Expenses

Credit Card Reform: The End of Universal Default

November 20, 2009

The elimination of universal default is one of the most important provisions of the sweeping federal legislation known as the CARD Act. The bill, signed in May and going into effect in stages through next August, is expected to change the face of the credit industry as we know it…

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How much Interest are YOU Paying? Get Mad at Debt!

October 27, 2009

How much of your hard earned money is going straight into the pockets of rich bankers every single month? Figure it out, get pissed, and do something about it! I did and I’m already paying less and will continue to pay less every month until I’m paying ZERO.

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Non-Monthly Expenses – How to Budget for Lump Sum Payments

October 26, 2009

If you are trying to live on a budget and you have not planned for non-monthly expenses, it is just a matter of time before your budget is destroyed by one of these time bombs lurking just below the surface! Here’s how we avoid these budget busters…

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Discretionary Spending & The Spending Journal

October 21, 2009

Discretionary spending is the silent killer looking to wreak havoc on your budget. If you want to increase your success with budgeting and money management, start keeping a spending journal. Period.

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Save Money – How To Talk To Customer Service

October 19, 2009

Most people overpay for just about everything these days – but usually lower bills and discounted prices are just a matter of employing a few simple, old fashioned tips!

It doesn’t take magic fairy dust to get customer service reps to give you a “good deal.” A lot of times all you have to do is practice the lost art of being nice!

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Debt Testimonials – Al Hernandez Looks to the Ant

September 30, 2009

Today I received an email from Al Hernandez – a fellow debt freedom fighter and frequent reader of DFA. I wanted to share Al’s testimony with all of you to give encouragement and hope. Enjoy!

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More Reasons to Pay Off Credit Card Debt

September 23, 2009

Consumers are cutting back, and credit card companies are striking back! With more and more Americans saving more and spending less the credit card banks are really starting to take a hit – but… they are not taking the hit lying down!

How are the banks responding to the decrease in consumer credit use? Here is what recently happened to me…

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The Debt Steamroller – I WILL FIGHT to reach my goals!

August 25, 2009

I may not be on track to reach my debt repayment goals… but I am a man on a mission and will not give up that easily! DFA is earning more money, and that may be the answer to prayer I have been looking for…

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Grocery Hacks – How To Save Money on Groceries

August 7, 2009

This is the story of how we reduced our grocery budget from $400/month down to less than $250/month! The other night we sat down — together — and compiled this list of 20 ways we have successfully reduced our grocery bill over the last 7 months.

Enjoy!

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The Whole Armor of Personal Finance

July 29, 2009

Ephesians 6:10-18 outlines a powerful and encouraging passage of scripture that deals with The Whole Armor of God. In it Paul reminds the reader that the Christian battle is not one of flesh and blood, but of principalities, powers, the rulers of this world, and wickedness in high places.

I CANNOT help but read this and liken it to our battle against debt, advertising, wantonness, and the war to gain control over our personal finances.

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Localvore – Eat Local Foods and Save Money

July 20, 2009

A localvore is any individual who prefers to eat healthy, locally grown/produced food.

The following post is just one example of how my wife & I are becoming increasingly focused on eating healthy, organic, fresh, local, in season foods, and how this transformation has benefited both our pocket book and our health!

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