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Paying off debt delivers instant peace of mind and long-term financial freedom. It reduces stress, improves credit scores, and increases disposable income. Freedom from monthly payments provides flexibility for unexpected expenses. In the long run, debt elimination fosters wealth accumulation. It allows money previously sucked by interest to be…
Becoming debt free is as much a matter of mentality, or your beliefs and attitudes, as it is about numbers and spreadsheets. Don’t believe me? Hear me out and then decide whether you agree with me. And whether you are ready to work to transform the ways in which…
You know that we just paid off all our consumer debt. We paid off all shamefully and inappropriately high amount of it n three years. Smooth sailing it was not and, looking back, how to become debt-free has three stages. Naturally, I published a post about it. I wanted…
You dream about debt freedom and the thing left to figure out is how to pay off debt. I get it. Dream, line and sinker. Living under a mountain of debt is stressful. For years Ostrich has been your favourite yoga pose. You have buried your head in Netflix shows,…
Are you a victim of debt stress? Do you wake up before sunrise covered in cold sweat and feeling the fear chomping at your gut? You see, when people talk about debt, they seldom discuss feelings. I paid off a considerable amount of debt and learned enough to write…
A couple of weeks ago, I told you that it is time to focus on money because succumbing to Covid is no longer very likely. Creating a debt inventory is the first step to taking a decisive step towards improving your money situation over the next year. You may…
You’ve just decided it’s time to deal with your debt and have set out to learn all there is to know about debt and what to do about it. You read blogs, you read top-notch websites and, if you are really into working things out, you may even be reading…
If you are feeling up to your neck in debt, then you know just how stressful trying to keep up with bills and payments can be. That financial stress, however, is not simply in your head. If it gets bad enough, it could start affecting your overall health in…
Editor’s note: This is a no-nonsense list of action to take when you have no money at all by Sara Williams: a fellow UK personal finance blogger and a passionate advocate for a fairer debt system..I hope you never find yourself in a situation so desperate that you need to…
Yesterday I read the story of a guy who took loads of pills and booze trying to kill himself because he had too much debt. He survived and was left with sore tum, a hurting head, and the embarrassment of failure. Embarrassment for which his parents were very, very…
We are debt-free today! And you are looking at an expensive bottle of Cabernet Sauvignon I brought back from Chile. It is empty. We drank it last Friday and it was outstanding wine. Even greater was the occasion – John and I had decided to share this bottle when…
Call me a snowflake. Call me an emotional woman. Tell me I don’t understand money because I would rather talk about money mentality (or these pesky feelings, beliefs and values) than primary school maths. Personal finance gurus tell us that our money destiny hangs in the balance between how…