The Danger of Marketing

Written by on January 31, 2012 · Leave a Comment
taking risk

According to the American Marketing Association, the definition of marketing is “the activity, set of institutions, and processes for creating, communicating, delivering, and exchanging offerings that have value for customers, clients, partners, and society at large.” Basically, the purpose of marketing is to let you know about the products and services companies offer that have value for you. The first problem with marketing is that the catch phrases are often misleading and may cause you to buy inappropriate and expensive products. The second problem is the marketing message may blind you to the reality that no product is, in itself, [...] Read more »

Tags: , , , ,

The Psychology of Getting Out of Debt

Written by on January 9, 2012 · 22 Comments
freedom

One week ago many of you started working on your financial resolutions for 2012. Hopefully those of you with debt resolved to put together a solid plan to destroy it once and for all. There are many factors that go into the process of debt elimination but one that is often overlooked or underestimated is the psychological side. Anyone can say they want to become debt free but it’s our emotionally-driven behaviors and attitudes that will grant us final passage into the world of financial freedom. Math is only a very small component in the game of debt yet it’s [...] Read more »

Tags: , , , , , ,

Where Do You Focus When You Invest?

Written by on December 13, 2011 · Leave a Comment
Hand

Let’s have a little fun and begin with an exercise. Begin by taking a break and go sit anywhere outside. Once your comfortable, take your hand and hold it about a foot in front of your eyes. It’s probably been a while since you really looked at your hands so focus for at least a minute on every detail. Study your nails or the lines in your skin for at least a minute. This next step may be challenging but it is critical that you keep your focus on your hand without allowing your eyes to refocus. Now while focusing [...] Read more »

Tags: , , ,

Shredded Cards, Weight Loss, and My Reality Series!

Written by on February 3, 2011 · 20 Comments

Hello everyone! I do not say this enough, but THANK YOU for reading and continuing to support Enemy of Debt! It really does mean the world to me. This week I received an email that really makes what I do here COMPLETELY WORTH IT! “Hi Brad, Marvelous site! “Enemy of Debt” has not only saved me a tremendous amount of money, but the peace of mind from the extra money in the bank has been life changing! I have been captivated by your blog because the posts are relevant and touch all the ‘real’ areas of my life. Your motivation [...] Read more »

Tags: , , , ,

Your Interview With Local Psychologist Dr. Matthew Bowen Part 3

Written by on June 17, 2010 · Leave a Comment

Okay so here we are. The third and final installment of my interview with Dr. Matthew Bowen. I hope it helps answer some of your questions and inspires you to take a more in depth look into your financial behaviors. Be sure to check out part one, and part two if you haven’t already. Thanks! I have been working on this interview with my Psychology of Money and Wealth Professor, Matthew Bowen, PhD, to take a deeper look into why we misbehave the way we do with money. He graduated in Berkeley, California in 1986 and is a licensed psychologist. [...] Read more »

Your Interview With Local Psychologist Dr. Matthew Bowen Part 2

Written by on May 20, 2010 · 1 Comment

As many of you already know, a few weeks ago I published Your Interview With Local Psychologist Dr. Matthew Bowen Part 1. I told you that I received so many questions that I had to break the interview down into three parts. Here’s the second installment. I will be wrapping it up with part three either next week, or the week after. Stay tuned for that. I am doing an interview with my Psychology of Money and Wealth Professor, Matthew Bowen, PhD, to take a deeper look into why we misbehave the way we do with money. He graduated in [...] Read more »

Your Interview With Local Psychologist Dr. Matthew Bowen Part 1

Written by on May 5, 2010 · 27 Comments
brain

Have you ever wondered why you behave the way you do with money? Perhaps if you haven’t you should, because getting and staying out of debt is all about your financial behavior. The way I see it, there are tons of “mathematicians” out there that are “in debt up to their eyeballs”. In a recent article I wrote called Becoming Debt Free Is 99% Intensity and 1% Basic Math, I made the case for why becoming debt free was more about your behavior and attitude, than it was about doing math. So if you really want to get out of [...] Read more »

The Psychology of Money and Wealth

Written by on December 4, 2009 · 18 Comments

The results of my research for my guest lecture to the class: The Psychology of Money and Wealth. I was researching material for this lecture and came across this question. What stops people from succeeding financially, and having ongoing prosperity in their life? The answer is something I have addressed many times on this blog. The answer is believing that it is not possible to succeed financially, or even be prosperous in other areas of your life. A persons attitude about money is the number one hindrance to acquiring wealth and prosperity. Your attitude affects your behavior, and your behavior [...] Read more »

Tags: , ,

An Inconvenient Myth: The Marketing Effect

Written by on June 10, 2009 · 3 Comments

  This is a guest post by, well…we’ll just call him Mr. Joe for privacy reasons.  Mr. Joe is a jack-of-all-trades, and writing happens to be one of the many.  He’s been my mentor, and a very influential part of who I have become over the last 5 or so years. When he asked me if he could write a guest post for EOD, I was honored, and considered it a privilege.  Perhaps after reading this you will want to see more from Mr. Joe, because it is indeed a wonderful piece. De-mythologizing the Language of Debt You can use [...] Read more »

Tags: , ,

Motivation 101 – What You Believe, Is What You Achieve!

Written by on June 4, 2009 · 14 Comments

Dawn and I have been going back and forth for days now.  I wanted to share with you the difference between her and I, mainly by pointing out why I think she is wrong in her thinking.  Her thinking is how most people look at it, and what I am trying to do here at EOD is to show people that there is another way that provides more options.  I believe that more options translates into a higher success rate.  A lot of people limit themselves by not realizing their options.  I think Dawn dwells on the problem instead of [...] Read more »

Tags: , , , , , , , , ,

Motivation 101 – YOU CAN DO IT TOO!

Written by on May 12, 2009 · 6 Comments

Are You Motivated? Chances are, you often feel overwhelmed with your financial situation, and like most, you want to do something about it.  There are many things that keep us from doing what we know we should do.  Time constraints, lack of energy, procrastination, depression, and even addictions to name a few.  One that people rarely consider is negativity from the people around them.  People will rain on your parade in a second once you start talking about quitting something they too are doing.  Whether it be shopping, smoking, going on a diet, exercising, or changing your financial habits, people [...] Read more »

Tags: , , , , , ,