23 Feb 2017

If you are currently going through a financial crisis, saving money is probably at the forefront of your mind. After all, we all know that every little bit helps, especially when you are attempting to work your way out of a tough financial situation.

When finding places to trim the budget, most people are quick to blame—and cut—the little splurges and treats they may be indulging in. While this is definitely a good first step, it doesn’t have to stop there. There are actually a number of ways to save money that require very little to no sacrifice whatsoever. For instance, setting your thermostat a (more…)

01 Feb 2017

The new year is a time to start over with a blank slate. It’s an ideal
time to rid yourself of negativity and give yourself a fresh new outlook on life.

Unfortunately, this can be difficult to do with debt hanging over your head. In fact, waking up to find yourself in deep—and ever increasing—debt can make it hard to focus on much of anything.

Fortunately, there is a way out of debt, even when it is deep and seemingly endless. Although it will likely be a journey, there are plenty of others who have traveled the same road to help you out along the way. Best of all, the freedom from debt found at the end of the road is well worth all of your hard work.

The first step on your journey to debt-free living is to ditch the credit cards. Don’t toss them out entirely until they are paid off, but do freeze them in a large block of ice, hand them over to a trustworthy family member to keep out of your reach, or hide them from yourself in a place that is very inconvenient to get to. This will keep you from using them without a lot of thought first. (more…)