6 tips on how to get out of your debt


I have recently read Robert Kiyosaki’s book “Rich Dad’s Guide to Becoming Rich“. It’s a great book with a lot of practical advises and financial tips on how to get rid of your debt and how to educate yourself financially.

I like his books because they are very easy to understand for everyone who doesn’t have a financial education. The biggest part of his advises can be applied immediately in our daily lives.

Here is an extract from the book that I think it’s very easy to apply for everyone and it can be a great 1st step in taking control over your own finances:

Pay yourself first. Put aside a set percentage from each paycheck or each payment you receive from other sources. Deposit the money into an investment savings account. Once your money goes into the account, DO NOT take it out until you are ready to invest it. Congratulate yourself! You have just started managing your cash flow.

Focus on reducing your personal debt.

Tip #1: If you have credit cards with outstanding balances, keep only one or two credit cards in your wallet.
Keep the other cards out of sight, preferably in a safe or a safety-deposit box.

Any new charges you add to the one or two cards you now have must be paid off every month. Do not incur any further long-term bad debt.

Tip #2: Come up with 150$ to 200$ extra per month.
Now that you are becoming more and more financially literate, this should be relatively easy to do. If you cannot generate an additional 150 to 200$per month, then your chances for achieving financial freedom may only be a pipe dream.

Tip #3: Apply additional 150 to 200$ to your monthly payment of ONLY ONE of your credit cards.
You will now pay the minimum PLUS the 150 to 200$ on that one credit card.

Pay only the minimum amount due on all other credit cards. Often people try to pay a little extra each month on all their cards, but those cards surprisingly never get paid off.

Tip #4: Once the first card is paid off, apply the total amount you were paying each month on that card to your next credit card.
You are now paying the minimum amount due on the second card PLUS the total monthly payment you were paying on your first credit card.

Continue this process with all your credit cards and other consumer credit such as store charges. With each debt you pay off, add the full amount you were paying on that paid-off debt to the minimum payment of your next debt. As you pay off each debt, the monthly amount you are paying on the next debt will increase.

Tip #5: Once all your credit cards and other bad debt are paid off, continue the procedure with your car and house payments.
If you follow this procedure, you will be amazed at the shortened amount of time it takes for you to be completely debt-free. Most people can be debt-free within five to seven years.

Tip #6: Now that you are completely debt-free, take the monthly amount you were paying on your last debt and put that money toward investments.
Build your assets.

That’s how simple it is.  🙂

Good luck to all!


Andre Agassi’s speach at Stefi Graf’s induction into the International Tennis Hall of Fame

I have never been a big tennis fan, I don’t know the game’s rules or anything about how they play.
I only know the big names of the sport and of course everyone of us heard about Andre Agassi.

His book “Open” has been on my “to read” list for a while already and I just came across it in a bookstore recently.

Can I say that I fell in love with this man after reading his book?! Because I think I did. 🙂

I will not write a review of the book, just go to a bookstore, online, or wherever you like to shop and buy this book already and READ IT!!! Trust me, it’s worth the money and the time!

One of the things that impressed me the most about the book and him is how he talks about his wife, Stefi Graf, and his love for her. I wish that everyone would feel a love like this

Bellow is Andre’s speach at Stefi’s induction into the International Tennis Hall of Fame in 2004.

“I realize the words have yet to be invented that are large enough, colorful enough or true enough to express the heart and soul of this woman that I love, Stephanie!

I wonder what could I possible say to give justice to the way you’ve lived your life and the lives that you’ve changed. I began several years ago with a small chalk board sitting in our kitchen, a tradition that I’ve carried on every night, that at the end of each day I have picked up the chalk and I’ve tried to express the many things you mean to me. Sometimes just a brief line, sometimes a short story, but always an overflow from a grateful heart. And yet after these months and years after writing to you each night I have never been at a short of these ways to reflect the light that she brought into my life. And now, how ironic that in these few short moments I need to capture in words these saying that I deeply appreciate in you. Maybe I can say it to you this simple way:

