debt-free

How to Live Without Credit Cards

How to Live Without Credit Cards

Wondering how to live without credit cards? It’s totally possible. And you’ll feel so much better knowing things are paid for. Once upon a time I thought it was impossible to live without credit cards. Even if I had the funds “to pay it off every month,” it was the convenience I couldn’t live without….

How We Said NO to Debt and Credit

How We Said NO to Debt and Credit

I’m unabashedly pro-cash. I’ve partnered with sponsor My Job Chart to tell my story about credit cards and debt: It’s been six years since we stopped using credit cards. I don’t miss it at all. I really don’t miss paying a big bill at the end of the month. I really, really don’t miss worrying…

Getting Your Financial House in Order

Getting Your Financial House in Order

Last week we shared financial goals for the new year. It was so great to read what everyone is hoping and dreaming and working toward this year. Yeah! At the base of these financial goals, whether they be to pay off the last credit card or to head out on a Disney vacation, is to…

Paying Off Debt When You’re Self-Employed

Paying Off Debt When You’re Self-Employed

Being self-employed can have lots of benefits. You set your own hours. You determine when you go on vacation. You’re your own boss. But, with entrepreneurship come some financial challenges that are different than those experienced by people who work for an employer. One of them is an erratic paycheck. If you find yourself trying…

8 Ways to Get Out of Debt

8 Ways to Get Out of Debt

Almost two years ago, we paid off our last bit of consumer debt: car, truck, credit cards. It’s amazing to me how different our life is today than it was when we first started tackling our debtor’s ways back in 2007. Life is much more calm and peaceful. It took us a year and a…

Sick of Debt? Better Late than Never

Sick of Debt? Better Late than Never

Yesterday, I was listening to a favorite money radio program and all the old emotions of our debt-filled life came back to me. It was a rather surreal moment. Today, three years and $18,000 of debt payments later, I am amazed at how good God has been to us. We were always “frugal,” yet somehow we found ourselves living beyond our means. We can kick ourselves for having got there in the first place. But as you’ll see in today’s guest post, better late than never.