Changing Your Behavior Requires A Paradigm Shift

What Is A Paradigm Shift? As defined, is ¹) a fundamental change in approach or assumptions, and ²) the acceptance by a majority of a changed belief, attitude, or way of doing things. What if your way of thinking changed completely?  Would your behaviors change as well?  People are afraid of change, but change for the better should be nothing to fear! Change is growth and maturity, because if you are not changing you are not learning. Learn to change and you will be amazed at what you can do!  Become a butterfly! Check out these four articles from four […] Read more »

The Time Is Near – Wish Me Luck!

Hello everyone!  As some of you know I am speaking at a college this Friday, for one whole hour, to a group of ladies about budgeting, saving, student loans, and buying a home.  I was asked to speak about those topics for people who are just starting out, and I said yes, while a little but very loud voice screamed NOOOOOOO!! Fear caused me to want to say no, but courage caused me to step outside of my comfort zone to get things done.  If I want to get better at communicating my message, saying YES was the only answer.  […] 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 »

My Mission Is To Be Debt Free And Fat Free

I Have Been Busy Hello everyone!  Sorry about the slow week, but I hope to make up for it this week.  I have been busy with other projects and was even able to take a trip down south to visit my sister and her beautiful children.  (I even had a little trampoline fun while I was there.) I have some updates for you.  Here’s what you can expect from Enemy Of Debt this week: Monday – I upgraded my car, and I am pretty excited to tell you about it.  Yep, the blue rocket has been retired, but for good […] 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 »

Enemy Of Debt Christmas Challenge #2 – “Help Your Neighbor” Christmas Stimulus

A Debt Free Christmas Is A Stress Free Christmas The first challenge I put out there was to make it through this Christmas WITHOUT accumulating ANY debt at all.  That’s right, a NO credit card Christmas.  I received such a great response to that post I wanted to step it up a notch.  I will be posting updates to allow everyone to share their debt free Christmas goals starting next month.  Start thinking about how much you want to spend this year and make a plan to start saving that goal amount.  No debt this Christmas!  You can do it! […] Read more »

Roundup: You And Your Money Plus A Carnival Edition

The Power Of You I am constantly trying to learn how to better myself.  I make mistakes all the time, but it’s what I learn from those mistakes and how I address them that matter the most.  As I always say, YOU are the key to making things happen. If you wait for someone else, then you will live life waiting.  Live life growing instead.  How can you be better? The Death Of Becoming Something by Illuminated Mind The Magic Of Doing Things Slowly by The Happy Self Winning Teams – How To Stop Being A Loser by My Super-Charged […] Read more »

This Is What Debt Free Looks And Feels Like!

Surprise Double Post!!  On Fridays I LOVE To Motivate!! I thought I would give you something to think about this weekend.  When you are out this weekend and pull out your plastic companion to pay for something I want you to think about this post.  I want you to think about Enemy of Debt.  I want you to think about debt freedom.  Most importantly I want you to THINK! 😀 You deserve the best and debt is not the best!  Where there is no debt there is freedom, and it is greener on the other side.  Think Green! 😀 The […] Read more »

David Versus Goliath A.K.A. DEBT

This is a guest post by David from  For those of you who want to read about multiple topics, check out his blogging schedule below.  You can also subscribe to his feed here. Monday – Finance, Tuesday – Health, Wednesday – Minimalism, Thursday – Organization, Friday – Reviews (EOD review to come David?) 😀 The moral of his story is that you can kill the beast, you just have to DO IT! Enjoy! David Versus Goliath A.K.A. DEBT Like many of you, I have encountered the demon in the valley. It’s faceless, but we often can’t gain the courage […] Read more »

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.  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.  I was told that I needed to step outside of my comfort zone, that I needed to […] Read more »

Investing For Retirement – Do It Your Way!

Funding Your Retirement Should Be Exciting You have climbed the mountain and are at the top!  You have eliminated your debt and now have your fully funded emergency fund in place.  When life happens to you, you will be ready!  I am proud of your persistence and determination because most people either cut corners, or decide to do nothing at all.  Not you though!  You are on a roll, and since momentum is on your side, there are some things you need to start doing to be ready for retirement. As some of you know, Dave Ramsey suggests that you […] Read more »

Debt Free Friday Presents: A Total Money Makeover Success Story

This is a very special guest post from Michael Sitarzewski, who in September of 2007, became debt free using Dave Ramsey’s Total Money Makeover.  I found his post in a tweet on Twitter, and after reading it, asked if I could share his story with all of you.  You can connect with him by visiting  I hope his story motivates and inspires all of you to think BIG! If he can do it, why can’t you? 50K in less than a year!! WOW! How We Got Out Of Debt: From $50k To $0 In Less Than A Year Posted […] Read more »

Top Ten DUMBEST Reasons To Get A Pay Day Loan!

WARNING: The list below has been known to cause delusional thoughts and irrational behavior. If what you are about to read sounds like a good plan, you have been hypnotized and must vacate immediately.  You are in DANGER!  If you want to know what using a pay day loan company feels like, go donate ALL of your blood.  It’s the same thing.  You won’t be doing much with what’s left!  To weaken the effects, complete this exercise immediately! The following was said to be the Top 10 Best Reasons To Get A Pay Day Loan.  Some of them are considered, […] Read more »

“He Who Has Not Christmas In His Heart, Will Never Find It Under A Tree.” ~Roy L. Smith

The Spin-Off First I just want to thank everyone for participating in yesterdays discussion.  I enjoyed it so much and am pleased to see that all of you did too.  SO THANK YOU!  To be honest yesterdays post started as just another Christmas Gift idea article.  Then it transformed into what you enjoyed so much, so I left out the original idea to shorten the post. People go absolutely insane come Christmas.  They let guilt, popular opinion, and the need to impress others take over their wallets.  They say things like, “I have to get them something, they might buy […] Read more »