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"You have taught me to believe in myself and to take things slowly, one step at a time, keep sight of my goals, both short term and long term.

Your coaching style was both nuturing and motivating, you seemed to intuitively know some days what I needed most. Your caring and understanding was so appreciated and it came from the heart."

-Holly C.

I would recommend the Simplicity Course as an easy, practical way to start simplifying one's life. I especially liked the segments on Tolerations, Wardrobe, and Office and Paperwork.

Each day focuses on only one task, which is helpful to people who feel overwhelmed by the complexities of modern life and hardly know where to begin downshifting.

-Joan, New York

Beth has an uncanny way of, "reading between the lines" to see a person's heart. I appreciate how genuine she is.

I have already begun implementing her suggestions, and am dumbstruck at how well they are working. I am feeling so much more secure, and feel I am finally put onto a life path that will bring me joy for many years to come."

-Sue Halpern

I feel more focused and have an objective instead of aimlessly filling up the day.

-Shelli Segura



52 Tiny Changes

You've done it before. Tried to change your whole life in 30 days. Only to fizzle out at day 10 because it take too much time. Join me in making a small change each week and by the end of the year you will have made 52 improvements to your life!

52changes@encouragingcoach.com with 52 changes in the subject line. Or come here each week for a new change and some steps to help you along the way.

Tiny Change #8: Start a Debt Reduction Plan

Debt hangs over your head like a stranglehold. It makes you work longer just to stay afloat to pay past bills. It's time to start living within our means. It's time to start saving money for our future. Here is how to start:

  1. Get a notebook and list all your current debts. List the amount, the interest rate and the minimum payment. You will immediately feel better knowing where you are.
  2. Next, decide which debt to pay off first. Usually this is the one with the highest interest rate or the smallest debt. Put the rest in order of when you are paying them off.
  3. Decide how much you can spend on debt reduction per month.
  4. Pay the minimum of all your debts except for the one you are paying off first. Add up the minimums on the other cards. The money that is left will be paid to that card.
  5. Once that card is paid off, add the money you were paying on that card to the minimum for the next card. And so on.
  6. For example: $500 on Citibank, $300 on Circuit City, $5000 car payment and $60 gasoline card. Pay the minimum on all the cards. You have enough money to pay off the gas card, so you do that. The next month you pay the minimum on Citibank and the car payment plus pay as much as you can to Circuit City, until that is paid off.
  7. The most important thing to remember is that you can't continue to use credit cards because you will never get rid of your debt that way. Always pay cash, check or debit card. My debit card is a Mastercard and is accepted wherever Mastercard is. You will have to change your spending patterns. Really think before you buy something. Ask yourself if the item is worth the amount of time you will have to work to pay for the it.

Learn new concepts of money in the book:Your Money Or Your Life-Transforming Your Relationship With Money & Achieving Financial Independence

Quicken has an online debt reduction planner that will take you step by step to make your action plan. I highly recommend it. CNN Money also has a debt reduction planner.

Are you in too much debt? Check out this calculator to help you find out if your debt to income ratio is too high.

Are you ready to take control of your finances?



52 Tiny Changes Archive


PO Box 233 Zeeland MI 49464 Beth Dargis