If you find yourself deeply in debt, struggling to make payments, or tired of enduring the tedious nature of the debt repayment process, an early 401k withdrawal appears to be an incredibly appealing option. You may think that dipping into your 401k early is the solution to your problems and you’ll rationalize how this move […]
Are you just getting started on your debt free journey? Do you feel overwhelmed with tracking all of your bills, balances, and interest rates? A debt tracker spreadsheet is an incredibly powerful tool that you absolutely must utilize whether you’re beginning or in the midst of your debt free journey.
There’s something incredibly disconcerting about completing a zero-based budget and then sending all of your extra cash towards your debt. It’s not that repaying debt is uncomfortable. It’s the fact that you’re not saving money anymore. Even though you’re making incredible financial progress, every time you purge your bank account in the name of debt […]
It’s guest post Friday!! Today, I’m excited to have a post from My Best Friend The Money Guy. Dale shares the necessary steps to stop planning and start doing! As someone who suffers from “paralysis by analysis” this post would have been extremely helpful when we first started our debt free journey! Dale is a […]
Starting and completing the debt snowball are wildly different things. A lot of people start their debt free journey with enthusiasm, and most end up wondering why their debt snowball failed… They are left confused, angry, and defeated. If you find yourself in that situation, you need to not only read this page…you need to […]
I’m excited to have a great guest post today from Dr. Breathe Easy! Dr. Breathe Easy is a pulmonary and critical care physician… and also a great debt slayer. I’ve been fortunate to get to know him over the past few months and I couldn’t wait until he had time to send a post my […]
Saying NO to a friend or family member can feel like a high wire exercise. Will drawing a line in the sand break the relationship, or cause long lasting hurt feelings? We cloak our fear with friendship and begrudgingly agree to do a lot of shit that is detrimental to our financial health. Why do […]
Dave Ramsey’s Baby Steps are synonymous with debt freedom. The popularity is both earned and warranted by Dave himself. Mr. Ramsey has branded himself well and, to his credit, has helped millions get their financial shit in order. I love the motivation he exudes, but I loathe the strict program he keeps his “fans” on. […]
Ho, Ho, Holy shit! Has Christmas shopping totally destroyed your budget? For years and years, my wife and I would set a “limit” on our Christmas spending. I put “limit” in quotes because neither one of us paid any attention to it. I’d become obsessed with buying every possible item I thought she’d like.
So, you’re in debt… You want to get outta debt, but you don’t know where to start… I hear you… I was once there a few years ago, and I felt hopeless. What I came to learn was that getting out of debt isn’t really that hard. Making the long lasting lifestyle changes is the […]