How To Get Out Of Debt For Free, My Unique Approach.

Firstly, I just want to tell you that you are not alone! The average household debt in the US is estimated to be around $140 000 of which $15 000 of that is on credit cards. The amount of money owed in the US alone is around 3.5 trillion dollars and the rest of the worlds stats seem to follow suite. Wouldn’t you like to be free of being one of these statistics? I have a different approach to debt management than you will find anywhere else. Today I have an awesome suggestion for you on how to get out of debt for free.

how to get out of debt for freeWhy People Love Credit, The Simple Fact!

Most people love credit because their desire is to live a lifestyle that is beyond the capability of their current income. On top of that, recent studies are showing that the cost of living is actually rising faster than the net income growth. The result is simple, debt is increasing continually.

We as humans have a built in nature to always desire more than what we currently have. We can never turn this desire off because it’s how we learn and grow. I am one of those people who believe that life is for living and we must enjoy every moment. So today I am NOT going to tell you to stop spending more than you are earning. Instead, I would like you to start earning more than you can spend!

That’s Easier Said Than Done….Or is it?

get out of debt for freeNow I am not suggesting here for a second that you should quit your job to find something that pays you more money. You possibly love what you are currently doing and if that’s the case then you definitely don’t want to stop!

My suggestion is to simply consider making some extra money in your spare time. There is a very simple way to do this (free) and I am going to show you exactly how in just a minute. Before I get in to that though, I want to give you an example of how an average household credit card dept in the US can easily be managed by just adding 25{d2eff4ffc6f088af4aeb84fd6552e69a5f8b1d820a5bd3da75f23c87cfbb7bfb} extra sideline income.

These are approximate figures and I have used an interest rate of 16{d2eff4ffc6f088af4aeb84fd6552e69a5f8b1d820a5bd3da75f23c87cfbb7bfb} APR:

  • Average household credit card debt – $15 000
  • That’s $2 400 per year ($200 per month) just on interest.
  • One would need to pay at least $500 per month to clear the card balance in 3 years.
  • That $500 per month works out to 7.5{d2eff4ffc6f088af4aeb84fd6552e69a5f8b1d820a5bd3da75f23c87cfbb7bfb} of an average household earning of $80 000 per year. Please  bear in mind here that the household earnings are not enough to begin with which is why there is a credit card dept.
  • If the household could increase income by 25{d2eff4ffc6f088af4aeb84fd6552e69a5f8b1d820a5bd3da75f23c87cfbb7bfb} that would bring in an extra $20 000 per year ($1 666.67 per month).
  • If all that extra income was paid towards the credit card debt, it would be fully paid off in only 10 months!
  • After the card has been paid off, there would be an extra $20 000 per year to put towards things like holidays and other household luxuries to improve ones lifestyle.

These figures are just intended to illustrate how much difference a little extra income can make. This is regardless of if you are living in America or anywhere else in the world.

So How Can I Increase My Household Income By 25{d2eff4ffc6f088af4aeb84fd6552e69a5f8b1d820a5bd3da75f23c87cfbb7bfb}?

The relentless growth of the internet is providing many opportunities to make some extra money online. This can be done in your spare time as an individual, or even as a family.

Do you have a spouse who is not working? Do you have kids who are old enough to work but are not employed yet. Perhaps they are college students who you are still supporting.

Whatever the case, you can possibly build a little family business based on an online income.

Earn MoreI have developed a simple 4 step process to build an online business. This process is based on affiliate marketing or what I like to call “niche marketing”. It is my #1 recommended way to earn money online.

This is the method that has allowed me to free myself from the stress and strain of debt problems. Yes, I too was asking how to get out of debt for free because I was being suffocated by it!

I am grateful everyday that someone guided me on this path that has allowed me to break those chains.


Wouldn’t you like to follow these same steps that I took to free myself from debt? The best thing is that you can start right now and it is completely FREE of charge. No credit card details are required and no experience/qualifications are needed to do this either. I knew absolutely nothing when I first started!

