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 »

Have You Ever Had A DEBT FREE Christmas, And Will You Accept My Challenge?

An ‘Official’ Enemy Of Debt Challenge – Can You Have A Debt Free Christmas In 2009? You might think that a debt free Christmas is not possible, but it is!  Very possible!  You just have to think and behave differently with your money. With Christmas a little less than five months away, it’s time to start planning.  Actually, the best time to start is around February in order to decrease “wallet shock”.  (When you fund Christmas all in one month) We’ve all experienced it.  It’s when we realize in the 11th hour Christmas is upon us.  Usually it happens after […] Read more »

Oh No It’s Monday: Carnival Edition

Good morning everyone! It’s Monday and I hope everyone had a fantastic weekend!  Some of you who follow me closely know I am ending the summer semester in my public speaking class today.  In fact, I have to squeeze together a persuasive speech to give to my class tonight.  Usually I am in the final stages of writing my speech, but this one is different.  I was hit with a curve ball when I got extremely sick over the weekend.  I work weekends, and didn’t want to call out of work, so the time I spent at home was where […] Read more »

Public Service Announcement: Cash For Clunkers Equals Debt For Suckers

Poooof!! And The Government Said Let There Be…Three Billion Dollars! Now this is just getting silly!  This post is about DEBT!  The Cash For Clunkers program has been, or is in the process of being revitalized.  Yep, that’s right.  Two billion dollars out of thin air, or maybe I should say, out of your children’s children’s front pocket.  Debt is dumb and so is this ridiculous program! Let me see if I understand this correctly.  The Government taxes you into servitude, creates a program in which you are said to receive FREE money by giving you up to $4,500 in […] Read more »

Government Reliance Vs. Personal Responsibility- Wait Or Create?

Now I have said this before, but I’ll say it again.  This is not a political blog, and I intend to keep it that way.  However, with so many things happening right now in Washington that a) involves money and debt, and b) involves you, I think it’s relevant.  I want to compare Government reliance to personal responsibility.  I think personal responsibility has more benefits, delivers greater success, and allows us to be more free in the process.  I think Government reliance robs us of incentive, and keeps us inside the box where our options are limited. We all know […] Read more »