No Restaurant November Update and October Confession

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Photo Credit: Yours Truly It was really fun reading the reactions from people related to this challenge. (responses on other blogs listed below) Until I started reading them I never really considered what I was proposing to be extreme, but apparently it is the equivalent of dangling your child over a balcony. Some adamantly opposed the idea right away, while others admitted it was something they would like to do, but just couldn’t. The rest said let’s do it! That’s what I’m talking about baby! I left a comment on Budgets Are Sexy suggesting that to those who said it […] Read more 禄

Debt Free News From A Debt Free Reader #17

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Welcome to another Debt Free Friday! I absolutely love doing this series! I hope it inspires you or someone you know to eliminate some debt. Today’s debt free story comes from a friend of mine, and one of the very first Canadian blogs I ever started reading. He has excellent advice that apply to Canadians but also great personal finance advice in general. We may disagree on the issue of “good debt vs bad debt”, but that’s small potatoes if you ask me. 馃檪 “Tom Drake is the owner and head writer of Canadian Finance Blog. Tom has paid off […] Read more 禄

A Blogger’s Dream to Help Others is Coming True

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Howdy folks! Welcome to day two of my No Restaurants in November Challenge! (Have you taken the plunge yet? Join me and many others!) One of the many reasons there could be for wanting to save a little money — the topic for today’s post is definitely one of them. Giving….. Do you do enough of it? We don’t. Don’t misunderstand. We do give, but it’s not nearly as much as we want to give. When I think of all the orphans, widow’s, single mothers and the poor and unfortunate others out there, I know that what I do is […] Read more 禄

No Restaurants in November Challenge

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Is your budget brutally pounded by your inability to stay away from the restaurants? Of all the things my wife and I have changed about our financial habits, dining out seems to be our current addiction of addictions. We did fine while we were jazzed and intense about getting out of debt, but ever since, we have been haunted by this ghost of convenience. Read more 禄

Debt Free News From A Debt Free Reader #16

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Happy Friday everyone! Right now I am enjoying myself on a fishing trip with my father-in-law, so I hope I catch some yummy fish! Have a great weekend, but before you do, I hope you enjoy this wonderful and inspiring debt free story. I love these kinds of stories!! I checked out Our Debt Free Path and knew immediately that these were my kind of folks. They are passionate, and best of all, they too, are doing the Total Money Makeover! Whether you like Dave Ramsey or not, you have to admit the guy has an awesome game plan for […] Read more 禄

How To Dress Nicely On A Budget

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This is a guest post by David Bakke Photo Credit: beckyjohns7 Up until recently, I always had the luxury of having the majority of my clothes purchased for me, either by my mom when I was younger, my wife when I was “grown up,” and by family and friends during the gift-giving holidays. I know, it sounds like I’m really spoiled or something, but in actuality, all of these close people in my life have always enjoyed shopping for clothes for me. Yup, I’m a pretty fortunate guy! However, my wife got a full-time job two years ago that made […] Read more 禄

O Emergency Fund, Emergency Fund! Where For Art Thou Emergency Fund?

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Have you ever had a true emergency fund before? They say, once you go emergency fund you never go back. Having my beloved emergency fund in my life has been amazing, and I became a better person for meeting her. Ever since the first day I laid eyes on my one true emergency fund, I new I was a changed man. The way she comforted me and made me feel all safe and fuzzy inside. I got butterflies whenever I would think of her. I just knew she was the one! Can you tell I’m struggling? My emergency fund was […] Read more 禄

Debt Free News From A Debt Free Reader #15

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Happy Friday! Sorry for the delayed post but last night was spent celebrating Noah’s first birthday. We went on an intense hike on the Blue Ridge Parkway here in Virginia, and I was pretty beat last night. It was a fun day though and definitely worth it! Now let’s get to business. Becoming debt free is no less fun! Our next submission comes from someone I have known since taking on my own debt free journey. We have kept in contact over the years and now he is finally debt free himself! Congratulations Chuck! It was a long hard fight […] Read more 禄

The Scariest Halloween Costume EVER!

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Photo Credit:聽Halloween Express An Enslaved Debtor complete with bondage. (A person in a suit or dress, with mini cars, school books, shopping bags, bank statements and Starbucks coffee cups glued to it, while sporting the provocative shackle and handcuff accessories.) Seriously though… How special is your Halloween celebration? Do you go ALL OUT, or do you save your greenbacks for some Christmas shopping? According to a survey by National Retail Federation (NRF), Americans are expected to spend 5.8 BILLION dollars this Halloween. That’s not even close to what will be spent on Christmas, but this number surprises me because of […] Read more 禄

Introducing EOD Basic 3.0: Made for Newbies, but Perfect for Everyone

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The day has finally come! HERE–> EOD Basic 3.0 is RIGHT HERE!! <–HERE This one is lighter than the deluxe version (still to come), so I called it EOD Basic. I created it with newbies in mind with a step-by-step process to help you from beginning to end. I am confident that you will love this version. With 2.0, the first reaction I usually got when showing it was: “ohhhh…ummm…yeeaaahhh, where…do…I…begin? In their very best Bill Lumberg impression. 2.0 was great and certainly comprehensive enough for the nerd balls like myself, but I have to admit at first glance, it […] Read more 禄

EOD Basic 3.0 Almost Ready to be Released!

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Photo Credit: Dr. Propaganda I have been working really hard to try and launch my third edition of the EOD Budget. The new version is called EOD Deluxe Budget 3.0, but as I ran into a few speed bumps trying to add more features to it and revamp the entire thing, I decided to publish the EOD Basic 3.0 Beta version so I could give you something sooner. (Deluxe version still to come) I am finishing up a few last minute details right now, but plan on launching it tomorrow. To those who have been patiently waiting for 3.0, I’m […] Read more 禄

Check Out the PF Comics: Deliver Away Debt Revealed!

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Photo Credit: Memory_Freak Jeff is one of my favorite bloggers. I love his passion and desire to get his family out of debt, even if it means he has to sacrifice himself in the process. This is the act of a selfless father and loving husband. An act that comes from wanting to make the family stronger. Becoming debt free is all about your family! This is why I wanted to write Jeff from Deliver Away Debt into the awesome PF Comics series put together by Fred & Jeremy over at Credit Card Daily. This comic also features and/or draws […] Read more 禄

My Story: A Mortgage Nightmare Confession

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Have you ever looked back in time and wished you could do something all over again, or not at all? Hindsight always objectively highlights mistakes that we make, and often causes us to play the “if I knew then what I know now” game. Fortunately for us, this story has a light at the end of the tunnel. If anything, we learned a very valuable lesson in home ownership, specifically in terms of getting the right mortgage. As most of you know though, my wife and I decided long ago that once we were free from the bondage of mortgage […] Read more 禄

Tuesday Top 5 Roundup: Government Lies, Creative Accounting, & Who You Know

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Photo Credit: Fovea Centralis Live and Learn: 5 Tips to Make Your Kids Financially Smarter – Currency (written by Len Penzo)聽 This is my VERY FAVORITE article! Great one Len! Married Money Management Step 4: Pay Off Your Debt (Damn It!) – Engaged Marriage Dustin and I go way back, and one of the reasons why is because this dude has some passion. You can guarantee that if you are reading a post he has written you are definitely getting fired up about it. Marriage is his forte, but as you will see, personal finance is no stranger to him. […] Read more 禄