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

We all make mistakes. Here are some of the mistakes that I have made in the past, and I'm hoping that by hearing my account of previous errors, you'll learn a thing or two about what not to do. I'm also hoping that you'll realize that even if you have made mistakes in the past, it's never too late to start over and do things the right way.   Keep in mind that it's also common for many of us to sta...

What is something that you do well that others might pay you for to do for them? It's a serious question that, if answered correctly, could result in increased revenue that you can use to get out of debt that much faster.   We all know that getting out of debt is a process, and the more weapons that we have to use towards destroying our debt, the better. Decreasing expenses is usually a good first...

It's incredibly important to stay positive even while we're in the negative. Let me tell you how to do just that.   Sometimes it's about attitude, but more often, it's about action. Many of us are starting our journey to get out of debt and get into prosperity from a negative net worth. The situations that we find ourselves in sometimes can be just downright scary, but the good news is that we hav...

Beware of this new scam that may be hitting your mailbox soon (if it hasn't already). This scam targets folks who are getting desperate or folks who want to get on the fast track to reducing debt expenses in the form of reducing the interest rates on credit cards.   While this is definitely a scam, the notice being mailed out to folks does appear to make it seem official. Included in this notice i...

Close friends, relatives, and even some not-so-close individuals may offer us their opinions, and sometimes those opinions may come to us in the form of ridicule. It could be because the individual is envious, or they may not completely understand why you are doing what you are doing. Whatever the reason might be, the important thing is to not let this stop you from moving ahead with your goals.  ...

It's time for a quick anatomy lesson. This lesson will be much different from what you might have been used to in high school or college courses. This particular lesson is focusing on the anatomy of a credit card.   What makes us desire to open a credit card to begin with? What draws us to trying and applying for credit cards, paying interest on the money that we borrow, and end up thanking the cr...

As a personal trainer, wife, and mother, Amberly Lago was living the California dream until it turned into a nightmare in May 2010. As she rode her Harley down Ventura Boulevard on that breezy, sunny day, Lago was hit by an SUV, throwing her thirty feet down a busy street and shattering her right leg.   After months in the hospital and thirty-four surgeries later, Amberly's leg and severed femoral...

What do you do once you and your spouse have finally come together and are on the same page? You may not be there quite yet, but eventually, you will be. It's important to know the next steps that you'll need to take in order to move forward as one towards accomplishing your goals.   While many folks may have many different ways of working together as a team, the most important thing to do is to r...

Let's take a moment to reflect back on the year and see what we've accomplished and what we need to do in order to keep moving forward.   It's important to end the year by celebrating some wins, coming up with different strategies for the losses, and making sure that we start the new year on the right foot overall. Forward momentum heading into a new year is always a good thing.   I do want to mak...

It's about time for us to have a conversation. Let's get on the same page and close out 2018 with community and get on track to a prosperous and successful 2019!   If you haven't already done so, please join in on the conversation at https://facebook.com/followmeoutofdebt. God bless!

There is a specific moment in our lives that we can pinpoint when we've finally had enough. This is the moment that I like to refer to as the turning point. It's a point when we actually feel ourselves doing something so dramatic that we almost don't recognize the person looking back at us in the mirror!   When the spark of change comes, it's important for us to identify this opportunity. We all h...

Why is determination so important when we're trying to get out of debt (or trying to accomplish any other goal)? One reason is because determination in of itself is a natural motivator that keeps us going. This is incredibly important when it comes to accomplishing our goals.   Often times when we realize that there's a problem, this will cause the brain to go into problem-solving mode. We try to...

You don't want to cut up those credit cards just yet, even if you are getting out of debt. The primary reason is because of the hit your credit score might take. You'll want to at least take this into consideration because a healthy credit score is still important.   Of course, if you're someone who may go back to bad habits once you have paid down or paid off your credit cards by charging more an...

What do you do when the going gets good? If it's not going good for you just yet, trust me, it will. When it does, you'll want to be well-prepared for this exciting time in order to make the most of it.   Of course, we've all heard the saying about when the going gets tough, right? Well, here's the thing... we can look at things from the perspective of life being tough or we can look at things fro...

Today I'm responding to two listener e-mails. Did I mention how much I love our community?

To-do lists help us to stay on track and stay organized, and this is why I love them. I have used to-do lists for many years, but it wasn't until recently that I had realized that there is a much better way of utilizing to-do lists than simply checking off some items on a piece of paper.   What I had realized is that while I was jotting down every little thing that I wanted to accomplish, I was ac...

It's that time of the year! When it comes to shopping for Christmas, including Black Friday specials, do you typically find that you spend to the point where you have no idea what had happened that ended up wrecking your finances come January? Most of the time when this happens, it's usually because of poor planning. This year, we're going to change that.   There are many ways that we can enjoy th...

There are bargains to be had at the local thrift store. If you're wise about this, you could combine shopping for clothing and other items at the thrift store along with shopping at your local dollar store and limiting your grocery spending. This triple threat will equal more cash in your pocket and more financial resources to aim at paying off debt.   What we've learned about thrift store shoppin...

You have to speak truth when it comes to your current debt situation. We have to be real and speak the truth as far as why we are on this journey of getting out of debt. All of us will come across at least one or two road blocks and other challenges along the way that may set us back and derail our progress.   When this happens, it's incredibly important to make the decision that giving up is simp...

Using a cash envelope for grocery spending is a great way to control how much you're spending in this budget category in any given month. There's something about driving to the bank or the ATM to fill an envelope with a pre-determined amount of cash that physically and psychologically sets a limit as to how much we're going to spend at the grocery store.   There's no doubt that the grocery line it...

Have you tried shopping at Dollar Tree yet? If not, you may be spending a lot more money on many of the same items that you could be picking up at Dollar Tree for just a buck.   Whether that's holiday decorations, snacks, cleaning supplies, office supplies, back-to-school items, party supplies, or more - you won't be able to beat the price of $1.00 per item. The money savings alone makes this stor...

Does it seem like your budget is failing you sometimes? When it comes to budgeting, it can be easy for some and more difficult for others. There is a wide spectrum as far as that is concerned, and we've all likely experienced a month or two when the numbers don't calculate the way that we would like.   It's true. We've all been frustrated with our budgets at one time or another. What's important t...

Adopting these top ten frugal habits can save you up to $1,000.00 in any given month (sometimes more). Now, this list isn't in any particular order of importance. I believe that they are all equally important, and the more that you are able to implement on this list, the more money you will save.   The first habit has to do with your morning routine. If you find yourself stopping by your local Sta...

Today you'll learn how you can actually become a better saver while you are in the process of paying off debt. It's not as difficult as you may think, but with that said, it will still take some focus and a little determination on your part to get this thing off of the ground.   Most of the time, when many of us come across a month where we're short on financial resources, we'll reach for the cred...

A support system is incredibly important when you are in the process of getting out of debt. Getting out of debt is a lofty goal, and it's difficult to go at it alone. Having other like-minded folks on your side to have your back when times get tough or to celebrate the wins with you is paramount.   What's amazing is when you are not doing this alone and have a support system in place, you will ac...