With so many different options and people promoting different products and services to help you pay off your debt as quickly as possible, it can be just a tad confusing trying to figure out which one is best. So, we got together with a group of experts, friends, and other people we know of that have either struggled to get out of debt, are still working on getting out of debt, or their primary occupation is helping people get out of debt and we came up with a list of 10 different criteria ANY program, tool, or system should have. If the program you're considering is missing EVEN ONE of these elements, chances are it's probably not going to be as effective as it could be, or help you get out of debt as quickly as possible. 1. No need to refinance your existing mortgage To be truly effective at helping you eliminate your debt you shouldn't have to completely restructure your current financial situation. Yes, it may be helpful to refinance your existing mortgage if you can get a better rate and the upfront money doesn't throw a wrench into things, but it shouldn't be a requirement to make the program work. And if you do decide you want to refinance, you should definitely speak with a qualified financial advisor. 2. No extra income required Now this is another one that may not make sense to some people. Yes, with a little extra income each month you should be able to pay off your debt faster, but again, it shouldn't be a requirement. You see, unless you're upside down on your finances each month, there should be a way to eliminate your debt without having to resort to a second job, hawking family valuables on Ebay, or doing anything else to generate extra income. The money you're currently making now SHOULD BE sufficient, again assuming you're not underwater each month. 3. Little to no change in your current lifestyle This one's a big one. You see, most 'get out of debt' programs require you to make dramatic changes to your lifestyle. They expect you to cut off the cable, stop eating out, stop buying new clothes, and basically becoming a financial miser. Now, would doing all of these things help? ABSOLUTELY!! However, they shouldn't be a requirement to make the program work, otherwise you'll get frustrated and most likely never actually use the program to its fullest potential. 4. Super-simple to use This is another big one. Many get out of debt systems out there require you to do some pretty rigorous calculations and math on a consistent or on-going basis. Are you serious? Who in their right mind wants to spend hours each month adjusting and recalculating just to make the system work? I for one don't and wouldn't expect anyone else to. For any system to be truly effective it MUST be super-simple to use meaning you may have to go through a setup phase once, but after that it should just work. Plain and simple. 5. Help you analyze future purchases/consequences Now this one isn't so much a requirement as it is a 'nice to have'. However, if you can find a system that can help you get out debt as quickly as possible PLUS show you the consequences of future purchases and what it would do to your financial situation, what a bonus! Remember, any system you use should help you become more informed and educated as it relates to your finances and the ability to evaluate future purchases could be a HUGE help as you work to build real long-term wealth. 6. Available 24/7 - not a static solution This is another problem with many of the 'get out of debt' programs out there today. It involves some static spreadsheets, or paper printouts that have to be updated manually by you. Seriously now, do you really want to have to go through this every time you want to see your status? With the technology we have available today you should look for a program that is a DYNAMIC solution that automatically takes into account any extra income you might come across, changes in your job situation, a decrease in interest rates, etc. There's absolutely no reason at all you should have to fiddle with anything to take these factors into account! 7. Low cost - relative Listen, if you're trying to get out of debt, doesn't it make sense you're trying to limit your expenses? Of course you are! But price is definitely NOT the only thing you should look at. You've got to look at the relative cost of any potential solution. In other words, not just how much is the sticker price, but also how much could it potentially help you save? In other words, you can't just look at the stick price you'd pay today for something. You'd got to look at the cost, plus any potential savings to determine if it's a good investment. For example, let's say you found a program that has a price tag of $97-297 but you know you'll never use it because it too hard to figure out, or it's not easy to maintain, or any other host of reasons. I'd say it's probably not worth the cost because it's not really going to help you. On the other hand, if you found a system that cost you $99K but it could save you over $100K in interest and you KNOW it would because it's easy to use and maintain then I'd say it's a GREAT investment because even though it costs a lot it saves you more in the long run. Make sense? 8. Lifetime solution If you're going to invest your money in a system to help you get out of debt, then it's got to be something that will last you a lifetime. It can't simply be a one-time affair that only works for a short period of time. It needs to be something that you can set up right now, and feel confident it will still be helping you for the next 20 years if necessary! 9. Has been proven to work This one simply goes back to the ol' credibility thing. It's the pioneers that come back with arrows in their backs, so be sure you feel confident that whatever system you're investigating has already worked for others. And not just a handful of folks. It should be hundreds, if not thousands of people! Don't be afraid to do some research on your own and at the very least ask to see some testimonials from people that have used the system. One word of caution here though. As you're researching ANY program you're most likely going to encounter some negative comments. This is pretty typical with anything successful, so be careful not to look at just the negative comments. 10. Doesn't trash your credit Finally, any system you use to pay off your debt should only help your credit. If the program you're looking at threatens to hurt your credit in anyway, run the other way as fast as you can! Remember, we're trying to eliminate debt so we can better our financial situation. Anything that goes contrary to that should be avoided like the plague. Okay, so those are the 10 criteria you should keep in mind as you search for the right tool to help you pay off your debt as quickly as possible. While this isn't an all-encompassing list, it is a pretty thorough list that should help you make a decision you can feel good about. Now, as these relate to the Money Merge Account system, it passes all 10 of these criteria with flying colors! In fact, in all of our research and investigation we haven't been able to find another program that even comes close to meeting all 10 criteria. Receive your FREE 'How Fast Can I Be Out of Debt' Analysis to help see for yourself exactly how fast the Money Merge Account system can help you be completely debt free by visiting http://tinyurl.com/payoffdebtanalysis.
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