When you are starting out on the road to clean up personal debt, you need to start with the obvious and that is simply paying off your debt with assets you currently have. I know that most people with money problems think they don’t have assets they can use to pay off debtors, but it’s where we need to start. I’ve found that we all have some assets we can liquidate in order to take a dent out our debt, but few consumers are willing to give up their expensive toys such as cars, boats, equipment, lake cottages, jewelry, etc. Unfortunately it takes extreme measures sometimes to clean our personal finances, and keep our agreements with debtors. There are other ways to attack red bank balances such as a line of credit, overdraft, or credit cards, but we need to consider what we really need and not just what we want.
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