The bumps in the path on our move towards debt freedom jostled our resolve. We had no debt but the mortgage and an equity loan that had allowed us to enlarge the home to three bedrooms for our growing family. When he left his job in 2007, our income fell squarely on my freelance writing resources. It was NOT pretty. Each year the income tax refund ran out a little sooner until we were living off the credit cards. Our struggles stem from a lack of communication that grew out of an anger issue. My husband would freak out when …Find out more
Basic Finances
Squeezing Milk from a Turnip
The numbers all turn up zero. The finances have been tight the last several months. The outflow is more than the inflow due to a steep decrease in the inflow column. Hours have been spent trying to remove some of the outflow, but a dead end and brick wall seems …Find out more
Using Credit Cards Instead of Being Used
The use of credit makes a business move faster. Confusing credit and debt will cause that same business to tumble into troubles and recovery might never be possible. Entrepreneurs that understand the fundamentals of credit can make the most of credit cards without allowing those credit cards to drive the …Find out more
Finding Ways to Survive Tough Times
The economy seems to have a choke hold on many families. It is bad enough that vacations were switched to stay-cations if they weren’t cut altogether. But already many families are looking at how to get creative when the holidays come around because it is likely that budgets will not …Find out more
Top Tips for Buying and Saving on a Used Car
Car dealerships are in trouble – or at least the news media is portraying the idea that the auto industry as a whole is struggling. Anyone that has been to a car dealership in the last several months is likely to portray a different picture. Our mini-van was t-boned a …Find out more
Dave Ramsey, Hope and a Plan
Dave Ramsey was preaching hope last night on a multi-media town hall meeting. It was inspirational and it was uplifting. Hope is always a good thing and is appropriate for any point in life. The great thing about him is that Dave Ramsey also teaches action. All the hope in …Find out more
A Change is Coming
The last several years there has been a resurgence of money consciousness. The need to be debt free has started to override the lessons that everything must be gotten now and at all costs. Young families, new families, singles and empty-nesters are all joining the revolution to become debt free. …Find out more
It is All About Money
In this day and age it seems that everything is money, money, money. The only thing people ask about your new job is if you are making more money. The only thing that anyone seems focused on with your new house is how much you paid for it. If you’ve …Find out more
Debt – How to Dig Your Way to Freedom
For anyone out there who has ever forgotten a payment or found themselves with more debt than their income could pay, you know how aggressive some of these creditors can be. When we found ourselves in deep debt, the calls got rude and insulting. We were blessed to be able …Find out more



