1) Those that are okay.  This means that they would have a positive net income. strategy

2) People who are underwater.  This means that they have a negative net income.

My question is in either case can I pay off my debt more efficiently and faster?  The answer to both camps is yes, but it may take different strategies for the two camps.

Let’s talk about camp 2) first.  When there is more month than income, where do we start and how can I reverse this situation?  The first thing I need to know is how much net income I have in my budget and where are my expenses? The program I like is called HOPE (Helping Ordinary People Excel.)  I may have to rearrange the “buckets” of money in my budget for it may be the only way to reverse my net income status.  By using the HOPE computer system this can be accomplished over a period of time.

Camp 1) needs to be able to maximize the power of your income by reversing the banking system to work for you instead of the bank.  This can be done by using the MCA (Mortgage Checking Account.)  The MCA system positions you to use bank interest free to pay your bills while repositioning debt each month accelerating your interest savings and paying off debt.  This works best by using a line of credit (HELOC or PLOC) to utilize your discretionary income each month.

Interest works 24/7. Do you want it to work for you or continue to work for your bank?

BENEFITS OF MCA ADVANCED SYSTEM:

• Faster results by incorporating more debt reduction strategies simultaneously
• Larger interest savings
• Easier to succeed and more efficient use of each dollar
• Leverages your income saving daily calculated interest
• Less monthly maintenance
• Eliminates some consumer debt immediately
• Incorporates a line of credit to increase liquidity (access to more money)
• Pay off multiple properties simultaneously
• Neutralizes variable and inconsistent incomes
• Natural behavioral change for lasting results

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