If you are overwhelmed with debt and wondering how you got there, it more than likely is due to  the lack of financial planning beforehand. By having a financial plan not only guides you to manage money and avoid debt, it can lead to the road to wealth. Who wouldn’t want to be at a stage where they don’t have to worry about money.

With the way the economy is now, financial planning is even more important than before. That means having money saved for the future and any unexpected events like a job loss or illness.  Many believe they don’t have Read more »

It was 2 years ago that I was over my head in debt. That’s when I started this blog in my quest to get rid of  debt. Initially, I wasn’t off to a good start because the approach I first tried failed. That changed when months later I took a different direction.

Basically what I was trying to achieve is a blog where I could brainstorm and post what I was doing to reduce my debt that would also be helpful for others to reduce and get rid of debt too. I started by accepting donations on the site but that aspect didn’t work out and was scrapped because most of the people who were visiting my site were also in the same boat so hardly in a position to help anyone else out. And really when you think about it, no one should expect anyone else to bail them out and just take action in getting rid of their debt.  The reality is there is no overnight solution and it’s going to take time to eliminate it. Read more »

If you are searching for ways to make money to get out of debt, why not try blogging. A blog is the easiest type of site to set up as you don’t need technical skills.  There are many making money from blogging and you could be too.

 Blogging is what I have been doing to pay debt and to achieve my goal of financial freedom. Therefore I know that it can be done with some effort. For me, the best part of  making money online is the freedom to work at my own schedule and pace, not having to answer to a demanding boss nor getting stuck in rush hour traffic to get to work  on time — because I operate from the comfort of my home and answer to no one other than myself.  Read more »

Dealing with debt is no fun at all when you are desperately trying to keep up to all the bills. Wouldn’t it be a big relief if it could just disappear and you can be debt-free once and for all? The only problem is once it has accumulated to a point where you are drowning in it, there isn’t an easy  solution to get rid of it. Debt has a tendency to have a snowball effect and you can end up with more than you can afford and handle. And without enough money to pay it out, your next best option is to get the debt under control. Read more »