Articles on Debt Management

Self-sufficiency, self-reliance, and freedom

Self-sufficiency is producing the actual stuff you use--your own food, your own clothes, etc. It's not a common lifestyle. Most people chose instead to follow the path of self-re

What if foreigners quit lending the US so much money?

One of the bugaboos of the financial doom-and-gloom crowd is the worry that foreigners (China in particular, but also oil exporting countries in the Middle-East, and others) might

The Bailbondsman Approach: Why Some Of Us Stay Broke

The government is letting people think that it's okay to make bad choices. The Treasury is rewarding bad behavior and the consumer is learning nothing except to keep up the

Dealing with Nasty Debt Collectors

You may (or may not) be delinquent with a debt payment, but debt collectors don’t have carte blanche with regards to how they can hustle the money from you. Some can be rude, make

What's the Best Way to Get out of Debt?

Debt is the hottest topic on personal finance blogs around the world. Why? I would venture to guess it is because so many people are drowning in it

Retirement on the installment plan

Among the fraction of the population who manage to put money aside, many view their investments through the lens of retirement.  They've got a number in mind--call it $X--enoug

Credit Counseling: When you Need it and When you Don't

So you are up to your eyeballs. Drowning in debt, expenses, and struggling to keep your head above water. You have been reduced to the life of a monk and are still making no headwa

Debt Discovery: The Ties That Binder

It's amazing how many of us are business people -- dealing with budgets, liabilities, profit, revenue and loss -- who make questionable decisions with our own finances. What

Tips for Increasing Your Financial Literacy

A recent CNN article titled "Americans are 'financially illiterate'"

Join America Saves Week February 24 to March 2nd

This week is officially America Saves Week 2008. This is a campaign started in 2007 by many government agencies and private entities to encourage Americans to save because the per

UK banks are blocking customers' credit cards. Will the USA be next?

It was bound to happen. I just thought it would happen over here first. Today

Can you talk to your friends about debt?

Can you talk to your friends about your debt? Can you talk to your friends about their debt?

These Choos were made for walkin': an interview with a modern urban nomad

Ever feel stuck? In a rut? Running in place, but not getting much exercise? There's another way to live, you know; a way that bypasses, or at least delays, the mortgage, the co

Good Debt, Bad Debt

Whether debt is good or bad depends on how you spend the money. From best to worst, here are the four categories of debt that one writer uses.

A Guaranteed Way To Avoid Impulse Credit Card Purchases

This tip is so easy and simple you'll wonder why you didn't think of it already. All you need is a plastic bag and some water, and your impulse credit card purchases will be a thin

How to Deal With Collection Agencies

Turn the collections process to your advantage by following these 9 suggestions.

Is Paypal making impulse buyers of us all?

Over the past few months I’ve noticed that more and more places accept Paypal and I began to wonder…is this going to create a generation of impulse buyers?

How To Choose A Financial Planner - Yes You!

I don't care who you are. (Well, actually I do, otherwise I wouldn't be writing this). What I mean, is I don't care about your background, education, financial prowess, or absolu

Debt repayment is not an expense

Over and over again, in budgeting articles and even books on personal finance, I see sample budgets that include debt repayment as if it were an expense. This shows a fundamental

6 Steps to Eliminating Your Debt Painlessly

Eliminating Debt Painlessly. Rarely do you see these words fit together in a neat little sentence. The very act of putting your hard earned money towards the stack of debts you've