I Hear the Secrets that you Keep…

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I do, I hear them; the denial, self talk, and the inevitable, “What am I going to do?” They are secrets you keep from everyone; your family, your friends, and even your significant other. You’re in debt. It doesn’t matter how it happened, what matters now is that you do something about it.  That’s where I come in. I am a certified credit counselor for CareOne Debt Relief Services and everyday I talk to people about their debt. Sometimes I am the first person they have admitted this to and they are scared, apprehensive, and skeptical. I would be too; […] Read more »

EOD POLL: The Challenges of Becoming Debt Free (Pick Top 5)

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On Monday I asked for you to respond in the comments section detailing your biggest challenges to becoming debt free. I received some really great responses and really appreciate the time you took to share your thoughts and struggles. I decided to create a reader poll to list some of these challenges but also add a few more things I thought others might experience in their debt free journey. This time I want you to pick the TOP 5 CHALLENGES you face. Read more »

Debt Free News #21 – Congratulations Amy

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The Enemy of Debt Questionnaire – Congratulations Amy! How much debt did you have and how long did it take you to pay it off? I took a 401(k) loan in 1997 of $8,000 for a down payment on my condo. My mortgage was $34,800 for 15 years. I paid off the mortgage in 2005. I paid off the 401(k) loan in 2001. I bought a new SUV in 2006; did a dumb thing by trading it on a new model in 2008; the car loan was paid off in 2010 (it started out about $25,000.00 – stupid, I know […] Read more »

Two Giveaways and a New Business Venture

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Today I wanted to take this opportunity to share some things with you in case you missed it over the weekend. Many of you know Budgets Are Sexy but did you know that Giveaways Are Sexy too? Well they are, and my friend J. Money is making sure of it. This week I am sponsoring a sexy giveaway!! I have offered up a Financial Peace University Lifetime Membership Kit ($119 value) and you are invited to enter the giveaway. After you finish this post be sure to head over and enter your name to win!! Read more »

Take a Step Back…Put your Financial Behavior in Check

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Debt is sometimes inevitable, unavoidable, and well a fact of life for many. No matter what your stage of life you may be faced with financial issues. Life can take its toll on your finances; unemployment, an unexpected illness, divorce or a death in the family can send you into a financial tailspin. But sometimes financial issues stem from a cause deeper than the unexpected; the way you think about money. To snap out of bad financial habits it may require some lifestyle and behavioral changes. 10 Financial Principles Dr. Bernard Poduska, author of For Love or Money writes about […] Read more »

Where Debt Begins: The Disconnect Between Perception and Reality

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If you are like most people today, you have debt payments challenging your future and creating a drag on your ability to invest. In addition to the financial issues debt creates, it also affects how we feel about ourselves and how we look at the world around us. We may think to ourselves, “what’s wrong with me?” or “where did I go wrong?” To move past these feelings, it might be helpful to consider where it might have all started. Read more »

‘Twas the Night Before Christmas (In Debt Edition)

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‘Twas the night before Christmas, when all through my mind Not a buck to my name, not a one I could find; My credit cards are maxed out; but I still need to flaunt’em. While I stand there and watch my finances hit bottom; The children were cozy all snug in their beds, Not a clue in the slightest of the danger ahead; Their beds could be repo’d, or even their pet, We borrowed for everything; and now we’re in debt. A reality check is in order but who will it be, to open my eyes and help me face […] Read more »

Debt Free News From A Debt Free Reader #12

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“Thank God it’s Debt Free Friday!” That sounds a lot better than the popular “I hate my job, and the weekend is the only time I can enjoy life” counter part. Maybe if you were inspired to join the debt free soldiers, you would have a little more wiggle room to figure something else out. Congratulations, you’re in luck. That’s precisely why I created this series. I wanted to show you that everyday people, JUST LIKE YOU, have decided to kick debt to the curb to eventually realize debt freedom IS everything us weirdos say it is. It is true […] Read more »

Martin Luther King Jr Had a Dream – Do You?

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As I had a chance to reflect on one of America’s great historic figures this weekend, I couldn’t help but think of you. Granted, what this man endured had nothing to do with personal finance, but it had everything to do with amazing self-sacrifice, determination, courage and hope. These are all things that are needed when trying to defy overwhelming odds in order to make big changes in your life. On August 28, 1963 Martin Luther King Jr. delivered one of the most inspirational speeches ever, about a dream and a vision he had for America. That dream was inspired […] Read more »

Debt Free News From A Debt Free Reader #6

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Hello everyone. As always, I hope you all are having a wonderful debt free Friday. Today’s Debt Free Friday addition is from one of my good friends, Dustin from Engaged Marriage. He is a wonderful guy, and one of the things I love about him so much is his passion to help others. Him and I, have a lot in common and I know we will be working together on some great projects in the future. Please stay tuned by subscribing to Enemy of Debt if you have not already. You would be missing out if you did not also […] Read more »

We’re Debt FREEEEEEEE!!!

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…20 months in the making. We are finally debt free! Two months to save $2,000, and 18 months to pay off about $26,000! The feeling is amazing! We owe NO ONE but our mortgage company! NO car payments! No furniture payments! No student loans! No more stupid debt for us please! A lot of people dream about this day, but it seems like fewer people actually work towards it! Are you that person? We used to be. We accepted all of the social standards for having and using debt and it didn’t work out. Freedom is so much more sweet […] Read more »

This Is What Debt Free Looks And Feels Like!

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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 »

3 Proven Steps To Debt Freedom

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        I receive a lot of emails asking me “where do I begin?”, so I decided to write this blog about just that.  One of the most overwhelming feelings for most is in the beginning, when things are not very clear, and you do not know where in the world to start! You are not alone,  and like MANY others, I have been there too!  There is a reason why it is overwhelming, so I want to discuss some prerequisites before we get started with the 3 Steps To Debt Freedom. Prerequisite #1 – You must STOP […] Read more »