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This is probably super boring for most of you but if you are reading this you must have some interest, no pun intended (OK maybe), in understanding how the interest you are being charged is calculated.  When we started paying down our debt it was important for me to understand the effect of our interest …

One of the critical mindsets that one develops when making strides in their personal finances is the ability to draw the line and not go past it.  This ability to just say no is where your written plan/budget becomes real and is reflected by your personal behavior.  When you draw the line and stick to …

Americans now have the highest amount of revolving credit card debt in US history.  This is horrible news for our present and future.  While consumer spending helps keep the economy moving this amount of credit card debt takes a toll on each person who is stuck in its grips.  Credit card debt has a high …

When paying off a ton a debt aggressively you need to maximize your savings as much as possible.  In fact, I’d say, whatever your goal is that you need to maximize your savings so that you can let time take care of the rest.  The best way to maximize your savings is to automate it …

Time is one of your most valuable resources when it comes to your finances but it can easily work against you.  If you are going to be successful with turning around your financial life then you need to let time work for you and not against you. HOW IT WORKS AGAINST YOU  If you are …