Not long ago we were on the road and I looked at our hotel room window from upper floor of a very tall high rise  I could see the rooftop of an old and beautiful cathedral. There was stunning with the carved stone and marble done so perfectly. I could not believe the work of art I was seeing and then I wondered how many years did it take them to create this and what drove them to be this committed  then I began to appreciate something greater. I realized when this rooftop was built it was by far the tallest building and in the age long before the airplanes and skyscrapers these artist believed each day as the went about their work that no human being, no one set of eyes will ever see their creation. How could they not have cut one corner, how could they considered no task routine. i can only think it came from a deep place inside, the need to be true to themselves was their reason and the reward.

All of this has helped me to understand you just a little bit better, never needing applause to be at your best, only needing the best your soul can give to feel complete.

From the roar of voices inside the lines of a center court to the quietness of a child’s bedroom, that generous soul, that unbending strength, that soft spoken integrity has not one time been shaken.

The arena of tennis has simply given you a platform and an opportunity to refine those inner qualities even more. You have always been about the action, not about the words. You have never defined yourself by what you have achieved, rather you have achieved by how you defined yourself. And even now it has taken my breath away to see how you quietly laid down your racket to pursue love and motherhood with the same zeal and high standards you have always demanded of yourself. 

Now, no one has ever known you being infatuated by your own accomplishments. In fact, as I’ve always said, anyone who speaks with you will most likely forget the great things you’ve done within 30 seconds. But they will feel cared for, their feelings engaged, and you never let go of their heart until you know that they know they are completely understood.

The history books will record for posterity your ability to embrace and rise above adversity, to play trough injury, and to win, again, and again, and again. Far in the future people will analyze and thus discuss your place as the greatest of your time and as those future generations hear of your strength and dominance they may be tempted to think that they know you or the real heart of a giant that beats inside of you. But for those of us who are blessed to actually see first hand your quiet humility, to watch you represent your sport with unmistakable dignity, and for those of us who are even more blessed to be lifted out of our selves by your laughter, to be on the receiving end of your always generous heart we have etched forever and us something a statistic could never contain. We have been touched deeply by your life, you have made us better and we will never be the same. 

Stephanie, you have spent many years of your life competing, but right here where we stand and the years of your children and right now in my heart you have no rival. 

Ladies and gentlemen, I introduce to the greatest person I’ve ever known, Stephanie Graf!”

Please like, share or comment if you liked the post! 🙂

Jurnalul Annei Frank

Jurnalul Annei Frank” – poate una dintre cele mai frumoase carti pe care le-am citit vre-odata.

Recunosc ca mi-au dat lacrimi si mi s-a pus un nod in gat in timp ce citeam postfata cartii.

Nu ai cum sa nu te atasezi de toate personajele din carte. La un moment dat chiar uitasem ca tot ce se intampla este real, si acei oameni chiar au existat. Cand ma gandeam la asta, ma atasam si mai mult de personaje si caracterele lor.

Este o poveste reala petrecuta intre anii 1942 si 1944. O poveste de viata amuzanta si trista in acelasi timp, redata de o fetita de 13 ani, care a avut un dar deosebit de a scrie si de a acapara atentia cititorului.

Nu vreau sa scriu multe despre carte, o sa redau aici doar un fragment care mi-a placut enorm.

Tineti cont de faptul ca aceste cuvinte au fost scrise de Anne la varsta de 15 ani, adica dupa ce 2 ani locuise inchisa intr-o anexa, vedea lumina soarelui doar miscand foarte putin si foarte rar perdeaua in timpul zilei, iar noaptea se bucura de vederea lunii si de aerul proaspat stand langa geamul deschis de la mansarda.

Ce frumos si buni ar fi toti oamenii daca, in fiecare seara, inainte de culcare, si-ar rememora intamplarile zilei si apoi ar analiza cu atentie ce a fost bun si ce a fost rau in ce-au facut. Involuntar, incerci atunci in fiecare zi din nou sa te indrepti si, dupa o vreme, bineinteles ca progresele vor fi insemnate. Oricine se poate folosi de metoda asta, nu costa nimic si este cu siguranta foarte folositoare. Caci cine inca nu stie trebuie sa invete si sa afle: “O constiinta impacata te face puternic!”

