Why No Debt = Freedom

Many of my friends laugh at my commitment to stay debt free. Part of the reason is that they don’t want to think about how hard it will be for them to get out of debt. You see, they are carrying tens and tens of thousands of dollars in debt from their college...

Pros and Cons of Debt Consolidation

Many people who are in debt often turn to debt consolidation for a viable way to get out of it. While I don’t have concrete information, I am starting to think that many people consider this because it is the popular thing to do. Whether that is because they...

Does Over-Confidence Lead to Debt?

Do you feel like you have it all together? Perhaps you are not spending money on unnecessary things, saving extra money, putting money towards retirement and seem to have it all together. But, before you admit that this may be you, you should ask whether this will put...

Unnecessary Spending – How to Avoid it

One of the most difficult things for people to do when attempting to pay off debt or start saving more is to cut out the unnecessary spending.  For many people this type of unplanned spending quickly uses up the majority of their extra money each week so they are...

How to Live a Debt Free Life

Believe it or not, you can live a debt free life.  In fact, there are many individuals out there who are proud of the fact they are able to live a debt free life.  However, it is challenging, especially with the cost of things today.  Here are some tips on how to be...