying from Bryan Kumar. He seems to have a great reputation around here.

I don't really know how to get a start but I've been looking around and checking out fellow warriors.

My plan is to become debt free as quickly as possible and enjoy life. I just want FREEDOM!!!

I'm looking for a great start. If anyone has any suggestions feel free to comment or send me a PM!

Thanks

Jillian Slack · 09-22-2009, 10:49 PM

Welcome to the forum!

Yeah, that's quite a monkey on your back. But there are plenty of success stories here that should help you see the light at the end of that tunnel.

I noticed this is your first post. Have you spent some time just scrolling through and reading posts? That's the best way to dive in. I spent a couple of weeks here, scrolling and reading, before I ever posted.

But don't let it make you feel overwhelmed. It's easy to start feeling that way when you see all of the possible ways to make money and all of the different programs.

bbenson19 · 09-22-2009, 11:54 PM

Welcome to the forum. Don't focus on where you are right now, but focus on where you want to be. You'll be able to surpass that. It's only temporary. Good luck!

Voasi · 09-23-2009, 12:09 AM

Start a website about becoming an RN and all the benefits, struggles and joys you have. Then have an affiliate link to a nursing site like Nursing Jobs Online - Find Nursing Jobs at Nursing Jobs.org or something (i don't think they have an affiliate program, but they're an affiliate to someone else...just find out who and then promote that program).

The nursing field is pretty big so you can definitely make some money there. You could even write a little mini report on shortcuts to becoming an RN and sell it using Myspace/Facebook to kids that are 18/19/20 looking for a career, etc.... I could go on and on...

Point is, there is a whole bunch of ways to make money online. My biggest recommendation though is to try and setup a residual program, something that pays you month after month with you doing minimal work, like a membership website you create.

Jason_V · 09-23-2009, 12:32 AM

You may be interested in fellow Warrior Amy Bass. She had $72,900 in debt and used IM to pay it all completely off. Here's a link to her blog:

My Debt Free Goal

If you're looking for another great way to build up some mini-sites that can make you good money, I suggest you check out fellow Warrior Josh Spaulding's site. You can get his $5 Mini-Site Formula guide for free just by submitting your name and email. It's a very good guide on how to get a nice little income coming in from niche sites that is very easy to follow and step by step. You can get it here:

http://ez-onlinemoney.com/blog

Another suggestion, the Rhodes brothers are running a great WSO on getting out of debt too. It's right here:

Build Your Own $50/Day "Mini-Business Cash Machines" With This Simple System...

HTH

Bryan Kumar · 09-23-2009, 12:08 PM

naewnse,

Which product did you buy from me?
Also, can you tell me which date (roughly) you got it on?

Thanks,
Bryan

Andyhenry · 09-23-2009, 12:31 PM

Welcome to the forum,

You're right - Bryan has a great reputation and is definitely someone people should pay attention to.

When I started in IM I was in your position (well actually a bit worse) and had $100k of debt.

The biggest thing you can do is to reframe the way you consider the debt.

I can tell by the way you posted that you already know this, but the fact that you said things like "My debt" and related the debt to being part of your life, tells me you're still on that journey.

Freedom is a nice thing to want, but there are some things you'll need to do:

1 - Rephrase your goal.

Wanting to be DEBT free still focuses on the debt. Wanting 'Freedom' is too generic and it's not something you can easily measure progress towards.

2 - Disassociate yourself from the debt.

This is not YOUR debt. It's just debt. It doesn't define you and it doesn't stop you achieving successes in your life.

3 - Don't try to get away from the debt.

Most peoples natural response is to try to get away from the debt and as with point 1 above, that's like driving by looking in the rear view mirror - it won't get you where you want.

4 - Rather than looking at what you want and telling yourself "I can't have that (because of my debt)", ask yourself "What do I need to do in order to make having that the natural outcome?"

When you ask yourself positive questions that presuppose that getting your goals is possible, your mind will get to work on finding ways to make it happen.

You could even ask yourself "How many ways are there to get from here to there?" and allow yourself to come up with crazy answers that you would normally rationalize away.

Once your mind is open to any and all positive opportunities - you'll start to see them, and they'll even start coming to you like you've suddenly become a magnet for them.

Glad to have you here, make sure you stay and let us know how you're doing and how we can help.

Regards,

Andy

George Wright · 09-23-2009, 01:14 PM

Andy,

If I could put your mindset in a bottle and sell it I would be a rich man.

