Enemy Of Debt Goes Green! These days it’s impossible to turn your head 1 degree to the right or left without being bombarded by the “green” bandwagon. It has become the marketing slogan of choice and from the looks of it, it has been super successful. Companies have seemingly just had to add the green campaign to their product and people feel good about their purchases. Personally, I think people should adopt a conservation approach regardless of what politicians try to scare us into believing. Global Warming doesn’t have to be real for people to consume less and be more […] Read more »
Cash For Clunkers Revisited – Lesson To Be, Or Not To Be Learned, That Is The Question!
Debt For Suckers Government Plan – Did It Work? When the Cash for Clunkers program launched I could not believe the people that enthusiastically lined up at dealerships to receive their shackles. The feeling across the nation was that this was a good program that was going to help people. Help people go into debt during an out of control economy maybe, but help people it did not. I just could not comprehend such poor judgment in the minds of the very people complaining about record unemployment, rising interest rates, and a rising number of foreclosures. It just proves that […] Read more »
From Car Payment To Clunker To Upgrade
A Little History When we started our Total Money Makeover in January of 2008 with just over $25,000 in debt, not including our house, we made some extreme decisions. I only say extreme because most people looked at me like I was insane. The truth is that I was. I was insane to keep driving a car with a payment. We had a very nice 2004 Pontiac Vibe that we absolutely loved. It was a great car! The problem was that the car had a monthly price tag of $300 a month plus additional costs such as higher insurance and […] Read more »
Alleviate The Anguish Of Debt – Commit Yourself To A Frugal Lifestyle
This is a guest post from my good friend Clair Schwan from Frugal Living Freedom. I hope you enjoy it and please go over to his site and check out all of the great information he has worked hard to provide you. ENJOY! If you’re in need of help with your debt, you’ll likely need help with your approach to living as well. Debt doesn’t sneak up on us and capture us one day. It slowly creeps into our lives because we allow it to happen. Quite often our lifestyle has encouraged it, condoned it and promoted it. We are […] Read more »
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! Very possible! 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. Actually, the best time to start is around February in order to decrease “wallet shock”. (When you fund Christmas all in one month) We’ve all experienced it. It’s when we realize in the 11th hour Christmas is upon us. Usually it happens after […] Read more »
Individual Responsibility – A Challenge
Enemy of Debt And Frugal Freedom Living Team Up! Another friend of mine over at Frugal Freedom Living created a page (excerpts below) to highlight our similar beliefs on individual responsibility. Clair Schwan contacted me after reading a few of my articles and we talked about success, personal responsibility, and of course debt freedom. Clair is a good friend to have and has put together a very insightful website to help you see frugality in a different light. I know people that view frugality as something someone who is greedy and wants to hoard money partakes in. It’s quite the […] Read more »
11 Keys To Building Wealth For Generations
DOWNLOAD THIS BUDGET – I created this budget to give people the tools needed to budget effectively. Budgeting is very important and I have received many emails about how it has helped people with the process. Give it a try and see what you think! FOLLOW THESE 7 EASY STEPS TO BUDGETING – Proven methods to help you beat the budgeting blues. So many people, including myself, have started a budget and before the month ends the budget is busted. It kills your motivation and desire to budget, and before you know it you are right back to your […] Read more »
Myth: I Don’t Make Enough To Do A Total Money Makeover
You Don’t Make Enough Money To Manage It? I hear this excuse all the time. Yes, I said excuse, or you could call it a justification for not wanting to face managing your money. Either way you look at it, it is still a myth. Yes, it is true that you could do more faster if you made more money, but to say you can’t, simply because you think it is impossible to do so much with so little, is selling yourself short. I would argue that it is even MORE important for you to be on a Total Money […] Read more »