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Hint: It’s not about your loan interest rates, nor is it just about socking away more money by cutting back or even just about saving money on interest. As a financial advocate to professionals, I deal with this issue frequently with the business owners we work with.
Unfortunately, in a zealous effort to get out of debt, too many people make critical mistakes that increase their risk and make the process much slower than it has to be. It doesn’t make any sense to start paying extra on loans until you have at least three months of income, and ideally six months, in a liquid savings account. If you have no cash reserves, what happens when you pay down your loans but then experience an unexpected cash flow crunch? Once you have cash reserves you can raise your insurance deductibles and extend elimination periods, which decreases your premiums, an extra benefit of having money in savings. I recommend using your home, auto, and liability insurance to primarily cover catastrophic losses. The larger principle here is that when you approach debt elimination the right way it affects almost every other aspect of your finances. Another benefit of this strategy is that it improves your debt-to-income ratio, which then improves your credit score, which can then be used to negotiate lower interest rates and will result in increased cash flow.
Assuming you have enough home equity and after improving your credit, refinance your mortgage and roll as much of your non-deductible loans (credit cards, auto loans, etc.) into it as possible. CAUTION: Do NOT do any of this if you’re undisciplined and your spending is out of control. Most financial advisors and pundits will tell you to pay off your loans with the highest interest rates first. To determine your Cash Flow Index, take all your various loan balances and divide each of them by their respective payments. In this example, it seems to make sense to pay of the credit card first because it has the highest interest rate.
The trick is to pay off debt that gives you the greatest cash flow with the least investment.
In this case, by paying off the auto loan first, you free up more monthly cash, which can then be applied toward the credit card balance. Again, this strategy isn’t just about paying off debt faster and saving money on interest—it’s also about reducing your risk. Banks and other financial institutions tell you to pay off debts that lessen their risk while increasing yours.
The rule here is do NOT directly pay down loans that keep you in the same payment (as opposed to loans for which the payment reduces as you pay them down). To make this concrete, if you have a 15-year mortgage, consider refinancing to a 30-year loan. Also, as stated earlier, another side benefit of lowering your payments by extending your loan periods is that it improves your debt-to-income ratio, which helps your credit score. As I explain in my book, Killing Sacred Cows, without a fundamental change in consciousness regarding debt, none of these strategies will work long-term. Was my debt caused by investments that were actually more like gambling—putting money into things I didn’t understand and couldn’t control? If you’re struggling with debt, focus on creating value for others by increasing your knowledge, protecting your confidence, and eliminating destructive relationships, expenses, and distractions. The money that you are currently paying extra to loans, you would instead use that cash to improve something that you are certain will perform in your business: hire a new employee, employ a marketing program, develop a critical skill, buy technology that would open up new revenue or increase retention. How can you hire people and create processes and procedures to stop doing the things that drain your energy?
Where do you need to release control and replace your physical involvement with processes and procedures? To double your profits, what things would you have to start doing that you’re not currently doing? How can you leverage your vision (inspire and build a team) versus increasing your personal labor?
What things could you do in your business that 1) are the highest and best use of your time, and 2) would produce the greatest long-term ripple effect? To recap, debt elimination isn’t simply a matter of prioritizing the order in which you should pay off loans. The wise and sustainable way to do it is to reduce your risk and create more safety throughout the process.
Garrett Gunderson is a financial advocate to professionals and the author of the New York Times, Wall Street Journal, USA Today, and Amazon bestseller Killing Sacred Cows: Overcoming the Financial Myths that are Destroying Your Prosperity.

