How I Very Unexpectedly Lost $60 In Less Than 3 Seconds

Ever lost $60 in less than 3 seconds unexpectedly? I did on Saturday night, and man did it suck! Here lately, a few of the guys from work have been bringing their skateboards in, and after work, we’ll skate around in the parking lot. I have especially enjoyed the intense cardiovascular workout I get. We do street tricks—one in particular called an “ollie”. An ollie is nothing more than using a skateboard to jump something. From age 12-18, that’s all I did. Around the neighborhood, around town—pretty much anywhere we were allowed to skate. Back in the day, I could […] Read more »

Gift Cards: The Envelope System Of The 21st Century?

Tried And True Method Have you ever tried using the envelope system? If not, you should really give it a try because it helps keep you on the budget by not allowing you to overspend in specific categories. It also helps you shop for deals because you know when that money is gone—it’s gone. So maybe it doesn’t feel as cool to pull out the envelope marked “groceries”, to give the cashier exact change. I have one question for you though. When it comes to managing your money, do you want to be cool and broke, or freakishly weird with […] Read more »

Constructive Criticism: Can You Limit Personal Growth By Getting Offended?

Do you get angry or feel attacked when someone offers you some constructive criticism? Let’s be honest with ourselves for a moment shall we? There has been a time in most of our lives when we simply could not handle the slightest hint of criticism. I know I am sure guilty of it, but I have definitely grown in this area. To be honest with you there have been times when I asked for it, didn’t like the answer, and completely let my ego take over. The ego can be pretty controlling, but can it keep you from growing as […] Read more »

Giving – What If Your Kid Made The Wish?

There is something that I would like to bring to your attention today. I am very passionate about it and no I am not talking about spreading the debt free message. You could say that my passion to spread debt freedom pales in comparison to my passion for giving. I would even go as far as to say my desire to become debt free really was ignited by an even bigger desire to help others out by giving. I don’t know about you, but giving excites me. Today I would like to ask that you please head over to My […] Read more »

The Day I Killed My Credit Card

This article is dedicated to the blogger at Cash Only Living. She said she loved my site and invited me to check out one of her posts. I read it and liked it, but another article she wrote called “I Did It! No More Credit Cards!!” grabbed my attention even more. It inspired me to write something about how I felt when we paid off our last credit card. I decided to make it fun by turning it into a story. This has never been done here so I hope I don’t let you down. 😀 Read about when she […] Read more »

Weekly Roundup – “Fall Hiking” Edition

Have I told you how much I love hiking? Have I told you how much I love hiking in the Fall? It’s the most beautiful time to hike because of all the pretty colors.  I go hiking very often and being that I live near so many hiking trails and mountains, I have plenty to choose from.  Gone hiking lately? Articles I Enjoyed This Week Dave Ramsey’s Baby Steps: A Real Path to Family Financial Freedom – Written by Dustin at Engaged Marriage. Friday Financial Foul Ups: Being Too Eager to “Move Out and Move Up” Kept Me In Debt […] Read more »

Guest Post At My Super-Charged Life: A Debt Free Manifesto

To All New Readers: WELCOME! My Guest Post at My Super-Charged Life: A Debt Free Manifesto – 10 Common Sense Reasons To Live Debt Free…read it.  Find out what eating pie and becoming debt free have in common! First of all, I would like to thank all of you for taking the time to visit Enemy of Debt! You will find that my main goal here is to help others find financial security through adopting a debt free lifestyle.  I hope I can help you too! 😉 Many have said it cannot be done, although a growing number of people […] Read more »

What Is Your Financial Profile?

I often find myself thinking about what someone’s financial profile might be based on certain little facts.  Okay so maybe I have been watching a little too much of the show Criminal Minds, but I have started to think I can come up with a financial profile for everyone.  Haha! (You know that only knowing about savvy money hacks is not enough, right?) Trust me, I am not an expert, but I could take a shot at it for fun, right? Below I have tried to come up with a profile for the good and the bad.  Could I work […] Read more »

Weekend Round-Up: “Brain Candy For Your Life” Halloween Edition

Posts I Enjoyed This Week Fight Fair! 6 Simple Conflict Resolution Skills for Your Marriage was  written by Dustin from Engaged Marriage.  You might be thinking—what does this have to do with money?  Try becoming debt free with a spouse that you can’t communicate with.  Teamwork is important and good communication leads the team. The Entrepreneur’s Seven Priorities for a Successful First Year posted by Jeff from My Super Charged Life.  I have highlighted some of Jeff’s articles before.  His site is filled with helpful information to help you grow.  I liked this article because it is said that the […] Read more »

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 »