Enemy of Debt is expanding and that is great news for you!

Over the past 3 years I have loaded the archives with my passionate and very opinionated approach to personal finance with obvious attention put on debt freedom, but there are many different approaches and strategies out there.

Now I think it’s time to highlight those differences in one place. You’ll still get my in-your-face advice and opinions but now you’ll get a variety of other viewpoints to help you find the one that’s right for you.

Brad Chaffee

I am the owner and creator of Enemy of Debt. I believe most people disregard the most crucial factors hindering them from becoming debt free which is why I choose to focus on dealing with the psychological side of money as opposed to the math. Our behaviors are our biggest obstacles to successfully managing our money and I like to face those behaviors head on. I make no attempts at sugar coating the truth and believe that if we face the person in the mirror we will defeat and change the habits and behaviors that put us in debt in the first place.

Personal responsibility is key in transforming our financial behaviors to enjoy the life and freedom we truly deserve. I believe YOU are the solution and Enemy of Debt is the guide. We’re currently debt free (including the house), credit card free since 2008, and happily renting until we save enough to put 100% down on our “dream” house. (Which for us isn’t a dream because we’ll have it, but because it’s paid for!)

My advice to you would be to become debt free and truly start living. We’ve got your back!

Clair Schwan

Hello, my name is Clair Schwan and I’m happy to be a contributor here at Enemy of Debt where Brad and I share a “debt be damned” attitude. I’ve been completely debt free since 2005 and I self-retired at the age of 49. Not everything on my resume will show a “charmed life” with respect to personal finances, but much of it is worth sharing to help others steer a better course for themselves as they navigate the turbulent waters of personal finance. I’ve gone from ready to self-retire at age 36, to flat broke in just a few years, to being back on top financially and self-retired as a result of eight years of hard work and focused savings. It’s been a roller coaster ride in many respects, but one that’s been a great teacher for me. I’m here at EOD to share with you the good, the bad, the ugly and the bizarre, all in the hopes of helping you learn from my experiences. When not lending a hand here, I’m the host of www.Frugal-Living-Freedom.com where the motto is, “…living well, and well within your means….” Good fortune to all my frugal friends out there seeking the financial freedom they so richly deserve.

Ashley Barnett

I am the owner of Money Talks Coaching. I want to help you get the most out of your money. Any life change is hard, but money permeates every aspect of our lives, so financial change can be the hardest change of all. Honesty, goal setting, and baby steps lead the way to what may be the biggest change of your life. Our culture is rooted in commercialism and debt. Financial freedom lives on the flip side of this thinking. Going to work every day to pay for things you don’t need is not freedom. Real freedom comes when you get control of your money and your life!

Paul E. Puckett

I am the Founder of the Whole Investor Network and Author of Investiphobia: Overcome Your Deepest Investment Fears. I have been in the financial services industry since 1987 and have worked with people as a loan officer, trust officer, private client advisor, insurance agent, broker, and investment advisor. I am still active in the industry but the focus of my time has shifted to helping investors live their lives without the impact of fear. I am a student of human behavior and you can expect my posts to focus less on numbers and more on how we, as humans, are affected by our emotions when we make decisions about money and investing. Ultimately, only you can address fear. It is my goal to provide you with the information you need to identify and eliminate your fears relating to money and investing.

Travis Pizel

Lack of communication and a sense of entitlement are major contributors to families racking up large amounts of consumer debt. Families need to learn how to talk to each other openly and honestly about their finances, realize how financial missteps will affect them for the rest of their lives, and conclude that a “have it all, right now” attitude can only lead them down a path filled with financial problems. Over the last two years, my wife and I have learned to value people, relationships with people, and personal experiences far above material possessions. Through my contributions to Enemy of Debt, I will share with you the experiences, struggles and successes of my family as we simplify our lives, learn to open the lines of communication, and fight our way out of debt. Personal Blog: Our Journey to Zero  CareOne Blog: My Journey Out of Debt

Suzanne Cramer

As a CareOne Debt Relief Services Blogger, I use my personal money management experiences as well as my professional experience as a Certified Credit Counselor to help others put debt in perspective. People need to understand that there are options for dealing with debt; real, credible and effective alternatives to bankruptcy. More importantly, people need to understand how those debt relief options work, the risks and the rewards, so that they can make informed decisions when choosing to tackle their debt.

I plan to share advice on recognizing your debt is problem, assure you it’s ok to talk about it, and provide you with the tools you need to get started; whether it is on your own or with the help of a debt relief provider.

Jessica Streit

My entire adult life has been partnered with debt. I just assumed it was always going to be that way. In 2010, I found myself unemployed, in $35,000 of debt, living with my mom and without a car. I didn’t know how to live without the ability to charge what I needed (and usually what I wanted too).

I began The Debt Princess as a means to stay accountable for my debt. I wanted to show that I could fix this horrible position I had gotten into. While I did find that benefit, I also found that I others could benefit by hearing my story. I started writing about What NOT to Do with your finances and am honored to say; many people were inspired to make changes in their own lives.

My goal continues to be teaching others What NOT to Do while making the right choices myself and becomming free of consumer debt by the end of 2015. I hope to share my experiences as a member of TeamEOD.

Meadow DeVor

Meadow DeVor is a Master Certified Money Coach who has devoted her practice to helping her clients create a healthy relationship with money. She believes that everyone has the power to transform their lives, find their own financial freedom and create a better relationship with money by changing the way we think. She has been a guest on The Oprah Winfrey Show and her articles have been featured in Women’s Day Magazine. She is known for her take-no-prisoners approach to coaching, her radical authenticity, and most of all… for her giggle. She is committed to doing serious work while making it as fun as possible. She’s the author of Money Love – A Guide to Changing the Way You Think About Money. She writes a popular blog, video blog, and podcast about money, love, life and other stuff. You can read more of her work at www.MeadowDeVor.com. Chat with her on twitter or Facebook.

Join us and together we can change the status quo because normal is STRESSED OUT!

Jana

I’m Jana and I make mistakes so you don’t have to. That should be my personal slogan. Throughout my adult life, I have made more poor financial choices and decisions than should be allowed. But in 2006, when I found out I was pregnant, my husband and I decided that it was time to deal with the situation we’d created and attack it to give our daughter the best future possible.

I started my site, Daily Money Shot, as a way to talk about all the mistakes I’ve made and to share my thoughts and views on money with the masses (sorry, masses). Along the way, I tell personal stories about my journey into and out of debt and how I continue to work hard to manage my finances. My hope for my contributions here at EOD is that they let you know you’re not alone in what you’re going through. Many of us, myself included, have been there and we’ve come out on the other side.