Back-to-school season often brings added financial stress, as many consider shopping for school supplies, clothing, athletic gear, and the latest gadgets. While parents and guardians bear the brunt of this stress, it’s not limited to them alone. The back-to-school shopping experience can be both exciting and overwhelming, especially when trying to score the best deals. …
Before we got married – out pastor then recommended that as part of financial counseling we were to go through the Financial Peace University (FPU) with Dave Ramsey. Something that became a household name and a timeless gift to us which was to change the way we viewed money and debt. Today I want to …
Debt Free Baby Steps with Dave Ramsey Re-visited Read More »
I have not written here the last one month and half and i am hoping to get back to my usual writing and establish a rhythm that i can keep in the long run. That being said, this year is a life changing one for our family – at least that’s what we’ve been told by …
If you owe student loans, back taxes or some other type of debts, you need to be aware that they cannot vanish into a debt settlement plan. Debt settlement is a process of negotiating with creditors to accept payment that is less than the full amount of the debt owed, typically between 20% and 75% of what …
This story was published on Wall Street Journal, earlier this year and i thought it would benefit readers here at kick debt off. With College graduations beginning this week, i hope that the graduands will learn something from this story and those still in college will be able to make some wise decisions as far as student …
I sat this weekend and watched a documentary that aired on CNN called I.O.U.S.A. that tells the story of the rapidly growing national debt and its consequences for the U.S. economy, the current, and future generations. It was a shock to realize the immense amount of debt that the US government is carrying. The projected …
The journey, race or walk to debt freedom and financial peace has a lot of obstacles and can be a very wearisome one. To strengthen the financial muscles for this journey to financial freedom there are three absolute FINANCIAL NEEDS that are both critical and dynamic. 1. Budget This is the tool that helps you …
I was looking over some debt statistics and i was surprised at what i found. Over 40% of US families spend more than they earn. Only 2% of homes in America are paid for. Nearly 1 in every 35 households in the United States will file for bankruptcy. 96%of all Americans will be financially dependent …
(Part -Two) On the previous post, we talked about how to avoid student and college debts, but also realize that it might not be possible for everyone to go through school and graduate without some form of debt obligation. This post is a part two series of student loans. If you have taken or are …
(Part – One) Investing in your education is vital for your survival, although there people who have made it in life without a formal education (we will talk about rich vs wealthy another day). Even without statistics, it is unmistakable that one of the things that drive people into the road of debt in the …
