Enjoy What’s Truly Important This Holiday Season

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It’s Christmas Eve, all the presents are purchased and wrapped under the tree. It’s been whirlwind month of determining our gift list, watching our budget, looking for the best deals. What’s left is spending time with family, enjoying the company, and making memories. What’s left is the most important part. As a child, I was obsessed with the gifts under the tree. I would constantly go over my list, dreaming about what I would be opening Christmas morning. When I went back to school, I would compare with classmates what presents we received that year and made plans to get […] Read more »

9 Tips For Creating Discipline With Money

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9 Tips For Creating Discipline With Money

I frequently get questions from my readers about how to resolve their various financial problems.  The questions range from not being able to save enough, to tackling huge amounts of debt, to how to stop living paycheck to paycheck. One of the common themes I’ve discovered in the hundreds of emails I’ve received, is that most of those readers tell me the root of their problem is a lack of discipline. Lack of Money is Not the Problem Learning discipline when it comes to money is not always easy, but it’s necessary if you want to get ahead financially.  Many […] Read more »

7 Ways You Can Stay Motivated to Get Out of Debt

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7 ways to stay motivated to get out of debt resources

Over the years I’ve seen plenty of people get motivated to get out of debt, but they never end up following through with the process.  They are usually pretty fired up about getting out of debt and start out very motivated.  But not long after they start the process, their energy flags and it’s not long before they lose their motivation. I’ve seen a lot of other people make decent progress in paying down debt, but for whatever reason, they end up losing their focus and go back to their old habits, never finishing the get out of debt process.   How to […] Read more »

How to Talk Yourself Out of Debt By Creating a New Script

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How to Talk Yourself Out of Debt By Creating a New Script

Could it really be possible to talk yourself out of debt?  Can getting out of debt really be that easy? Actually, no, I don’t believe it is. Getting out of debt is not as easy as talking to yourself using the right words.  You have to take action as well. Even the bible says “In all toil there is profit, but mere talk tends only to poverty”- Proverbs 14:23   The Right Self Talk Helps But using the right kind of self talk can get you into the right mindset to change habits and get out of debt for good. […] Read more »

“I Don’t Have Time” and Other Budgeting Excuses You Can Fix Right Now

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budget budgeting excuses fix tips

I’ve been recommending doing a written monthly budget for many years now.  That’s not gonna change any time soon. Today I’ll cover what are probably the most common excuses for not making a budget.  I’ll give you tips on how to overcome those excuses, and provide you with a load of killer resources at the end to help get you moving forward.   Everybody Has a Budgeting Excuse Doing a consistent, written budget is the best thing you can do to start getting your finances under control.  When you start this valuable habit and stick to it, you’ll stop living […] Read more »

Buying a Home- Is it a Good Investment?

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Buying a Home Is it a Good Investment

Most people have been told at some point that buying a home is a good investment.  We’ve heard from our parents, the media, relatives, and real estate pros that buying a house is a good investment that will help you to secure your financial future. We’re told that investing in a home that appreciates over time will help you secure your golden years by paying it off in your younger years and leaving you without a house payment when your older.  It also provides you with a large chunk of money once you sell it and downsize to a smaller […] Read more »

“You Know You’re Broke If… “- 50 Ways to Know if You’re Light in the Wallet

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You Know You're Broke If...

If you’re broke, well, you probably know you’re broke.  Most of the time nobody has to tell you.  Even so, today I thought it would be fun to inform those who may be a little unsure by taking a look at the lighter side of being light in the wallet. So I made a list of 50 ways you know you’re broke. Because sometimes talking about money can be boring and you just gotta have a little fun!   You Know You’re Broke If… …Your latte’ bill is as vente’ as your car payment. …You comfort yourself by saying “Mo’ […] Read more »

Happy Independence Day 2009!!

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I hope everyone has a safe and festive Independence Day weekend! I also hope as you celebrate America’s birthday, you can think of it as more than just another extended holiday weekend. As a country who enjoys great freedoms, it is a very important day! Independence is defined as the state or quality of being independent; freedom from dependence; exemption from reliance on, or control by, others; self-subsistence or maintenance; direction of one’s own affairs without interference. For Your Country: Celebrate your independence and freedom, and honor those that sacrificed in order for you to have them.  Freedom doesn’t come […] Read more »

Happy Father’s Day!

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  HAPPY FATHER’S DAY! I just wanted to wish all you wonderful Dad’s out there a Happy Father’s Day!  With two children and another on the way, this day means a lot to me.  No, not because I might get a gift, or even because some people see it as “my day”.  For me, it’s so much more than that!  It’s great being a Dad!  To me every day is Father’s Day.  I love every special moment that I am blessed to have.  I make sure that I cherish every second.  In my opinion, my most important job is being […] Read more »

Looking To Make Some Changes This Week

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Time For Change! I am really hoping to make some changes to Enemy of Debt this coming week.  The plan is to find a theme, free or paid for, that will make your visit to Enemy of Debt better, as well as make some other changes and additions.  Time to put the navigation bar out of it’s misery!  Finally!! Goals: Change Theme Create a list of links that will help you go to the articles that you most want to see, depending on your stage in the process. Put together a list of outside resources.  (calculators, budget tools etc.) Those […] Read more »

When Are You Going To Have A Yard Sale?

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Today was the big day! We had a huge yard sale today, and we made an extra $220.  This was with NO big dollar items.  We had tons of stuff to get rid of and I am not even convinced that we got rid of everything possible.  I am pretty excited about our extra earnings from stuff that has been just hanging around our house. Could you benefit from an extra few hundred dollars? I am sure you could, so start looking around and plan that yard sale.  Fund that Emergency Fund or earn extra money to throw at your […] Read more »

Vote For Your TOP 5 Articles

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Hi!  Are you new to Enemy of Debt?  Even if you aren’t, I want to know what your TOP 5 favorite articles are.  Below is a list of my 10 favorite posts.  Read ONE post a day and then vote for your TOP 5 picks.  Leave your comments below! What did you like?  What did you not like?  What post was a runner up? Let me know! What If You Were Recession Proof? Poverty To Prosperity In F.I.C.O. We Trust Buying vs. Renting – What Should You Do? Ideas On How To Give Yourself A Raise Are Your Priorities Backwards? […] Read more »

Memorial Day Tribute

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Without those BRAVE men and women that sacrificed and paid the ultimate price, we would not be free to have what we have. Becoming debt free wouldn’t matter much without the freedom we have been given. We should all reflect on what kind of person it takes to fill those shoes, as most of us have no idea what sacrifice of this magnitude feels like. The families who have lost loved ones, my heart is with you! THANK YOU! GOD BLESS AMERICA! GOD BLESS OUR TROOPS!   Read more »