George Wright P.S. just as soon as my Thank You button comes back you will get a click.

Quote:

Originally Posted by Andyhenry

Welcome to the forum,

You're right - Bryan has a great reputation and is definitely someone people should pay attention to.

When I started in IM I was in your position (well actually a bit worse) and had $100k of debt.

The biggest thing you can do is to reframe the way you consider the debt.

I can tell by the way you posted that you already know this, but the fact that you said things like "My debt" and related the debt to being part of your life, tells me you're still on that journey.

Freedom is a nice thing to want, but there are some things you'll need to do:

1 - Rephrase your goal.

Wanting to be DEBT free still focuses on the debt. Wanting 'Freedom' is too generic and it's not something you can easily measure progress towards.

2 - Disassociate yourself from the debt.

This is not YOUR debt. It's just debt. It doesn't define you and it doesn't stop you achieving successes in your life.

3 - Don't try to get away from the debt.

Most peoples natural response is to try to get away from the debt and as with point 1 above, that's like driving by looking in the rear view mirror - it won't get you where you want.

4 - Rather than looking at what you want and telling yourself "I can't have that (because of my debt)", ask yourself "What do I need to do in order to make having that the natural outcome?"

When you ask yourself positive questions that presuppose that getting your goals is possible, your mind will get to work on finding ways to make it happen.

You could even ask yourself "How many ways are there to get from here to there?" and allow yourself to come up with crazy answers that you would normally rationalize away.

Once your mind is open to any and all positive opportunities - you'll start to see them, and they'll even start coming to you like you've suddenly become a magnet for them.

Glad to have you here, make sure you stay and let us know how you're doing and how we can help.

Regards,

Andy

Andyhenry · 09-23-2009, 01:48 PM

Quote:

Originally Posted by George Wright

Andy,

If I could put your mindset in a bottle and sell it I would be a rich man.

George Wright P.S. just as soon as my Thank You button comes back you will get a click.

Hehe - Thanks.

I've been storing it in my brain, but sometimes some of it leaks out.

Mukul Verma · 09-23-2009, 02:01 PM

That was exactly my motivation after finishing school to start a business besides the job (I was at 35K).

From my experience here is what I suggest

#1 - More money will not solve it alone, learn money management (This skill more important long term)

#2 - You are likely sustaining your life style now. Make a habit that everything you earn goes from IM you put immediately torwards your debt. Money has a way or finding other places if we do not do this.

#3 - Set goals and track. Always know where you are now and each month see where you are not and where you will be tomorrow. This is something I still do til today 7 years later.

#4 - Celebrate - You do not have to do this with big money or any money, but do something to celebrate your progress. This will motivate you to keep going.

Looking back, I think the habits are more important then the money alone when it comes to getting out of debt. I became good at moving big amounts of money, so after the debt, I saved for a condo since I had the habits.

Best of luck!!!!

naewnse · 09-23-2009, 02:28 PM

Thanks Andy for the great advice. Those tips are great and I must add motivational!

naewnse · 09-23-2009, 02:32 PM

Mukul,

I have to agree with the money management part. It seems as if my money is always going where it shouldn't be but I have laid out a financial plan for myself with the help of a professional in this area to help me along the way. With all of these motivating factors and great opportunities I will surely be able to eliminate this debt!

naewnse · 09-23-2009, 02:33 PM

Thanks everyone for all of the suggestions!

naewnse · 09-23-2009, 02:34 PM

Hi Bryan,

I responded to your question in a PM

Thanks

newBum76 · 09-23-2009, 04:21 PM

I hear ya, I owe about 70k in student loans myself!

krishnaGopal · 09-23-2009, 06:03 PM

Hi ! one of the best pieces of advice I can give you is to stick to one method, until you are successful with it ! Most people tend to keep swapping into new ideas because they hear a new one everyday ! I no I do and its bad ! bcos you never end up finishing what you started !!!

Big Al · 09-24-2009, 04:24 AM

Heya mate...

From memory and I could be wrong (sorry if I am) but Amy Bass went from being over $73K in debt (with family) to earning a bucket load of cash in internet marketing.

In fact I still remember her first blog which at the time I thought sucked but now I see that doing something is better than nothing and just getting started is key. Then with daily improvement you can get pay off your debts and earn that 6 figure plus salary.

Check her out for yourself - just type Amy Bass debt into Google or find her here.