A ta, Anne M. Frank

6 iulie 1944″

Pagina de facebook.

Anexa a fost transformata in muzeu care este deschis publicului.

Si am facut cunostinta cu Simon Toyne

Joi, 24 noiembrie 2011, a avut loc lansarea bestseller-ului international “Sanctus” in Romania.

Chiar cu o zi inainte de lansare am terminat de citit cartea. Este prima carte dintr-o trilogie. Si asa cum era de asteptat te lasa sa doresti mai mult, te lasa sa astepti cu nerabdare cartea urmatoare, ca sa stii ce urmeaza sa se intample.

Cu toate ca ajunsese abia cu o seara inainte in tara, in aceeasi zi inainte de lansare avusese deja 4 interviuri la diferite posturi TV (2 in direct si 2 inregistrate). Iar la 6 seara cand am ajuns acolo inca mai avea energie sa faca cunostinta cu fiecare persoana in parte care a venit la eveniment si sa schimbe cateva cuvinte.

M-a impresionat un om simplu, foarte deschis si cu o personalitate fermecatoare.

Andrei Gheorghe (brand ambassador Editura All), Simon Toyne, Mario Demezzo(editura All).

Ce stiam deja despre Simon Toyne si carte:

Dupa ce a lucrat 10 ani in televiziune, se apropia de pragul de 40 ani si incepuse sa intre in criza varstei mijlocii, si-a dat seama ca daca nu ia acum o hotarare sa-si urmeze visul (acela de a scrie o carte) nu o va mai face niciodata. Si spre socul tuturor rudelor si prietenilor, si-a dat demisia si a inceput sa scrie cartea. Iar cu 2 ani jumatate mai tarziu s-a trezit ca este intr-un turneu international de promovare a cartii, iar cartea sa este un bestseller.

Ce am aflat nou: 

Simon Toyne

In timp ce discutam cu el, am mentionat ca mi-a placut foarte mult finalul cartii si anume secretul (Sacramentul – cum este numit in carte) pe care abia astepti sa-l afli pe tot parcursul lecturii. Nu mai gasisem in nici o carte aceasta idee. Mi-a zis si el ca a fost foarte mirat cand i-a venit ideea asta si dupa aceea a inceput sa caute pe internet sa vada daca a mai fost abordata anterior de alti autori, si se pare ca nu mai fusese atins de nimeni acest subiect. Lucky him, zic eu! 🙂

Un alt lucru interesant care l-am aflat direct de la autor a fost referitor la personajele si anume modul in care le-a creat. L-am intrebat daca atunci cand crea caracterele din carte, s-a inspirat de la oamenii din jurul lui (rude, prieteni, cunostinte etc). Nu stiu de unde se inspira alti autori, pentru ca el este primul pe care am avut ocazia sa-l cunosc personal si sa-i pun aceasta intrebare. Ce a facut el a fost asa, a cautat poze pe internet cu diferiti oameni (fie persoane celebre, fie poze gasite arbitrar pe net), le-a pus pe toate intr-un folder si in timp ce compunea povestirea se uita la poze si descria personajele. A recunoscut ca s-a inspirat si din oameni cunoscuti din jurul lui, dar nu a vrut sa dea nume, nevrand sa afle ei despre cine este vorba. 😀

A 2 carte tocmai a fost terminata luna trecuta si urmeaza sa fie publicata in primavara 2012 in UK mai intai, urmand sa apara si in alte tari.

Iar in decembrie anul curent va incepe sa scrie a 3 carte din trilogie.

Eu personal astept cu nerabdare aparitia urmatoarelor carti din aceasta serie.
Pentru cei care inca nu au citit-o, cartea o puteti cumpara aici.
Lectura placuta 🙂

Simon Toyne, autorul bestsellerului internaţional Sanctus, vine în România

“Scriitorul Simon Toyne va veni în România în perioada 24 – 26 noiembrie. Pe parcursul vizitei sale, scriitorul va participa la întâlniri cu cititorii şi presa, în cadrul unui program organizat de editura ALLFA, parte a Grupului Editorial ALL.

