3 Secret Tools to Help You Pay Off Credit Card Debt Quickly

And Shift Into A Life of Financial Success

$6,172. What could you do right now with $6,172? Hopefully, you’ll use the money to pay off credit card debt quickly. Why? Because, that’s how much debt the average African American has according to a 2018 study. So, how do we fix this?

$6,172. What could you do right now with $6,172? Hopefully, you’ll use the money to pay off credit card debt quickly. Why? Because, that’s how much debt the average African American has according to a 2018 study. So, how do we fix this?

Ready to make "Shift" Happen?

Join millions of others who have used these same techinques to reduce debt, increase their cash flow, and live a life of financial freedom.  I can show you the way.  Click the button below and let's Shift into Success!

Why Do We Go To Work?

If you’ve read the intro, then you’re probably thinking “go to school and get a good paying job with benefits.” That actually sums up the reason why most people go to work at a job. We work to fund how we’re currently living and allowing that job’s benefits to fund our future.

In order to do this, we will take out loans or apply for more credit cards just so we (or our children) can get a decent job, make a ton of money, and get out of the rat race. Then, later on down the line, we expect the money we’ve paid into social security and our pensions to help us make a living.

There once was a time when this system worked. But, what about now?

4 reasons Why Working Doesn’t Work (or It’s Not Enough Anymore)

Even though there is still some money coming into your household, not all of that money is going to you. At this point, you already know that the government is going to take out their fair share from your paycheck. But, there are three other hidden factors at play that are also hindering your financial success.

InflationAs time marches on, things don’t cost the same as they once did. This is called “inflation” and it’s the silent killer of your wealth. What is “inflation”? It’s defined as “a general increase in prices and fall in the purchasing value of money.” How is it “silently” killing you? As time goes on, products and services increase in value.

Take your rent, for example. Is your rent the same as it was about 3 years ago (is it the same as it was last year)? Your rent increases based on the value of the land it’s on, which also increases depending on where you are. As your rent increases, chances are your paycheck isn’t.

If your are fortunate to see a slight increase in your paycheck, then chances are it’s still not enough to meet or exceed what you need to make your rent payment. Or, maybe it is, but your paycheck isn’t enough to cover the rest of what it takes to live comfortably (gas, food, clothes, entertainment, etc).

If your paycheck doesn’t keep up with the rate of inflation, then you might as well look for a better paying job, look for a SECOND job, or max out your credit cards just to keep up.

TaxesIf you have a job, you should already be familiar with this roadblock to wealth. Taxes are important, because they help pay for many services provided by the local, state, and federal governments. Some of those services may include the postal service, road repairs, medical insurance, natural disaster recovery, etc.

BUT….

These taxes come at a cost to you, the tax payer. Let’s make that 1/3 of the money you bring home from your job. Before you can even touch that money, a portion of it goes toward the government in the form of taxes.

But, that’s not the worst part….

Most people are ignorant when it comes to their W-4 tax forms (that little white paper with the bold W-4 at the top that your employer asks you to fill out when you got hired, and they always advise you to put a “1” down so you can get money back at tax time). Because of that advice of “just put a ‘1’ down,” you could be OVERPAYING to the government instead of paying your fair share. That extra money taken out of your check could be used for everyday expenses throughout the year.

But, don’t blame your employer, though. There’s a good chance that they are just as ignorant about the W-4 as you are. According to NerdWallet, about 55% of Americans can’t even tell you WHAT a W-4 is. Over half of the population’s ignorance when it comes to taxes also prevents people from taking advantage of legal tax reduction strategies that can save you and your family even more money in the long-run.

You normal every day lifestyle is costing more than what you’re bringing in. Because your W-4 is wrong, more money is being taken out of your paycheck.  So now you have less take home pay. What do most people do at this point, now?

CHARGE IT!

credit card debtIt’s the next roadblock to wealth. Debt will take another 1/3 of your hard-earned pay.

I know what you’re thinking at this point.

You’re thinking that “as long as I have ‘good’ debt and I’m making my payments on-time, I’ll be fine….”

NO DEBT IS GOOD DEBT!!

You accrue debt because you don’t have the money for whatever it is you’re trying to get, regardless of whether it’s for a noble cause or not, such as going to school. You think the purpose of going to school is so you can get that “good paying job” and pay off your student loans. But, guess what…

The cost of going to college in order to get that “good paying job” has put a strain on 87% of Black families since they owe $7,400 more in student loans than Whites after graduating. As for just “going to work”, according to the U.S. Census, the average median net worth of a Black family is $49,258. You might think that’s fine, until you see the net worth of the White family (which is $171,000 by the way).

