Save Your Grocery Budget by Shopping At Home First

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It was Saturday morning, and I was going through my usual meal prep process for the coming week, making a grocery list in parallel. I was just about to head to the grocery store when I realized I had forgotten something. I had forgotten to shop at home first. Shop At Home First I had seemingly done everything right in my process. I had planned meals for the entire upcoming week, and then made a list of everything I needed to make those meals. What I should have done first was go through my cupboards and refrigerator to see what […] Read more »

These Are the Times!

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“These are the times that try men’s souls!” These often remembered words of Thomas Paine were written in “The Crisis” a series of articles published during the American Revolutionary War. On December 23, 1776, when Paine wrote these words he described in detail the time of the revolution. He began the closing to this article with the following quote: “I thank God, that I fear not. I see no real cause for fear. I know our situation well, and can see the way out of it.” Despite the drastic and incomprehensible moves of the market, with all indices falling substantially […] Read more »

Christmas is Coming, Will You Be Ready?

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Here on Enemy of Debt, I have made it a point to get people to think ahead, especially when it comes to Christmas. In 2009, I challenged all of you to have a Debt free Christmas by preparing for it early instead of last minute. Today's post comes from Tyson Morgan and promotes the same idea of being prepared for something that happens every single year. Nope, Christmas is not an "emergency", although far too often, people are putting Christmas on plastic because they failed to properly plan for what's become a MONSTER CONSUMER HOLIDAY. I love sharing different perspectives from different writers, so I hope you enjoy today's post. Will you have a Debt free Christmas in 2011? Read more »

When Your Financial Plan Takes A Detour It Doesn’t Imply Failure

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They call it personal finance for a reason. Each individual plan, will at times need a tweak here and there depending on your circumstances.  Today I want to share with you how we have taken a detour, but for good reasons.  No plan is bad as long as you are reaching your financial goals in the process. As most of you know, this Wednesday, we will be introduced to our new little man Noah.  This has caused us to re-evaluate our goals as it is related to our current place in our financial plan. We have recently become debt free […] Read more »

Investing For Retirement – Do It Your Way!

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Funding Your Retirement Should Be Exciting You have climbed the mountain and are at the top!  You have eliminated your debt and now have your fully funded emergency fund in place.  When life happens to you, you will be ready!  I am proud of your persistence and determination because most people either cut corners, or decide to do nothing at all.  Not you though!  You are on a roll, and since momentum is on your side, there are some things you need to start doing to be ready for retirement. As some of you know, Dave Ramsey suggests that you […] Read more »