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Fast Track Debt Relief, Inc.
Friday, July 28, 20175eKomi
Very helpful and professional. I was treated like family
Fast Track Debt Relief, Inc.
Friday, December 1, 20175eKomi
Thus far, the service and assistance have been fabulous. Everything is explained very clearly, and, if there are still questions, they are more than willing to explain until you have a full underst...
Fast Track Debt Relief, Inc.
Wednesday, October 4, 20175eKomi
This company made sure I was not only aware of what I needed to be but also made sure I was comfortable with my decision.
Fast Track Debt Relief, Inc.
Thursday, April 12, 20185eKomi
I am satisfied with the information provided by the costumer service rep he took out the time to explain to me in details and made sure that I understood the process of consolidating my credit cards.
Fast Track Debt Relief, Inc.
Tuesday, April 3, 20185eKomi
Just like they say debt relief. I can't wait for that feeling because that's the way they make me feel. They make you feel very comfortable and help you understand the system how it's work.
Fast Track Debt Relief, Inc.
Wednesday, May 3, 20175eKomi
My experience with this company has been nothing short of fantastic. I would like to point out especially the excellent customer serve by ***. She was always available, cheerful and worked hard t...
Fast Track Debt Relief, Inc.
Saturday, November 4, 20175eKomi
***was awesome he addressed my concerns and was able to put me into a payment I feel comfortable about making.
Fast Track Debt Relief, Inc.
Friday, August 25, 20175eKomi
My experience has been excellent. Everyone that I came in contact with has been very good.
Fast Track Debt Relief, Inc.
Thursday, March 8, 20185eKomi
Fast Track was a pleasure working with. I was really struggling with paying off my debt and they were able to help me lower my payments and pay them off quickly.
Fast Track Debt Relief, Inc.
Friday, November 17, 20175eKomi
My experience with Fast Track has been wonderful due to the concern Ms. *** has. She was so helpful in getting me to understand the plan.
Fast Track Debt Relief, Inc.
Thursday, September 14, 20175eKomi
So far everything has been great! Brad is great to work with and so is the attorney. Prayers that everything goes right with our creditors so we can be debt free before too long!
Fast Track Debt Relief, Inc.
Wednesday, August 9, 20175eKomi
I had a very courteous, polite and extremely well knowledgeable about the information I received. All my questions were answered.
Fast Track Debt Relief, Inc.
Thursday, April 5, 20185eKomi
Our experience with this company to this point has been very good. They seem to be very efficient.
Fast Track Debt Relief, Inc.
Thursday, February 22, 20185eKomi
To whom it may concern, it was a great pleasure working with you and the group. I couldn't have done this without you.
Fast Track Debt Relief, Inc.
Saturday, August 19, 20175eKomi
Great experience. Very professional.
Fast Track Debt Relief, Inc.
Friday, October 13, 20175eKomi
*** has help me and explain their business and I am satisfy and very please. I have heard from my attorney very please with him.
Fast Track Debt Relief, Inc.
Saturday, July 22, 20175eKomi
I like that they take time to Answer all my questions and don't feel rushed when I talked to them.
Fast Track Debt Relief, Inc.
Thursday, February 1, 20185eKomi
The experience with Fast Track has been very easy and *** was very nice and professional, she made sure that I understood everything upfront.
Fast Track Debt Relief, Inc.
Thursday, October 12, 20175eKomi
Very professional and kind. It was hard to go this route because I've been in this situation about 8 years ago. You people are very kind and understanding.
Fast Track Debt Relief, Inc.
Tuesday, July 11, 20175eKomi
My experience has been both beneficial and it has relieved all of my stressors in regard to my dealings with my creditors. Everyone has been really helpful.
Fast Track Debt Relief, Inc.
Wednesday, May 3, 20175eKomi
I had been so over whelmed with being in debt and truly saw no way out. And with the help of *** and *** I am officially DEBT FREE. I cant begin to tell you how good this feels. And for some time...
Fast Track Debt Relief, Inc.
Saturday, June 10, 20175eKomi
What can I say!! Fast Track Debt Relief was a Blessing in Disguise and Life Saver for me and my family. With over $60,000+ in debt, we turned to Fast Track Debt Relief for assistance. They set up...
Fast Track Debt Relief, Inc.
Saturday, April 28, 20185eKomi
Great Service,everything was explained to my understanding.
Fast Track Debt Relief, Inc.
Monday, September 18, 20175eKomi
Andrea Scott has been more than just helpful. She has explained everything completely. She has answered all of my questions. Great service.
Fast Track Debt Relief, Inc.
Wednesday, January 17, 20185eKomi
This process so far makes me feel so much relief. The staff has been extremely kind and helpful.
Fast Track Debt Relief, Inc.
Thursday, September 14, 20175eKomi
I think Nelson Casas explained everything to me and made my decision very easy. Thank you ***
Fast Track Debt Relief, Inc.
Thursday, March 1, 20185eKomi
It was a wonderful experience dealing with *** @ Fast Track Debt Releif. Very helpful in every way. Thanks again
Fast Track Debt Relief, Inc.
Sunday, March 4, 20184eKomi
It was a pleasure to find that there is some one that still help the one that really need it. And take the time to listen and to exlpain thing so that you can understand.
Fast Track Debt Relief, Inc.
Wednesday, January 3, 20185eKomi
To date it has been quick, courteous and mind relieving. Thank you so much for working with me to resolve my debts.
Fast Track Debt Relief, Inc.
Friday, October 6, 20175eKomi
Every one that I had contact with were knowledgeable and experienced. Their willingness to make sure that I fully understood every part of what I needed to know to participate in the program.
Fast Track Debt Relief, Inc.
Friday, December 8, 20175eKomi
My experience with Fast Track thus far has been superb. I felt very comfortable going through the process.
Fast Track Debt Relief, Inc.
Sunday, June 25, 20175eKomi
Something unbelievable but true this program really helped me a lot so far
JUN 17, 2016, FRIDAY
How to Create a Budget and Start Saving Now -Debt Relief Programs


Debt Relief Programs | Fast Track Debt Relief

How do you build a budget that enables you to get out of debt? It can seem impossible. But as the ancient Chinese proverb states, “The journey of a thousand miles begins with a single step.” Your journey to debt-free life begins with simple steps that add up to significant results.


