Carefree Debt Free

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Were does true and lasting freedom lie? Oh to be mortgage free but hey - one realistic step at a time. Meanwhile, to shop or not to shop?

There’s something called "work-life balance" which is probably all about choice and maybe getting a better mix of workdays to fun days.

Its always seemed somehow illogical that weekends are shorter than the workweek, making the competition for available weekend leisure opportunities highly intense and frankly, stressful. Just try parking in a town anywhere on a Saturday afternoon.

So why do we do it? Work that is. For all but the fortunate few and excessively wealthy, the length of the working week must enable us to earn enough to provide food, shelter and the occasional luxury. And if we can’t wait for the next pay check, interest rates are low and credit almost instant - a fistful of store cards can be yours in an afternoon. - providing you can first find somewhere to park the car.

The ready availability of credit means for many, the dream of being mortgage-free has now been eclipsed by a new and more pressing ambition.

A period of carefree spending quite often comes to a sudden and shuddering halt with the realisations that the monthly payments have ramped up to the point where something has to give. It’s then that freedom from debt moves to the top of the wish list.

At this point, many mourn the loss of their freedom to spend, whilst others try desperately to solve the problem with strategy of missed or partial monthly payments that just attracts more attention from the lenders, increasing the pressure, discomfort and stress.

What started off as a pleasurable and positive experience suddenly turns, all too quickly, into something that impacts on relationships, family, friends and work.

Spending more or remaining in denial you may think provides some short-term comfort and relief, but sooner or latter, the reality check has to be made if freedom from your debts is to become a realistic choice and placed within your grasp.

But how can you get out of debt where (a) you can’t beg, steal or borrow any more money and (b) there’s really no one you can confide in for help?

Although people may flaunt their size of their mortgage, there’s less cachet attached to out-of-control debt so there’s an inbuilt reluctance to be open and honest about your predicament - even to yourself, So, where do you turn to for impartial, confidential help and advice?

Payplan is a debt help and support organisation that has gained a detailed understanding of both the debt predicament and the difficulty many people have admitting that a problem exists. They have been helping people regain control of their finances and their lives for the best part of 15 years, so can justly claim expertise in their field.

The Paylan service provided is free and can range from simple advice on income maximisation to longer-term debt management solutions. Whatever the route recommended, the aim is the restoration of financial freedom. So freedom from the burden of debt is just a phone call away. Next stop, mortgage freedom?