We Are Living Debt Free – 5 Years And Counting
As I mentioned in yesterday’s post, my wife and I just celebrated our fifth year of living debt free. Here’s how our decision to get out of consumer debt changed our lives: We do not pay interest. We...
View ArticleStarting Over With Debt Reduction
As we zoom towards the new year, I thought it might be beneficial to write a few posts about “starting over” – and finding renewed enthusiasm for both debt reduction and saving money. It’s easy to lose...
View ArticleWhen all is Said and Done, it is the Done that Counts
When all is said and done, it is the done that counts. Lots of folks spend their time talking about their problems, especially their financial problems. Only a select few ever commit to the task of...
View ArticleWhat I Learned From My Old Jobs
When I was fourteen, I got my first, real, paycheck-at-the-end-of-the-week, job. I spent the summer working on a blueberry farm in South Georgia. The work was hard. If memory serves, we began...
View ArticleDebt Reduction Takes Attitude
Over at Money Smart Life, there’s a great article about personality traits and how they can help pay off debt. I particularly like Miranda’s take on the importance of patience - Sometimes, it’s not...
View ArticleGet Out of Debt – Get Focused and Get Free
Several years ago, my wife and I decided to get out of debt. That decision changed our lives. We focused our time, effort, and energy – and paid off all of our consumer debt. We paid off our cars...
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Envelope System Video – Simple Cash Management
I created this video 7 years ago (wow!) to demonstrate my favorite cash management system – the envelope system. I have been using the envelope system for nearly a decade and it really is a great...
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How To Stay Motivated While Getting Out Of Debt
Let’s be real. The idea of getting out of debt sounds awesome. The day-to-day grind of getting out of debt… not so much. Here’s how to stay motivated while getting out of debt - Celebrate Your...
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Fight For Your Independence And Get Out Of Debt
Let’s not wait until January 1st to focus on getting out of debt. It’s July – It’s time. Fight for your independence- and get out of debt, today! No doubt, a little dramatic, but you get the point....
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I Still Buy Stuff I Do Not Need
I have been writing about personal finance (as in, my own) for nearly a decade. In that time, I’ve had some financial success – paying off my consumer debt, purchasing a new home – and some blogging...
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My DIY Adventures
Over the past few years, I’ve worked to improve my DIY skills. Here are a few of the projects I’ve tackled – with an eye towards saving money and doing it myself. I replaced the garbage disposal below...
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Getting Our House Ready For Fall
A quick Google check confirms it: The first day of fall is September 22. I had to look that up just to be sure, because the high today was 91 degrees, which is decidedly un-fall-ish. In just a few...
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How We Are Paying Off Our Mortgage
We have a 15-year fixed-rate home mortgage – and we are working hard to pay it off in less than 10 years. We purchased our home in February of 2010. The original mortgage term of our our loan was 180...
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How To Save Money On Repairs
Here are a few tips and tricks for saving money on repairs - Keep track of your manuals. I have a binder wherein I keep the manuals for all of the tools and appliances that we buy. Quick tip – If...
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Avoid These Budgeting Mistakes
My family and I have been living on a budget for nearly 10 years. Over that time, we’ve made our share of mistakes – and we’ve adopted some valuable habits. When making your budget, consider the...
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Call For Discounts
This tip is an oldie but a goodie – and it works for me: From time to time, I call the companies with which I do business – and ask for discounts. I just (literally, one minute ago) got off the phone...
View ArticleDebt Reduction Takes Attitude
Over at Money Smart Life, there’s a great article about personality traits and how they can help pay off debt. I particularly like Miranda’s take on the importance of patience - Sometimes, it’s not...
View ArticleGet Out of Debt – Get Focused and Get Free
Several years ago, my wife and I decided to get out of debt. That decision changed our lives. We focused our time, effort, and energy – and paid off all of our consumer debt. We paid off our cars...
View Article10 Debt Reduction Quick Tips
Are you working hard to get out of consumer debt? Awesome! Check out these 10 Quick Tips – ways to decrease spending, increase savings, and speed up your debt reduction – Early and Often After making...
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How To Stay Motivated While Getting Out Of Debt
Let’s be real. The idea of getting out of debt sounds awesome. The day-to-day grind of getting out of debt… not so much. Here’s how to stay motivated while getting out of debt – Celebrate Your...
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