“Wherever the most exciting new ideas of the next century come from, it will almost certainly be from someplace we don’t expect.”
― David Graeber, Debt: The First 5,000 Years
DID YOU KNOW?
The average American household spends 34% of their gross income on interest to debt.
Everyone wants to be free from debt, but few knows how to maximize their payoffs most efficiently for their unique situation.
At Skene Financial we understand that your money cannot serve two masters. You can’t invest in your future with dollars that are paying for your past.
That’s why we start with education on the different methods that have existed for decades to eliminate personal and business debt.
Using exclusive Debt Free Life software developed in our home of Asheville NC, we can create a personalized debt elimination report, and provide clear information on how to eliminate debt faster and save on interest.
Book Your FREE Consultation Today
You Have Nothing To Lose But Your Debt
FAQ’s
When should I begin?
As soon as you are ready to start paying off debt! It’s simple to get started – begin by filling out our short form and schedule your free consultation.
What can I expect during my free consultation?
For the first free consultation will discuss your existing debts, interest rates, principal balances and all current payments you’re making towards debts. Skene Financial will then use our exclusive Debt Free Life software to break down the amortization schedule for each debt to find the point where more money will be going to principal, rather than interest.
What are the advantages of Debt Free Life?
The main advantage of Debt Free Life is putting you back in control of your finances by eliminating debt. You will also reduce the amount of interest paid to lenders while accruing funds in the cash value component of a whole life insurance policy.
How much does Debt Free Life cost?
By redirecting overpayments or discretionary income into the cash value of your policy, you become your own bank and pay off debts with no additional out-of-pocket expenses. Premiums for whole life insurance, like other types of life insurance, depend on your age and health at the time you apply.
Is Debt Free Life a consolidation plan?
No, Debt Free Life is for people who are paying off their debts on time and trying to find a more efficient way to pay them off faster. We redirect your inefficient dollars to fund a specialized whole life policy with our exclusive software to create the most efficient strategy.
Will Debt Free Life impact my credit score?
As you pay off debts with the guidance of a certified Debt Free Life consultant, your credit score may improve. There are no credit checks required when applying for a life insurance policy.