Of course, you think you have worked hard and deserve some extras, and perhaps you do – but don’t! Now is the time to say no and now is the time to give up the extra things you purchase that make you feel good. Will some of this involve saying no to some of your […]

Understanding that a lot of choices do come your way and that you have within you the power to improve your financial condition, you will come to understand that you too can be completely debt free. So what is the answer? Let’s start by making sure you know you have too much debt now and […]

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 the debt. To fulfill dreams. Debt has a way […]

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 other necessary repairs on vehicles, computers, etc. If you are maxed […]

To stay mentally healthy. Clear thinking and peace of mind cannot be taken for granted. It is hard to have clarity of thought and difficult to make good, logical and well-reasoned financial decisions when you are stressed under a burden of heavy debt. To maintain a healthy marriage. Finances are said to be the number […]