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

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Doing a minimalist budget isn't the same as frugality. Being frugal is always helpful when it comes to saving money, but a minimalist budget is less about frugality and more about reducing the number of things that we're spending money on. It's more of an exercise in finding out what we truly value and discarding the rest.

Last week, I headed over to the credit union and wrote the check to officially pay off our second vehicle. Aside from the taste of freedom, there are also some great tips on what to do with the additional money that isn't going to a car payment every month.

Here are my top 5 tips on cheap living, and when you implement these tips, you will save money. I want you to feel comfortable about being cheap, because it's not really a bad thing, especially when it comes to personal finance.

The money that you are bringing in, either on your own or between you and your spouse, is meant to pay for certain expenses. When those expenses start to equal more than your available means, you have officially started to live above your means - the antithesis of where you want to be.

The Grocery Budget Makeover is hands down one of the most easy-to-follow, informational, motivational, and just downright simple programs out there to truly help you to save hundreds of dollars each month on grocery spending.

Getting paid what you're worth not only affects your current earnings but future earnings as well. Find out how to earn more, even if it's not through your current place of employment.

We're looking at a very good possibility of additional stimulus payments, but along with that, there's a level of unwarranted negativity towards folks who may be relying on this next stimulus for all of the right reasons.

This one's for all of the warriors out there, battling debt and taking names.

In this best-of series, we're revisiting the importance of weekly budget updates.

Life was never promised to be easy, but when things are hard, we get to choose our hard.

After a four-month hiatus, it's time to get back to business with new content and a new perspective!

We're talking about how to raise your credit score during a pandemic, and it's not as difficult as you may think.

It's human nature to settle in times of desperation. This applies to many different things, including our choice of vocation.    We are living in uncertain times, and both the economy and job markets don't hold the same sense of security for us as they did just several months ago. Folks are losing their jobs or are taking jobs that they are overqualified for because certain situations have made th...

It's time for a monthly check-in to discuss what I've been up to as it relates to getting out of debt and getting into prosperity.   I think that it's a good idea for us to touch base once a month to see where things are at on my personal journey to get out of debt and get into prosperity, and hopefully it inspires you to continue forging ahead with your goals as well. God bless.

Here's an alternative to paying down debt that might actually help you to pay things off even faster. I'd like to introduce you to something that I like to call The Savings Game. I would say that it's more of a strategy than a game, but it's more fun to refer to this as a game, right?   Ideally, you'll want to check with your bank or credit union to see if the savings account can be set up to not...

What do you plan to do with your stimulus check? This is going to vary based on individual situations, of course.   Some folks are now unemployed due to this pandemic or have a reduction in hours, and some folks are blessed to continue earning income as they were before.   With this in mind, the stimulus needs to immediately go towards living expenses for some. For others, it may not be necessary...

Will the new economy change the way that we work, shop, and define our wants versus our needs? I think so.   While working from home has become more prevalent, it's not a new idea. However, this among other changes are becoming more generally accepted, and I think that this may carry over past the current pandemic that we're facing to become a new norm.   We're also learning how to live with less....

It's time for a monthly check-in to discuss what I've been up to as it relates to getting out of debt and getting into prosperity.   I think that it's a good idea for us to touch base once a month to see where things are at on my personal journey to get out of debt and get into prosperity, and hopefully it inspires you to continue forging ahead with your goals as well. God bless.

This has been called an unprecedented event; a true pandemic that has shut down the majority of what we know to be normal. Businesses are closed or will close, churches are moving to video or audio broadcasts rather than a physical gathering, folks are no longer able to go to work, and kids can't go to school.   How does the uncertainty of this whole situation play into what we had already planned...

You've heard it before. Someone walks into an automobile dealership and proclaims that they are a cash buyer. When you hear about these folks, they seem to be these mysterious creatures who have defied the natural laws of purchasing vehicles.   The simple truth is, they're not mysterious, and paying cash for a vehicle is more common than you might think. With this being said, there's a proper way...

I've been thinking about notching things up a little and taking more drastic measures to accelerate debt payoff. One of the things that I've discovered is that it's very common for many folks who are making extra payments or increasing their monthly payments towards their debt focus to never ask if they're doing all that they can as fast as they can.   Let me explain. It's completely normal to fee...

One of the best ways to know how well we're doing is to have a metric in place. This apples to being able to tell how well we are doing with our goals of getting out of debt and getting into prosperity.   How much cash we have available to us, either in the form of a wad of cash in our wallet or purse or what's available for us to use on our debit card, is a good way for us to tell where we're at...

Have you ever wondered how you can start a successful business with little or no money? It's not easy, but it's also not as difficult as you might think.   Many folks believe that they need to invest their own money or borrow capital in order to start a business. This simply isn't always the case. Rather than starting a product-based business, instead you'll want to focus on starting a service-bas...

Planning is one thing, but action is a whole different beast. If you have yet to take that all-important first step, it's time to do that today. Don't wait until tomorrow; you won't see your goals met until you actually take the steps necessary to get out of the starting gate.   While paying off debt can be a little scary, the good news is that as you continue to reduce those balances, you will be...