Don't let yourself get stung by selfish, greedy and criminal minded people trying to get rich off of you.

Probably some of the Nigerians were the first to figure out that the world is full of suckers who will do their best to get by without working for a living and will fall for any scheme that appears to be "too good to be true". If something seems too good to be true...it probably is. Run as fast as you can away from these types of schemes.

Other scams come from all over the world...the UK being one of the most prolific in producing these scams. After Nigeria seemed to produce many of these scams...scam artist in other parts of the world soon learned that if the scam did not originate in Nigeria chances were good that people would trust these scams more readily coming from other parts of the world.

As a word of advice...by all means before parting with your hard earned money, do your due diligence on any program that you may be considering. It doesn't take long and you can find out the validity of most of these programs and scams very easily.

I write as an authority having been taken in by two scams originating in Nigeria. Not much money was lost...but enough to embarrass and leave me feeling violated and stupid. I guess that there will always be stupidity when it comes to money and the chance to "get-rich-quick".

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Top 10 Ways to Get Out Of Debt

There are many different factors that contribute to you becoming snowed under by debt. These can be job layoffs, unforeseen events or any other external conditions. In the incident of finding yourself in debt, it is necessary to formulate a feasible plan and take some measures in order to beat the debt - because without taking the necessary steps, you can sink further into more and more debt.

First of all, it is very important that you create a realistic and practical monthly budget in which you plan your expenses and savings. You should make sure that you stick to your budget and don't spend money elsewhere. While making the budget, include the amount of debt you would pay off each month.

You should stop using credit cards so that the debt doesn't increase further. Any other financing which increases your debt should not be done. You should also stop any store cards that you possess. Consider paying cash, because then you will know your financial limits and you will also know when to stop.

You should get an estimated period of time in which you can pay off your debt with your current income. For that purpose you can calculate the "Debt-to-Income Ratio". You should also make a list of the creditors to whom you are indebted, along with the amounts of debt. This would help you in analysing where you stand.

Another necessary measure is that you should consider your living conditions and living expenses. Out of these expenses you should try to cut out the ones which are unnecessary, so that your discretionary expenses are reduced. The housing costs should be less than 33% of your household income. These costs include property tax, mortgage payments, and property and homeowner's insurance. If these costs are more than the specified percentage, then you should look for insurance rates that are relatively low. You can also get your home mortgage refinanced.

You should never consider getting a loan so that you can get out of the existing debt. If you get a loan, you may have to risk everything. If you want to borrow money for paying off a debt, asking a relative or friend is a better option. You can also think of some ways for making some extra money. This can be done by either getting work, or you can consider whether you have any assets you can sell.

Once you have made a list of the creditors and your debt, you can always contact your creditors and formulate a payment plan with them. Creditors mostly negotiate in such cases so that they can collect their money without going to debt collectors.

You should not buy items that are not necessary; this will help you save money. If you want to buy something, the preferred choice would be to shop around and get the bargain that helps you save the most. You can also use the internet for this purpose. If you think you cannot manage the debt on your own, you have the choice of seeking the service of an advisor or company that can help you with it.

Ricardo Reeves is an expert in debt
management and has helped hundreds of families free themselves from a
stranglehold of debt.

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