Five years ago, we were able to pay off the last of our credit card debt. I can't believe it's been 5 years since that last payment was sent and we were credit card debt free! Really, time has been flying by. We've done a lot of stuff since breaking the chains of debt, and I'm excited that we've been able to do it.My wife and I are living a much better life sans consumer debt (minus our mortgage). In fact, we've been able to save over … [Read more...] about 7 Easy Steps We Used to Crush Credit Card Debt
There is a lot of advice out there to tell you what you "should" do with your money, but we're going to show you what you "shouldn't" do with you money. Especially when you're just starting out in the workforce and you're in your 20s. This is a time you need to be focusing on finding a career, finding a place to live, and many other aspects which revolve around good money management.Your 20s will be your first full decade away from home. That … [Read more...] about 5 Money Mistakes You Should Not Make in Your 20s
Wow, how time flies when you're having fun (or saving money). Seriously though, I can't believe it was back in 2012 when I paid off my last credit card after being in the hole for so long. I fought for four years to pay off those damn credit cards, along with the consumer debt at the same time. It was a constant struggle, but it has paid off in more ways than one. I still shake my head in disbelief when I look back to see where we've … [Read more...] about How We Saved Over $180,000 After Paying Down Debt
With the passing of Turkey Day, the official beginning of the holiday shopping season starts! There are sales EVERYWHERE! Retailers are doing their best to get your attention and get you into their stores to purchase their products for your loved ones this season. Rock bottom sales and deals ensue! But the bigger question that looms is this: how do you pay for it all if you don't have the cash on hand? Credit Card Dilemma The easiest way to … [Read more...] about Is Holiday Shopping With Credit Cards Right For You?
It's a sad day in the debt repayment space, especially those with student loan debt (there are so many). The awesome tool, ReadyforZero, has decided to shut down and focus on their blog content. You can still check out their blog here. While I think blog content is important, their tool was one of the best in the student loan debt space. Technically, they shut it down last week, but I wanted to wait in hopes they would get some hate mail about … [Read more...] about 6 Free Apps to Help You Pay Off Student Loan Debt (or Any Debt Really)
You vowed that this year was going to be the year that you finally manage to kick financial butt. The only roadblock? Your debt and bad credit. When you first start trying to rebuild your finances, it feels like these two things actively work together to keep you deep in the money weeds. The most common piece of advice? “Get rid of all of your credit cards and never use them ever again!”On the surface this seems like pretty good advice. If … [Read more...] about Is Cutting Up Your Credit Cards to Get Out of Debt a Good Idea?