CUTTING SPENDING BY 50% — KEYS TO HAVE 50% DISPOSAL INCOME

Cutting spending by 50% — It start with cutting debt — that is the first
key to having more disposal income.

The 2nd key is reading books or listening to Audio-Books on cutting debt. Under
standing debt is key.

The 3rd key is having a desire to be debt free.

The 4th key is having a desire to have money. This is a complicated issue with
most people because credit cards is all they use. Who want to have $300.00 or
$400.00 cash in their pocket????

The 5th key is understanding debt cost. Interest rates, fees, annual fees serve
no useful purpose but add additional cost to everything you purchase on credit.

The six key is a simple key — Financial Freedom or Living Paycheck To Paycheck!!!!

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