Free yourself from consumer debt, credit card debt, or anything that prevents you from experiencing financial freedom. You can live free of debt, and live your life the way you always imagined! Stop debt collecters forever!

Financial freedom is something we all dream about, yet it seems so far out of reach for the average person. All kinds of debt, whether it be mortgage, credit card, or our inability to stop debt collectors from knocking down our doors can be an extremely stressful situation.

As a woman who has been through much in her life and understands the hardship of debt problems, I feel the need to share some of my "getting out of debt tips" with you. These keys to eliminating credit card and consumer debt is not a "get rich quick" scheme that you find all over the internet. They are practical tools that you can use to start your new path to freedom. Enjoy the journey. You can be debt free!

I am not a financial expert, but I do know a few things about practical actions you can take to eliminate debt that have helped me and my family. Here are a few of my tips:

• Visualize your goal!

I know this sounds like a stupid step, but it is essential to maintaining stress free throughout the process. Write in your planner or on your bathroom mirror..."I am free of debt and it does not have a hold on me" It will begin to become part of your life and will manifest itself in time.

• Realize and eliminate unhealthy spending habits

This one is difficult but is necessary to stop debt in your life. You have to take notice of how much money is going out in relation to how much is coming in. Take a closer look at your spending habits and cut back where you can. You will be surprised at how much less you can survive on. This is only for a time until you can get back on your feet.

• Do not charge anything you cannot pay for

Credit card debt is the worst kind in our nation right now. We are charging what we cannot afford. If your salary does not cover what you are charging then resist the temptation for now. In the long term it will be worth it, trust me!

• Try to consolidate debt with lower interest credit cards

Ask your credit provider to lower your interest rate (this only applies if you pay your bills on time) or inquire about any deals they have presently for balance transfers (watch those balance transfer fees). If you can get a 0% interest credit card, this would be ideal; however, you need a good credit score.

• Pay one extra mortgage payment a year

If you can handle it, it would be in your best interest to pay an extra mortgage payment every year. This could reduce your mortgage paying years significantly, which means you would be paying less interest in the long run.

• Keep up your credit score

It is essential to keep up that credit score in order to stop debt or eliminate it completely. Make sure you are not delinquent on any of your accounts and try to keep your balances low on your credit cards. Don't close those credit cards after you have paid them off. Creditors like to see that you have credit cards with 0 balances. Note: Do not spend 50% or more of your credit limit. This signals to lenders that you are not bringing in enough money and will significantly lower your credit score.

• Speak to a qualified professional

If you can afford it, or if you know someone who is skilled in the financial arena, it does not hurt to ask for help. We all need help in our lives and financial freedom is no different. Financial advisors can help you stop debt collectors from knocking down your door and give you a realistic plan with a timeline for getting yourself back on your feet.