Charlie Lynville lives in Boise. He was a veteran of the US Marine Corps. He lost his right leg when he stepped on the Afghan improvised explosive device in 2012. He became the first combat amputation to climb the top of Mount Everest and returned home last night.
This is his third attempt to climb the mountain. The avalanche stopped his attempt in 2014. The 2015 earthquake caused the mountain to collapse.
He succeeded this time, but still had to fight against the cold temperatures and the wind of 60 miles per hour.
Mr. Linville not only woke up in the morning, drove to Nepal, and began to hike with his backpack. His successful climb in 2016 made him leave his family within four months. Therefore, in addition to all the training he has done in the United States before he left, he must plan, adjust, change plans, etc. to complete his dreams. This is not a day of shooting!
When we see a lot of debt in front of us, it looks as high as Mount Everest. Most people think they have to climb at one time. Few people start climbing and fewer people enter the summit. After a short time, the main exit.
You have my permission, you can take the time to climb your debt mountain! Putting it in the first place is more important than how you reach the peak. We all have different paths to climb to the top.
Each of us has a unique working environment. Single or married. The child still has no children. The place where you live and the cost of living. So, if you don't spend it in the context of life, it makes no sense to make a statement that "spend less than your income."
I have two "tools" for you to put in a hiking backpack. These are the compasses and maps you use when climbing. Without these, you may get into a crack!
- Get a copy of your credit report
You can't climb without a map or guide. If you have any judgments about you and you have any bug reports that need to be fixed, your credit report will show you the debts owed and which are the debts in the collection.
Order a free report from the free annual credit report. You get one free from each credit bureau every year, so I will save the other two free gifts for future needs.
The credit report also shows the delinquent date required for your next tool.
- Determine the time limit for action in your state
If you have some old debts, they may be too old and you can't be brought to court. This is where the statute of limitations is. Your debt is always collectable, but each state has a law that stipulates the maximum amount of time you can sue.
Go to NerdWallet and see what your state's SOL is.
The compass tells you where you are going. If the debt is too old to go to court, you can pay attention to paying a new one first. You can control your plan!
Once you have these two tools, you can create your plan and pay back those debts in a timely manner. You will know how to allocate revenue and determine if you can cut any fees.
Retired police officer Linville showed that despite several setbacks, the difficult task of climbing Mount Everest can still be completed after a few months away from home. If you climb a planned step at a time, you can successfully conquer your debt mountain.
Orignal From: Once you climb your debt mountain step
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