“Sorry I Couldn’t Tip More, But I’m Broke”

A Little Background Information I work for tips, well at least for the moment anyway.  I have been working at Papa John’s for going on 4 years, and it has been VERY good to me.  I deliver in the UVA area so business is usually better than in other parts of Charlottesville.  It’s flexible, EASY, and I have made some great money, especially when my wife was going through Nursing School.  It has allowed me to spend lots of time with my little man, Isaac, over the years, and to me that is better than any monetary rewards. Here recently, […] Read more »

12 Steps To Debt Freedom

I am addicted to becoming and staying debt free! Are you addicted to becoming and staying debt free? If so, these are the principles and ideas that you would follow to achieve such a thing.   You have probably heard about the 12 steps of Alcoholics Anonymous, and how they really help these folks cope from day to day.  I just created 12 principles very loosely based on those of AA, with a debt free spin. I really just got the idea of where and how to list them, and then I just started thinking of all the things one […] Read more »

Are You A Super Saver?

Are You Looking For Ways To Save Some Money? We are!  Here recently we took a trip to a neighboring city just for that reason.  We jumped on the interstate, and headed about 30 miles west, to visit a store that has deeply discounted food.  My wife loves going here but I have been a little hesitant because of the fact that some of the food is past the expiration date.  I have always been a little finicky when it comes to this sort of thing, and that does include leftovers in the fridge past a few days old.  You […] Read more »

Debt Free Addicts Anonymous #1: Super Savings Edition

6 Saving Money Articles To Help You Get Financially Fit! My number one goal here at EOD is to empower you when it comes to your finances.  When you have knowledge, you have control!  With that said, my plan is to give you some extra nutrition for your financial diet, from a variety of sources.  Let’s face it, there are tons of great PF bloggers out there that you can benefit from, so go check them out, and learn as much as you can to help you in your new journey to financial fitness! Now go get some knowledge! Saving […] Read more »

Looking To Make Some Changes This Week

Time For Change! I am really hoping to make some changes to Enemy of Debt this coming week.  The plan is to find a theme, free or paid for, that will make your visit to Enemy of Debt better, as well as make some other changes and additions.  Time to put the navigation bar out of it’s misery!  Finally!! Goals: Change Theme Create a list of links that will help you go to the articles that you most want to see, depending on your stage in the process. Put together a list of outside resources.  (calculators, budget tools etc.) Those […] Read more »

A Destructive Mindset: Is This What You Believe Too?

Becoming Debt Free Is Priceless Indeed I was reading an article yesterday titled, Debt-Free: Priceless, and the one and only comment on this article blew me away!  Seriously, the comment brought me to my knees, like kryptonite did Superman!  Back to the ice cave! The article talked about what a Federal Bankruptcy Judge was doing to combat the destructive nature of credit card abuse, that possibly led people to his courtroom to declare themselves bankrupt. “John C. Ninfo II, a federal bankruptcy judge, has founded the Credit Abuse Resistance Education (CARE) Program, www.careprogram.us, a national initiative to teach high school […] Read more »

Some Bash Dave Ramsey, But Why?

  Every so often, I run into a blog that bashes Dave Ramsey and what he teaches.  If you are loaded with debt, and you don’t know who Dave Ramsey is, then maybe you should take this opportunity to get to know him.  Don’t take my word for it, and especially do not take the haters word for it.  Learn for yourself, and find out why Dave is actually changing people’s lives! You might be surprised at what you find out! Who Is Dave Ramsey? Dave has made it his mission to help people avoid, or get out of tough […] Read more »

Your Children Will Handle Money, The Way You Handle Money

Money Management In Public Schools? I recently read an article that talked about how Cincinnati Public Schools plan to start teaching money management classes, in grades K-12, starting in 2014.  Now on the surface, this doesn’t sound like a bad idea, but I think that there is another way of looking at it.  Personally, I believe that while teaching kids about money is important, I think that it is more important to know who’s ideas about money management are being taught. My objection isn’t that money management will be taught, it’s about what that will include.  If they are just […] Read more »

Sometimes Just Knowing What To Do Isn’t Enough!

Broke Financial Gurus?  No Way! It’s true!  You can be considered an expert, but that doesn’t mean you will not struggle with the process itself.  It doesn’t mean that discipline is automatic. and most of how you handle your money is behavior anyway.  We know exactly what it is that we need to do, and why, but even we still have problems when it comes to following through at times. Why is that the case?  For starters, we are human which means we can mess up, and to me there really is no other explanation needed.  Whether it’s impulse spending, […] Read more »

Reader Rewards Program Winners!

  Reader Rewards Program Winners From Last Week The mission was clear!  I wanted to hear from you about what it was that you wanted to see in the future, as well as your advice on improving EOD.  There was a great response, and I am very pleased to announce that we have lots of winners.  About midweek, I decided to give my friends over at My Total Money Makeover some incentive to join in on the fun.  I offered up 2 Enemy of Debt t-shirts to bring a few over to leave some feedback.  Here’s what I am giving […] Read more »

Got Credit Cards? Here’s Another Reason To Say Goodbye!

  There are some that are so adamant about the fact that credit card companies are NOT bad, and do NOT take advantage of consumers.  I disagree, and I think that an article I came across from dailyfinance.com proves otherwise.  For the minority that have the discipline to not carry a balance, you will be okay, but for the rest of you who use credit cards to subsidize your income, you might want to consider cutting the cord! The article states that, “credit card companies are insisting upon exercising their right to abuse their customers in the name of higher […] Read more »

3 Proven Steps To Debt Freedom

        I receive a lot of emails asking me “where do I begin?”, so I decided to write this blog about just that.  One of the most overwhelming feelings for most is in the beginning, when things are not very clear, and you do not know where in the world to start! You are not alone,  and like MANY others, I have been there too!  There is a reason why it is overwhelming, so I want to discuss some prerequisites before we get started with the 3 Steps To Debt Freedom. Prerequisite #1 – You must STOP […] Read more »

Where’s The Budget? Download Here For FREE!

  More than expected, I have received emails about finding my budget download, so I wanted to post it here one more time.  For the record my FREE budget download is in the right sidebar, as well as in the navigation links above.  I realize my navigation links are kind of hiding above but I do plan to address that issue very soon.  Web design is certainly not my specialty, but I will be working on it. I am planning to give my site a transformation to allow all of you a more friendly experience when you visit.  What I […] Read more »