Another “good” debt is a mortgage for a house. I can let a certified financial planner tell you about that lie.

Going into debt is a bloody mess, but many of us go into it anyway trying to keep up with our lifestyle (let’s face it, by this point, you’re not even maintaining your lifestyle).

big businessBig Business is the final roadblock to your wealth. They take the last 1/3 of your hard-earned cash.

How? Think about it.

Every month, there is some special event or holiday that Big Business advertises to you that requires you to spend money either on yourself or others.

January is New Year’s Day (ex: first of the year meal). February has Valentine’s Day (ex: cards, chocolate, flowers). March has Spring Break (vacation) and St. Patrick’s Day (ex: booze, green clothes to keep from getting pinched). That’s just in the first three months. Think about the rest.

Don’t forget about summer vacation, back-to-school shopping, birthdays, Halloween, Christmas…. you get the picture.

1. Inflation

InflationAs time marches on, things don’t cost the same as they once did. This is called “inflation” and it’s the silent killer of your wealth. What is “inflation”? It’s defined as “a general increase in prices and fall in the purchasing value of money.” How is it “silently” killing you? As time goes on, products and services increase in value.

Take your rent, for example. Is your rent the same as it was about 3 years ago (is it the same as it was last year)? Your rent increases based on the value of the land it’s on, which also increases depending on where you are. As your rent increases, chances are your paycheck isn’t.

If your are fortunate to see a slight increase in your paycheck, then chances are it’s still not enough to meet or exceed what you need to make your rent payment. Or, maybe it is, but your paycheck isn’t enough to cover the rest of what it takes to live comfortably (gas, food, clothes, entertainment, etc).

If your paycheck doesn’t keep up with the rate of inflation, then you might as well look for a better paying job, look for a SECOND job, or max out your credit cards just to keep up.

2. Taxes

If you have a job, you should already be familiar with this roadblock to wealth. Taxes are important, because they help pay for many services provided by the local, state, and federal governments. Some of those services may include the postal service, road repairs, medical insurance, natural disaster recovery, etc.

BUT….

These taxes come at a cost to you, the tax payer. Let’s make that 1/3 of the money you bring home from your job. Before you can even touch that money, a portion of it goes toward the government in the form of taxes.

But, that’s not the worst part….

Most people are ignorant when it comes to their W-4 tax forms (that little white paper with the bold W-4 at the top that your employer asks you to fill out when you got hired, and they always advise you to put a “1” down so you can get money back at tax time). Because of that advice of “just put a ‘1’ down,” you could be OVERPAYING to the government instead of paying your fair share. That extra money taken out of your check could be used for everyday expenses throughout the year.

But, don’t blame your employer, though. There’s a good chance that they are just as ignorant about the W-4 as you are. According to NerdWallet, about 55% of Americans can’t even tell you WHAT a W-4 is. Over half of the population’s ignorance when it comes to taxes also prevents people from taking advantage of legal tax reduction strategies that can save you and your family even more money in the long-run.

3. Debt

You normal every day lifestyle is costing more than what you’re bringing in. Because your W-4 is wrong, more money is being taken out of your paycheck.  So now you have less take home pay. What do most people do at this point, now?

CHARGE IT!

credit card debtIt’s the next roadblock to wealth. Debt will take another 1/3 of your hard-earned pay.

I know what you’re thinking at this point.

You’re thinking that “as long as I have ‘good’ debt and I’m making my payments on-time, I’ll be fine….”

NO DEBT IS GOOD DEBT!!

You accrue debt because you don’t have the money for whatever it is you’re trying to get, regardless of whether it’s for a noble cause or not, such as going to school. You think the purpose of going to school is so you can get that “good paying job” and pay off your student loans. But, guess what…

The cost of going to college in order to get that “good paying job” has put a strain on 87% of Black families since they owe $7,400 more in student loans than Whites after graduating. As for just “going to work”, according to the U.S. Census, the average median net worth of a Black family is $49,258. You might think that’s fine, until you see the net worth of the White family (which is $171,000 by the way).

Another “good” debt is a mortgage for a house. I can let a certified financial planner tell you about that lie.

