7 Tips on Saving Money on Your Auto Insurance Without the Risk!

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This is a guest post from the folks at 21st Century Insurance. Perfect timing too because I just renewed my auto insurance and saved myself by using two of the below methods. My total savings for 6 months of coverage dropped by nearly $50. I raised my deductible and change my coverage to better reflect our situation. $50 may not seem like much, but it brought our final insurance quote below $400 for the six month term. I’ve been paying over $400 since I have been with my provider so I was really excited to hear it dropped some more. […] Read more »

Please Stop Saying: “I Don’t Make Enough Money To Do That!”

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Do you often find yourself repeating the words that so many people spout when referring to their financial abilities? I know I have been guilty of using this phrase in my younger years. “I don’t make enough money to do that!” Those words, whether you realize it or not, condemn you to inactivity. They pave the road to nothingness because, quite frankly, if that is your response, then you are in essence claiming that there’s nothing else you can do. That is a mistake, and a tragic one! If you work your butt off at your main job, but you […] Read more »

Pay Off Debt By Saving Money

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How often do you mindlessly pay whatever price the store is asking? I’m not even one of those hardcore coupon clippers that spend hours each week laboring over countless newspapers, but I do believe in getting bargains most of the time. Quite honestly, I’m just as guilty as you are about sometimes ignoring possible savings out of mere inconvenience. I sometimes wonder how much I would have saved if I wasn’t so impatient. What if finding and using coupons was actually convenient and less time consuming though? How much faster could you pay off your debt, build that emergency fund, […] Read more »

Ignorance is the ONLY Reason You Continue to Accumulate Debt!

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I want to have a little fun today! I hope the title got your blood pumping enough to want to give me a piece of your mind!! I have had this in mind for quite some time, so I think I have waited long enough. I want to introduce a way for you to share your thoughts about anything financially related. A few months ago I acquired a phone number for a new service called Google Voice. Google Voice ROCKS! So the first thing I did was pick a number. I didn’t get exactly the number I was looking for […] Read more »

How I Saved $168.17 On A Recent Purchase!

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Are you looking to save lots of money by getting huge bargains on merchandise? I don’t know many people that would say no to that question, but I want to make something clear right from the beginning. I’m not an advocate for mass consumption, especially just because you are able to get a huge discount. I am of the opinion that if you need something, it’s just really nice to save money in the process. Today, I am going to share something with you that I have found to be a great resource in helping my family and I save […] Read more »

The Debt Free Game Giveaway!

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Happy Friday everyone! Today I am giving away two (2) copies of The Debt Free Game!! This game isn’t to be confused with my recent giveaway and fundraiser of the “I’m Debt Free” game. This is a completely different game, and one that I know you will also enjoy. One of the major differences is the fact that this game is a little more kid-friendly and interactive. It’s also much cheaper and comes with FREE shipping. Total cost: $22.00. I have to admit, we weren’t making a very great effort to sit around the kitchen table to enjoy a family […] Read more »

Why I Hate Free Money

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Hey guys! I was planning on writing a post for you today, but as I started writing a really bad thunderstorm hit us. My power is flickering and there’s no telling whether or not we will lose our power. Instead of taking a chance I thought I would share this great guest post from my buddy Chris Moore from Fickle Finance. I am back from vacation and our family has finally fully recovered from bronchitis so I am hoping to post a little more regularly. Things have been crazy to say the least. Show Chris some love and I will […] Read more »

The Power of Momentum

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This is a guest post written by Jesse from Personal Finance Firewall. For those of you that haven’t heard, Brad, a few other bloggers around here, and I joined a weight loss challenge back in May. The challenge was to lose as much weight as possible within a three month time span. The prize was great, and the excitement fueled us. Brad, along with every other member of the five man team, jumped right into the challenge and started pumping iron, playing hockey and hiking up mountainsides..it was and still is an incredible group to be a part of. I […] Read more »

What is Your Approach to Vacation Spending?

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  Hello everyone! Last week my family and I went to North Carolina for a short vacation. My wife has family in Florida that has been planning this Nags Head trip for about a year. When they first started planning, we were asked if we wanted to make the commitment which would of meant a down payment for the luxurious cottage a block from the beach. As most of you know, last year at this time, my wife and I were in the final stages of paying off our debt, so we could not make the commitment that was needed. […] Read more »

Why The Heck Do You Need Life Insurance Anyway?

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This is a guest post from Aaron at Clarifinancial. I was emailing with Brad last week when he suggested I write a guest post. “It would be nice to share with my readers the importance of getting life insurance to begin with,” he said. With that goal in mind, I’m going to try to tap into some of that Brad-passion to explain to you why the heck you need life insurance anyway. I normally ramble in some emotional deep-water metaphor type of stuff, so this will be different. Look, you make money, you own things, and (if you’re reading this […] Read more »

The Big Brothers Big Sisters Fundraiser is Ending

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Hello everyone! I just wanted to let you all know that I am ending the Big Brothers Big Sisters Fundraiser early. Today will be your last chance to buy an I’m Debt Free game or donate money without buying a game. If you buy a game, $10 of your purchase will go to Big Brothers Big Sisters. The original announcement. Click here to purchase the I’m Debt Free game! Email me at freedom {at} enemy of debt {dot}com if you are interested in donating money without buying the game. So far, including my $100, I will be giving BBBS $214.00! […] Read more »

Personal Finance for Beginners: A Lesson from Oseola McCarty

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So many people are intimidated by the concept of managing their money. It almost seems as if the very idea that we can be in control of our money is just a made up fairytale that only a few get lucky enough to take advantage of. Many believe that wealth is out of their reach and only something the top money earners get to experience. The myth is that you have to earn a lot to build wealth. I would like to introduce you to a woman who rejected that notion. Her name is Oseola McCarty, and she is a […] Read more »

Tips on Keeping Your Car Insurance Rate

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This is a guest post from the folks at 21st Century Insurance. We are all required to have auto insurance, so it’s nice to know what we need to do in order to keep ourselves from spending more money than we have to. My favorite tip is the last one, mainly because I know I am guilty of assuming. In fact, when my insurance is set to renew I plan on asking for a better rate! 😀 Keep your Car Insurance rate where it belongs. If you’re like many of us, car insurance represents a big chunk of your household […] Read more »

The Cold Hard Truth: Debt is STUPID and You Might Be Too!!

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Seriously…This is Where Behavior Meets Reality! Are you in debt up to your eyeballs and wondering how come you just can’t get ahead? This may surprise you since I do not know you, but I do know the answer. It’s real simple and really not a secret, especially here on Enemy of Debt. Wanna hear it? DEBT IS STUPID!! Plain and simple, and if you have debt then it could be said in all seriousness that you have been stupid too. The act of going into debt for ANYTHING is stupid, with the exception of mortgage and most of you […] Read more »