the debt blog

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thats funny

this is so true

how does this impact my state

does anyone know the real story

it should be interested what change will this make

Savings.  Rainy-day Fund.  Cash Reserves. The Emergency Fund.  It goes by many names, and whatever you want to call it, ours helped us to get out of debt. Why we established an emergency fund before attacking our debt – When we first decided to start paying off our consumer debt, we were pumped.  It would [...]

if people only knew

With so many of us focusing on improving our finances in 2012 – I thought it might be beneficial to link to a few of my favorite personal finance-related resources: Free Printable Grocery Store Price Book – I created this printable price book to track fluctuations in the prices of grocery store items.  Download the [...]

Rome wasnt built in a day!

According to this recent L.A. Times report – Consumer borrowing increased at an annual rate of 10% in November,the largest jump in a decade…  Outstanding credit card debt increased 8.5% in November… (emphasis, mine) It appears that folks are using credit cards more than ever – and outstanding balances are increasing. For more than seven [...]

if people only knew

When all is said and done, it is the done that counts. Lots of folks spend their time talking about their problems, especially their financial problems.  Only a select few ever commit to the task of fixing those problems.  The talking is important, but only if it actually leads to real changes.  Decisions must be [...]

more to read in our archives

Two years ago my wife and I purchased our very first home. We have a conventional, fixed-rate 15-year mortgage.  Our goal is to pay it off our mortgage in less than ten years. As of January 13, 2011, we have made 22 regular monthly mortgage payments.  We have also made several additional principal-only payments. Our [...]

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Years ago I took a two week vacation in the Smokey Mountains for free.  It was awesome.  We were just a few minutes drive from the National and state parks, a half hour from Gatlinburg and forty five minutes from a major city.  The house was tucked away down a back road without a neighbor [...]

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thanks for delivering this story to me

It has been a seriously long time since I posted.  Don’t you just hate it when someone you have been following just goes away?  I know of several bloggers that were posting daily and sometimes several times daily that just disappeared.  I always wondered what changed in their lives. I have been very involved with [...]

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if people only knew

Why do you find it so difficult to do your job?  You are supposed to be some of the brightest, most well educated people in the United States and instead you act like a shopaholic with a credit card and a teenager arguing with their siblings.  Why exactly do we need more debt?  Why can [...]

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if people only knew

Is your health suffering because of your budget?  Most of you know that we live on extremely low income and so budgeting food is always a challenge.  We garden and have a small farm.  We have added chickens to the farm and hope to be getting fresh eggs soon. However, we still buy staples like [...]

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Can debt management plan helps to reestablish your credit report? The consumers should work on reestablishing and retaining their credit report in order to get favorable deal from the lenders. If you are struggling to come out of debt then debt management plan can help you pay off the debts and your credit report will [...]

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A myth with debt is that it only happens to people in the lowest socioeconomic groups in society, but it is little more than a myth. It has become apparent in the last few years that debt affects everyone regardless of class or background.