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I've been out of debt many times. Which means that I've been in debt many times. I have had a tendency to get the same satisfaction paying off a bunch of debt as I did racking it up. I would be super-frugal while in debt-payoff mode, then as soon...
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I have had a no-stress Christmas so far. I visit thrift stores, flea markets and tag sales year round, and pick up little things that I know people will like as gifts (a few dollars here and there is so easy spread out year round). I have a gift shelf...
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...but am climbing back on. Well, I've been trying to accomplish a couple of goals in these last few months -- one was not to incur any more consumer debt, and the other was to get some stuff fixed around my house. It turns out that I over did it...
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Two years ago, I took out a lease to own contract with Dell computers for a laptop, software, and digital video camera for my training company. I needed the equipment, didn't have the money to buy it outright, and didn't want to use a credit card...
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I am not as proud as I would have been if I'd paid it all off in income, but I re-financed my mortgage and rolled in a home equity line of credit and the last remaining credit card I had hanging around. I'll be paying less for this one bill than...
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It was in February of 2008 that I decided to change my relationship with money. I was sick of living week to week, always being scrambling to pay bills, being in debt and being generally stressed over money. I bartered with a life coach for a couple of...
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After thinking about selling my house, I have decided to stick it out at least another year and am in the process of refinancing. The lower interest rate will save me quite a bit each month, and I am "rolling in" a home equity loan ($14,000...
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The past few months have been pretty tumultuous. I'm no longer selling my house. The main reason I was doing it was to move in with my boyfriend, and we both realized it wasn't a good idea for many, many reasons. Although the economic benefits...
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Well, I've decided to sell the house and all the stuff. I'm going to move in with my boyfriend on a "roommate" basis. I'll have my own room, my own space, and just split the bills with him. If it doesn't work out, I'll have...
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It was 2002 when I first heard about the Dave Ramsey method, but it just confirmed what I knew to be true about money, debt, and freedom from my upbringing. Somehow along the way, though, I went astray and bought in to the whole consumer culture with...
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