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Life can soon become a scary nightmare when you find yourself submerged in debt mire. You’ll certainly not feel like the happiest man on earth when the accusing fingers of your multiple creditors will point at you and demand the bucks. Almost all people in the United States of America have debt and they...
Continue Reading »Many people consider consolidating debt as a step in the process to eliminate debt. Debt consolidation is a viable option, but you need to understand what you’re getting yourself into. Before taking on a debt consolidation loan, make sure you understand the big picture. So What Is Debt Consolidation? Debt consolidation in the simplest...
Continue Reading »Why Going Out With The Guys Is Not An Emergency Ok, first of all, I need to say that I completely understand the desire to go out and hang out with the guys (or girls). But this is about priorities. Living the way you’re currently living has put you in the situation you’re in....
Continue Reading »With any debt elimination plan, you’re going to feel a sense of sacrifice. Depending on the size of your debt burden, this could last for a few months, or it could last for several years. Obviously, when it’s all over, you’re going to be excited and ready to party, but being 100% debt free...
Continue Reading »How To Develop A Spending Plan So what is a spending plan? I prefer the term “spending plan” over budget even though they’re really both the same thing. Budgets make many people think that they’re of scarcity and deprivation. Spending plan, on the other hand, evokes an image of being in control and living...
Continue Reading »Ok, so you’ve decided you want to get out of debt. Otherwise, you wouldn’t be here reading this site! You’ve already determined how much debt you actually have and you know where your money goes. Now, it’s time to set a debt elimination goal. Why do you need a debt elimination goal? Research shows...
Continue Reading »If you want to get out of debt, you need to know where your money is going. Without this information, you’ll never reach your debt elimination goal. So how do you figure it out? Simple. Track your expenses for a month or two! Seriously, get one of those little spiral notebooks that fit in...
Continue Reading »There are very few questions that are simultaneously as simple and complicated as the question “How much debt do I have?” Seems like it should be a simple question, right? But what gets included in the total? Credit card debt? Obviously. Car loans? Of course. Student loan debt? Probably. Mortgage balance? Ummmm… So what...
Continue Reading »Why You Need To Build An Emergency Fund Many people think they don’t need to build an emergency fund or don’t think they’re capable of building one. Whether you’re trying to get out of debt or not, building an emergency fund should be one of your highest priorities, above virtually any other financial goal....
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