Nine Reasons to Become Debt Free     To enjoy life.   Debt has a way of diminishing our quality of life.  It often takes the enjoyment out of the simple things in life.  After piling up debt after debt, we spend half our lives just paying the cost of interest, in addition to repaying […]

To pay for college without adding more debt.   Many kids and adults never have the opportunity to go to college, because of heavy debt loads, even though it is a necessity in today’s world.  The average American household pays $100 a month in just credit card interest alone.  Just think what could happen if […]

  Nine Reasons to Become Debt Free       To have money for repairs.    If you own or even rent a home, you will need money for repairs and general upkeep.  Some examples of possible repairs are a leaky roof, a squeaky furnace, household appliances such as the washer, dryer and refrigerator, and […]

Debt Denial     A lot of denial takes place when it comes to the subject of finances, debt, responsibility and financial accountability.  You may deny that debt is bad.  You may deny that you really have debt.  After all, isn’t debt just being past due on your payments?    Isn’t a loan just a […]

Retirement Issues & Musings & Random Thoughts   I’ve created numerous budgets for possible retirement scenarios.  The one thing that seems to always come to light, is that I need to work more, save more, spend less and prepare for the unexpected.    For all of you who are in the state of denial, consider […]