I’m so in debt. It is so hard for me to get out of debt. My husband is not on board with it. It is not possible for me to get out of debt. I have spent too long living on nothing so I am going to start living now even though I have to…

I am VERY UNHAPPY with quick cash and title loan places. They offer quick cash … for a fee … for a VERY LARGE fee. Don’t believe me? Do what I did. Go to the web sites of these establishments. One you can try is http://www.paydayok.com/loan_cost.asp Type in $500 for the state of Indiana, SC,…

My life’s passion statement is to help people accomplish far more than they ever thought was possible. One key way that I am seeking to accomplish this is by teaching people about personal financial management. I have realized that if I can help people with their financial situation, then they will be better able to…

Today, I mark 20 years since I learned about debt and its impact on my ability to achieve financial freedom. It was 20 years ago that I learned that if I had debt, it would enslave me to the lender. I learned that the interest I paid on debt would help the bank build a…

Budgeting is easy. Three years ago, I would never have written that statement, but today I can passionately state that budgeting is easy. Here is a key fact to remember. Budgets do not require calculus, differential equations, geometry, physics, or trigonometry. Budgets do not even require division or multiplication. Budgets really only utilize addition and…