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The Debt Buster Program and Kit
are FREE to all Advocare distributors/members!
You may be wondering why it's
not included in your distributor kit? The answer is simple! Choosing to call and ask for it by
name is the first step towards saying yes to more, and a future of debt freedom!!!!!!!! If you
are a member/distributor, call 1-800-542-4800 and order yours today! | | | | | | It’s simple. By eliminating one debt at a time, you focus your efforts and
create debt-reduction momentum. You can start where you are right now, today. Here’s how it works: | | |
Stop using your credit cards to spend money you don’t have on things
you don’t need
Target one credit card at a time by applying
as much money as you can toward the credit card you can pay off fastest, paying only the minimum monthly payments on the rest.
This allows you to focus your debt reduction efforts on an attainable goal.
Repeat
with the next card. With each credit card debt you eliminate, the amount of money you have available (momentum
money) to take aim at your debt increases. This is how you accelerate your debt reduction process. | | | | | | | | | | | | Once
you’ve paid off your debt, you can invest your momentum money to earn interest. That’s when real freedom begins
– when your money works for you, not the other way around. No matter where you are on the debt scale, DebtBuster
works. Get started now! |
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| | | | | Credit
card companies lend people money in exchange for paying it back at a premium interest rate. These interest rates, accumulated
on minimal monthly payments, keep millions of Americans mired in debt for decades. | | | | | | | | | | | | Credit
Card | Balance
Owed | Interest
Rate | Minimum
Payment | | Visa | $2,000 | 17.9% | $80 |
| | | | | | The
above credit card would take 9 years and 6 months
to pay in full using only minimum payments. | | | | | | |
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Lisa and Carlton Hardman
Alabama
Our exposure to DebtBuster taught us that we don’t have to desire for
contentment — we can actually have it. Since establishing a DebtBuster plan four years ago, we have paid down nearly
$150,000 in home equity, mortgage and credit card debt. DebtBuster helped us to set and prioritize financial goals,
while rearranging our mindsets and lifestyles to reflect these values. Before DebtBuster, if we wanted something, we simply
bought it. We live by the ocean and go boating a lot — if the boat needed work, we wouldn’t think twice about
fixing it, whether or not we had the cash to afford repairs. Now we’re on track to be debt free within the year.
We’ve established saving accounts for our children and invest our extra income in stocks. The hardest part of
getting started is defining your debt and facing it — evaluating whether or not you’re in a debt mindset. Look
ahead five years — if you’re in debt and don’t have a plan to reduce it, you’re going to be in more
debt five years from now. Imagine what it would be like if you didn’t have to spend $1,000 a month on your mortgage
payment! With the help of DebtBuster, we are working towards a point where economics don’t determine the choices
we make. We would love to help our family members more and to help support the ministry. We also love to travel and look forward
to the day when we can afford to take a trip with the kids wherever and whenever we want, with a babysitter!
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Daphne and Jeffrey Cook
Alabama
We were inspired to work towards debt-freedom by our friends, Lisa and Carlton
Hardman, who paid off their home mortgage while still in their 30s. We always thought that it was normal to have your house
paid off by the time that you retired — but now we hope to achieve that goal in our 40s. The DebtBuster system empowered
us with a deeper understanding of how interest can put shackles on someone’s life and how debt freedom can release these
chains to allow people to dream again. When we started building our AdvoCare business, the only debt that Jeffrey and
I had, besides our mortgage, was a $16,000 car loan. We paid this loan off in less than two years using DebtBuster. This year
we had a number of unexpected expenses, which limited progress on our plan. However, our extra AdvoCare income covered these
costs so that we didn’t have to go into more debt to cover these additional expenses. We’re focusing our efforts
on setting aside an emergency fund and college fund for our three kids. Jeffrey and I are also both very passionate
about missionary work. The money that we spend on a $30 dinner can pay for a month of food for an impoverished child in Peru.
We are driven even more to achieve debt-freedom, knowing that with financial independence we can have a global impact on helping
others.
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Dennete and Barry Tallis
Oregon
As the parents of four children, we’ve always worried about providing
for our children’s long-term education. We never had a plan in place, until Ron Reynolds introduced us to DebtBuster
in 2002. The idea of living debt-free was completely revolutionary to us! Barry and I both come from good families
and have been able to maintain the standard of living that we grew up accustomed to. We have nice cars, a nice home and I’m
fortunate to be a stay-at-home mom. DebtBuster provided us with a common, focused goal that we could work towards together.
As a result, we never fight or worry about money any more. We don’t pay with credit cards, and we use cash or
debit cards for everything. With DebtBuster, we realized that there’s so much more that we could do with financial freedom.
We’re involved in a new start-up church in our community and would love to be able to support that work more. At present,
we’re focusing our efforts on paying off our mortgage and building a college fund for our kids through investments and
following the DebtBuster system. Our motivation to stay disciplined comes from leading seminars in our home and introducing
young people to the principals of AdvoCare DebtBuster. As leaders in our community, we are inspired by helping others to achieve
their own freedom from debt. Though we’ve had a few setbacks brought on by moving households, we believe deeply in the
power of DebtBuster to create financial freedom and continue to work towards our goal.
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Fred and Joanette Biebesheimer
Washington
When Joanette won a $5,000 bonus from AdvoCare, we knew that we wanted to
use the money to pay off debt and looked naturally to the DebtBuster program to provide us with the guidance and structure
to focus our efforts towards reducing our burden. In the past three years, we have paid off $65,000 in debt incurred from
Joanette’s retail business, and we anticipate that we will be able to meet our goal of being debt-free within a year
and a half. DebtBuster has taught us to be more thoughtful in our spending habits. We are proactive about putting money
into our 401K plan and are also building a college fund for our daughter. We are judicious in our use of credit cards,
and if we do have to use them, always pay off our balance as quickly as possible. These lifestyle changes have given us a
sense of control over our finances, which has resulted in a deeper sense of inner peace. We no longer react to credit-card
statements and no longer live our lives with a sense of debt hanging over our heads. The most difficult part of using
the DebtBuster system was making the initial decision to get started, and then adding up and facing the debt we had incurred.
But once we got past this hurdle, we realized that paying bills once a month no longer needed to be a painful or scary process.
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