Everyone Can Be Debt Free   The good news is that everyone can become debt free!  By not doing so, you are robbing yourself and robbing your future.  Instead of going into debt, would it not be better if the money you pay in interest went into a savings account to help you reach your […]

Benjamin Franklin On Debt   Benjamin Franklin said, “When you run in debt, you give to another power over your liberty.”   Living within your means is simply not going into debt for any purchase.  It means you purchase only things you need, not what you want, and you pay cash for things you need […]

You CAN Be Debt Free   Can you be debt free?  One person says, “I can,” another person says, “I cannot.”  Which person is correct?  Both are correct.  If you think you can, most likely you will.  It’s not so much the power of positive confession or positive thinking, as it is the sheer determination […]

Avoid Expensive Items   If you have an appetite for expensive things, it has to end.  You cannot go finance a new car without knowing just how much that vehicle will cost after you make all payments of principle and interest.  The $30,000 car ends up costing $40,000 (because of the interest added on), but […]

What Is “Less Than Perfect” Credit?   How you used your credit in the past and the reasons for your past financial difficulties are two factors that figure in your ability to get a loan.  The first step is to understand whether or not you are considered a credit risk.    Most lenders will consider […]