Good luck!

Llewelyn James · 09-24-2009, 04:49 AM

Hi there,

When were your debts taken out? If they were taken out before April 2007 you may be able write off the entire amount that's if their on credit cards or personal loans. Many credit agreements taken out before this date do not compaly with the terms of the consumer credit act of 1974 and are therefore unenforceable in a court of law. But it takes time to write off the whole debt maybe a year or more, I doubt however whether it would work for student loans!

If you want more info drop me a line

Llewelyn James

09-22-2009, 10:49 PM	#2
Jillian Slack Advanced Warrior War Room Member Join Date: May 2007 Location: Missouri, USA Posts: 744 Thanks: 24 Thanked 93 Times in 62 Posts Social Networking	Re: 30k in debt...working to get these monkeys off my back! Welcome to the forum! Yeah, that's quite a monkey on your back. But there are plenty of success stories here that should help you see the light at the end of that tunnel. I noticed this is your first post. Have you spent some time just scrolling through and reading posts? That's the best way to dive in. I spent a couple of weeks here, scrolling and reading, before I ever posted. But don't let it make you feel overwhelmed. It's easy to start feeling that way when you see all of the possible ways to make money and all of the different programs.
	YOU NEED A FABULOUS WRITER *NOW*! Ebooks, ereports, articles, blog posts -- http://ow.ly/wrnn Wedding & Bridal PLR Articles: http://tinyurl.com/m5bxg7 OFFLINE CONSULTANTS: Pre-written Twitter / Facebook posts -- http://ow.ly/qdB4

09-22-2009, 11:54 PM	#3
bbenson19 Active Warrior Join Date: Jul 2009 Posts: 56 Thanks: 1 Thanked 3 Times in 3 Posts	Re: 30k in debt...working to get these monkeys off my back! Welcome to the forum. Don't focus on where you are right now, but focus on where you want to be. You'll be able to surpass that. It's only temporary. Good luck!
	Internet Business Opportunity Free Nursing CEU Free Nursing CEU s Earn Nursing CEU Nursing Practice

09-23-2009, 12:09 AM	#4
Voasi AKA: Adam Maywald War Room Member Join Date: Jan 2005 Location: Newport Beach, CA, USA Posts: 631 Thanks: 19 Thanked 37 Times in 32 Posts Social Networking	Re: 30k in debt...working to get these monkeys off my back! Start a website about becoming an RN and all the benefits, struggles and joys you have. Then have an affiliate link to a nursing site like Nursing Jobs Online - Find Nursing Jobs at Nursing Jobs.org or something (i don't think they have an affiliate program, but they're an affiliate to someone else...just find out who and then promote that program). The nursing field is pretty big so you can definitely make some money there. You could even write a little mini report on shortcuts to becoming an RN and sell it using Myspace/Facebook to kids that are 18/19/20 looking for a career, etc.... I could go on and on... Point is, there is a whole bunch of ways to make money online. My biggest recommendation though is to try and setup a residual program, something that pays you month after month with you doing minimal work, like a membership website you create.
	2009 Insider Secrets 44 Secret Techniques to Create $2,862,229 a month! Free Report Here Have a list? Wanna do an Ad Swap?

09-23-2009, 12:32 AM	#5
Jason_V Senior Warrior Member War Room Member Join Date: Jan 2007 Location: , , USA. Posts: 1,398 Blog Entries: 5 Thanks: 94 Thanked 136 Times in 60 Posts	Re: 30k in debt...working to get these monkeys off my back! You may be interested in fellow Warrior Amy Bass. She had $72,900 in debt and used IM to pay it all completely off. Here's a link to her blog: My Debt Free Goal If you're looking for another great way to build up some mini-sites that can make you good money, I suggest you check out fellow Warrior Josh Spaulding's site. You can get his $5 Mini-Site Formula guide for free just by submitting your name and email. It's a very good guide on how to get a nice little income coming in from niche sites that is very easy to follow and step by step. You can get it here: http://ez-onlinemoney.com/blog Another suggestion, the Rhodes brothers are running a great WSO on getting out of debt too. It's right here: Build Your Own $50/Day "Mini-Business Cash Machines" With This Simple System... HTH
	Do You Want to Find Red Hot Offline Prospects That Are Itching to Stuff Checks Into Your Pockets? <Get My New Prospecting WSO Now! "THIS IS BRILLIANT!!! Please raise the price of this Jason...I can't believe this can be had for the cost of today's lunch...Might be best WSO I have ever purchased!" Actual unsolicited testimonial. Get it now: The Best Offline Gold Report You'll Read! Guaranteed!

