The Trick To a Balanced Budget

When I started my Debt Free Do Over earlier this year, the first thing I had to do was start a budget. The scary thing about doing my budget was that I knew that it wouldn’t look pretty. In fact, it was downright ugly! When I started my budget, I looked at my monthly income […]

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How To Eat An Elephant

Have you ever had a huge task to accomplish that you didn’t know how you could possibly ever complete it? Several years ago, I was studying for a major test and my mentor, seeing that I was overwhelmed said, “Do you know how to eat an elephant?” I thought the question was strange, and I’d […]

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The Writing On The Wall

It’s been a while since my last post, and while I intended to blog earlier than today, it was somewhat intentional that I took a little breather from my blog. I’ve spent the last 45 days or so re-evaluating my personal financial plan. I revamped my budget, I even set up spreadsheets to help me […]

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Last week, I asked you if you are mad enough to really make a difference in your financial situation? Getting mad is important because it motivates you to make a shift in how you see things and it motivates you to change course. If you were driving down the road and you hit a pothole […]

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Are You Mad Enough?

Over the last few posts, I’ve shared a little of my story, some basic techniques to make your money listen, and I’ve shown you how you can be prepared for life’s little emergencies. All of that planning leads up to this point.  Now we start talking about getting out of debt! Paying off your credit […]

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Be Prepared

The Boy Scout Motto is: Be Prepared. This motto is simple, yet extremely important.  The Scouts train to be ready for almost any situation in the wilderness, from injuries and bug bites to knowing where and how to best establish temporary shelter in crisis. Likewise, as you move to get out of debt and take […]

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Robbing Peter To Pay Paul

Week-by-week and paycheck-by-paycheck, managing money and paying off debt seems increasingly more challenging. You try to pay your bills, but there are too many left at the end of the paycheck and you find yourself trying to perform a balancing act to keep the creditors off your back for one more week. So, you have […]

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A Bittersweet Anniversary

Last week was a bittersweet anniversary of sorts for me. On February 5, 2009, I hit the “SEND” button on my last payment for my 2004 Chevrolet Venture Minivan. It was the last bit of my consumer debt to go to become debt free! I started my journey to freedom from debt around August of […]

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