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Debt Reduction Program - Finding The Right Program For You
Find the right debt reduction program begins by asking yourself some key questions. Once you have identified your situation and goals, you can pick the program with the best results.Ask Yourself Some QuestionsWhat kind of debt are you dealing with – mortgage or credit cards? How manageable are your monthly payments? How soon do you want to eliminate your debt? Answers to these questions will greatly determine which debt reduction program will best meet your needs.Reducing Interest RatesI recently re-mortgaged our house, sold all my shares, emptied the savings account, drained the kids’ Trust Fund…. and put it all on the favourite in the 2:30 at Newmarket.

Of course I didn’t! That would have been complete madness, and dicing with financial suicide. Putting absolutely everything you have on one horse is an example of bad money management – albeit an extreme example, but it got your attention didn’t it?

Yet all too often the average punter is guilty of bad money management. On a much lesser scale admittedly, but is it any wonder that the average punter loses money betting on horse racing? I am often asked by my members “how much” they should put on each bet, “do I have a staking system?”, or “how soon can I give up my job and just bet on the horses?”.

It seems plenty of people like to pay lip service to managing their betting bank-roll, but it never ceases to amaze me how so many people are still acting so recklessly with their money when it comes to betting. It strikes me that the perennial losing punter is a little like the over-weight bloke, who sets out on January 1st with every good intention of losing his beer gut. He has a few salads, maybe even pays a visit to the gym. But more often than not come February he is back to his comfortable eating habits, and the weight continues to pile on.

It’s often the same with the average punter – he has developed bad habits that have, over time, contributed to a steady flow of money out of his bank a

g you have on one horse is an example of bad money management – albeit an extreme example, but it got your attention didn’t it?

Yet all too often the average punter is guilty of bad money management. On a much lesser scale admittedly, but is it any wonder that the average punter loses money betting on horse racing? I am often asked by my members “how much” they should put on each bet, “do I have a staking system?”, or “how soon can I give up my job and just bet on the horses?”.

It seems plenty of people like to pay lip service to managing their betting bank-roll, but it never ceases to amaze me how so many people are still acting so recklessly with their money when it comes to betting. It strikes me that the perennial losing punter is a little like the over-weight bloke, who sets out on January 1st with every good intention of losing his beer gut. He has a few salads, maybe even pays a visit to the gym. But more often than not come February he is back to his comfortable eating habits, and the weight continues to pile on.

It’s often the same with the average punter – he has developed bad habits that have, over time, contributed to a steady flow of money out of his bank

ting on horse racing? I am often asked by my members “how much” they should put on each bet, “do I have a staking system?”, or “how soon can I give up my job and just bet on the horses?”.

It seems plenty of people like to pay lip service to managing their betting bank-roll, but it never ceases to amaze me how so many people are still acting so recklessly with their money when it comes to betting. It strikes me that the perennial losing punter is a little like the over-weight bloke, who sets out on January 1st with every good intention of losing his beer gut. He has a few salads, maybe even pays a visit to the gym. But more often than not come February he is back to his comfortable eating habits, and the weight continues to pile on.

It’s often the same with the average punter – he has developed bad habits that have, over time, contributed to a steady flow of money out of his bank

o amaze me how so many people are still acting so recklessly with their money when it comes to betting. It strikes me that the perennial losing punter is a little like the over-weight bloke, who sets out on January 1st with every good intention of losing his beer gut. He has a few salads, maybe even pays a visit to the gym. But more often than not come February he is back to his comfortable eating habits, and the weight continues to pile on.

It’s often the same with the average punter – he has developed bad habits that have, over time, contributed to a steady flow of money out of his bank

pays a visit to the gym. But more often than not come February he is back to his comfortable eating habits, and the weight continues to pile on.

It’s often the same with the average punter – he has developed bad habits that have, over time, contributed to a steady flow of money out of his bank account and into the coffers of his local bookmakers. To become a winning punter he must change his ways.

Let’s examine some of the bad betting habits that contribute to an unhealthy bank balance:

1. Poor value bets

Let’s imagine you go into Tescos and pick up a tin of baked beans from the shelf. At the check-out the spotty 17-year-old scans the tin, and says “four hundred and seventy-eight pounds sixteen pence please, sir. You hand him your debit card, key in your PIN number and stroll out of the store. Ridiculous? Of course it is – you wouldn’t pay whatever price the store decided to charge. So why do so many punters take whatever price is on offer about a horse they fancy?

The answer is simple – they have no idea what a good price about the horse should be. We are all familiar with a tin of beans, we have an idea of how much it is worth, and we can make a decision what we will and will not pay. But when it comes to backing horses, probably the only limit most punters will place upon themselves is never to back odds-on.

This self-imposed rule can in itself be a fallacy – if you offered me 4/5 odds-on about a horse with a 4/9 odds-on chance of winning, I wo