How Long Does It Take To See Results?

My 4 step process should take you no longer than one week to complete. That’s if you can just spare an hour or two a day. Your time is the ONLY thing required, a small price to pay for something that can potentially change your lifestyle forever!

There is something that I tell everyone when starting out. Please don’t expect to start making thousands of $$ a month right in the beginning. Just like any other business it takes a little time to get rolling. Obviously the more time you spend on it, the faster you will get there. This is actually the great thing about niche marketing though. You can choose how big you want to be. It all depends on your circumstances and how much time and effort you are able to put in.

Debt FreeI am doing this full time and I am able to put in a full time effort. As a result I am able to consistently earn a full time income from it. In the beginning, I could only manage about an hour a day so I was only earning a sideline income from it. I still managed to increase my household income by more than 25{d2eff4ffc6f088af4aeb84fd6552e69a5f8b1d820a5bd3da75f23c87cfbb7bfb} JUST DOING THAT!

Note – Here is a little something to get you motivated. I have tweaked this method in an attempt to help you make a little money by the time you have completed my process. That means within one week!

Ready to Try? I  Also Have a Special Bonus For You….

If you decide to start my simple 4 step process today, I am able to offer you an awesome bonus of two free websites. A website is essential for niche marketing because it is your communication highway to the world. Right now I am able to get you access to an excellent website builder that will allow you to get a website up and running in less than 30 minutes! Guess what….It’s totally free for you today with free domains and free web hosting.

>Click Here to Start – Claim your Website Bonus<


I am not sure how much longer I will be able to offer you this bonus so, if you are considering it, please don’t delay. If you would first like to find out more about me and what this website has to offer, please check out my home page here.

Alternatively, you might want to have a look at some other methods to earn some extra money online. I have written an article which covers some of these methods. It also covers some online scams that you need to be aware of when searching for ways to make money online.

Click here for my article on other ways to make money online


Click here to find out more about “niche marketing”


How To Get Out Of Debt For Free – Conclusion

So ask yourself, do I want to live the lifestyle of my choice without the pressure of falling further in to debt? This is an opportunity for you to learn how get out of debt for free and to start working towards a brighter future. You really have nothing to loose here, all it is going to cost you is a little of you spare time.

If you have any questions please use the comment section provided below. I am here to help you and I will get back to you as soon as possible. I really hope I am going to be able to make a difference in your life today. See you around 🙂

Please share/like. Thanks 🙂

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How To Get Out Of Debt For Free, My Unique Approach. — 6 Comments

  1. Hi Gary,
    Thanks for this article. Just recently I started “niche marketing”, and I am really enjoying it so far! Although I haven’t seen monetary results YET, I know they’ll be coming in soon!
    Thanks again,

    • Hang in there Ian. The money is on its way for sure. Niche marketing takes just a little time to develop but the money WILL start to trickle in. Once that happens it will snowball from there.

      Many people tend to give up before they have given it a chance. Anyway I am glad that you are enjoying it.


  2. Gary, you’re right, debt can really be a threat to a lot of families. And anything that can be done to reduce debt, which includes increasing your income, is a worthwhile pursuit.

    • Hi Mike.

      Debt certainly adds an element of stress and depression in many peoples lives! I am merely making a suggestion here that I know works because it helped me out of a similar situation. Thanks for commenting.


  3. An extra 25{d2eff4ffc6f088af4aeb84fd6552e69a5f8b1d820a5bd3da75f23c87cfbb7bfb} income would be a huge help and you are right.

    Its a scary thought being in debt and incredibly frustrating, embarrassing mixed with a feeling of guilt.

    The reason I’ve written a comment is to thank you.

    • Hi John.

      I am glad that my article has caught your attention! Just give it go and see what happens. Remember it’s free to you really have nothing to loose. I am here to help you if you need any.


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