09-23-2009, 12:08 PM	#6
Bryan Kumar Super Moderator War Room Member Join Date: Jul 2002 Location: USA Posts: 3,546 Blog Entries: 3 Thanks: 66 Thanked 176 Times in 33 Posts Social Networking	Re: 30k in debt...working to get these monkeys off my back! naewnse, Which product did you buy from me? Also, can you tell me which date (roughly) you got it on? Thanks, Bryan
	Crazy, Wacky, INSANE Holiday Warrior Special Offers (WSO): Get My 10 HOT Sellers at Deep Discount --- Be the ONLY 1 on the PLANET to Profit From This! STOP This "Offline Profits" Nonsense Already --- If You HAD to Make Money NOW Or Lose It ALL...

09-22-2009, 09:39 PM	#1
naewnse NAEWNSE War Room Member Join Date: Apr 2009 Location: PHILADELPHA,MS Posts: 5 Thanks: 0 Thanked 0 Times in 0 Posts	30k in debt...working to get these monkeys off my back! Hello Warriors, Student loans, student loans, student loans...and a personal loan! This is the story of my life right at the moment. I went to college to become a RN and came out with a ton of debt. I love my profession without a doubt but the hassle of my debt is turning me into a psych patient!!! I joined this forum after buying from Bryan Kumar. He seems to have a great reputation around here. I don't really know how to get a start but I've been looking around and checking out fellow warriors. My plan is to become debt free as quickly as possible and enjoy life. I just want FREEDOM!!! I'm looking for a great start. If anyone has any suggestions feel free to comment or send me a PM! Thanks

09-23-2009, 12:31 PM	#7
Andyhenry Beware - Straight Talker War Room Member Join Date: Jan 2004 Location: United Kingdom Posts: 5,956 Blog Entries: 16 Thanks: 221 Thanked 1,489 Times in 356 Posts Social Networking Contact Info	Re: 30k in debt...working to get these monkeys off my back! Welcome to the forum, You're right - Bryan has a great reputation and is definitely someone people should pay attention to. When I started in IM I was in your position (well actually a bit worse) and had $100k of debt. The biggest thing you can do is to reframe the way you consider the debt. I can tell by the way you posted that you already know this, but the fact that you said things like "My debt" and related the debt to being part of your life, tells me you're still on that journey. Freedom is a nice thing to want, but there are some things you'll need to do: 1 - Rephrase your goal. Wanting to be DEBT free still focuses on the debt. Wanting 'Freedom' is too generic and it's not something you can easily measure progress towards. 2 - Disassociate yourself from the debt. This is not YOUR debt. It's just debt. It doesn't define you and it doesn't stop you achieving successes in your life. 3 - Don't try to get away from the debt. Most peoples natural response is to try to get away from the debt and as with point 1 above, that's like driving by looking in the rear view mirror - it won't get you where you want. 4 - Rather than looking at what you want and telling yourself "I can't have that (because of my debt)", ask yourself "What do I need to do in order to make having that the natural outcome?" When you ask yourself positive questions that presuppose that getting your goals is possible, your mind will get to work on finding ways to make it happen. You could even ask yourself "How many ways are there to get from here to there?" and allow yourself to come up with crazy answers that you would normally rationalize away. Once your mind is open to any and all positive opportunities - you'll start to see them, and they'll even start coming to you like you've suddenly become a magnet for them. Glad to have you here, make sure you stay and let us know how you're doing and how we can help. Regards, Andy
	Twitter With Me - Andy on Twitter Turn To Andy - marketing, blogging and success info shared openly.

