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Category Archives: Beating Debt
I’m Working On My Debit Score
I have a motto: “Say NO to FICO, I’m working on my DEBIT SCORE”. FICO is the company that collects consumer credit data. They are in the business to sell this information to companies and offer to sell it to you with your “Credit … Continue reading
Why 0% Interest Isn’t Free Money
No Interest Loans Still Cost You Plenty It seems like every day I hear someone talking about how they got a great deal on something because they got 0% financing. 0% means it’s free money, right? Well, it sounds like … Continue reading
What are you Willing to Sacrifice to be Debt Free?
Join the forum discussion on this post I was thinking a little about the process of eliminating your debt, and I know the speed at which you become debt free is directly related to your intensity. Basically, that means you … Continue reading
Higher Education Doesn’t Mean Higher Income
A College Degree Won’t Guarantee Financial Success There are a lot of people these days heading back to school to get a higher education. I’ve talked to quite a few of them who are pursuing a college degree in an … Continue reading
How We Get Into Debt, and How to Get Out of Debt
The other day I had the privilege of appearing as a guest on the Intelligent Investing with Pamela Otten radio show. During the show Pam asked my opinion about the ways people get into debt. She also asked me to … Continue reading
No Credit Cards for June – Almost Done!
We’re almost done with June and our No Credit Card Challenge! Have you made it so far this month without using your credit card? We hope so. Keep up the motivation and hard work. By the end of this challenge, … Continue reading
Using Debt as a Tool… or Playing with Fire?
Using Debt as a Tool is Like Playing with Fire. When we lived in Oklahoma, our neighbors’ house had a fire and nearly burned to the ground. The cause of the fire wasn’t faulty wiring or anything mechanical. Our neighbors’ … Continue reading
Best Side Gigs to Earn Quick Cash
Join the forum discussion on this post I was asked today what the best side job is to earn some quick cash. Sometimes this is necessary to pay off debts, to keep current on your bills, or just for some … Continue reading
No Credit Cards for the Month of June!
Join the forum discussion on this post Here at the Financial Excellence Headquarters, we’re announcing a war on the status quo of our lives. We’re challenging everyone we know to do something totally weird and not use a credit card … Continue reading





