The American Dream Is Only As Good As Your Plan To Achieve It

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Go to www.daveramsey.com/fpu to learn more! Decisions, Decisions! The American dream is to own a home, but at what cost?  Should you sacrifice financial security just to buy a home?  Should you take advantage of creative financing in order to bypass the red flags?  Should you buy a home if you have absolutely no savings and no down payment?  The answer is NO to all of the above.  If you attended the Town Hall For Hope event then Dave Ramsey attempted to teach us a new word.  That word is “NO”. His point was that we need to learn how [...] Read more »

11 Keys To Building Wealth For Generations

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  DOWNLOAD THIS BUDGET – I created this budget to give people the tools needed to budget effectively.  Budgeting is very important and I have received many emails about how it has helped people with the process.  Give it a try and see what you think! FOLLOW THESE 7 EASY STEPS TO BUDGETING – Proven methods to help you beat the budgeting blues.  So many people, including myself, have started a budget and before the month ends the budget is busted. It kills your motivation and desire to budget, and before you know it you are right back to your [...] Read more »

Are You Getting Bit By Snakes?

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When You Ignore The Warnings, Getting Bit Shouldn’t Be A Surprise! On my way home tonight I heard on the radio some hissing from people getting upset because Credit Card companies have started to rattle their tails.  It started near the end of last year when credit card companies started lowering consumers credit limits, to no doubt protect themselves from the possibility of continued economic decline. The following article excerpt sheds some light on the problem this is causing for people: “Texas-based flight attendant Lilli Durbin used to have six credit cards (my emphasis added), which is fairly typical for [...] Read more »

Debt-ception – Why Do We Fall For The Lie?

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Debt-ception Is Everywhere! The use of debt is rampant and highly irresponsible.  Because we think the good outweighs the bad, we allow ourselves to justify its use.  We tell ourselves that it is okay because it is helping us, ignoring all of the signs of its destruction.  We have replaced good old fashioned savings for the servitude and hardship that debt brings us.  In my opinion we have done this because we have forgotten that no journey worth taking is easy.  We have lost hope in our lives and in ourselves, but I know how to get that back.  Learning [...] Read more »

One Year Anniversary!!

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Hey Everyone! On April 5th, 2008, I was inspired to start my very first blog ever!  The mission was simple.  Spread the word about living debt free!!  Three months earlier we started our Total Money Makeover and discovered through the process, a little thing called HOPE!  It was such an invigorating experience as we watched our habits and financial situation transform before our eyes. Around the same time I started the online version of Financial Peace University and a passion started pouring out of me like never before.  I finished watching every lesson and passed every test within about two [...] Read more »

Just Say NO To Debt CONsolidation!

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Once a month I may get something from a company that wants to partner with Enemy of Debt in some way. The one I received today was a little different but not really.  She claimed to read a blog of mine, but maybe she needed to read more of them before contacting me.  Her company was nothing more than a debt CONsolidation and negotiation company.  My response was respectful, but to the point. The OFFER: Hi! I was checking out an article called “I Hate Debt, What About You” on your site www.enemyofdebt.com, and was thinking that I have a [...] Read more »