09-23-2009, 02:01 PM	#10
Mukul Verma Hangin out at WF is Work War Room Member Join Date: Apr 2009 Location: Toronto, Canada Posts: 630 Blog Entries: 1 Thanks: 33 Thanked 46 Times in 41 Posts Social Networking Contact Info	Re: 30k in debt...working to get these monkeys off my back! That was exactly my motivation after finishing school to start a business besides the job (I was at 35K). From my experience here is what I suggest #1 - More money will not solve it alone, learn money management (This skill more important long term) #2 - You are likely sustaining your life style now. Make a habit that everything you earn goes from IM you put immediately torwards your debt. Money has a way or finding other places if we do not do this. #3 - Set goals and track. Always know where you are now and each month see where you are not and where you will be tomorrow. This is something I still do til today 7 years later. #4 - Celebrate - You do not have to do this with big money or any money, but do something to celebrate your progress. This will motivate you to keep going. Looking back, I think the habits are more important then the money alone when it comes to getting out of debt. I became good at moving big amounts of money, so after the debt, I saved for a condo since I had the habits. Best of luck!!!!
	FREE VIDEO MARKETING REPORT: 101 Sites To Market Video for FREE, Video Marketing Report

09-23-2009, 02:28 PM	#11
naewnse NAEWNSE War Room Member Join Date: Apr 2009 Location: PHILADELPHA,MS Posts: 5 Thanks: 0 Thanked 0 Times in 0 Posts	Re: 30k in debt...working to get these monkeys off my back! Thanks Andy for the great advice. Those tips are great and I must add motivational!

09-23-2009, 02:32 PM	#12
naewnse NAEWNSE War Room Member Join Date: Apr 2009 Location: PHILADELPHA,MS Posts: 5 Thanks: 0 Thanked 0 Times in 0 Posts	Re: 30k in debt...working to get these monkeys off my back! Mukul, I have to agree with the money management part. It seems as if my money is always going where it shouldn't be but I have laid out a financial plan for myself with the help of a professional in this area to help me along the way. With all of these motivating factors and great opportunities I will surely be able to eliminate this debt!

09-23-2009, 02:33 PM	#13
naewnse NAEWNSE War Room Member Join Date: Apr 2009 Location: PHILADELPHA,MS Posts: 5 Thanks: 0 Thanked 0 Times in 0 Posts	Re: 30k in debt...working to get these monkeys off my back! Thanks everyone for all of the suggestions!

09-23-2009, 02:34 PM	#14
naewnse NAEWNSE War Room Member Join Date: Apr 2009 Location: PHILADELPHA,MS Posts: 5 Thanks: 0 Thanked 0 Times in 0 Posts	Re: 30k in debt...working to get these monkeys off my back! Hi Bryan, I responded to your question in a PM Thanks

09-23-2009, 04:21 PM	#15
newBum76 HyperActive Warrior War Room Member Join Date: Jul 2009 Location: Port Orchard, WA Posts: 253 Thanks: 154 Thanked 29 Times in 16 Posts	Re: 30k in debt...working to get these monkeys off my back! I hear ya, I owe about 70k in student loans myself!

09-23-2009, 06:03 PM	#16
krishnaGopal Banned War Room Member Join Date: Jul 2009 Location: London Posts: 124 Thanks: 8 Thanked 1 Time in 1 Post Contact Info	Re: 30k in debt...working to get these monkeys off my back! Hi ! one of the best pieces of advice I can give you is to stick to one method, until you are successful with it ! Most people tend to keep swapping into new ideas because they hear a new one everyday ! I no I do and its bad ! bcos you never end up finishing what you started !!!

09-24-2009, 04:24 AM	#17
Big Al The Simple One War Room Member Join Date: Apr 2008 Location: South East, United Kingdom. Posts: 101 Blog Entries: 1 Thanks: 25 Thanked 7 Times in 3 Posts	Re: 30k in debt...working to get these monkeys off my back! Heya mate... From memory and I could be wrong (sorry if I am) but Amy Bass went from being over $73K in debt (with family) to earning a bucket load of cash in internet marketing. In fact I still remember her first blog which at the time I thought sucked but now I see that doing something is better than nothing and just getting started is key. Then with daily improvement you can get pay off your debts and earn that 6 figure plus salary. Check her out for yourself - just type Amy Bass debt into Google or find her here. Good luck!

09-24-2009, 04:49 AM	#18
Llewelyn James Llewelyn Join Date: Sep 2009 Location: La Manga, Spain Posts: 2 Thanks: 0 Thanked 0 Times in 0 Posts Contact Info	Re: 30k in debt...working to get these monkeys off my back! Hi there, When were your debts taken out? If they were taken out before April 2007 you may be able write off the entire amount that's if their on credit cards or personal loans. Many credit agreements taken out before this date do not compaly with the terms of the consumer credit act of 1974 and are therefore unenforceable in a court of law. But it takes time to write off the whole debt maybe a year or more, I doubt however whether it would work for student loans! If you want more info drop me a line Llewelyn James