Getting out of debt is simple, but not easy. It takes some patience, and most of all a plan. We aren't used to financial planning, now, are we? As long as there was cash available on the credit card, we bought stuff! Well that "plan" isn't going to work any more. Many people have been using credit lines as a substitute for additional income, as incomes for most Americans haven't gone up since the 1980's. Now we have to learn to live within our means, meaning, spending less than we make each month. Read more »
Can You Give Up Using Credit?
If you are having financial trouble, and think you need credit help to deal with creditors, repair your credit score and raise your credit score to be able to get more credit, maybe it's time to think about things differently. For example, many people trying to improve their credit are desperately trying to get more credit. But clearly, there is a problem, because you can't be in credit trouble if you know how to handle credit. Read more »
How to Become Debt Free Painlessly
Becoming debt free is a journey that can takes months or even years. It will be a relief and you'll be able to live with a lot less stress when you finally accomplish it. If you become totally debt free you'll be ahead of a lot of other people who will never get their feelings of elation. Here are some tips on how to experience financial freedom while still living life to the fullest. Read more »
Live Free From Debt and Still Have Fun
There are several ways to live free from debt and a variety of reasons why this would be the right lifestyle for you. When you make this choice you'll really have to dedicate yourself to a plan and get your partner to help you. It takes constant vigilance but you may find that you have a lot less stress when you aren't dealing with bill collectors. Read more »