I am constantly looking at fresh approaches to debt freedom, so when I recently came across the 30 day savings rule, I liked that it has a lot of common sense behind it.  Impulse purchases can quickly derail any debt reduction or debt elimination plan, but impulse purchases can be so tempting.  When you see…

Read More

Unsustainable debt.  Whole nations struggle with how to control it, but you can be debt free by following these six steps. Make a budget.  Check what your take home pay is.  List your monthly obligations.  For this exercise, don’t worry about whether your monthly obligations are over your take home pay, just get the expenses…

Read More

Fall can be a fun time of year, with costume parties, and clam bakes and Octoberfest celebrations.  But for people struggling with debt, fall means more stress as the holidays loom around the corner and that one snarky office person brags about having almost all her shopping done.  If your debt is not already under…

Read More

It’s easy to see how others sometimes create financial stress on our budget, but it is amazing how many of us are our own enemies when it comes to debt free financial wellness.  We make several small but positive financial moves.  Our debts are shrinking, or the savings account is growing, or we finally have…

Read More

Along with the spending moratorium I thought I would use the process to declutter.  While I had done an initial closet cleaning, it was pretty minimal.  I recently read something about a company called Thredup.  It is an online thrift store, that sends a kit to you after you choose whether you want the unlisted…

Read More

Debtreliefzones.comBuying Convenience can land you in debt.  A little planning can get you back out of debt.  See us at DebtReliefZones.com  #debtfree #relief

Read More

My success in the Spending Moratorium is less stellar than I wanted to report, but looking back over the last few months, I am so glad I cut my spending.  It meant I could afford the replacement of my external hard drive, when my ancient one crashed, as well as the replacement heater for the…

Read More

Summing up my progress on the Spending Moratorium: Part 1:  Inspired by a book, the realization dawned on me that I was a spendaholic, shopaholic but that I could decide to change.  In spite of a clear understanding of how to budget, I still needed to clean up my own budgeting approach. Part 2: I…

Read More