Do You Justify Your Purchases? What About The Bad Ones? A few weeks ago, I was sitting at home watching some T.V. with my wife, after watching 27 inches of snow fall. We were snowed in the day before, and could barely get around on day 2. It was the top of the hour so there was a news update, and that’s when I heard it. I almost couldn’t believe my ears but my wife confirmed what I thought I heard. We watched a news report that stated people were considering an upgrade to a 4WD vehicle—due to the recent […] Read more 禄
The Day I Killed My Credit Card
This article is dedicated to the blogger at Cash Only Living. She said she loved my site and invited me to check out one of her posts. I read it and liked it, but another article she wrote called “I Did It! No More Credit Cards!!” grabbed my attention even more. It inspired me to write something about how I felt when we paid off our last credit card. I decided to make it fun by turning it into a story. This has never been done here so I hope I don’t let you down. 馃榾 Read about when she […] Read more 禄
Debt Snowball – Staying Motivated While Paying Off Your Larger Debts
Are you finding yourself feeling frustrated or overwhelmed with paying down a large debt?聽 As I have recently become debt free myself, I understand completely.聽 Our last debt was approximately $9,000, and it took us what seemed like forever to eliminate it.聽 During that time, we often felt we were making little progress, mainly because the “quick wins” motivational boost we had been receiving from paying off our earlier debts was no more. I can’t stress to you enough how important those “quick wins” were to us.聽 I think I might have a solution to this problem that might give […] Read more 禄
Your Comfort Zone – Is It Really Your Friend Or Actually Your Foe?
Does Fear Keep You In Your Comfort Zone? “Move out of your comfort zone. You can only grow if you are willing to feel awkward and uncomfortable when you try something new.” ~ Brian Tracy About five years ago I had a conversation with my father-in-law that changed how I started making decisions.聽 It really didn’t happen overnight exactly, but it did happen. There was a time when I lacked confidence in myself and my ability that kept me from experiencing my potential.聽 I was told that I needed to step outside of my comfort zone, that I needed to […] Read more 禄
Have You Ever Had A DEBT FREE Christmas, And Will You Accept My Challenge?
An ‘Official’ Enemy Of Debt Challenge – Can You Have A Debt Free Christmas In 2009? You might think that a debt free Christmas is not possible, but it is!聽 Very possible!聽 You just have to think and behave differently with your money. With Christmas a little less than five months away, it’s time to start planning.聽 Actually, the best time to start is around February in order to decrease “wallet shock”.聽 (When you fund Christmas all in one month) We’ve all experienced it.聽 It’s when we realize in the 11th hour Christmas is upon us.聽 Usually it happens after […] Read more 禄
12 Steps To Debt Freedom
I am addicted to becoming and staying debt free! Are you addicted to becoming and staying debt free? If so, these are the principles and ideas that you would follow to achieve such a thing. You have probably heard about the 12 steps of Alcoholics Anonymous, and how they really help these folks cope from day to day.聽 I just created 12 principles very loosely based on those of AA, with a debt free spin. I really just got the idea of where and how to list them, and then I just started thinking of all the things one […] Read more 禄
As Seen On CNN.com
An Unusual Day In The Life Of A Part Time Blogger Well let me start by saying, WOW!!!聽 Today was an extraordinary day for me.聽 Two weeks ago I was contacted through my website by Jim Kavanagh, a writer for CNN.com.聽 When I woke up this morning I had no idea what I was in for.聽 Kavanagh wrote a terrific story called, Walking Away From Credit Cards, which highlighted the fact that some people have chosen to say NO to credit cards. I was quoted as saying, “Credit card debt is our biggest hindrance in being able to take care […] Read more 禄
EOD Deluxe Budget 2.0
EOD Budget has finally been upgraded!! (EOD Deluxe Budget Version 2.0) If you have been wondering where I have been, here is your answer.聽 I have been working hard to upgrade the EOD Budget so that your budgeting experience will be easier, better, and faster!聽 I have added lots of new features including an Allocated Spending Plan and a Checkbook Registry.聽 I have added some new content to the Savings Worksheets, as well as implemented a color coded system so you know what areas need your information.聽 Yellow cells are the only cells you need to enter your info […] Read more 禄
A Sacrifice Is Not A Loss But A Gain
Returning Thoughts I am in my car a significant amount of time.聽 I have tons of time to think about so many things.聽 One of the questions I find myself asking is “What in the world do people say when they see my car?”.聽 My first response is usually laughter because I imagine what people might say who would never be caught dead in such a car.聽 To make it even more amusing I have a sticker on my bumper that says, “Act Your Wage”, beside another “Anti-Debt” sticker. To me this makes TOTAL sense, but the average person might […] Read more 禄
Hitting A Home Run and Becoming Debt Free Are the Same!
7 out of 10 people live paycheck to paycheck without even blinking an eye. After all, it is what everyone else is doing right?聽 Have you ever tried to do a budget?聽 This blog is about telling your money what to do.聽 It is about getting rid of the debt that keeps you from enjoying life.聽 It’s about having a plan! Do you feel it’s just too late and you have no traction? I am going to show you exactly what it is like to become debt free!聽 I am quickly becoming a part of the winning team, and that […] Read more 禄