If you have been struggling with bad debt problems your entire life, there is a reason for it. I know, because for the the first 35 years of my life, my credit was bad, and my bank balance was always upside down.

I never felt like I was really bad with money – I just knew that I never seemed to have enough of it, and fewer and fewer lending institutions would give me a loan.

I never checked my credit score, didn’t know what FICO meant, and I’d never heard of Equifax before. There was no such thing as Payday Loans back in the late seventies (well not that I had ever heard of), and at one time there was only two kinds of places I could get a loan – my parents or the pawn shops.

Yep – and borrowing from family members just plain stinks. I would rather face some dude, in a smelly pawn shop, who never looks me in the eye, and couldn’t care less if I ever paid them back again. Besides, who wants a water damaged 1958 Les Paul with a rosewood machine head stock anyway – man, that was the DUMBEST thing I ever pawned.

So now the truth comes out about your humble owner of Clf – I was a financial ruin for most of my adult life.

So what did I do to get out of debt, and turn around my personal finances?

I changed my hobby. Instead of making my passion and hobby something that cost me money, I made my passionate spare time activity all about MAKING money. Not allot of money at first, but at the end of the month I was further ahead – instead of being further in debt.

So if you are currently struggling with debt, and you are tired of being stressed out about it, consider finding a new past time that involves the creation of pennies, nickels, dimes, and quarters trickling into your pockets instead of out.

If you do the reversal of fortune will come shockingly fast.