What Will You Sacrifice for Freedom?

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C-H-A-N-G-E. People hate it! People hate having to change anything, sometimes regardless of the benefits that lie ahead. Change is uncomfortable and sometimes a little scary. The fear of having to face something unfamiliar can often paralyze us into inaction. Sometimes change is forced upon us and sometimes the choice is our own to make. So whether we like it or not, change is a very big part of who we are. We may as well embrace it. In terms of personal finance, change is constant. And when it comes to debt change can save you from financial destruction. Nobody […] Read more »

The Power of One Small Step

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A wise man once made me a shirt that says, “Debt Sucks!” And you know what, it sure does. It sucks the energy out of your body. It sucks the fun out of your life. And it sucks the money right out of your budget. Finding the courage and will power to make a change with your finances usually comes at a moment of frustration and depression. My own moment came when I was at, what felt like, the lowest point in my life. I was unemployed, living with my mother, 2 years post divorce, broke, in debt and without […] Read more »

Fully Funded Emergency Fund – Do It Your Way!

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Go Get You An Umbrella! You’ve reached baby step 3!  You now have NO DEBT except for your house, and are ready to beef up your savings.  Congratulations! You are climbing a mountain and are two-thirds of the way up.  Can you see the top?  Pretty soon you will be at an overlook that you at one time thought was impossible.  Keep moving forward! There may be times when you feel as if you are moving too slow, but just keep moving!  Now isn’t the time to stop!  Now you should be more motivated and here’s why.  When you were […] Read more »