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 »
25 Best Side Hustles for Teachers to Make Extra Money
Teachers are massively important to a well-functioning society. Unfortunately, the vast majority of our educators aren’t paid as well as they should be. Because of that, I know plenty of teachers that are constantly on the lookout to make extra money with a side hustle. I have a soft spot for teachers. In fact, I’m pretty much the only person in my family who has never been in the teaching profession. My grandmother, mom, dad, sister, brother, and wife have all taught or are currently teaching. It’s a profession that runs deep in my family. Because I know so many […] Read more »
How to Deal with Personal Debt and get Your Finances in Order
Debt is something that can cause many sleepless nights, if it gets out of hand. Ideally, you should learn how to manage your finances, by checking out the best personal finance blogs, and seeking professional advice if necessary. This can help you to keep your finances in order and avoid having issues with debt. However, many Americans struggle with financial literacy and find themselves in situations that they cannot handle. In fact, debt is a common factor in the lives of many people in the US. The average American has around $38,000 of personal debt. This is aside from any […] Read more »
10 top quotes about money and debt – which is your favourite?
Editor’s note: This is a guest post from Sara Williams who blogs about everything to do with debt at Debt Camel, from payday loans to mortgages. I’m a debt adviser in London. But money and debt problems are universal, so my favourite debt quotations range from the Romans to 21st century America! I’ve put them roughly in date order but, as you will see, not a lot has changed over the centuries. #1. Debt is the slavery of the free. Publius Syrius c.50BC I like this one because so much advertising has the subconscious message that being able to buy […] Read more »
How To Refinance Your Debt Cheaper
Editor’s note: This is a guest post from Pauline of InvestmentZen.com Refinancing, restructuring, or consolidating debt is a step that many have taken in order to become debt-free sooner. This is done for a multitude of reasons but usually involve getting a better interest rate, or term on your debt, making the final pay off cheaper and quicker. This works in different ways. The idea is either to lower your debt payments, or to pay off debt quicker, for a lower interest rate. Before you start, do some research and find out the best rates available on the market. The […] Read more »
The Zen of Budgeting
Editor’s note: This is a guest post from my good friend Pauline of InvestmentZen.com. Pauline is a ‘budgeter extraordinaire’ and an investing maverick with considerable reputation in the personal finance community. Budgeting has always been like watching paint dry to me. My brain can’t get around it. I understand the main concept: spend less than you earn, and am pretty good at putting it in practice. But who really enjoys writing down they’ve been spending $0.47 on a stamp and $2.19 on celery? Not me, that’s for sure. And I don’t blame you either if you have been postponing budgeting […] Read more »
Debt and Cleaning
Today’s post is from my friend Prudence, who hails from Prudence Debt Free. I had the honor of having her guest post once before, and I’m very excited to have her back. So please, give her a warm EOD Nation welcome! Should we hire house-cleaners again? A couple of weeks ago, I was talking with two colleagues about how we used to hire house-cleaners. “Do you hire cleaners?” I asked Cam. “Of course we do!” he answered. As a working couple with two small children, he and his wife found it made life manageable to have the services of a […] Read more »
Navigating The Pace of Debt Reduction
Happy Wednesday, EOD Nation! I have a very special guest post for you today from friend and fellow blogger Prudence Debt Free. She’s been a regular visitor to Enemy Of Debt for what seems like as long as I’ve been writing here. Once I followed the link to her site and started reading I was hooked. Today, she brings her story to Enemy of Debt. Enjoy the post, and give her some comment love – then go check out her blog. You’ll be hooked too! DD3 = Third dear daughter DH = Dear husband DD2 = Second dear daughter DD3’s […] Read more »
Are You As Financially Savvy As A 7th Grader?
My daughter and I always have a good time together. We have similar personalities, interests and senses of humor. She was aware of our situation as we fought to pay off over $109,000 of credit card debt, and even shared her perspective on our journey in a guest post here on Enemy of Debt. She apparently also paid close attention to how our view on money and what is important in life changed over the last few years have changed. I found this out through a conversation we had last weekend. We had gone to the mall to buy a […] Read more »
I Love You Like a Blogger Roundup – 7/4
I’m away for the weekend celebrating the 4th of July in the great city of Chicago with some friends and family. We had a great night last night at a dueling piano bar and having Chicago style pizza, and today it’s off to Navy Pier and the Dave Mathews Band concert. We’ll wrap things up with going to Ribfest on Sunday….YUM! How are you spending your 4th of July Weekend? Before we get into our usual fist pump routine, I wanted to mention that I had the honor of having a guest post published at mint.com this week. I Don’t […] Read more »
The Big Wins You Should Go After
The following is a guest post from Martin of Studenomics, where he’s totally focused on creating financial freedom by 30! I’ve been writing about personal finance for five years now. I’ve explored every topic from big wins to frugality to real estate. There are times where I discuss more advanced topics. Then sometimes I run into a friend and they want to hear about getting started. I know that most of you are past the stage of getting started so we won’t discuss the basics. Instead we will refresh on the big wins. The one thing that we’re all delusional […] Read more »
A Very Special Valentine’s Day Lesson Taught By My Daughter
Introduction: A few days before Valentine’s Day my daughter, Tori, came to me with an idea she had for a gift for Vonnie and me for Valentine’s Day. I could tell that this meant a lot to her, and her sincerity and creativity impressed me so much that I knew I had to help her make it happen. Tori has written for Enemy of Debt once before, and did a wonderful job, so I asked her if she would write about the experience to share here. Please welcome back my daughter for a very special guest post: It was only […] Read more »
What Options Do You Have When You’re Buried In Debt?
Editors Note: Today’s post is a guest post from Bob Miller, one of my friends over at CareOne Services, Inc. Hope you enjoy his expert advice and perspective on debt! Do you find yourself buried in debt? Does it feel like all of your income is going toward paying off credit cards? Does it seem like there’s no way you can dig yourself out of this financial pit of despair? Are you tired of the constant collection calls? Do you just want it all to STOP? You’re not alone. Millions of people struggle to manage their debt. In fact, a […] Read more »
When Frugal Travel Hacks backfire
Today’s post is a guest post by NZ Muse, a writer from Auckland who’s just completed a six-month trip around the world. She blogs about money, travel, food, and generally bumbling through Gen Y adulthood. Think you can’t afford to travel? Saving dosh while traveling isn’t much different than saving dosh in your day-to-day life. It’s all about weighing your priorities and cutting back in some areas so you can spend more freely on what matters to you. You can fly from point A to B – or you could catch a bus, or even hitchhike. You can eat in […] Read more »