How to Be Debt Free is a personal finance blog that is here to help you do one simple and yet challenging thing: Be Debt Free, Avoid Debt, or Pay off Debt. They are three sides of the same coin, but can prove to be quite difficult. Avoiding and getting out of debt is important for anyone’s financial success. It means financial freedom and security. What else could you want?

What to Expect on How to Be Debt Free

You can expect fresh, up-to-date articles that deal with the issue of debt. This includes personal stories as well as practical advice. The idea is that you can learn to be debt free by learning from others and understanding why debt can be so destructive. I believe that once you understand that you don’t have to live your life in debt, constantly worrying about if you are going to miss a payment or fall further behind, you will start to work to get out of debt as fast as possible and avoid it at all costs. It won’t be easy, but it is worth the time and effort.

Who am I?

So, who am I and why am I so special? Well, I currently don’t have any debt and I have a large enough emergency fund to prevent that from ever happening. Before you think that I make lots of money, I will be clear that I don’t make that much money. I prioritize my spending and as a result, am able to buy a car in cash when I need it. I am not pressured to live paycheck to paycheck. I know the benefits of living debt free and I want to help others both get out of debt and avoid debt all together.