I have already shared my analysis of the best cash back credit card, and for those of us that have the financial discipline and habits to not overspend and pay off the bill each month, credit card rewards can be a...
I promise that eventually I’ll quit referring to the Nitty Gritty post. But a subject was brought up in the comments that I thought should be explored further. The idea of selling our vehicle for a cheaper one. I can’t say...
I was honored when Frank told me that I was chosen as the Happy Rock’s second writer. But as the days have passed, that feeling has gone away and a new feeling has begun to come over me. I call it...
A few weeks back I ran a contest that required the participants to explain why they wanted to get out of debt. The responses were wonderful and I wanted to share them with all the readers. I have categorized the reasons...
Not much can kill your debt reduction momentum like a $500 dollar expense that you haven’t planned for. Without some savings set aside we often are forced to go into debt to pay of the bill and that destroys the plan...
This post is in response to Free From Broke’s tipping point contest. For those that don’t know a The Tipping Point is a book and term coined by Malcom Gladwell in 2002. It refers to “the level at which the momentum...
Tom : I just paid off a nice chunk of my debt. Mark : Really. Tom : Yep, we paid off one of our credit cards! Mark : That’s great, how did you find the money? Tom : I used a...
The thing about debt is that our financial systems are setup to make it as easy as possible to spend money you don’t have. Your mailbox is littered with credit applications, and if you sign up at a store they give...
“Symptom – A characteristic sign or indication of the existence of something else” Source Picture yourself driving down a familiar street. Out of the corner of your eye you see a huge nail in the road. You swerve, but only enough...
First things first, making bi-monthly payments on your mortgage WILL cut your mortgage repayment time down significantly. Using bi-monthly payments on a $200,000 mortgage at 6.0% you will have the mortgage paid off 6 years early and save about $50,000 in...
