Get the 411 on How Smart Debt and the Debt Shredder Are Working for Our Clients
Word of mouth and first-hand account is the way of marketing these days. Here are what clients of the Debt Shredder program say about the powerful strategies they are implementing into their lives to be debt-free.
No matter the reason for you to be researching ways to get out of debt you have found a system that not only guides you through the process but also provides a tool of accountability. Even if you get off track, because life happens, the system will put you back on the fastest path to zero debt.
This system is saving people tens of thousands of dollars and years of payments. Find out how soon you can be debt-free following the all in one program that eliminates debt and builds wealth.
In July of 2011, I had 27 years to go on my 30-year mortgage, $30,000 in credit card debt, $5000 on a line of credit, and only $200 of cash left over at the end of every month. There was $80,000 of debt hanging over my head. I was paying $1,246 in interest out of $1,636 in credit card and mortgage payments every month. Only $390 was going toward principal. I started the Debt Shredder program because I didn’t have an escape route out of debt.
In the first 2 years, as of August 2013, I eliminated $17,871 of my $35,000 in credit card and LOC debt. I had $1072 of disposable income left over at the end of every month now, compared to the $200 left over just 2 years prior. I should be debt free within the next 4 years, far ahead of the bank’s schedule of 27 years. So far, I have saved (prevented) $42,000 in interest from going to the banks. My credit score went from fair, 620 to very good, around 754 as of June 2016. I am very thankful that I listened to the person who told me about this program. I took a leap of faith and a calculated risk, and it turned out very well.
Smart Debt gave me hope for a true future of being debt free. The analysis opened my eyes to how much money I am giving away each month and it had to stop. With Debt Shredder I have already eliminated $20k worth of interest in under 18 months. I’ll be free in under four years. Thank you Smart Debt!
Just recently I’ve been thinking more about having the desire to get out of debt as quickly as possible, the past four to five months. Then I started to take notice about the Debt Shredder program and what it does for people. I eventually was able to do a free Debt Shredder analysis and found out that with my $24,955.82 in student loans that I would be able to save 36 months of payments which would total $13,915.08 and $2,677.65 in interest. After I found out how much money I could save with this program it made me realize how powerful it is, so I decided to buy it. I don’t have a lot in debt but there’s so many people out there that struggle with a large amount of debt (credit card,loans, mortgages,&student loans). Also one of my favorite things about the Debt Shredder program is it helps you make future financial decisions if you think about taking out another loan and how long it’ll take for you to pay it down.
I see this program allowing my wife and me to fund various projects along the path to financial freedom.
I’m anxious to get going! This spells out exactly where we are and how to improve our situation.
My husband and I starting using the Debt Shredder program in 2011. At this time we were married for less than one year, had two car payments, student loans, and a mortgage from a home we bought in 2009. As a newly married couple we found ourselves trying to rebound financially from the cost of our wedding, manage our combined debts, and save for our future. Within the first two years of using the Debt Shredder we were able to eliminate both car loans and our student loans, as well as better manage our budget and increase our discretionary income. With the elimination of our loans we were able to pay down the principal of our home.
One of the best features of this program is that it adapts to your life. In 2013 we were blessed with the birth of our first child and saw an increase in our monthly expenses; however, by noting these changes in our account we were able to stay on track financially and continue paying down our mortgage. In just 5 years we built substantial equity in our home, allowing us to build our dream home while also having our second child. The Debt Shredder gives us financial confidence in managing a new mortgage, childcare costs for two children, and planning for future expenses such as replacing a vehicle and purchasing furniture for our new home. Even with all of these new expenses and uncertain increases to our salaries, we are looking forward to being debt free in 10 years. The Debt Shredder is a great tool to help us manage our spending, plan for future expenses, and save thousands of dollars in interest. It is an investment that pays us back over and over again.
I really like the way the software is laid out. Simple and yet it has everything you need to monitor as you update your payoffs.
If we take everything into account that happened over the last 10 years of using this program, we have paid off over $146,000 in projects and vehicles and we have paid off an additional $100,000 on our home using this program!
This has brought a new dimension to my life. It has laid out a plan in front of me and has given me confidence in managing my finances.
As soon as I saw the program, I knew it was one of the most powerful financial concepts that I had ever seen.
We are very excited about the program and the freedom of choice it is giving our family!
If you’re questioning this program – STOP! It’s been our saving grace. We’ve had the program for over two years now…we had over $230,000 in debt after re-mortgaging our home to pay off high interest credit cards and school loans. We put more money on the cards and got a new car. According to the US Debt Shredder analysis, it was going to take another 22.4 yrs to pay it off the way we were doing it. Debt Shredder shocked us with a payoff in 4.9 years! My wife and I are having so much fun trying to beat the clock. Just under 3 years to go until we can really start living our dream life.
I love this program even though I just got it. I can really see the potential. It drives you to succeed in your financial goals. Thank you.
Thank you for creating this program for people who are working towards holding on to their homes in these trying times.
I cannot tell you how excited I am heading toward paying off our mortgage and our 2nd mortgage in less than 5 years. Light at the end of the tunnel! Thank you for such a wonderful program!!!
