OY Debt, OY Fat, OY Stress

tax return checkTax refund checks are coming! Here are 3 ideas to help you reduce debt, fat, and stress.

Being in debt can be debilitating.  Being overweight can be unhealthy and actually make you sick.  You have an opportunity to reduce the stress of debt and excess weight significantly with your 2014 tax refund check.

Here are some ideas to give you a jump start to becoming skinny and debt free:

Use the sexy order of debt elimination to prioritize how you pay off your debt.

S E X Y:

     S…..Pay off your most Stressful debts first.

EX….Pay off your most EXpensive interest debts next.

Y…Pay off your Youngest debts last. (Not past due yet)

Stressful debts would include all debts that cause you the most stress.

For example: Collection agencies, collection attorneys, or creditors of any kind that are calling you about the debt.  Other examples could include a relative or friend that has lent you money that you would like to repay; or maybe a doctor or a creditor that you would like to continue to do business with.

  1. Set up an emergency fund.  An emergency fund can help you with an unexpected car repair, health issue, or other expense that you did not plan on.  A slice of your tax refund should be allocated for emergencies.
  1. Buy a new or used freezer chest if you have the space.  For a few hundred dollars you can buy a chest freezer.  This will allow you to store frozen fruits and vegetables which are nutritious and healthy.  It will also allow you to store meat, fish and poultry when on sale. You will be able to eat more healthy and economically.  If used wisely, the investment will be more than paid back during the year.

Stress is everywhere except in the cemetery.  Eliminating stressful debt and losing a few pounds will improve your physical and mental health.  Be sure and use this year’s tax refund check wisely.

Martin Sher, Co-CEO of AmSher Collection Agency and a past president of ACA International, is the author of the Collector’s Pledge. Hundreds of thousands of collectors all over the world have signed this unique document committing to treat people with dignity and respect. AmSher is known as the collection agency that collects with compassion

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