It’s the Holidays…But You Are in Debt

It’s the Holidays…But You Are in Debt

It’s the holidays… but you are in debt. But…it’s the holidays… And you are still in debt. This is a hard time of year. Especially because if you are like me, you’ve got kids. You’ve got people who are depending on you for stuff. And not just stuff – but holiday memories. And you sure…Continue Reading

Spend Less on Candles

Spend Less on Candles

I saw this screenshot of a tweet several weeks ago, and I’ve been hanging onto it to use for this post. I know that it’s just silly to think that anyone would spend $3600 on candles. And I know that if his family really were dying, the answer to how to budget that is simple……Continue Reading

Admitting You Need Help – That’s The First Step

Admitting You Need Help – That’s The First Step

As with any other problem in your life, admitting you need help is the first step. But where to get that help? For people who like to be in control (as I’m betting you do) – it’s not easy. If you admit that you need help, you admit that you do not in fact have…Continue Reading

Guest Post: Save Your Way Out of Debt

Guest Post: Save Your Way Out of Debt

Saving is the fastest way out of debt. Time and time again I see men and women in debt keeping themselves in deprivation mode saying things like, “I can’t buy new clothes until my debt is paid down,” or “I don’t deserve a vacation because I’m only paying the minimum on my cards.” A poverty mentality…Continue Reading

Yes, I’m in debt. And yes, I bought that.

Yes, I’m in debt. And yes, I bought that.

Being in debt sucks. You know that. And it’s hard, when you are in debt to stick to your guns where spending is concerned. Especially if you are in debt, not for student loan or medical reasons. You got there because you like spend money, or get things, or go places. Those habits are hard…Continue Reading

Q&A: Will Credit Consolidation Hurt My Credit Score

Q&A: Will Credit Consolidation Hurt My Credit Score

I wrote a guest blog for The Penny Hoarder a few weeks ago – and one of the questions I got, both via email and on Facebook was regarding the part where I talk about using a Credit Consolidation company to help me pay it all off. Specifically, the questions revolved around whether doing it…Continue Reading

Debt Avalanche vs. Debt Snowball

Debt Avalanche vs. Debt Snowball

When you are in debt, you need a solution. Paying off the debt, is of course, the goal – but how to get there? That’s the problem. From my experience, and what I’ve read, there are two major ways to achieve the goal. And to be completely honest, I hadn’t heard of them, but they…Continue Reading

5 Ways to Make Money Without Leaving the Couch

5 Ways to Make Money Without Leaving the Couch

It should be clear to you at this point that it is entirely possible to pay off large sums of debt. And, just in case you missed it…the only way to do that is to make some money. When I first started down the journey to soul-crippling debt, it was as a lark. I had…Continue Reading

5 Money Myths + How to Avoid Such Nonsense

5 Money Myths + How to Avoid Such Nonsense

I grew up in lower-middle class America. My dad was a firefighter/paramedic in a suburban township in North Central Ohio, and my mom went back and forth between staying home with me and my sister and working as the director of a day care facility. We never had much money. Mostly that’s because firemen in…Continue Reading