| I’ve just completed my ninth year of being | | | | some of my original list with you below. |
| completely debt free. On January 19, 1999 I paid | | | | 1. Visit my family more often |
| off my first home. That 30-year mortgage ended | | | | 2. Relax |
| up being only 6 ½ years, saving me over | | | | 3. Learn to golf |
| $80,000 in interest payments. | | | | 4. Learn to play the piano |
| Six years ago, we moved. We doubled our real | | | | 5. Go back to College |
| estate assets and increased our net worth. When | | | | 6. Volunteer with local charities |
| we purchased our new home and property we | | | | 7. Winter home |
| paid cash. We’re still debt free and loving it. | | | | When I look at this list I’m proud to say that |
| Being debt free really is not about numbers, at | | | | all but one has been accomplished. While the |
| least not numbers in dollars, but perhaps numbers | | | | number 2 goal, relax is an ongoing battle. I think |
| as in time. I am very thankful to John Cummuta | | | | it’s time to reevaluate my goals and to set |
| and the Debt-FREE & Prosperous Living™ and | | | | new dreams. |
| Transforming Debt Into Wealth™ systems for | | | | I could easily talk about my investments and my |
| the opportunities that living this lifestyle have | | | | net worth, but living a Debt-FREE & |
| opened up for my family. | | | | Prosperous™ lifestyle is really not about |
| I’m a strong believer in helping your fellow | | | | numbers in dollars, but how many hours I can |
| man to help himself. For me it is important that I | | | | spend on field trips with my children’s class, |
| use my life to help others improve theirs. I get | | | | how many track meets I can attend, how many |
| this opportunity almost every day. I go to work | | | | students graduate from the ESL (English as a |
| everyday happy and glad to be there. I love my | | | | Second Language) classes I teach, how many |
| job. I also love the work I am able to do for my | | | | families are helped by the Family resource center |
| community. | | | | that I am on the board of, how many low income |
| I write this not to boast, but to encourage you to | | | | students we can buy school supplies for, how |
| reach for your dreams, to write them down, and | | | | many days in a year I get to see my family, etc. |
| then create your plan to achieve them. Being goal | | | | What are you dreams? What are your goals and |
| oriented will help you to attain all that you desire. | | | | why aren’t you achieving them? Most people |
| Studies show that when we are goal oriented we | | | | fail to make a plan to reach their goals and that is |
| are more productive, we are less stressed, we | | | | what stops them from “just doing it.” |
| are happier and serene. | | | | Make a list of things that you would like to do or |
| Working to achieve my goal of becoming and | | | | always wanted to do, but feel that money and/or |
| remaining debt free is what allows most of the | | | | time have stopped you. From there create your |
| happiness in my life. Before I started my path to | | | | plan, by committing yourself to becoming debt |
| financial freedom, I sat down and made a list of | | | | free. Once you have the plan, the steps are much |
| the things I had always wanted to do, but felt | | | | easier to take. I hope this time next year you |
| that time and money was preventing. I share | | | | have items on your list marked off too. |