Have you ever sat on a three-legged stool? It’s amazing how stable it is! It doesn’t rock or shudder, but always remains firmly planted on all three legs.

And so it is with personal financial security. When all three legs are properly installed and consistently maintained, your futures continue to remain bright and hopeful.

The three legs or requirements for personal financial security are to get out of debt, save for retirement, and secure your future.

(1) Get out of Debt. This is an attainable part of the American Dream. Indeed, it is an attainable part of any longing, striving, working human being. Look into the possibility of consolidating all your consumer debt into one lower payment. “Interest rate” is not as important as how much interest you will actually pay. Excellent resources are available to find ways to accomplish this. Look for “simple interest” loans ion preference to “amortized interest”. Repayment will take less time and if done bi-weekly, will be even faster!

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(2) Save for retirement. Use the “market”, but don’t get caught up in “playing” the market. “Learn the Rule of 72”. Study the principles of dollar-cost averaging. Stable investments with good track records are your best choice over time. Compound interest will do phenomenal things for you when allowed to work and grow.

(3) Secure your future. You will do many things and wear many “hats” during your lifetime. It is up to you to make sure that the fruits of your efforts are allowed to grow to maturity. This is done with the purchase of an adequate amount of term life insurance that is maintained at least until your investments exceed your life insurance face value amount. At that point you can decide if you will keep the insurance or invest the premiums in other profitable areas.

When getting ready to consolidate and/or refinance, know your credit score. This can be obtained through http://annualcreditreport.com

Put your financial future on stable and sturdy ground, using the three-legged stool for an even balance. Start today. Contact your personal financial advisor for more information.

Bob Curtis has a bachelor's degree in Psychology, and has been writing about the elements of relationships for a number of years. He is the manager of the Essential Sunshine Association, a new website for positive relationship development at essun.blogspot.com.