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No Credit Needed Debt Reduction Guide Free eBook Download

Recently, I published the online version of the No Credit Needed Debt Reduction Guide. Today, I’m releasing another version of that same guide – a free eBook. Download your free copy and let me know what you think about the guide. Depending on your browser setup, you may need to right-click and select ‘save as’ or ‘save file as’. The eBook is copyrighted.  Feel free to share it with your family and friends.  Please, do not make any changes to its content. At only 8 pages long, the eBook was designed to be a simple, step-by-step guide to reducing debt. I am not a certified financial planner.  I just enjoy encouraging folks as they work to get out of debt.…

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Facing The Frustrating Realities With Which We Must Deal

As you move away from financial irresponsibility and towards financial stability, you will find yourself becoming aware of certain new realities. First and foremost, you will note that the vast majority of Americans live without much regard for their own financial futures. Supported by a massive government that believes in handouts and bailouts, many folks have forgotten the idea of personal responsibility. Living well beyond their actual means, most have succumb to the pressure to have more, get more, and use more. Ironically, instead of supporting those individuals who wish to save, our government promotes consumption. Instead of urging people to save for down payments (and thus prove financial maturity), our government promotes even-lower mortgage rates, swelling the supply of…

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10 Things To Do After You Get Out Of Debt

As I mentioned a few weeks ago, I have been debt free for two years. After two years of enjoying life – debt free -I can state, without hesitation, that deciding to get out debt was the smartest decision I have ever made. I cannot explain how different my life is now. Instead of worrying about interest rates or late payments, I can enjoy the process of saving money and planning for the future. Clearly, getting out of debt was a big deal. But, my goal is to live without borrowing money. To that end, I have been working my way through the following list of – 10 Things To Do After You Get Out Of Debt I created this…

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