Are You Being Frugal Or Just Cheap?

Written by on 路 11 Comments

Are you SUPER FRUGAL when it comes to everything? Maybe I shouldn’t dirty the word frugal by using it so poorly. Are you SUPER CHEAP when it comes to how you spend every single dime? If so, this post may help you reconsider your cheaper than thou ways. My example may not work for every situation, but it works if you want your nice lawn mower and weed eater to stay in good condition. Just to clarify, frugal to me, means making the best financial decision I can with my money. To get the best bang for my buck. But […] Read more 禄

I Love You…Like A Blogger – Weekend Reading Edition

Written by on 路 4 Comments

Looking for something to read this weekend? Have a great weekend! 馃榾 Engaged Marriage – How to Get Your Spouse to Talk to You: 7 Tips for Engagement Mama Notes – Ask the Moms: Toddler is Taking Diaper & Clothes off at Night- Help! My Super-Charged Life – How to Create a Vision Board and How It Is Useful Wisdom Journal – The Tiger Woods Method Of Busting Your Budget Len Penzo – Expedia, Orbitz, Priceline and Others: What’s the Best Travel Search Engine? Oblivious Investor – Using Annuities to Protect Inheritance Money Help For Christians – Passwords Security | […] Read more 禄

Switching to Frugal Theme This Weekend

Written by on 路 8 Comments

Hello debt haters! I just wanted to let you know that this weekend my site is going to be going through some changes. At times when you visit, it may appear as though my wife and I had a money fight on Enemy of Debt. Things will sometimes be scattered and possibly even broken, for hopefully very short periods of time, as I work to put EOD back together again. I hope to have everything at least back to normal by Monday. In the next few weeks I will be testing different ideas that I have had over the two […] Read more 禄

Becoming Debt Free Is 99% Intensity and 1% Basic Math

Written by on 路 12 Comments

Are you trying as hard as you can to be debt free? As many of you know I coordinate and lead Financial Peace University at my church. I’m currently working on the third group of classes, and we just got finished with the very valuable, and highly motivational Dumping Debt lesson. It’s definitely one of my favorite lessons of all time. Dave starts out by giving the history of credit and how it has become such an integrated part of our society in a relatively short amount of time. Thanks to genius marketing, and a changing society with alternative financial […] Read more 禄

“I’m Debt Free!” The Game Giveaway

Written by on 路 27 Comments

Become Debt Free At Your Very Own Kitchen Table!! Good afternoon everyone! Today I am giving away something I think you will love. It’s a game called I’m Debt Free! About a month or so ago, I bought one. I have only played it a handful of times since, mostly because of time constraints. I was planning on reviewing this game today, but will save that for another day, when I have something more to add. For now, I want to give a couple of these games out to my awesome readers! Learn about money and being debt free the […] Read more 禄

Use Your Tax Return To Pay Off Debt and Still Get an iPad!!

Written by on 路 1 Comment

Only two more days until Tax day. Have you filed yet? I sure hope so. If you haven’t then that means you’re either really patient, really lazy (I’ve been both), or you probably OWED Uncle Sam some loot. If you’ve waited this long then I hope you do not intend on trying to get the rapid refund. You’ve waited this long, don’t pay to get it quickly now, or EVER in my opinion. Patience will save you some money, and saving money is ALWAYS cool. 馃榾 We used to wait until the very last minute, well that’s before we started […] Read more 禄

All Aboard! The Personal Finance Tour Bus is Scheduled for Departure

Written by on 路 15 Comments

Good morning debt haters! This morning I would like to introduce you to a new network I have been asked to join. As you know, there are many networks out there, just as there are many personal finance blogs, but this network is a bit different because each member is considered to be an expert in a specific niche of personal finance. (investing, debt, Canadian, teens & college, retirement, taxes, Christian, and even humor.) Allow me to introduce you to the Money Mavens Network. I am extremely honored and excited to be working next to these guys. We plan to […] Read more 禄

Debt Free News From A Debt Free Reader #8

Written by on 路 6 Comments

Finally, another Debt Free Friday!! I always love doing them and it’s been a while since the last one. The point of this series is to show you why debt freedom is so nice and to hopefully inspire you to reach for the stars. When you don’t have any debt following you around, life gets pretty interesting, and your financial options become abundant. I hope this story, and the others available help you see that. Check out Don’s Debt Free News! ENJOY! I have also put together a page, where YOU can fill out the Debt Free Questionnaire. I’d love […] Read more 禄

Win a Free iPhone/Android Pay Off Debt App

Written by on 路 18 Comments

Hello everyone! In the Manage Your Money challenge that recently ended, I had a sponsor offer up 2 iPhone, and 2 Android Pay Off Debt Apps. However the participants either, had no debt, or had neither of these phones. So today, I would like to give them away to anyone with an iPhone or Android cell phone. I wish we would have had either phone along with this app when we were paying off our debt. The Pay Off Debt App is an application that uses the debt snowball approach to paying down your debt. As you know that is […] Read more 禄

Children and Money: A Basic Plan To Teach Financial Responsibility

Written by on 路 24 Comments

Have you been wondering how to start teaching your children about money? If you are counting on the schools to give them anything in the form of financial training, you’re wasting your time. You’re better off doing it yourself. If schools taught solid financial principles, many of us would have never got into the financial trouble we ended up in. To make matters worse not only did we make a mess ourselves, but for most of us–myself included, we continued the stupidity for more than a decade. I plan to stop that nonsense right now with my children. As Dave […] Read more 禄

Cleaning Up After a Mess (Apology and Forgiveness)

Written by on 路 3 Comments

Hello everyone, I hope you all had a terrific Easter Sunday! Today, I am starting the launch of the Love Everyday e-book tour. Each week, another piece of this great free resource will be hosted on each contributor’s respective blog. My contribution might not appear to be related to money, but I assure you it is–even if indirectly. Money fights are something we all face when dealing with money, and the aftermath of those money fights determine our financial success or failure. If you don’t know how to apologize to or forgive your spouse, this money thing will seem impossible. […] Read more 禄

Today is Enemy of Debt’s 2 Year Anniversary!

Written by on 路 14 Comments

I have been at it for two who years. WOW! I can hardly believe it myself. First, I want to thank all of you for keeping me motivated each and every week to continue to spread the debt free message. Before Enemy of Debt I had not written a thing, with exception to some high school papers long, long ago. To me, sticking this blog thing out is a huge accomplishment. I started to fade out around December of 2008 and feel I was close to just giving it up. I think most bloggers experience this same feeling at some […] Read more 禄

Manage Your Money Grand Prize Giveaway & Questionnaire

Written by on 路 5 Comments

March was awesome fun! I really enjoyed the Manage Your Money challenge and I hope you did too. Even if you didn’t participate in the comments each week, I hope you found the information and exercises to be helpful in every way. To the ones that did participate, I AM SO VERY PROUD of all of you! You took my exercises seriously each and every week—what more could I ask for? You took the challenge because you saw the need to, and you didn’t do what most people did, which was talk the talk but not walk the walk. More […] Read more 禄

When I’m Sick Of Being Fat, I’ll Lose Weight!

Written by on 路 29 Comments

Hello everyone! Recently, I wrote a post titled When You’re Tired Of Being Broke, You’ll Start Saving. If you’ve been a subscriber for any time at all then you know I rarely beat around the bush. I am straight to the point and sometimes that comes off as mean to some. It’s not that I am mean, it’s that I believe that the truth shall set you free. I don’t think that leaving a trail of rose pedals to the bedroom, and dancing around the ugly truth, will help you solve anything. If you know what your situation really looks […] Read more 禄