P90X is Doing for my Body, What the Total Money Makeover Did for my Finances

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Photo Credit: West Point I wanted to get out of debt so I BROUGHT IT!! Now I want to lose weight so I’M BRINGING IT!! What do they have in common? Intensity! It’s about intensity and doing things you wouldn’t “normally do”. It’s not about kind of sort of wanting to lose weight or dump your debt. It’s about sacrifice! It’s about intensity! If you’re not willing to do either your debt free journey will seem like a trip to the moon, and likewise, if you’re trying to lose weight! Its about dedicated and deliberate action! When your security and […] Read more »

What P90X Can Teach You About Paying Off Debt

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Hello everyone and welcome to Enemy of Debt! As most of you know, I recently realized that my actions were not aligned with my goals. This prompted me to fire up the engine room over at Enemy of Fat, but also, to start P90X right now, as opposed to later. My initial goal was to wait until I had lost a few pounds first, then start P90X. It occurred to me that I may have created the prolonged start for P90X because I was scared, AND knew P90X was going to be tough. Although some of my initial decision was […] Read more »

No Restaurants in November Challenge

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Is your budget brutally pounded by your inability to stay away from the restaurants? Of all the things my wife and I have changed about our financial habits, dining out seems to be our current addiction of addictions. We did fine while we were jazzed and intense about getting out of debt, but ever since, we have been haunted by this ghost of convenience. 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 »

Is It A Boy Or A Girl?

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That Is The Question! I have not announced this here on EOD yet, but thought that today would be the best time to do so.  Alana and I are having another baby, due to arrive on October 26th to be exact.  I am very excited about this and today we find out whether we are having a boy or a girl.  I LOVE BEING A DAD, it is the best gift EVER!   What Do I Hope We Are Having?  Honestly it really doesn’t matter to me.  Either way I will be excited just the same.  I do hope that my […] Read more »

Motivation 101 – Saving To Buy, Instead Of Buying To Slave!

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Can You Buy A House, Have A Car, Or Go To College Without Debt? With a plan you can!  It seems like every time I write an article like this I lose a few subscribers.  That’s fine, I am fully aware that I will not please everyone.  This would be too easy if I could, and frankly I like the challenge. For some reason people seem to get angry about someone (me) telling them that it is ABSOLUTELY POSSIBLE to live life without accepting the chains and bondage that come with debt.  I could speculate all day long about why […] Read more »

A Sacrifice Is Not A Loss But A Gain

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Returning Thoughts I am in my car a significant amount of time.  I have tons of time to think about so many things.  One of the questions I find myself asking is “What in the world do people say when they see my car?”.  My first response is usually laughter because I imagine what people might say who would never be caught dead in such a car.  To make it even more amusing I have a sticker on my bumper that says, “Act Your Wage”, beside another “Anti-Debt” sticker. To me this makes TOTAL sense, but the average person might […] Read more »

Murphy’s Fall

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  Murphy’s Fall? I wanted to take this opportunity to introduce you to something that you have or will possibly go through.  I have coined the term “Murphy’s Fall”.  Murphy’s Fall isn’t the fall of Murphy.  Instead it is something you yourself go through because of Murphy.  That’s right.  It’s what can happen when Murphy has moved in and just doesn’t want to leave.  It could be equivalent to what marathoners call “The Wall”, which is when a marathoner reaches the 20 mile mark and starts to rationalize giving up.  It’s when you start to tell yourself that you have […] Read more »

Memorial Day Tribute

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Without those BRAVE men and women that sacrificed and paid the ultimate price, we would not be free to have what we have. Becoming debt free wouldn’t matter much without the freedom we have been given. We should all reflect on what kind of person it takes to fill those shoes, as most of us have no idea what sacrifice of this magnitude feels like. The families who have lost loved ones, my heart is with you! THANK YOU! GOD BLESS AMERICA! GOD BLESS OUR TROOPS!   Read more »