Debt

  • Credit Repair – Negative Items

    Using credit wisely is the best way to avoid the need to “repair” credit. But for many of us, this lesson is learned the hard way long after our credit reports show a multitude of late payments and even collections. We find ourselves with an attitude of acceptance that our credit is just “ruined” and Read more

  • Debt-Free Transportation: Tips for Ditching Car Loans and Interest Payments

    A vehicle is one of the most expensive things you will ever buy and most of us need, or at least believe we need, a car. If you live in an area that doesn’t have an easily accessible public transportation system, you probably need one. Owning a car is expensive. You have to pay for Read more

  • Debt Payoff Methods: A Personal Success Story

    I believe it’s true that wise people learn from their mistakes and experiences. Even wiser people learn from the mistakes of others. We can all learn from each other, but only if we are willing to share those experiences. I would like to share some of mine with you to give you an example of Read more

  • Debt

    “Don’t have the money right now? Just charge it.” This has become the norm for too many of us. We can’t afford something so we purchase it with a credit card. We don’t have the money for a new car so we get a loan. We carry student loans for decades. We get sucked in Read more