Starting Your Debt Relief Journey


There are several steps you need to keep in mind, and the first is to make yourself a space to tackle your debt. It may sound simple, but having a regular workspace to go to when you need to figure out your budget can help you focus and stay disciplined.


You'll want to figure out what your income is first, but this breaks down into a few steps:


  1. This should be simple enough for those with salaried jobs, but what if you work part-time, hourly, or at multiple jobs? Your pay may vary week-to-week. If so, organize your paychecks over a longer period of time. Figure out what's representative of what you make - and be realistic.


There's no use denying realty to make yourself feel better. Be completely honest at this stage and it'll be better for you in the long-run. The key at this stage is to organize yourself. You'll also need to start keeping all your paycheck records in one place.


  1. Figure out your income with taxes subtracted. This is the money with which you can work.

Next, figure out regular payments – for your home or apartment, car, health insurance, debt repayments, etc. Deduct these from your monthly pay. The goal here is to create a realistic picture of exactly the income you're making every week, month, and year.


  1. If you work hourly or multiple jobs where the hours fluctuate, come up with at least two different models:


  • An ideal model. This assumes everything goes as you expect..
  • An emergency model. This factors in the possibility of weeks where your hours are cut or that you are unable to work. Hopefully, you won't have to fall back on this more pessimistic model, but if you do, you're prepared.

You’ve figured out your income and your outgoing expenses. Now you can begin to lay out a personalized plan:


  1. How much do you have left for groceries and gas money? What's left over for an emergency fund? Can you put anything into savings? Again, be realistic here.


  1. Once you've figured out your plan, set goals – what do you want your budget to look like in a month, six months, a year? Set achievable goals (e.g. have $X in your savings, contribute 2% to your retirement fund).


  1. Save receipts, write down costs, and either use a paper ledger or a spreadsheet (OpenOffice has a free spreadsheet tool) to record expenses.                                                                                                                                                                                                                                                                                 
  2.  Look for areas where you can cut down. Some suggestions:


  • Instead of going to a movie for $10 or more, rent a movie from RedBox for $1.
  • Rather than paying for cable or satellite that can cost upwards of $100 a month, opt for a streaming service for 1/10th the price.
  • If you're going to a theme park that will cost $50 per person, consider going to the beach or hiking in a state park for free.
  • Skip the food truck or cafeteria at work and make a few days' lunches ahead of time at home.


Being frugal doesn't mean your lifestyle has to change dramatically – you're still watching movies and TV, you're still spending a day out with friends or family, and you're still enjoying lunch every day. Being frugal doesn't mean cutting every luxury out entirely; it just means you need to make wise choices so the things you enjoy cost less.


  1. Revisit your budget regularly. As you keep a budget over weeks and then months, you'll be able to make adjustments for what happens on the fly. Maybe it's a good week where you get extra overtime, or maybe it's a bad week where your hours are cut. Don't hide from your budget either way; record it all so that you can spend or scrimp wisely. Best of all, revisiting your budget regularly will help you learn your own tips and tricks, and you'll notice and police your own habits better.


  1. A 50/30/20 budget is a wise way to go. After taxes, consider 50-percent of your budget going to essentials – groceries, housing, utilities, insurance, transport, childcare, and loan payments. Then, 30-percent can go to wants – a meal out, a deposit in your vacation fund, a new outfit, etc. The final 20-percent is dedicated savings and debt repayments.


Of course, it's not one-size-fits-all. Some may find they only pay 40-percent of their incomem to needs. In this case, direct more toward savings and debt repayment. Some may find they pay 70-percent or higher on basic needs. This, unfortunately, means cutting into those wants. Remember, it’s a short-term sacrfice that yields great results in the long-run.

It’s incredibly easy to make a great budget – that just doesn’t work for you. You may follow it for a week, and then forget about for months. A budget only works if you stick to it until you get out of debt - and beyond.

If you need help, Fast Track Debt Relief has a series of debt relief programs. Each is tailored to individuals because everyone has different circumstances, needs, and goals. Our debt relief programs are geared toward helping people get out of debt over time and to nurture situations where paying for a home, a car, having good credit scores – all of it is accessible to you again. Call us and ask us about our debt relief programs and how we might help you.

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"Fast Track's Debt Relief financial specialists can give business owners the peace of mind that comes with knowing that the effort has been made to have business debt problems finally settled with Fast Track's help."
Rebecca G.
"The staff was great. They treated me with the upmost respect and answered all of my questions in a timely manner. Thank you!"
Janet A.
"Thank you so much. I never meant this to happen. I felt so bad inside; I always tried to pay my bills. Thank you for all of your help. I do not ever want more credit cards."
Ginger J.
"Thanks so much for your help!! I am so glad this is all over!!"
Melissa H.
"The people of Fast Track are very concerned with the client. They are life changing in our case. Thank you."
Joe L.
"Thanks to all your staff; for the many girls and boys I've alked to. They were always so helpful to answer all of my questions and concerns. I would highly recommend this company to help others in need. Thanks again!"
Tanis P.
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