Learning to become a debt collector can be a really daunting task.  Your whole job is to collect money from individuals that either don’t want to pay the debt, or they want to pay the debt but cannot afford to due to a job loss or other event.  Often times you will hear really sad [...]

Removing the debt from your life can have truly amazing results. It reduces stress. Think about it today with gas prices over $4 per gallon does it really matter if you are earning an average income and have 0 debt? Nope not one bit, sure you would like to see it cheaper but think about [...]

Personal finance blogs are awesome reading.  Some of my favorite blogs are ones where people are deeply in debt and working to pay it off all while detailing the journey on a blog.  This really puts the personal in personal finance. The one thing I find lacking is they very rarely determine what got them [...]

Budgets are good… Budgets are great… But who really likes to budget, they truly are a pain in the rear and I have not found one person who likes doing a personal budget. 1. Why do people hate budgets so much? Many people associate budgets with being poor, having do watch every penny. People often [...]

The first article in our reducing debt series discussed getting out of debt, after finding out where exactly your money is going you need to figure out where you can cut back to reduce your spending. This is next most critical item that is necessary to help reduce your monthly expenses so you ensure you [...]

I am one of the lucky ones, to be 100% honest with you I have never been in debt other than an auto loan and mortgage, never had a credit card that I couldn’t afford to pay off at the end of the money. This doesn’t mean I cannot relate to exactly how someone in [...]