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Overage belly fat that doesn’t want to burn away can be a really stubborn problem for you. One of the best qualities of food rich in fiber is that it satiates your hunger faster so you end up eating less, people who is on high fiber diet lose weight much faster than others. Whole grain foods have high fiber content and increase the metabolism rate, as they have complex carbohydrates. The vitamin C content in most fruits is high and It is one of the biggest reasons why fruits are considered as a fat burning foods.
Many vegetables are considered to be negative calorie foods, as they have a pretty low-calorie quantity.
Cabbage is such vegetable which acts like a diuretic by crushing up the stomach fat, because it contains sulfur and iodine. The Chinese have been effectively drinking green tea for centuries because it is an effective weight loss agent.
Some studies have shown that green tea taken along with caffeine helps the body burn calories faster and is a good addition to your healthy diet plan.
The body requires more energy to process proteins than it requires to process carbohydrates. Every year, many women tries to get rid of belly fat and also work on getting the six pack abs. Keep your back straight and lift both your legs off the floor, till they are vertically to the floor. If love handles is the problematic area for you, then you could include this abdominal exercise in your workout plan. If you are looking for stomach exercises at your desk, then this is an appropriate exercise to be done at home.
With these easy stomach exercises, it is also important that you include some cardiovascular exercises in your workouts. You want to get out of debt so you can reduce your risk, increase your cash flow, and have greater peace of mind, right?
You simply increase your loan balances again or even worse, miss payments and hurt your credit score, therefore getting charged more for future loans and you can miss opportunities to lower your interest rates.
With higher deductibles (again, assuming you have cash reserves to cover small losses) you’re less likely to make claims, which prevents increased premiums. This is a more comprehensive approach that takes every factor into consideration, rather than looking at your debt in a vacuum.
Then you can attack your remaining debt strategically, using your increased cash flow to eliminate one loan at a time.
If you’re just going to charge your credit cards back up again, you’ll just sink deeper into debt.
After minimizing your payments and maximizing your cash flow, you’re now prepared to focus on one loan at a time, thus creating the “snowball effect” until you’re completely debt-free. My advice is to ignore the interest rate and use my proprietary Cash Flow Index to determine which debt to pay off first. A high Cash Flow Index means your loan balance is high relative to the payment, while a low Cash Flow Index means your balance is low but with a high payment. Paying off the auto loan first means you can pay off both faster than if you started with the credit card. For instance, if you lock yourself into higher payments, which increases the equity into your home, but also simultaneously increases your risk for being foreclosed on.
Rather, save the money that you would have paid on the loan balance in a separate account until you have enough to pay off the loan in full. It doesn’t give you immediate benefit, and it increases your risk by reducing your liquidity.
Instead of paying extra to the bank, which increases your risk in the pay-down period, save those extra payments in an extra account. Identify and solve the root causes of debt, rather than hacking at the byproducts (interest and bondage).
If so, what could replace the feelings I receive from borrowing to purchase material things?

This limited, scarcity minded thinking leads to eliminating productive expenses like hiring key employees, implementing marketing programs, or other important areas within the business.
Add this one step to the Cash Flow Index suggestions above to velocitize your money and pay off your debt even quicker.
This will give you more resources and allow your dollar to stay in motion rather than going directly to debt.
Join his Curriculum for Wealth series in order to dig deeper and uncover the comprehensive strategies surrounding cash flow and improving your bottom-line.
Fiber also moderates the insulin levels in the body and it helps control the weight and blood sugar levels. Eating fat burning foods is the safest and quickest way to get a flat belly and lose those extra fat around your waist. Vitamin C helps the body to break down the stored fat quickest and also energizes the carnitine amino acid which accelerates the body’s ability to burn fat faster. Vegetables have essential nutrients that keep your body much healthier without increasing calories. The celery calories are so low that it is also termed as a vegetable with negative calorie count. Green tea has epigallocatechin gallate known as EGCG, which is an excellent antioxidant and helps the body burn fat.
If you have protein rich foods in your diet they will burn more fat and help you get that flat stomach.
The major reason for getting a flat stomach or six pack abs is very simple; your self-esteem increases, you feel good about yourself, you have a million dollar body to show off and everybody wants to know who you are. Hold the position for a 5 seconds and slowly come back to the starting position and repeat the exercise another 12 times. Hence, Let’s start with the lower stomach exercise before we explain some upper stomach exercise.
Don’t put down your feet on the ground till you finish 10 to 12 counts of the exercise. You can opt for simple exercises like brisk walking, cycling, walking up and down the staircase, etc. Don’t worry if you are wondering where that money might come from, details to follow, read on.
You can call your credit card companies, for example, and tell them you’re considering canceling and switching.
The more equity you have the greater the incentive for the bank to foreclose, plus you would have less money to build your savings when forced to make higher payments.
You’ll have the money to pay off your mortgage in 15 years with extra assistance from the government (tax advantage) and interest that you earn on the side account with the difference between the payments.
It oftentimes removes the focus from the mission of the firm and shrinks the vision to survival and minimizing.
Bend your legs at the knee and lift your legs off the floor, such that knees are placed straight above your hips. Interlace your fingers and place them behind your head, so that your neck is well supported.
They may be inclined to make their interest and terms more favorable for you, especially if you have a higher credit score.
Food that is protein rich like fish also contain omega-3 fatty acids which are good for speeding up the body’s metabolism rate. Slowly lift your shoulders off the floor, twist to the right and try to touch the left elbow to the right knee. Contract your abdominal muscles, so that the abdominal muscles are pulled towards the spine. If you suffer from any back ailment, then it is best to seek medical advice, before you start with the belly fat exercises. Come back to the starting position and repeat the exercise on this side 10 to 12 times before you change sides and repeat this love handle exercise on the other side as well.

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