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Life and Money Goals to Get Out of my Own Debt Crunch

Pay Day and End of Week Two – Starting over is tough. Found a small child care center with openings for the boys and they start on Tuesday with the start of school – having to pay a week in advance… I paid my neice for watching the boys this week and then on my [...]

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Pay Day and End of Week Two – Starting over is tough. Found a small child care center with openings for the boys and they start on Tuesday with the start of school – having to pay a week in advance… I paid my neice for watching the boys this week and then on my [...]

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Debt – The Crux of the Matter

By debtcrun
Debt collectors rise to the occasion – I received a call yesterday from a less than friendly debt collector that instantly characterized me as a “professional debtor” and someone that “positions myself” to not only get myself out of my responsibilities but look to sue others. This telephone conversation went downhill fast!
First of all, [...]

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Money, Cars and Loans – Learning How to Pay Cash for Cars

By debtcrun
Trent at The Simple Dollar offers up a new post on how to transition from staying in debt with car loans to paying cash for your next car.  His post is straight forward and easy put into practice once we understand it works -
I’m learning that a great deal of our money issues and [...]

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Get a credit card to establish credit – What were we thinking?

By debtcrun
Debt Crunch Going into debt to establish credit – what are we teaching our children? I know. I know. I’m just as guilty as the next guy. I listened to a twenty something during a break at a work training – she was explaining how to needed a co-signer for her car loan even [...]

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Debt Free Living – Turn Your Focus from THINGS to People

By debtcrun
Breaking Free From Debt – Debt-free living is such a key area of our lives that needs to be changed in America. The focus needs to be taken off of THINGS and put on PEOPLE … the time we spend shopping for stuff to fill our closets and cabinets could be and should be, [...]

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Money Goals – Reach Your Goals with a Strong Vision

Money – I’ve often heard coaches teach of using visuals to keep their clients focused. You know, like pictures on your fridge, near your computer that inspire you to stay focused on your goals like losing weight or keeping your home clutter free but why not a vision board for your financial goals.
Somehow this escaped [...]

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Money and Boundaries – Found Money and Loans

Found Money – Lack of Boundaries Maybe it’s not a lack of boundaries but I know I had to make it clear that my extra money isn’t for others to use as a cushion.
Okay – I earned some extra money which has really lightened my emotional load this month. I haven’t received the check yet [...]

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Home Budget – A Spending Ratio for a More Balanced Life – Personal Finance

By debtcrun
On Money Monk’s December 2006 post – Why I Save Money I learned about a spending ratio that will lead us to a more balanced life financially.
50% Must-Haves
20% Savings
30% Wants
This spending ratio is apparently brought forth in Elizabeth Warren and Amelia Warren Tyagi’s book All Your Worth: The Ultimate Lifetime Money Plan. Now [...]

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Debt Crunch – Some People Just Get It, Others are like me…

Another Dave Ramsey show – driving on I-95 in Maine for a couple hours today, I got to listen to Dave’s show for a bigger chunk of time than I usually do so I’m feeling pretty grounded – centered when it comes to thinking more clearly about money. It’s the clarity that amazes me – [...]

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