Follow Me Out of Debt | Get out of debt and get into prosperity!

It may not seem like it would be a big deal, but getting organized really does have a profound effect on our personal finances. If you haven't yet listened to episode 273 on the topic of minimalism, the concept of getting organized goes hand in hand with this process. As we begin to shrink things down in our lives and take things down to the lowest common denominator, we naturally bend towards get...

We're picking back up with the habit of practicing minimalism, and it has been great. My wife and I started this a long time ago, but we didn't really stick with it the first time around and ended up getting off track. I think part of the reason was because we were trying to do too much at the same time and weren't as focused as we should have been. This time, we decided to do things a bit differe...

While we may not be crumpling up twenty dollar bills and pitching them in the trash can, we're finding other ways to throw away our hard-earned cash. Unfortunately, many of these ways that we throw away our money almost go unnoticed. We most likely don't even realize that we're doing it, and that's a dangerous thing.   I'll go into more detail throughout this episode, but in summary, here are the...

Sometimes it's good to look back and reflect on some of the lessons that you've learned along the way, and that's what I'm doing today. Just like you, I've made plenty of mistakes in life. I don't think that's necessarily a bad thing; I truly believe that mistakes are there to teach us lessons. We become better people, and it's in part because of some of the mistakes that we've made and learned fr...

It's time to blow a hole through what you owe! I have a way of picturing things in my head sometimes, and recently I was picturing taking action to extend our arsenal available to us in order to blow a hole through what we owe. When we blow enough holes into what we owe, the entire debt structure will fall; our enemy will finally be defeated!   I love that visualization, and what's great about thi...

When it comes to money and personal finances, will you use or be used? Whether we realize it or not, if we're in debt, we are in a constant state of being used. Every time we swipe that credit card or sign on the dotted line of the loan form, we are allowing ourselves to be used by the associated financial institutions. We're voluntarily entering into an agreement to force ourselves to make paymen...

We all have let-downs in life, and here is what you need to do in order to get through them and come out on top. First, you will need to absorb the hits that all of us will inevitably experience in life. If you have ever taken the time to study a boxing match, you'll notice that many times a fighter will move with the hit from the opponent. This essentially helps the fighter to be able to absorb t...

Dealing with money stress in marriage just became a whole lot easier. The best news that you'll hear today is that you do not need an advanced degree in personal finance in order to succeed with this. Each and every one of us has the same opportunity to accomplish this task, and if you're married, the two of you working together will only increase those odds in your favor.   Of course, it's not al...

It's official! The first debt has been paid in full, and we're celebrating! It has taken some time, but we're happy to report that the entire balance on this particular credit card has been paid in full.   We were motivated. We had a no interest/deferred interest credit card offer that we used last year. This month would have been the deadline to pay the balance in full before the deferred interes...

I don't personally believe in New Year's resolutions, but that's mostly because I believe that we have the ability to implement positive changes at any time of the year. With that said, my break that I took in the month of December was mostly due to needing to implement some much-needed changes with this show. The biggest and most notable change is going to be the extended episodes. Short and swee...

Money is a tool; it has no power over you. The power that seems to be associated with money is based upon emotional connections with money. Some folks love money. They truly put money over and above almost everyone and everything else. Some folks fear money (or a lack of money). They live in a constant state of fear of not having enough financial resources, or they fear a sudden loss of money, usu...

It's easy to fall into the trap of constantly desiring to be entertained by your smartphone rather than setting aside time to read intentionally. With the plethora of apps and games that are out there to distract us from learning, it's no wonder that we spend a vast majority of our time on our smartphones rather than keeping our noses buried in books.   The unfortunate thing is that many folks don...

Most of the habits that we have, whether they are good habits or bad habits, hit us in one of these three major categories: peace of mind, health, and financial security. We are where we are based on the habits that we've established. We need to replace any bad habits with good habits in order to improve our peace of mind, our health, and our financial security.   Any habit tends to form between 3...

It's one of those you-don't-judge-a-book-by-its-cover moments. I found out some amazing details on the life of someone who appears on the surface to be your standard groundskeeper.   What was completely unexpected was that this gentleman was not only the groundskeeper, but he was also the owner of the properties that he was maintaining. He was truly doing what he loved to do and was earning an inc...

It's always beneficial to take some time to be thankful and reflect on our blessings. If you're in the process of getting out of debt or working on any other goals, realize that being inline with God's Word is power in of itself. God will provide and will take care of us, so keep that in mind no matter how difficult the journey may become.   Even if you're not a Christian, take some time to reflec...

You can accomplish greater and greater goals and increase your own level of self-confidence by simply keeping the momentum going once you have completed a difficult task. What I'm talking about is that feeling that you get when you feel the pressure to succeed and then gather the inner strength needed to accomplish the goal that you had set out for yourself. When this occurs, the last thing that y...

We already know that debt crushes our finances, but it also crushes our spirit and motivation. This is especially true when we're buried under a mountain of debt and can no longer afford the minimum payments. Even the most spirited person will feel defeated every once in a while if the debt mountain is enormous enough.   We need to do what we can to get out of debt (or get it under control) so tha...

It's advice that you hear in various forums: pay yourself first. But when is this an appropriate strategy? What if you're just making ends meet, living paycheck to paycheck? How would you go about saving up some money by paying yourself first?   First of all, this is a decision that you have to make for yourself based on your particular circumstances. If you are barely able to get through a month...

I'd like to let you in on a little background about how I started out, where I came from, and why I'm so completely focused on this journey to get out of debt and get into prosperity.   I'm not a guru. I'm just like you. I have made mistakes, and I'm wanting to better my life by putting together plans to complete certain goals. Many of those goals center around getting out of debt. I see this as b...

This mini-episode is an extension of episode 253. On that episode, I mentioned that I had presented an offer on my personal Facebook page for my friends to be able to get their computers repaired for just $25 bucks. I was only taking the first 25 people who responded, and the number of people who had expressed interest truly surprised me.   I started thinking that my audience would likely love the...

Did you know that 85% of wealthy folks read two or more self-improvement, career-related, or education-related books every month? This is an interesting statistic and one that we should be paying attention to if our eventual goal is to grow rich.   You don't necessarily need to read two books every month right off of the bat, but I would highly recommend setting a goal to read at least one book pe...

It's that time of the year again! Yes, Christmas is right around the corner. We're being bombarded with advertisements, which in reality probably started a couple of months ago. Stores know that we're gearing up to spend some of our hard-earned money, and they will aggressively try to capture our attention so that we're walking right in through their doors.   Did you know that this time of the yea...

What if the starter emergency fund runs out? What do you do if you're hit with another emergency? Sometimes you're hit with a double-whammy (or maybe even a triple-whammy), and when this happens, what do you do?   Well, you do have the option of using a credit card. If you decide to go this route, you'll want to have a plan in place to pay that amount back and get it back off of the credit card as...

I was provided with a different perspective by one of my valued listeners about working for Rev.com, and I wanted to share that with you today. I have a feeling that the listener of the show who had e-mailed me is not the only one who has been frustrated with Rev.com, and in all fairness, I think that it's appropriate to discuss those frustrations on this show.   I have touted the benefits of work...

When it comes to money, you don't want to hide things from your spouse. The two of you should be on the same team and on the same page, and the quickest way to destroy that unity is to hide things from your spouse.   Perhaps you want to avoid a money fight. Perhaps you want to protect your spouse from what you feel might be unnecessary worry. While that's a good reason on the surface, it's not goi...