Posted in Finances

Resources To Help You Live Debt-Free And Prosper Because Prosperity Allows You To Bless Others - By Steven Ciantro

Steven Ciantro is a certified credit counselor, a management representative of American Debt Enders, and a former finalist in Inc. magazine and Ernst and Young’s Entrepreneur of the Year contest. He is also a Talk-Show Radio Host and successful published songwriter and musician (his album January Tyme can be heard on YouTube), the inventor of a patented medical device, a public speaker on debt issues, and the official debt expert for motivational speaker Gail Kasper’s Top 1% Club.


We live in a strange time indeed. There are those who would have you believe that you must be bad if you do not have any money problems. Even worse, these same people think that someone else should decide where your money is spent. I try to stay apolitical in my articles, but since I am personally so vested in credit counseling, sometimes it can be difficult.


So, in this article I am going to share some resources that I have no financial interest in personally. They are resources that are absolutely free and are designed to empower you. Yes, I am very big on self-empowerment—to live not only a debt-free life but also hopefully a life of abundance. Abundance, by the way, does not mean you have to be a millionaire.


Number 1: A free newsletter put out by a man named Jim Wang. I subscribe to this myself. This newsletter puts out great tips for consumers that are all financially based and very practical. Reading it will make you smarter. Sign up here: 


Number 2: Another free newsletter called The Penny Hoarder. This newsletter’s sole purpose is to get you free money. Each edition lists something you can sign up for on the Internet that will pay you anywhere from $10 to $100 just for the free sign-up. It is absolutely for real. You have my word on it. This week’s money maker was getting $15 for simply downloading a cell phone app. Here is the sign-up page: 


Number 3: American Debt Enders has recently placed a budget calculator on its website. If you have high-interest-rate credit cards, my first question is, why are you allowing yourself to be trapped by high interest when there is an easy fix? Simply visit the Credit Card Budget Calculator, and after you see how much money you’re throwing away, read on the same page how simple it is to change that situation with a Debt Management Program.


If you would like to subscribe to the FREE Credit Counseling Newsletter, simply leave your email address here. We never share your information. If you have a debt problem and need free credit counseling, feel free to contact me at or 877-766-246. 


ABOUT STEVEN CIANTRO: Steven is well suited to advising on debt issues. Growing up from humble beginnings, he personally made a fortune from nothing in his earlier years and lost it. The experience completely altered his value system. It seemed every professional debt expert Steven and his wife spoke to wanted to put them into even more debt to help them. It took years for them to untangle the financial mess, which they ultimately did on their own, gaining a tremendous education in the process. However, the experience left Steven with chronic kidney disease, which he still battles today. In 2004, Steven found work at a national nonprofit credit counseling company. After six months, he became regional manager; Steven had found a new calling. He is in the unique position of not only being a true expert on debt relief issues, but also understanding firsthand how oppressive debt can be. In 2006, American Debt Enders was started as a company that would offer free credit counseling; it was among the first companies in the nation to use the business model of offering multiple debt relief programs and solutions under the same roof.


This article is courtesy of the Top 1% Club and the Top 1% Club Mentor Gail Kasper. For additional information on Gail Kasper, her television appearances and speaking engagements, please visit