What We Learned About Finances Will Help us Lose Weight

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I’m not doing very well with my weight loss goal. As of last Friday, after over three months of effort I’ve lost a total of 1.1 pounds. I know the problem is that I struggle with eating too much. With the start of a new year, Vonnie also has made a commitment to be more healthy. We investigated several weight loss programs including Weight Watchers, which we have been a part of in the past and were very successful. We were literally putting our coats and shoes on to drive to a nearby center and enroll again when something stopped […] Read more »

13 Essential Things You Must Do When You Lose Your Job

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13 Essential Things You Must Do When You Lose Your Job

It stinks to lose your job!  Losing your job is one of those things that can completely upend your life, causing tremendous stress and a loss of confidence if you let it. Conversely, sudden unemployment can also be an opportunity for a new direction or a whole new career.  Either way, you have to take control over your situation if you want to move forward successfully. In this post I’ll show you 13 essential things you must do when you lose your job.  You’ll also discover some awesome resources that’ll help you find your next job or transition into a […] Read more »

Using Intermittent Spending To Stay On Budget

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A body builder friend of mine recently posted a link to an article that caught my eye. The article described a diet methodology called Intermittent Fasting in which a person would consume all their food for the day in an 8 hour window followed by 16 hours of fasting. This wasn’t just some person’s half cocked idea about how people should eat, there was actually some science behind it. The thought is that eating all the food for a given day in a short period of time more closely resembled how our ancestors lived. Prehistoric man would spend the day […] Read more »

Debt Relief Firms: Why Use One and How to Pick a Good One

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If you’re currently in debt and are considering working with a debt relief firm, you’re in good company. Many people just like you are turning to debt relief firms to help them create and follow a plan for freeing themselves from debt. But why would you opt to work with a debt relief firm versus trying to attack your debt on your own? And if you choose to work with a debt relief firm, how can you find one that will do a good job? Let’s take a moment to answer these questions and more. A Guide for Your Journey […] Read more »

Are You Making Excuses for the Money You Spend?

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spending too much money on shopping

Yesterday was Black Friday. Did you hit the stores at 4am? Were you one of the million of folks out on Thanksgiving to shop the stores that opened in the evening? Or maybe you are like me, you avoid stores on Black Friday (and the days surrounding it) like the plague! I wasn’t always this way, there was a time when I hit the mall bright and early on Black Friday. I was armed with nothing more than my credit cards and a large cup of coffee. The problem with my “plan” was that I didn’t have a list (and […] Read more »

No Restaurants in November 2011 – First Week Peek Plus Recipes!

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If this is your first time visiting last year I hosted my very own No Restaurants in November challenge. The point was to save some money and hopefully curb some bad eating out habits while being transparent about all of it. I revealed how much we spent in October of 2010 and our savings at the end of November. The challenger was a huge success in terms of popularity so I decided to bring it back every year. If you want to know more about it read No Restaurants in November 2011 – for the rules of the road. It’s […] Read more »

Shredded Cards, Weight Loss, and My Reality Series!

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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 »

Using What I Have Learned About Becoming Debt Free To Lose Weight

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Today is a big day for me. Today starts the beginning of a 3-month adventure that will hopefully turn into a lifetime of health and happiness. I just recently joined a team of five, four of the five being fellow bloggers, and we are trying to get our physical fitness under control the way we have our finances. The team of bloggers are Baker from Man Vs Debt, Paul from Fiscal Geek, Jessie from PF Firewall, and myself, and we are planning on winning the competition, which will pay the winning team $10,000!! I am excited! There is a fifth […] Read more »

When I’m Sick Of Being Fat, I’ll Lose Weight!

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Hello everyone! Recently, I wrote a post titled When You’re Tired Of Being Broke, You’ll Start Saving. If you’ve been a subscriber for any time at all then you know I rarely beat around the bush. I am straight to the point and sometimes that comes off as mean to some. It’s not that I am mean, it’s that I believe that the truth shall set you free. I don’t think that leaving a trail of rose pedals to the bedroom, and dancing around the ugly truth, will help you solve anything. If you know what your situation really looks […] Read more »

How to Get Out of Debt and Improve Your Mental Health

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Being in debt can be worrying enough, but when that debt becomes unmanageable, it can have serious consequences on your mental health, relationships and all aspects of your life. Unfortunately, in 2020 Citizens Advice estimated that 6 million Brits fell behind on their priority debts due to loss of income. They also estimated that the average person would take almost three years to pay back just these debts — assuming that they used their entire disposable income to do so. Managing Debt If your debt problems lessen, so will the feelings of worry. The road to financial freedom can be […] Read more »

Debt Consolidation Loans: Are They the Answer to All of your Problems?

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  Debt consolidation loans are often referred to as lifesavers for those that are struggling with their debt. Could they help your financial situation? When we are talking about debt consolidation, we mean using a loan to pay all of the other debts you have with other creditors. It is definitely an option you should consider if you are currently trying to manage your finances better. Making your debt into one single loan can have a lot of advantages. From improving your credit rating to relieving stress, let’s take a look at some of them in more detail. https://pixabay.com/photos/contract-business-document-sign-945619/ Easier […] Read more »

Moving Advice for the Smart and Frugal Renter

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Moving certainly isn’t on anyone’s list of “Top Ten favorite things to do in your spare time.” Quite the contrary, moving is a hassle, it can be expensive, and it can be stressful for your entire family. The American Moving and Storage Association estimates the cost of an interstate household move at about $4,300, and an intrastate household move at $2,300. But, with a little bit of planning, you can make the entire process easier on everyone (including your wallet). First of all, determine if moving into a new rental apartment is the right thing to do financially. People move […] Read more »

Navigating The Pace of Debt Reduction

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Happy Wednesday, EOD Nation!  I have a very special guest post for you today from friend and fellow blogger Prudence Debt Free.  She’s been a regular visitor to Enemy Of Debt for what seems like as long as I’ve been writing here.  Once I followed the link to her site and started reading I was hooked.  Today, she brings her story to Enemy of Debt.  Enjoy the post, and give her some comment love – then go check out her blog.  You’ll be hooked too! DD3 = Third dear daughter DH = Dear husband DD2 = Second dear daughter DD3’s […] Read more »

I Love You Like a Blogger Roundup – 2/28

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My employer announced another round of layoffs yesterday.  Thankfully I am still employed, although it did have me thinking again about how fragile our finances are.  Even though we are making strides to improve our overall financial picture, if I lost my job as a software engineer, we’d be pretty screwed. I guess all I can do is keep making those improvements, and continue to be the best engineer I can be, constantly learning and growing as I go. The whole situation has me in a bit of a funk, so my fist pumps may not be as forceful as […] Read more »