Sometimes Just Knowing What To Do Isn’t Enough!

Broke Financial Gurus?  No Way! It’s true!  You can be considered an expert, but that doesn’t mean you will not struggle with the process itself.  It doesn’t mean that discipline is automatic. and most of how you handle your money is behavior anyway.  We know exactly what it is that we need to do, and why, but even we still have problems when it comes to following through at times. Why is that the case?  For starters, we are human which means we can mess up, and to me there really is no other explanation needed.  Whether it’s impulse spending, […] Read more »

Reader Rewards Program Winners!

  Reader Rewards Program Winners From Last Week The mission was clear!  I wanted to hear from you about what it was that you wanted to see in the future, as well as your advice on improving EOD.  There was a great response, and I am very pleased to announce that we have lots of winners.  About midweek, I decided to give my friends over at My Total Money Makeover some incentive to join in on the fun.  I offered up 2 Enemy of Debt t-shirts to bring a few over to leave some feedback.  Here’s what I am giving […] Read more »

Got Credit Cards? Here’s Another Reason To Say Goodbye!

  There are some that are so adamant about the fact that credit card companies are NOT bad, and do NOT take advantage of consumers.  I disagree, and I think that an article I came across from proves otherwise.  For the minority that have the discipline to not carry a balance, you will be okay, but for the rest of you who use credit cards to subsidize your income, you might want to consider cutting the cord! The article states that, “credit card companies are insisting upon exercising their right to abuse their customers in the name of higher […] Read more »

3 Proven Steps To Debt Freedom

        I receive a lot of emails asking me “where do I begin?”, so I decided to write this blog about just that.  One of the most overwhelming feelings for most is in the beginning, when things are not very clear, and you do not know where in the world to start! You are not alone,  and like MANY others, I have been there too!  There is a reason why it is overwhelming, so I want to discuss some prerequisites before we get started with the 3 Steps To Debt Freedom. Prerequisite #1 – You must STOP […] Read more »

Where’s The Budget? Download Here For FREE!

  More than expected, I have received emails about finding my budget download, so I wanted to post it here one more time.  For the record my FREE budget download is in the right sidebar, as well as in the navigation links above.  I realize my navigation links are kind of hiding above but I do plan to address that issue very soon.  Web design is certainly not my specialty, but I will be working on it. I am planning to give my site a transformation to allow all of you a more friendly experience when you visit.  What I […] Read more »

Motivation 101 – YOU CAN DO IT TOO!

Are You Motivated? Chances are, you often feel overwhelmed with your financial situation, and like most, you want to do something about it.  There are many things that keep us from doing what we know we should do.  Time constraints, lack of energy, procrastination, depression, and even addictions to name a few.  One that people rarely consider is negativity from the people around them.  People will rain on your parade in a second once you start talking about quitting something they too are doing.  Whether it be shopping, smoking, going on a diet, exercising, or changing your financial habits, people […] Read more »

Reader Rewards Program – Rewards That Are Actually FREE!

Hey everyone! First of all, to all the Mommies out there, I hope you had a fantastic Mother’s Day Weekend! One thing I have learned from writing about credit cards is that people LOVE rewards, so I have decided to start my own Reader Rewards Program!  The great thing about this upcoming program is that you don’t have to go into debt in order to get free rewards!!  Now that’s a REAL reward!!  Subscribe now to receive FREE updates from ENEMY OF DEBT! Two XL Dave Ramsey “Owe Nothing To Anyone, Except Love” T-Shirts FREE!! As promised, I will be […] Read more »

As Seen On

An Unusual Day In The Life Of A Part Time Blogger Well let me start by saying, WOW!!!  Today was an extraordinary day for me.  Two weeks ago I was contacted through my website by Jim Kavanagh, a writer for  When I woke up this morning I had no idea what I was in for.  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 »

The American Dream Is Only As Good As Your Plan To Achieve It

Go to to learn more! Decisions, Decisions! The American dream is to own a home, but at what cost?  Should you sacrifice financial security just to buy a home?  Should you take advantage of creative financing in order to bypass the red flags?  Should you buy a home if you have absolutely no savings and no down payment?  The answer is NO to all of the above.  If you attended the Town Hall For Hope event then Dave Ramsey attempted to teach us a new word.  That word is “NO”. His point was that we need to learn how […] 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 »

Are You Getting Bit By Snakes?

When You Ignore The Warnings, Getting Bit Shouldn’t Be A Surprise! On my way home tonight I heard on the radio some hissing from people getting upset because Credit Card companies have started to rattle their tails.  It started near the end of last year when credit card companies started lowering consumers credit limits, to no doubt protect themselves from the possibility of continued economic decline. The following article excerpt sheds some light on the problem this is causing for people: “Texas-based flight attendant Lilli Durbin used to have six credit cards (my emphasis added), which is fairly typical for […] Read more »

Debt-ception – Why Do We Fall For The Lie?

Debt-ception Is Everywhere! The use of debt is rampant and highly irresponsible.  Because we think the good outweighs the bad, we allow ourselves to justify its use.  We tell ourselves that it is okay because it is helping us, ignoring all of the signs of its destruction.  We have replaced good old fashioned savings for the servitude and hardship that debt brings us.  In my opinion we have done this because we have forgotten that no journey worth taking is easy.  We have lost hope in our lives and in ourselves, but I know how to get that back.  Learning […] Read more »

One Year Anniversary!!

Hey Everyone! On April 5th, 2008, I was inspired to start my very first blog ever!  The mission was simple.  Spread the word about living debt free!!  Three months earlier we started our Total Money Makeover and discovered through the process, a little thing called HOPE!  It was such an invigorating experience as we watched our habits and financial situation transform before our eyes. Around the same time I started the online version of Financial Peace University and a passion started pouring out of me like never before.  I finished watching every lesson and passed every test within about two […] Read more »

Just Say NO To Debt CONsolidation!

Once a month I may get something from a company that wants to partner with Enemy of Debt in some way. The one I received today was a little different but not really.  She claimed to read a blog of mine, but maybe she needed to read more of them before contacting me.  Her company was nothing more than a debt CONsolidation and negotiation company.  My response was respectful, but to the point. The OFFER: Hi! I was checking out an article called “I Hate Debt, What About You” on your site, and was thinking that I have a […] Read more »