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It's Time To Defeat That Debt

I’ve been in and outta debt so many times, I’ve lost count. At one point, my husband James and I had a first mortgage, second mortgage, credit cards loans, a hospital loan (you might not even know those exist) AND two car payments.

It was a mountain to climb. Especially when James got a huge pay cut (20%). But we made it to the other side and now we are only paying off our mortgage (only one now). The articles below are the creative ways we paid off our debt and lived to tell about it. 

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How To Afford Travel Even When You’re In Debt

How To Afford Travel Even When You’re In Debt

Have you looked at your budget and can't find the money for travel expenses? You may be looking at your budget now and feel like all your money is going toward paying bills. Sure paying your mortgage, student loans, car loans, and credit cards are all necessary...

4 Sneaky Mistakes To Avoid When Trying To Get Out Of Debt

4 Sneaky Mistakes To Avoid When Trying To Get Out Of Debt

Paying off debt can be an incredible life changer. No more worry about having enough money at the end of the month. ​No more frustrating bills coming in the mail showing how much money you're spending on interest, and wasting, because you used someone else’s money....

The Truth About Debt Reduction Services

The Truth About Debt Reduction Services

There is no such thing as a quick fix when it comes to paying off your debt including debt reduction services. However, debt reduction services can feel like a dream come true during tough times. Kind of like a Fairy Godmother that can wave her wand and make our...

How To Raise Your Credit Score

How To Raise Your Credit Score

Raising your credit score rating is a lot like losing weight. It’s not something that can happen overnight, and there is no such thing as a quick fix. Your credit score is determined by your past behavior and not just what you are doing presently to address it. So it...

How Debt Affects Your Credit Score

How Debt Affects Your Credit Score

Many factors play a big role in your credit score including your debt ratio. When it comes to your finances, your debt ratio can ruin even the best financial situation. It can ruin even more than that. Your debt ratio will not just affect your ability to spend, but it...

Tips To Pay Off Debt Even When You're Broke

Tips To Pay Off Debt Even When You're Broke

How to pay off debt with no money. Getting out of debt isn’t easy, and it can be even more difficult if you find yourself without much money to spare. Even if you are living on an extremely tight budget, you can still pay off your debt. Because, truthfully, no matter...

How Giving More Can Help You Get Out Of Debt Quicker

How Giving More Can Help You Get Out Of Debt Quicker

Being in debt can make it feel like you are pushing along without the means to help others or giving to the poor. And it becomes even more apparent when the holidays come around because that's when it feels like every organization and person you meet is looking for...

How To Pay Off Your Debt Faster

How To Pay Off Your Debt Faster

Do you feel like you’re drowning in debt? Do you dread going to the mail or picking up the phone because you know it’s a bill that needs to be paid? You are not alone! The average household debt is around $15,000. That’s 4,110 Grande Cafe Lattes from Starbucks or 1,665 tickets to the movies! Sounds like a lot when you put it that way huh?

How The Debt Snowball Method Works

How The Debt Snowball Method Works

You can easily payoff debt with this easy method called the Snowball Method. Imagine a tiny snowball in your hand. Now imagine that same snowball rolling down a big hill going at high speed. While that little snowball used to fit in the palm of your hand, now it’s...

How To Live On One Income AND Pay Off Debt

How To Live On One Income AND Pay Off Debt

If you are living on one income, you might think you’ll never get out of debt. For years I wasted time plugging along and paying our minimum debt payments thinking it was an impossible dream to get it paid off. Now I'm here to tell you that it is very possible to pay off debt even while only one person is earning a full-time income.

Are Balance Transfers A Good Way To Pay Off Debt?

Are Balance Transfers A Good Way To Pay Off Debt?

If you have credit card debt then you know that over time it just seems to get more expensive. Plus you could be paying a ton of extra interest if you have your credit card debt spread across multiple cards. Whether you’re looking to put all of your debt in one place,...

How To Pay Off Debt When Living Paycheck To Paycheck

How To Pay Off Debt When Living Paycheck To Paycheck

If you are living paycheck to paycheck, it can be stressful just to make it to your next payday. If you are struggling to make end’s meet and pay the bills, then it feels like you’ll never be able to afford to add debt payments into the mix. Adding debt to…

Tips To Help You Graduate Debt Free

Tips To Help You Graduate Debt Free

Graduating college can be very stressful when you have a load of student loan debt that you need to pay off. As a college student, you dream of the day when you can be within the career that you have worked hard towards obtaining. Instead of spending your desired...

How To Pay Your Bills When You Have No Income

How To Pay Your Bills When You Have No Income

{This post is sponsored by Diamond Bloggers, the story and opinion is 100% my own.} Have you experienced a time when you had no income coming in, and no savings to fall back on, yet you still have bills to pay? The problem is that when you have no income, you can't...

Are Debt Reduction Services A Good Solution To Pay Off Debt?

Are Debt Reduction Services A Good Solution To Pay Off Debt?

{This post is sponsored by Diamond Bloggers, the story and opinion is 100% my own.} When James and I first got married in 1998, he was working as a manager at McDonald's and I had just graduated from college with my accounting degree and I was looking for an...

Surprising Facts You Need to Know About Your Credit Report

Surprising Facts You Need to Know About Your Credit Report

The credit report. Just hearing those two little words is enough send some consumers into a state of elevated anxiety. What's worse - it's an involuntary reaction, it just happens! Even the best consumer out there with a perfect credit score will...

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WELCOME TO TRUE MONEY SAVER
On this website you'll find practical ways to maximize your money while still living life to the fullest. Because I believe everyone has the power to live a life of abundance regardless of their income level.
 

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