CAUSE & EFFECT
Enemy of Debt: Where Behavior Meets Reality
Motivational Money Management
CAUSE & EFFECT
It’s basically as simple as this. If you don’t have debt and lots of payments, your income becomes a tool for you to plan, give, build wealth, and save! Often people try to get out of a problem by fixing the symptom instead of the problem. If you are struggling financially and you are wondering why, add up all of your debt payments. In most cases the solution will be right in front of you. If you had $1,000 more a month to spend because you didn’t have the car payments, you would be able to pay that high interest credit card off – super fast!! The credit card is not the problem only a symptom!
Tags: Cars, credit, debt, Money Management, savings
About Brad Chaffee






Team EOD consists of 8 talented writers each bringing you a different style and approach to personal finance. Our goal is to encourage and inspire you to take control of your money and learn about the benefits of debt freedom. Some of us are debt free and some of us are still on that journey. Regardless of where you are on your path to freedom we want to help you where we can. Please don't hesitate to use the contact page if you have any questions or just want to say hi. We would love to hear from you!
Your journey starts today and Team EOD has got your back! Meet Team EOD
Hello and welcome to Enemy of Debt! I founded EOD in April of 2008 in an effort to motivate and inspire financial discipline by focusing on behavior and truth. By teaching personal responsibility, debt free principles, and the importance of planning people can learn how to take control of their finances one step at a time. I want to help! :)
My journey to debt freedom and financial independence began in January of 2008. We became sick and tired of living paycheck to paycheck and were finally mad enough to take action. At that time, we did not have any savings, knew very little about budgeting and were buried under $26,076.75 of debt.
In the first two months we were able to throw together our very first emergency fund ever of $2,000. It took us only 18 more months to eliminate the retched debt from our lives and I can proudly say we never plan to borrow another dime ever again, for any reason.Read more

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