Going into debt is a bloody mess, but many of us go into it anyway trying to keep up with our lifestyle (let’s face it, by this point, you’re not even maintaining your lifestyle).

 

4. Big Business

big businessBig Business is the final roadblock to your wealth. They take the last 1/3 of your hard-earned cash.

How? Think about it.

Every month, there is some special event or holiday that Big Business advertises to you that requires you to spend money either on yourself or others.

January is New Year’s Day (ex: first of the year meal). February has Valentine’s Day (ex: cards, chocolate, flowers). March has Spring Break (vacation) and St. Patrick’s Day (ex: booze, green clothes to keep from getting pinched). That’s just in the first three months. Think about the rest.

Don’t forget about summer vacation, back-to-school shopping, birthdays, Halloween, Christmas…. you get the picture.

The Bottom Line is… Now You’re BROKE

After it’s all said and done, you’re just like the rest of America–struggling to make ends meet. And if you’re Black, you already know it’s WAY worse.

I’ve been where you are now and I can honestly tell you IT DOESN’T HAVE TO BE LIKE THIS.

You are NOT meant to struggle.

You are NOT meant to be stressed out.

You ARE meant to live the life you always wanted.

All it takes is for you to MAKE SHIFT HAPPEN!

How Do I Make Shift Happen? (3 Secrets the Wealthy ACTUALLY Want You to Know)

Many of us think the wealthy want to stay rich and keep the poor where they are. That’s not true.

The fact is that wealthy people HATE seeing people struggle in their mess; drowning in debt. They want you to experience a life of success.

How do I know this?

Because, I’ve been speaking with the wealthiest of the wealthy. I’ve been learning from them; studying them. They gave me 3 secret tools to help me make a shift from a poor failure to a wealthy success.

Actually, they’re not THAT big of a secret, because I’m going to tell you what they are.

In order to make shift happen, you need to:

Reduce Your Debt

Start a Home-Based Business

Invest & Generate Residual Income

With these three strategic tools, you can finally have a FREE and PROSPEROUS life that you were told you can have as a child growing up.  I can show you how!

Why Does Shifting to Success Work?

Shifting to Success works because it worked on me. I’ve seen jobs come and go and I’ve seen numerous people get promotions and jobs they DEFINITELY didn’t deserve.

Also, living “paycheck to paycheck” sometimes “paycheck to Monday” was something I was doing all the time! Something had to change! It started with my mindset.

When I had a shift in mindset, then I was able to make the changes necessary to live the life that I always wanted. When I started seeing these steps work, I HAD to tell people how to do it, too, so they can feel the same way that I feel every day.

That’s what you get with Shifting to Success. You get someone who will help guide you where you’re trying to go in life. Plus, you get tools that are already being used by certified financial planners and are guaranteed to work.

The Next Step

So, what are you waiting for? Are you ready to make some “shift” happen (instead of … the other stuff…)? Click the red “Join Now” button to get started on your journey to success right NOW!

You’ve tried it your way for years and it’s left you poor, stressed, and broken. So, what have you got to lose?

Let’s make “shift” happen!

The Next Step

So, what are you waiting for? Are you ready to make some “shift” happen (instead of … the other stuff…)? Click the red “Join Now” button to get started on your journey to success right NOW!

You’ve tried it your way for years and it’s left you poor, stressed, and broken. So, what have you got to lose?

Let’s make “shift” happen!

Ready to make "Shift" Happen?

Join millions of others who have used these same techinques to reduce debt, increase their cash flow, and live a life of financial freedom.  I can show you the way.  Click the button below and let's Shift into Success!

About Me

My name is Tomeko Settles and I want to show people how to shift their income from negative cashflflow to positive cashflflow! I'm originally from Arkansas but I spent about 15 years overseas in Europe working for the U. S. Government. I've seen jobs come and go and I've seen numerous people get promotions and jobs they DEFINITELY didn't deserve.

Also, living "paycheck to paycheck" sometimes "paycheck to Monday" was something I was doing all the time! Something had to change! So I decided to take a long hard look at my finances and I did not like what I saw.

I knew I needed a change and I've learned the POWER OF INCOME SHIFTING!!! Welcome to your lifestyle change!!! Time to SHIFT!!!!

Tomeko Settles, Owner
Shifting to Success

Contact Me

mekoset74@gmail.com

+1 (240) 339-5649