How to Get to Zero Credit Card Debt with ReadyForZero.com

ReadyForZero Review

Creating a plan to get rid of your credit card debt is fairly simple. First, list out all of your debts and rank them according to one of three methods: highest interest rate (debt avalanche method), lowest total balance (debt snowball method), or most emotional. Then, start aggressively paying off debt #1, while making minimum […]

There Is No Spoon: Opting Out of the Consumerism Matrix

Matrix

It’s hard for me to believe, but it’s been 15 years since the film The Matrix blew everyone’s mind. In the decade and a half since the film was released, the special effects and stunts that gave the movie such an overwhelming visual appeal have become standard and even clichéd. But the idea behind the […]

3 Questions You Must Ask Yourself Before Dealing with Small Business Debt

Small Business Debt and Profit Margin

Opening (and maintaining) a small business is a pricey endeavor. Most entrepreneurs have to take on some debt in order to get their business started or keep it afloat. After all, overhead, equipment, and payroll all cost money, and borrowing might sometimes be the best option to pay for it all. Unfortunately, debt can also […]

How to Lighten Your Debt Load Immediately—Without Making a Single Payment

Lighten Your Debt Load

This article is from Kate Northrup, author of the new book, Money: A Love Story. Money is a deeply emotional topic. Not that many financial or investment advisors talk about it. Bankers don’t keep Kleenex on their desks like therapists do. But in my opinion, they should. The idea that we should separate emotion from our […]

Win an iPad Mini Courtesy of Pay Off Debt App

ipad mini

Editor’s Note: Happy Friday! Beginning today, PT Money is participating in a iPad Mini giveaway being offered by Jackie Beck, friend and creator of the Pay Off Debt App. Note the giveaway is different than my newsletter giveaway. This giveaway is aimed at bring awareness to an update to Jackie’s app, which I’m a big […]

What Happens to Your Debt When You Die?

What Happens to Debt When You Die?

True or false: You assume your spouse’s credit card debt after they die? FALSE! Many spouses are living in fear and worry that they will be saddled with the burden of additional debt when their loved one dies. Adult children are also finding themselves concerned about their parents’ finances as well. The good news is […]

Going Into Debt for In Vitro or Adoption: Is it Worth it?

Roses Adoption

Having children is a luxury a lot of women and couples experience on a daily basis. However, for others it’s a difficult struggle. There are many factors why couples might not be able to have the family they long for, but one of the biggest considerations is the financial aspect. Most moms-and dads-to-be won’t have […]

25 Insanely Easy Ways to Manage Your Money and Get Back on Top

Manage Your Money - Insanely Easy Ways

Ready to manage your money and get back on top? It’s taken me 3 years to consistently stay on top of my finances. It’s not a simple task for sure, but most of the time we make it harder than it really is. Once you implement a few simple tasks, you’ll be on track. Below are […]

5 Pills of Debt Advice from The Matrix

Debt Advice from The Matrix

This post is from friend and blogger Ben Edwards of Money Smart Life. Stopping bullets with your mind is no easy feat. It took Neo quite a while to hack the laws of a computer program called “The Matrix” in order to achieve that outcome. In fact, he failed and nearly died a time or […]

Dump Your Car Loan and Pay for Your Next Car with Cash

How to Save for a Car

Besides the mortgage, a car loan is often the next biggest thing on the list. And depending on the type of car you buy, you could spend anywhere from a few thousand to several hundred thousand dollars on a new car. Of course with that shiny new car often comes with a car loan and […]

6 Ways to Give Memorable Gifts Without Going Into Debt

Memorable Gifts

When you’re part of big family like I am, it’s hard not to come under peer pressure to spend a lot of money on gifts. As one of five kids — all who have families and kids of their own — buying gifts for every holiday and birthday get really expensive. And with the never-ending […]

10 Ways to Stay Fired-Up While Paying Down Debt

Leap List to Stay Fired Up to Pay Down Debt

At the beginning of the year, we’re all fired up about making New Year’s resolutions and changing our habits for the better. We get excited about the prospect of this year being the year we finally take back control of our finances and pay down our debt. But then a month or two goes by […]