If you are going to rescue your life and liberate your future by breaking free from your bondage of debt, not only will you be repaying current debt, but you must also not add any new debt. You ought to consider deciding once and for all that you will not take on new debt and […]

The only way for you to provide for your later years is to live substantially below your means. If you want to have any hope of achieving financial independence you must live far, far below your means. This is not a difficult concept to understand. Although it is very simple, few people do it. Because […]

Four years ago, my wife asked me if I had heard of the financial talk-show host, Dave Ramsey. I had not. On her way home from work, she occasionally tunes into the show. Picking up my son from school, who was at that time twelve years old, gave him the opportunity to listen to the […]

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 […]

Keeping temptation away helps to stop the bleeding but it does nothing to correct past mistakes. You still have to handle past purchases, past loans and other debt you have incurred. Now that you have stopped the bleeding by saying no to new debt, take all extra cash you have and apply it to old […]