Enemy of Debt: Where Behavior Meets Reality
Motivational Money Management
We are getting ready for our annual family vacation. We've been taking one family vacation a year for the last 5 years. It's a fun tradition for which we save up all year. Here are some ways we keep costs down and fun up. Drive Rock it old school family vacation style and load up the station wagon, or minivan, as the case may be. Sure, gas isn't cheap but it's way cheaper than buying a family's worth of plane tickets. Read more »
On the first day of Christmas my habits gave to me: One Empty Wallet On the second day of Christmas my habits gave to me: Two-hundred Sales And one empty wallet. On the third day of Christmas my habits gave to me: Three Reasons to Shop Two-hundred Sales And One Empty Wallet. On the fourth day of Christmas my habits gave to me: Four Credit Offers Three Reasons to Shop Two-hundred Sales and One Empty Wallet. On the fifth day of Christmas my habits gave to me: Five New Credit Cards Four Credit Offers Three Reasons to Shop Two-hundred Sales [...] Read more »
3 loooooooong weeks ago I posted the Kill Off Your Debt $500 giveaway. Hopefully you entered to win! If not, keep your eyes peeled open for my next giveaway in December. Then I will be co-hosting the 3rd annual Brad & J’s Christmas Stimulus 2011, where we show our appreciation for all of you. The giveaway went great and it was really fun to read all of the great things you would do once you’re debt free. Thank you all for participating!! After 533 entries — including 19 blog post entries and approximately 144 tweets — a winner has been [...] Read more »
My family started a new hobby this weekend and we are totally hooked! Geocaching. It’s completely free and a total blast. If you’ve never heard of geocaching it’s a world-wide treasure hunt. You can sign up for free at geocaching.com and there are lists and lists of hidden caches. (The caches are the treasures.) You can search by zip code to find ones near you. Each treasure has coordinates that you can plug into your GPS that will bring you within feet of the cache. Then you have to use your noggin. So far I’ve found three. They were an [...] Read more »
Okay, I’ve been racking my brain about this reality series idea. The more I brainstorm the more awesome I know it will be. I need your help though, and I am giving away THREE BOOKS to the reader who helps me come up with a name for this reality series!! I NEED YOUR HELP! Here’s what I have (that I can reveal) and what I need from you — my loyal debt hating readers and soon-to-be audience members of the greatest blog reality series in blog history. What I Know (subject to change as new ideas or challenges arise.) Competition [...] Read more »
What is in the air this holiday season? I am feeling especially festive right now so I decided to break the news in a little song. haha! Maybe I had way too much fun coming up with ‘Twas the Night Before Christmas! Then again, I could have had too much eggnog, but who cares. The important thing is that I’m sharing it with you. I was recently asked to be a part of something I couldn’t say no to. Actually it was more like I injured myself just trying to respond. Okay, I didn’t really injure myself but I will [...] Read more »
‘Twas the night before Christmas, when all through my mind Not a buck to my name, not a one I could find; My credit cards are maxed out; but I still need to flaunt’em. While I stand there and watch my finances hit bottom; The children were cozy all snug in their beds, Not a clue in the slightest of the danger ahead; Their beds could be repo’d, or even their pet, We borrowed for everything; and now we’re in debt. A reality check is in order but who will it be, to open my eyes and help me face [...] Read more »
Photo Credit: Memory_Freak Jeff is one of my favorite bloggers. I love his passion and desire to get his family out of debt, even if it means he has to sacrifice himself in the process. This is the act of a selfless father and loving husband. An act that comes from wanting to make the family stronger. Becoming debt free is all about your family! This is why I wanted to write Jeff from Deliver Away Debt into the awesome PF Comics series put together by Fred & Jeremy over at Credit Card Daily. This comic also features and/or draws [...] Read more »
I want to have a little fun today! I hope the title got your blood pumping enough to want to give me a piece of your mind!! I have had this in mind for quite some time, so I think I have waited long enough. I want to introduce a way for you to share your thoughts about anything financially related. A few months ago I acquired a phone number for a new service called Google Voice. Google Voice ROCKS! So the first thing I did was pick a number. I didn’t get exactly the number I was looking for [...] Read more »
Happy Friday everyone! Today I am giving away two (2) copies of The Debt Free Game!! This game isn’t to be confused with my recent giveaway and fundraiser of the “I’m Debt Free” game. This is a completely different game, and one that I know you will also enjoy. One of the major differences is the fact that this game is a little more kid-friendly and interactive. It’s also much cheaper and comes with FREE shipping. Total cost: $22.00. I have to admit, we weren’t making a very great effort to sit around the kitchen table to enjoy a family [...] Read more »
PURE AWESOMENESS! Yesterday, Enemy of Debt was introduced to the comic strip world for the first time! Back in February, I sent the creator of the Personal Finance comics an email, suggesting an Enemy of Debt character. Every comic has a villain and since he writes for a credit card site, I thought Enemy of Debt would play the part nicely. He liked the idea, and even took it one step further by asking me to write up a storyline. Having never written anything like that before I was a bit nervous, but I jumped right on it. I submitted [...] Read more »
Today I decided to present you with my version of Are You Smarter Than A 5th Grader with an EOD twist of course. What I want to know though, is Are You Smarter Than The United States Government? On the regular…I hear average people complain about the current state of our economy. I hear average people complain about Government spending and how wasteful and inefficient it is. I hear average people complain about the rising U.S. debt, which is now over 12 trillion dollars. I hear average people complain about the U.S. budget which seems to be compiled of massive [...] Read more »
I was born on February 8th 1975, and today I am 35 years young. Being 34 wasn’t bad at all, in fact as the years pass me by, they seem to get better and more fulfilling. Some people have a problem with getting older, but not me. I welcome the added wisdom, knowledge, and experience of the previous year, and am ready to move on to bigger and better things. Age is nothing more than a number. Live life, love life, and enjoy it while you can—become DEBT FREE! In 1975: Gerald R. Ford was President – President Ford escaped [...] Read more »
Hello my awesome EOD readers! I am very excited to announce something that I have been thinking about for some time now. It’s called “The 50 Plates In 50 States Project”. Basically, I think it would be SUPER COOL if someone in every state declared their hatred for debt the way that I have. As some of you know, I have already done this myself. So what I envision is for 49 of you, one from each state with the exception of Virginia, to eventually get a personalized plate that reads: Once you have done this, be sure to email [...] Read more »
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
