Archive | Debt

The Donut Test: What over-indulgence does to your satisfaction

The Donut Test: What over-indulgence does to your satisfaction

This may seem silly but it’s true – donuts are a great way to test the law of diminishing returns. As a brief refresher from your school days, the law of diminishing returns states that at some point, each additional “unit” yields lower returns. In other words, you get less out of it than you put into it.

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Graduate from college debt free, I did and so can you

Graduate from college debt free, I did and so can you

My wife and I were fortunate to graduate with four year degrees without a penny in debt. Since I firmly believe that you can also graduate debt free, I want to share some suggestions based on what we did.

Posted in Debt, CareersComments (7)

Timebox your way to better financial health

Timebox your way to better financial health

Timeboxing is a concept normally used in project management, especially software development. This post is about breaking down a large task into smaller tasks and giving each one a due date.

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Why do I have to wait until I’m in trouble to clean up my finances?

Why do I have to wait until I’m in trouble to clean up my finances?

So why do we as individuals and even huge governments let things get so far out of control before we make corrections? Why don’t we guard ourselves against deviating from our course?

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4 Reasons not to use debt to make an investment

4 Reasons not to use debt to make an investment

An outline of four reasons why you shouldn’t use debt to make investments. And two reasons why some people do.

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Freedom Week: Financial Emancipation Proclamation

Freedom Week: Financial Emancipation Proclamation

Today’s post, adapted from President Lincoln’s famous proclamation, is the Financial Emancipation Proclamation.

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Freedom Week: Financial Bill of Rights

Freedom Week: Financial Bill of Rights

To celebrate the birth of our nation and the freedoms that we are afforded, I am writing three posts this week with a twist. Each post is based on an influential document which has given us rights.

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Freedom Week: Financial Declaration of Independence

Freedom Week: Financial Declaration of Independence

I decided to alter the beginning of the Declaration of Independence to create a Financial Declaration of Independence.

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The Trouble with Identifying Debt Relief Scams

The Trouble with Identifying Debt Relief Scams

Any American who pays even the slightest bit of attention to television commercials or newspaper advertisements has likely seen his or her share of debt relief offers that seem to good to be true.

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How To: Get out of debt using the Snowball Method

How To: Get out of debt using the Snowball Method

Credit card debt is wrecking people’s lives as we speak. The lure of the “easy money” ruins a lot of families because credit card holders are too weak to refrain from buying yet another thing they really don’t need.

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How To: Manage your debts without using Debt Management Programs [guest post]

How To: Manage your debts without using Debt Management Programs [guest post]

Louise Tillotson writes for a number of websites, including moneysupermarket.com, on debt management, household budgets, savings and other personal finance topics.

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Dear Dave Ramsey, I sold my car, but the golf clubs stay

Dear Dave Ramsey, I sold my car, but the golf clubs stay

I wrote a mock letter to Dave Ramsey several months ago lamenting the need to sell my car. Well, the deed is done. My baby is gone. And here’s why I’m better for it.

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