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A few weeks ago I had the pleasure of interviewing Dan Miller of 48Days.net.  Dan was kind enough to devote several hours of his time to the Debt Free Adventure audience addressing the subjects of debt and career specifically focusing on breaking barriers while pursuing your passion and succeeding in the changing workplace environment.

Dan is a pioneer in the Life Coach movement, the founder of the 48Days.Net community, and two time best selling author who has helped millions of people transition from working jobs they hate, to leading successful, mission-focused work lives.  Dan is also a joyful Christian, father, grandfather, and successful Eaglepreneur.  Find more of Dan by reading his bio, reading his 48Days blog, and by reading his bestselling and powerful books: 48 Days To The Work You Love and No More Dreaded Mondays.

As an added bonus Dan is offering an incredible resource to readers for free his eBook 48 Low Cost Business Ideas.  Make sure you download and read the book its packed with unique and profitable business ideas that have very low start up costs.

Folks, this challenge and piece of advice from Dan is crucial and very powerful.  If you take nothing else away from this interview article be sure to spend a few hours contemplating the wisdom he gives below.

Dan advises us to:

Look inward first.  Take 2 hours to look internally and say, what are my unique skills and abilities, what are my personality tendencies, what are those recurring dreams that I keep having? From that you should be able to create a clear focus and then decide, what kind of work embraces all of those things that I now know about myself? That is the starting point, and that has been the freeing process for a whole lot of people that I have had the privileged of intersecting lives with over the last few years.

If you are ready for a change and want to take positive action toward that change take Dans challenge seriously and go do this now.

Please enjoy it was a great joy to interview Dan and I hope to collaborate with him more in the future.

Please excuse the quality of the sound and video it was my first attempt at recording a Skype call.  I wish the quality were better but cannot change it now.  I promise the quality will be better in future videos but also wanted to share this wise quote on the subject of publishing less than perfect content

I loved this book so much that Im giving a copy away to one lucky DFA subscriber.  If youre already subscribed, youre already entered to win!  If youre not subscribed you can enter to win below.  By entering you will also begin receiving free DFA email updates directly in your email!

The winner will be announced on Friday, June 3rd 2011.

Consolidating of credit card debt is one of the most discussed topic in the industry of credit cards. It is true that credit cards were very beneficial and convenient for us and, indeed, credit cards are announced as a need. However, with all the good you have evil too. In the credit card industry credit card debt is a real tragedy and credit card consolidation is often considered a remedy of this debt problem.

Today just anyone who reads newspapers and watches TV has already known what the term of credit card consolidation means. However, just for the benefit of others, debt consolidation, simply put, is the process of combining all your debts that you hold on various credit cards with high APR into a single credit card with low APR. So the main advantage of credit card debt consolidation is done in terms of reduction in APR (and therefore reducing credit card debt growth rate). Full article…

Getting out of debt can be a tricky proposition. There are a number of programs that purport to help work through your debt issues, but you need to be careful. While some can provide needed assistance, others are little more than scams. One of the distinctions you should make when deciding what debt plan to go with is that between debt management and debt settlement. It is important to note that your mortgage obligation is usually not included in these types of arrangements.

Debt Management

With debt management, you have a third party help you create a repayment plan for your debt. You pay down the principal at a reduce interest rate, and possibly with your fees waived. Interest you have accumulated to the point of debt management is usually added to the principal. You make one payment to the (hopefully reputable) debt management company, and the company makes payments to your creditors.

Full article…

Should you get a loan to pay off debt? In most cases, no. Just because you can get a loan to pay off your debt, doesn’t mean you should. After all, are you really “paying it off” by using another loan? What you’re doing is delaying the inevitable and/or making the debt a bit less painful to bear (either because you lower the interest rate, payment, or lengthen the time you have to pay it off).

But I know there are circumstances where life happens and backs you into a corner, debt-wise. Whether it’s a job loss, or unexpected medical costs, life can send you in a tail spin and leave you with excessive credit card debt. Most of us have been there.

At this point you can choose to do a couple of different things. First, you need to make sure you stop the bleeding. Find a way to get more income, and/or drastically reduce your expenses to live within the means that you do have. If you do

Full article…