Are You Under The Influence Of Debt?

Debt: The Drug, The Dangers, and How To Turn Things Around I would say it is the drug of choice for 7 out of every 10 Americans.  Does that make it dangerous?  Absolutely!  Should it be illegal?  I wouldn’t go that far, as I believe in your freedom to conduct your life as you see fit, but what I would say is, that education is the easiest way to combat poor financial choices. I know I will catch some attitude from the “I pay my card off monthly” crowd, so I will add that moderation is key.  Actually moderation for […] Read more »

Enjoy Frugal Entertainment Without Breaking The Bank

How Do YOU Define Entertainment? Quite frankly, all of us are different as far as what we value in life.  Entertainment to me could bore you out of the room, but what if I had a plan—making my sacrifice very methodical and purposeful? You value what’s more important to you, and make decisions based on the assumption that you will get something out of those decisions—whether it be fun, security, or both. You have to sacrifice something—either in the beginning or later on in life.  NOW or LATER?  Instant gratification or financial security?  Instant gratification now, comes at a cost […] Read more »

An “Extra Special” Behind The Scenes Look At The Man Behind Enemy Of Debt

Hello everyone!  I rarely share personal info unless it is related to money.  Mostly because I know that when you come to Enemy of Debt, you are mainly interested in getting out of debt.  I want you to get what you are looking for when you visit so I avoid talking about certain topics, unless it is related to money. However, I thought it would be fun to share with you a special behind the scenes look at me—the Enemy of Debt.  Learn some random facts about yours truly.  Why now?  That’s simple—we just had a baby and I am […] Read more »

22 Reasons Why You Should NOT Go Out And Buy Windows 7

Oh my gosh!!  Have you heard?  Oh my gosh!!  I just found out today!  Windows 7 just released and everyone is going gaga over “NEEDING” to buy it. Who cares if your current operating system works just fine?  YOU GOTTA HAVE IT…RIGHT?  We just have to own the newest software, the biggest plasma television,  or the highest priced, most advanced cell phones we can find, but WHY? “Oh, oh, oh, I know—pick me, pick me—please pick me, I know the answer!!” Because society has taught you that delaying gratification is a SIN, and that acquiring “stuff” by using good old-fashioned […] Read more »

EOD Challenge: Need Motivation To Pay Off Debt?

Have you thought about what it would be like, and what it would mean for your family if you decided to aggressively pay off debt? If you haven’t,  I think you should.  As someone who has recently become debt free, I can testify to the many benefits that comes with taking the debt free plunge. I am back with another challenge for you to try.  Recently I have been thinking of a way to help motivate all of you to become debt free.  Doing so, got me thinking about what becoming debt free was like. Becoming debt free: is challenging […] Read more »

BREAKING NEWS: Life Changing Miracle Makes Daddy Proud!

Sometimes When LIFE Happens To You It Is A Blessing! Well folks, Joseph Noah has arrived!  Beautiful, healthy and a gift better than any other!  I can only describe the feeling as life changing.  That’s part of the beauty of being a parent.  We learn so much from each child and each experience.  The fact that a little baby can change us without ever saying a word is phenomenal!  Today was a remarkable day indeed! Here are a few preliminary photos, I plan to share more later on.  Enjoy them as you are reminded of how beautiful life really is! […] Read more »

When Your Financial Plan Takes A Detour It Doesn’t Imply Failure

They call it personal finance for a reason. Each individual plan, will at times need a tweak here and there depending on your circumstances.  Today I want to share with you how we have taken a detour, but for good reasons.  No plan is bad as long as you are reaching your financial goals in the process. As most of you know, this Wednesday, we will be introduced to our new little man Noah.  This has caused us to re-evaluate our goals as it is related to our current place in our financial plan. We have recently become debt free […] Read more »

Children And Money: Are You Helping Your Children Learn The Basics?

Teaching Your Kids Early On Is The Best Way To Ensure Financial Responsibility Since approximately February of 2009 we have been adding small amounts of change to Isaac’s piggy bank periodically.  He gets money for doing certain things like cleaning up after himself, helping around the house, etc.  He loves to help and we want him to learn the value of hard work.  If he works he does get paid, and if he doesn’t work then he doesn’t get paid—just like the real world. We have a pretty loose system as Isaac is only 3, but as he gets older […] Read more »

A “Go Green” Personal Finance Challenge

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 »

Debt Free News From A Debt Free Reader!

Hello everyone! I would like to introduce you to one of the readers here at Enemy of Debt.  Her name is Kelsalynn and she has recently become debt free.  She currently writes for kelsalynnfitlog, and she started out with $60,952 in debt with a minimum monthly payment total of $790.  Now she is DEBT FREE and can feel the tremendous burden that has been lifted first hand.  Her family has more options and her financial potential is remarkable. Kelsalynn used some of the questions from an article I wrote that was intended to be like a self interview.  I asked […] Read more »

Getting Back On Track After Getting Knocked Off Course

I am back ladies and gentlemen!  I feel like I have been out of commission for too long.  First let me just say that if any of you happens to catch the H1N1 flu going around, be sure to go to your doctor within 48 hours.  Also, be sure to stay in bed, drink plenty of fluids, take medication, and keep an eye on your temperature.  Today is the first day that I have felt better than about 90%.  I still have some chest congestion, a slight sore throat, and I am still experiencing a shortness of breath with even […] Read more »

Minimalism: “Do Not Spoil What You Have, By Desiring What You Have Not”

This is a guest post by David from Life Excursion and the newly founded The Minimalist Path. I am sorry to say, but I am not here to bring you the best and brightest make-a-million-dollars-in-the-next-hour-and-never-worry-about-budgeting-again article. What I am here to tell you is that if you are looking for a kick-start way to bring about a lifestyle that allows you to be a full force enemy of debt, I may be able to help. I have been a big fan of Brad and Enemy of Debt for a couple months. He has helped me financially in ways he doesn’t […] Read more »

Quarantined For The Moment

Okay, so I am not really quarantined, but I feel like I should be.  I have had a temperature on and off since Sunday evening.  Today my temperature was 101 something.  With all of the swine flu outbreaks out there I tried to make an appointment to be seen by my doctor so I could get proper treatment if needed. Apparently, if you have been sick for more than 48 hours then you do not qualify for treatment.  Kind of odd if you ask me, especially if what I have is the swine flu.  (there has been a large outbreak […] Read more »