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 »

Warren Buffet Invests In Educating The Children, Will It Pay Off?

Warren Buffet And Investing For Kids I found the video below on The Wall Street Journal website. Apparently coming this Fall, AOL will be featuring an animated series where Warren Buffet teaches kids about investing.  (Pay attention kiddies!) You Should Know Smart investing is something you definitely want to learn, and it is REALLY important to remember that whenever you are ready to invest, KNOW AND UNDERSTAND your investment.  Don’t put your money into anything if you don’t understand how it works. Also, contrary to what you will hear EVERYWHERE, there are no “secrets“!  There are tips and strategies based […] Read more »

The Enemy Of Debt Extreme Makeover

Howdy folks!  I have finally done it!  As some of you know I have been very unhappy with my layout, and have struggled with my options and a better solution.  That solution suddenly appeared, and after researching I decided it was just what I was looking for. For all you bloggers out there, if you are in search of something AWESOME, google “Thesis Theme”.  There are tons of videos and stuff to read to see if it is for you. I want to ask you to bare with me as I twist and tweak the theme.  I currently have tons […] Read more »

Million Dollar Club

I decided to join J. Money’s Million Dollar Club.  Setting goals is the way to put your plans into motion.  Brian Tracy says that a goal not written down typed out, is just a dream because it has no energy.  You are definitely more likely to accomplish your goals if you put them down on paper.  It gives you something to follow and each time you scratch an accomplishment off of the list, you gain motivation.  Hmmm, that sounds familiar right?  Your Total Money Makeover is the same kind of plan.  You do each baby step, one step at a […] Read more »

The Dream Budget: Your Debt Free Potential! What’s Yours?

  What is the “Dream” Budget? I have referred to this before in earlier posts, but I have never actually written a post about it. Basically a dream budget is the budget you would have IF you were completely debt free. That’s right, no car payment! No mortgage payment! No credit card payments! No debt at all! I always ask my Financial Peace University classes to do a dream budget. I believe that when you see how much you could do without debt in your life, it will inspire and motivate you to set that goal. This exercise should not […] Read more »

Week In Review: Best Of My RSS Feed Edition

These articles are some of my favorites from blogs I follow via RSS Feed.  I really could have added another five articles but didn’t want to cause a brain overload.  After all it is Friday!  Enjoy, and have a wonderful weekend! Oh yeah, you’ll notice I finally was able to “left-align” my sidebars and comments section.  You’ll also notice that it caused my navigation bar to left align.  Ugh! Web Design will likely be my next class in the cross hairs. Money Help For Christians presents Debt: Upside Down And Backwards. You can find a guest post over at Debt […] Read more »