Why I Want to Help Others Live Debt Free

by | Feb 15, 2013 | Debt Free

For the past few years, I have seen debt literally tear up families. I’ve never struggled with debt myself. I tell myself that the reason is because I taught myself discipline and self-control. Yet, in all honesty, there are a lot of reasons why I am not in...

Debt is Cyclical

by | Jan 21, 2013 | Avoid Debt, Debt Free

It was just the other day that I was reading about a friend of mine’s debt. He was talking about the upcoming expenses that he is likely to incur and how he is going to prepare for them, one of which was his monthly car payment. He is currently paying two car...

Best Financial Practices for an Organization

by | Dec 29, 2012 | Avoid Debt

In the past month, I have slowly adjusted to working a new job at a non-profit. I am currently working in Operations for a small organization and so it means that I am in charge of any and all of the day-to-day items. This includes both website maintenance and also...

Getting Used to Debt

by | Nov 22, 2012 | Avoid Debt, Debt Free, Pay Off Debt

Have you ever heard someone say, “Oh, it’s only this much debt!”? Or maybe, “It’s not that big of a deal.” While I maintain my hatred for debt and do everything I can to avoid debt, there are many people who get used to it. Living...

Basic rules of avoiding debt online

by | Oct 31, 2012 | Debt Free

I know firsthand it’s hard to stay debt free and many of my friends laugh at how committed I am to living within my means. What they don’t understand is the freedom I experience in owing absolutely nothing, and how hard it can be to dig your way out of debt...

Staying Out of Debt with Insurance

by | Oct 27, 2012 | Avoid Debt

While many people perceive financial despair and bankruptcy as a result of bad decisions, the truth of the matter is that many similar situations arise because people are not adequately covered in case of extreme situations. Whether it is a flood that is not covered...

Balancing Debt Payoff and Living Life

by | Oct 19, 2012 | Pay Off Debt

While my wife and I are currently debt free, I know that many of my readers struggle with knowing how much to pay towards their debt and how much to cut back on their lifestyle. When my wife and I just got married (and were not making any significant amount of money),...

Should you Finance Vacations?

by | Oct 15, 2012 | Avoid Debt

Everyone enjoys a nice vacation. If you are working a stressful job that makes you feel entitled, you may want to get away for a week or two. It’s not always easy to save up for vacations and it’s definitely takes work to find cheap vacation ideas these...

Basic Rule to Use Credit Cards and Avoid Debt

by | Oct 8, 2012 | Avoid Debt

Using credit cards can be a major temptation. Some people, in order to avoid debt, freeze or cut up their credit cards. It is better to get rid of the temptation, than live with it – in their eyes. Yet, as you know, I don’t think that’s the best...