Does Where I Live Really Make a Difference in my Auto Insurance Rate?

A lot of people wonder what factors are used to determine their auto insurance rates. It’s taken for granted that auto insurance companies will likely give you higher rates if your driving record is pockmarked with accidents, infractions and other black marks. Additionally, matters such as age, criminal history and the type of car you own are also taken into account. However, for one reason or another, consumers don’t always understand the affect moving away can have on their auto insurance. They say location is important in real estate, but it can be just as vital in auto insurance. Even […] Read more »

Why do so Many Americans Rely on Social Security?

As I checked up on Twitter Thursday morning I noticed that “social security” was a trending topic. Very rarely do you see a trending topic that has any real life value, so it was for this reason I decided to see what all the fuss was about. You don’t have to be Democrat or Republican to know that Social Security is bankrupt. This is a non-partisan issue, or at least it should be. Some seem to believe that reform is not only needed but necessary, while others think it should just be left alone. Regardless of which side you tend […] Read more »

My Interview with Perkstreet Financial CEO Dan O’Malley

Today I wanted to share with you a very special interview with Dan O’Malley, the CEO of Perkstreet Financial. As most of you know, I write for the Perkstreet blog, but am also a very happy customer. I’ve never before experienced such wonderful customer service and support  from a bank ever before and the perks we receive from everyday purchases on our debit card are an extra plus. I’ve banked with Suntrust, Bank of America, among other financial institutions and believe I have finally found the bank that not only says they care about my future, but proves it. I […] Read more »

I Need Your Help — Enemy of Debt Nominated for Best Debt Blog!

Happy Labor Day weekend everyone!! I hope you are having an awesome and safe weekend. I won’t take up too much of your time and get straight to the point. Enemy of Debt has been nominated for Best Debt Blog for the second annual Plutus Awards. That’s why I need all of you to take a few minutes to vote for Enemy of Debt! I can’t pull it off without you! You have until September 22nd to vote! Vote now! It doesn’t take long to vote, and you don’t have to vote in every category for your vote to count […] Read more »

Life is so Beautiful, Why Waste it Shackled with Debt?

As I stared into the beautiful face of our newborn, Hannah Rose, at 7:29 a.m. on Tuesday morning, tears of joy streaked down my face. All I could think about — besides how lucky I am to be blessed with such a wonderful family — was just how beautiful life really is. Those who know me know my children are EVERYTHING to me, and I wouldn’t want to waste a single moment of it unable to take advantage of the complete happiness that being a dad brings. Just like with anything else that travels through the depths of my mind, […] Read more »

Watch College Conspiracy (The Documentary Colleges Don’t Want You to See)

I've always thought college tuition was out of control so when I sat down to watch this documentary I didn't think I would be surprised by the statements made but I was wrong. Being that a college education is considered "good debt" I thought it would be a good idea to share this video with all of you. It's only an hour long but very eye-opening if you have bought into the lie that it's a good idea to go into debt for a college education. Who's responsible for most of the problems with education inflation? Read more »

Debt Free News #20 – Jenny of Ex-Consumer

Guess what folks! Debt Free Friday is back and today I want to congratulate Jenny from Ex-Consumer, and her husband for becoming debt free! Woo-hoo! That is awesome news for sure. For all of you debt free enthusiast out there, I hope you take the time to read this story of hope and freedom. Be inspired by Jenny and all those who came before her! You’re NEXT! Make your plan to become debt free and get down to business! We’ll all be rooting for you here at Enemy of Debt so be sure to drop by for motivation and some […] Read more »

Finding the Right Balance in Order to Succeed

Earlier this week, I submitted my article to Perkstreet Financial titled 6 Ways to Change Your Financial Math, Without a Calculator. It really digs into the psychological side of money and asserts that if you're struggling to turn things around by using math and book knowledge, you may be missing the bigger picture. I've said it before; just because you know what to do doesn't mean you will necessarily do it. I mentioned 6 things in the article that I think are far more important than math. They were attitude, behavior, contentment, balance, intensity, and diligence. My point was that by working on these 6 characteristics you might be much more likely to succeed financially. Read more »

The Resurrection of My Debt Free News From Debt Free Readers Series

Do you miss reading stories about regular everyday people becoming debt free? I do, which is why I want to try and get that series up and running again. I haven’t had a Debt Free News submission in quite some time, but I find it hard to believe that it’s because no one else has become debt free. Are you debt free? Share your story by answering a few short questions about your debt free journey so your experience may inspire someone else to start their own. The good news is you don’t have to wait for another submission to […] Read more »

Is Netflix Really the Devil?

DISCLAIMER: If you are not mindlessly deciding to stay in debt, I might not be talking about you. 😉 Are you upset at the recent price hike announced by Netflix? Is seems a lot of people are lighting the torches and grabbing their pitchforks so they can lynch the once beloved company.I have an idea. How about you get that mad about your debt! Seriously, you should torch IT instead. Wasn’t it Netflix that saved us from companies like Blockbuster? Wasn’t it Netflix that made it possible to watch as many movies as we could mail off and receive in […] Read more »

Understanding Need Versus Want

Understanding Need Versus Want Understanding a need versus a want is the first step that we should all take when trying to get control of our spending habits and monthly budgets, but it’s often a step we skip. There’s a lot of rationalization in our reasons for spending the way we do and far too little self-introspection. It’s easy to differentiate between need versus want. The definitions are clear and if asked we could all, most likely, tell the difference. Where it gets difficult is in those moments where we’re not really thinking about how much we want something, or […] Read more »

July Love Drop — Help Felicity

The Love Drop team is at it again! Last month they gave over $5,000 worth of cash and goods to their recipient, the Aubin family, who was struggling financially after the passing of their dad, and this month they’re ready to do it again and help out another person 🙂 They’ve given out over $45,000 in the past 6 months, and show no signs of stopping. If you know of anyone yourself that could use their help, make sure to let them know. Watch the Aubin Family Love Drop Video! This month they’re heading down to Atlanta to help Felicity, […] Read more »

How to Avoid Debt as a College Student

This is a guest post. These days, it can take a considerable sum of money to attend college. However, the effort doesn’t have to break your bank account or put you into a considerable amount of debt. Here are some tips for helping you keep your finances under control. Save Your Pennies The sooner you start saving for college, the better. Parents can help support their children though options such as 529 plans, for which some states even offer income tax breaks. Remember, anything you’re able to save now, you’ll have to put toward your college education later. Academic Preparation […] Read more »

Motivation — Coping with “Slow to No” Progress

We became debt free in late 2009, which is when we officially started saving our big emergency fund. Here we are almost 2 years later, and we are back at square one — ZERO! This post has been a year in the making! The first year of debt freedom, we had $9,500 before it started to go downhill. We weren’t wasting our money on frivolous spending, but we added a new baby into our world as well as lost an income. If you add up all of the savings that has vanished in the last year that could have been […] Read more »