Joi, 24 noiembrie, ora 18.00: Lansarea romanului Sanctus
Locaţie: Magazinul Cocor, etaj 3, zona Atrium
Participă: scriitorul Simon Toyne, Andrei Gheorghe – ambasador de brand Editura ALL şi Mario Demezzo – vicepreşedinte Grupul Editorial ALL

Vineri, 25 noiembrie, 11.00 – 15.00: Sesiune de autografe
Locaţie: Standul Editurii ALL, Târgul de carte Gaudeamus (Complexul Romexpo)”

Cumpara cartea – aici.

Update: Lansarea oficiala a cartii in Romania.

Secretul care i-a adus succesul lui Benjamin Franklin

Pe cand lucra ca un mic tipograf in Philadelphia Franklin a pus la punct o metoda simpla si foarte practica, care poate fi folosita de oricine. Franklin a ales 13 caracteristici despre care credea ca sunt necesare sau de dorit, cu intentia sa si le insuseasca si sa le stapaneasca perfect, si in fiecare saptamana s-a concentrat pe una dintre aceste caracteristici. In acest fel a reusit sa parcurga lista in 13 saptamani si sa o repete de 4 ori pe an.
Cand a implinit 79 de ani, Benjamin Franklin a scris 15 pagini despre aceasta idee in autobiografia sa – pentru ca simtea ca acestui lucru ii datoreaza tot succesul si fericirea sa. A incheiat, spunand: “Sper ca unii dintre urmasii mei imi vor urma exemplul si vor culege roade”.

Cele 13 teme ale lui Franklin (asa cum le-a descris el in autobiografia sa si in ordinea in care le exersa):

  1. Cumpatarea – Nu manca pana la ingreunare si nu bea pana la ametire;
  2. Linistea – Nu spune decat ceea ce ar putea folosi altora sau tie; evita conversatiile marunte;
  3. Ordinea – Lasa toate lucrurile pe care le ai la locul lor; acorda fiecarei parti a ocupatiei tale timpul sau;
  4. Hotararea – Fii hotarat sa faci ceea ce trebuie; indeplineste fara gres ceea ce ai hotarat;
  5. Chibzuinta – Nu cheltui decat pentru binele celorlalti sau al tau; nu irosi nimic;
  6. Harnicia – Nu pierde timpul; fii mereu ocupat cu ceva folositor; elimina toate actiunile inutile;
  7. Sinceritatea – Nu-l induce in eroare pe celalalt, pentru ca se va simti ranit; gandeste incocent si drept, iar cand vorbesti, vorbeste la fel;
  8. Dreptatea – Nu nedreptati pe nimeni facandu-i un rau sau neacordandu-i beneficiile care cad in sarcina ta;
  9. Moderatia – Evita extremele; abtine-te sa urasti relele care ti s-au facut pe masura gravitatii lor;
  10. Curatenia – Nu tolera murdaria corpului, a hainelor sau a locuintei;
  11. Calmul – Nu te lasa deranjat de nimicuri sau de accidentele obisnuite sau inevitabile;
  12. Castitatea – Practica rareori sexul si numai pentru a avea copii sau a-ti pastra sanatatea; nu recurge niciodata la el din plictiseala, slabiciune, pentru a distruge linistea sau a strica reputatia cuiva;
  13. Umilinta – Imita-i pe Iisus si Socrate.

Putem sa inlocuim unele caracteristici din lista cu altele care consideram ca trebuie sa le dezvoltam mai mult, sau de care avem nevoie mai mult in acest moment. Nu este usor, dar lucrul pentru care merita sa lupti cel mai mult nu se obtine usor niciodata.

Eu am inceput sa le aplic deja!
Bafta si tie, si la cat mai multe realizari frumoase 🙂 🙂

Sursa: Cum am devenit expert în vânzări – Frank Bettger