With 26 years left on a 30 year mortgage, over $70,000 in credit card debt, 3 car payments a Harley payment twin girls in college. I was stressed every week paying bills. I thought I was doing good with paying extra on each bill. We were going no where…
Then in November/2015 we started with Debt Shredder. So far as of July/2017 we paid off 2 credit cards.
We needed a 4 door car (hated to give up my convertible – 2 grand-kids) another used car in June. I thought this is going to put years on to our debt. NOPE!!!! plugged in the figures and to my surprise. We went from 6.8 years to 7.3 years out of debt completely.
I just follow the program…it tells me what to pay how much, when to move monies….it’s that easy!!! We still live good.
Over $350,000.00 in debt. We will save $125,566.80 in interest…that would have gone to the banks. Better in our pockets.
I have been very blessed to be introduced to the program. It is really making my dreams come true much sooner! Thanks and may God continue to bless!
As a single woman, I look forward to the savings I will receive from my program. Best of all, to the peace of mind of facing retirement age without a mortgage payment!
I bought my house for $112,000 in 2014 with a 30 year mortgage and I’m currently carrying $148,000 worth of debt…I bought the Debt Shredder in August and I’m on track to be debt free in 6 years and saving $62,000 in interest…in a little over 2 months I’ve already saved $1100.
I have been in the Real Estate industry for twenty plus years and have always coached buyers to try and pay extra principal payments. The program is the best thing I have ever seen that will help you use your money in the most efficient way to cancel interest and get your home paid in a quicker time and save thousands in interest. program reduced the time on our mortgage from 14 years to 4.6 and that includes paying off a car loan.
It was an excellent source of knowledge going through the coaching session for the program. Thank you so much, Mike.
I am very pleased with the support I am getting which makes my wife and I excited that we could now see ourselves be debt free in a fraction of time, that owning a home nowadays is possible through this program.
This is the most powerful financial info that I have ever seen. I am so excited about it. I look forward to sharing this info to assist others in achieving financial freedom!!!
This program is a good thing and I will be sharing this with my family members and friends. Thank You.
This company has changed my life in so many ways! I have always been a good money manager but never had a way to see exactly what my money was doing. Now I have that! It’s like having a financial planner at my fingertips every day all day!
This program is INCREDIBLY user friendly and takes minutes to learn. Thanks for getting your product out there!
When we had our analysis done, we had over 30 years of debt. Debt Shredder said that it could get us out of debt in less than 10 years saving us $106,000 in interest. The decision to get Debt Shredder was a no-brainer to my husband and I. In less than a month since we started using the program, we have already cut off $14,000 of interest. This is truly an investment for us and can’t wait to tell our family and friends about this program.
I was really impressed and pleased with the help I received during my scheduled coaching. My instructor was very knowledgeable about the program and responded to all my questions. He was also friendly and engaging to boot!
We are very satisfied with the first three months of usage. We have been able to reduce our principal balance on our 1st mortgage by $13,000.00 and are on schedule to complete the pay off in about eleven years.
All I can say is, wow! This is the program that I personally needed to get my finances in order. I am in control now, not the banks. My debt analysis with Smart Debt was shocking. My total debt was over 400k. Not that I am a big spender, but life adds up. Student loans, cars, mortgage, loans and credit cards sure do add up fast, but take forever to get rid of. Not anymore. You have to do the analysis to see the power behind the program. Yep, I was skeptical. NOT ANYMORE! It works and I can’t wait to be debt free in 6 years. Ask for Tom when you call. He was amazing and patient when explaining the process and program. I’ve read the reviews here and it’s true – I wish I had found the Debt Shredder sooner.
The Product is superb! The program is easy to use and the support staff is professional & helpful.
EXCELLENT and very easy to understand. I feel so safe doing this. Customer service answered all of my questions and assured me that they would help any time I called.
Getting started was really easy and self-explanatory with options available if needed. So far I’m impressed.
This is, without a doubt, the best thing that has happened financially since we were married.
Smart Debt has shown me a bright new future. Very knowledgeable in the program. Debt Shredder is amazing! It has provided the answer to my financial anxieties. There is light at the end of the tunnel! A literal answer to my prayers.
I started using the Debt Shredder on January 1, 2015, at that time, we had three mortgages totaling $117,025.97. To date, June 6, 2017, I was able to pay off two of the mortgages and reduce our debt to $28,096.54 and we saved about $46,242.63 in interest. It was hard to imagine being debt free, but on March 10, 2018, Praise God , it will be real for my family. I can’t wait!! I highly recommend this program, the success I am having with it changed my outlook on life, it gives me confidence and it put me in position to stop worrying about retirement and start planning for it. Thanks and make it a great day!!
This is a wonderful product. Wish I’d known about it 10 years ago and my house would be paid off by now.
I am happy I found Smart Debt. Overall, I’m excited about this program. It is worth the price in the end. It takes some trust and understanding of how it works to realize how quickly it pays for itself. I have high hopes, and I think it will keep me more focused on long-term goals, wasting money, re-thinking needs vs. wants, etc. Wish I would have started this sooner. Tom really knows the program and helped me realize how important it is. If I follow the Debt Shredder I will be free from debt in just over 5 years. Way better than 26!
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