From the category archives:

debt

Dave Ramsey’s 7 Baby Steps By The Numbers: Getting Started

February 10, 2009

I’ve been writing about personal finance for just over a year now.   During that time I’ve written a lot of about Dave Ramsey and his class “Financial Peace University“,  but I realized that I’ve never written in depth about his 7 baby steps plan to getting your finances in order and on track.  So today [...]

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The Best Decision Doesn’t Always Make The Most Financial Sense

January 20, 2009

One thing that I’ve come to realize over the years is that getting your finances together and winning financially doesn’t always make sense. In fact, sometimes, it defies financial logic.
There are a lot of reasons why this is the case,  but for me the most convincing one is that we as humans aren’t perfect [...]

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A Commonly Believed Myth: The Little Guy Just Can’t Get Ahead

January 12, 2009

photo credit: ivoryelephantphotography

During the time that I’ve been writing this blog, one thing that I have noticed is the difference in attitudes between those who are on their way to financial success, and those who just seem to be mired in debt and despair.  They have a distinct difference is an attitude and outlook.
Those [...]

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Headed for Debt Disaster? Here’s How to Tell

December 4, 2008

This is a Guest Post written by Tisha Tolar. Tisha is a freelance writer providing content for CreditCardAssist.com, where she regularly writes about credit cards, rewards programs and general consumer finance issues.
Busy, busy, busy. That is how so many people describe their lives today. There is not always time to truly focus on the important [...]

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When Canceling A Credit Card, Be Ready For The Emotional Appeals To Stay

December 1, 2008

Time to cancel the old credit card!

photo credit: danesparza
I recently called to cancel an old American Express card that I’ve had since 2001.  I cut the card up in early 2008, and had stopped using the account several years ago.  It was time for the card to be gone for good.
When I called to [...]

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Christmas Budgeting Tips: Avoid Overspending At This Expensive Time Of Year

November 25, 2008

The holidays are almost here, and if you haven’t already, it’s time to start thinking about buying Christmas gifts for family friends and neighbors! Will you be heading out to wait in line at one of the Black Friday sales?

photo credit: Paul Keleher
Christmas is one of those times of year that we [...]

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5 Keys To Overcoming The Urge To Splurge

November 21, 2008

Christmas is for debt?
Christmas will soon be upon us with all of the good cheer, family get togethers and presents!
All of the big department stores are already in full-on Christmas mode, with aisles upon aisles of decorations in the front of the store and Christmas music pumping over the PA systems.  It’s hard not to [...]

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Reader Question: Is It A Good Idea To Get A 401k Loan To Pay Off Debt?

November 13, 2008

I had a question posed to me this week about 401k loans, and whether they were a good idea.  The person said they were considering using a 401k loan to pay off some higher interest credit card debt.  The rationale behind doing this was that they’d rather pay themselves interest than the credit card company, [...]

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A Way To Control Spending: The Envelope System

November 3, 2008

We need a way to cut our spending
This past summer my wife and I took a class called “Financial Peace University“.  The class is built around the teachings and personal finance framework put together by Dave Ramsey. Ramsey has made it his career goal to help people take responsibility for their financial life, get [...]

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