Debt Is A Lot Like Chewing Gum

You can smell the flavor before you even get it unwrapped. Mmmm! It’s going to be so refreshing. You start vigorously chewing with focused attention as you excrete the juicy taste from the once dry, powdery stick of gum. It’s so good and you hope it never ends, but as much as you enjoy it, you start to realize that the love affair is over. That taste that was promised to last forever now tastes like wet cardboard. What do you do? You grab two pieces. Maybe, just maybe, it will last for ten minutes instead of just five.  Something […] Read more »

Tax Refund: Will You Save It, Pay Off Debt, Invest It, Or Waste It?

As we enter tax season, there are some relevant questions we should ask ourselves about our intentions concerning how we use our tax refund. If any of you are like I was, before I became the Enemy of Debt, you’ve probably spent a few tax returns before the ink even dried on the paper. Now most “good” financial advisers will tell you to change your withholding so that you are not giving the Government an interest free loan each year, but also to give yourself more of your own money each month. I actually believe the same thing, but have […] Read more »

Weekend Review: Save-A-Lot Edition

Hey everyone! I hope you are having a great weekend so far. Below you will find out how Julie’s shopping experience at Save-A-Lot went. It sounds like she did save a lot! Also I have put together some links from other bloggers that I have enjoyed this past week. Please enjoy and have a great rest of the weekend! From Julie: (The winner of the $15 Save-A-Lot gift card and EOD T-Shirt) Just wanted to give you an update of my Save a Lot experience. Could not have come in at a better time. Out of the blue – last […] Read more »

The 50 Plates In 50 States Project

Hello my awesome EOD readers! I am very excited to announce something that I have been thinking about for some time now. It’s called “The 50 Plates In 50 States Project”. Basically, I think it would be SUPER COOL if someone in every state declared their hatred for debt the way that I have. As some of you know, I have already done this myself. So what I envision is for 49 of you, one from each state with the exception of Virginia, to eventually get a personalized plate that reads: Once you have done this, be sure to email […] Read more »

In Order To Succeed Financially, You Must Redefine The Word “Deal”

As the new year approached I thought about all of the things that changed in my life for 2009. The more I thought about it the more I realized that I could indeed be happy with my progress in many areas of my life. Since this is a financial blog, let’s talk about one of the things that I feel was the biggest breakthrough for me financially. The funny thing is that I was introduced to this in early 2008 when I took Financial Peace University, but I guess it had to marinate for a bit first. My breakthrough was […] Read more »

People Need An Excuse To Spend Money, And They’re Eager To Find One

Do You Justify Your Purchases? What About The Bad Ones? A few weeks ago, I was sitting at home watching some T.V. with my wife, after watching 27 inches of snow fall. We were snowed in the day before, and could barely get around on day 2. It was the top of the hour so there was a news update, and that’s when I heard it. I almost couldn’t believe my ears but my wife confirmed what I thought I heard. We watched a news report that stated people were considering an upgrade to a 4WD vehicle—due to the recent […] Read more »

Win a $15 Save-A-Lot Gift Card!

Good evening everyone! As stated in the title I am doing another fantastic giveaway. To me, there’s nothing like being able to share savings with others. Whether it be by way of words on the screen or physical savings—it doesn’t matter. Saving money is something that should be a top priority whenever you decide to spend your hard-earned money. No matter how big, or how small. That’s why I am giving one lucky person the chance to win a $15 gift card to Save-a-Lot food stores. I was really hoping to visit one of the stores close to me, but […] Read more »

Organize And Break Your Goals Down Into Actionable Steps

Have you made a list of goals for 2010 yet? Most of you probably saw my very comprehensive list of resolutions that I posted on Friday. In fact, some of you may have cringed at such a long list. One of my good friends, and a subscriber, sent me this message in response to that post. “Drink more beer!” Haha! Now I just want to point out to all of you that this is a first for me too. I’ve made resolution after resolution, year after year, only to lose interest fairly quickly. It seems that most people, including myself, […] Read more »

My 2010 Comprehensive List Of New Years Resolutions

What are your New Year Resolutions? It seems to be so easy to make resolutions but even easier to abandon them as the year passes by. My main goal for the year is to stay motivated to complete all of my resolutions for the year. I plan to do that by giving you a monthly update as to my progress on these goals below. Ultimate accountability! I would ask that you help me by keeping me accountable. You can do that by actively participating in the comments section of each “Resolution Tracker” update post. Thank you and I hope each […] Read more »

Are You Looking To Improve Yourself In 2010? Accept My Challenge And You Could Win $100!

  The New Year Is Approaching Fast, Are You Ready For Real Change? Would you like to improve yourself in 2010 and have fun at the same time? I do, which is why I decided to join the Improve Yourself! 2010 8 Week Challenge. Dustin over at Engaged Marriage is a great friend, and the guy with the master plan to help you, me, and whoever else wants to, accomplish our resolutions for 2010. (details below) Special Enemy of Debt Challenge and Giveaway!! As someone who believes wholeheartedly in setting goals, which is a big part of Enemy of Debt, […] Read more »

Giveaway – Win a $25 Gift Card To T.J. Maxx!

Hello everyone! I am back with another giveaway. Last week I received in the mail a few gift cards—one for T.J. Maxx and the other for Marshalls. Each for $25! I really wish I could have done this giveaway before Christmas to give you some extra spending money, but  better late than never right? My wife used the Marshalls card to do some last minute Christmas shopping, and was really impressed with all of the deals she found. She had a great time looking around and had no problem finding the perfect gift. It has been a while since either […] Read more »

Pay Off Debt In 2010 By Increasing Your Debt Snowball

Are you ready to pay off debt in 2010? If it is not one of your New Years resolutions, then you should take this opportunity to make it one now. Debt is not your friend, and if you are one of the many people out there that carry a balance from month to month, then you know what I am talking about. Get rid of it! Get rid of the financial roadblock that is keeping you from experiencing financial peace. Being broke is no fun. Living paycheck to paycheck is stressful, so now it is time to make the changes […] Read more »

Did You Have A Debt Free Christmas?

Well Christmas has come and gone…again! It was a good one too! I hope you all had a wonderful Christmas! Now is usually the time when people start to come down from their Christmas buzz, and reality begins to set in. You’ve heard of buyer’s remorse right? For those who haven’t, it comes after a major purchase, or minor for some people, when you begin to regret your decision to buy whatever it was that you bought. I’ve experienced it for sure! Let’s just call this Christmas remorse shall we? Christmas remorse?? It almost sounds like a bad word. Who […] Read more »

Merry Thriftness – It’s NOT About Being Cheap, It’s About LIVING And LOVING Frugally!

Do you require a gift from someone to be brand new? This is something I have wondered for a while now and it seems like the perfect time to discuss it. With Christmas happening in two stress-filled days, a lot of people are busting their budgets, in hopes of satisfying the person they are buying gifts for. I have to admit, I really hate choosing a gift for someone. It’s a lot of pressure to try and get the perfect gift for someone, only to wonder if they even liked it. (Consider for a second the rush of after Christmas […] Read more »