being debt free is a good reason to smile! thanks to Dave Ramsey's financial peace university, I am on the way to financial freedom! credit card debt is all paid off, student loans are next!!

How Rita Robyn Paid Off $74,000 In Credit Card Debt In Less Than 5 Years. Review Of The InCharge Debt Management Program. Client Success Story.

As someone who loves maximizing credit cards rewards, here are the credit cards in my wallet, and an explanation of why I have them.

It's been incredibly freeing to live without the extra burden of monthly payments for things we've already purchased. I'd even venture to say that it's one of the reasons we are able to live on my husband's teacher's salary. This is our story to debt-free living.

Correct me if I’m wrong, but I’m pretty sure the collective millennial dream is to fully pay off their personal debt before they die. It’s a simple dream but is it an attainable one? As of March 2019, the New York Federal Reserve said millennials have accumulated over one trillion dollars in debt.

Having a zero balance on your credit card may affect your credit score, but it depends on whether your credit report shows a zero balance.

Here's a basic guide to getting out and staying out of debt. There are quite a few more resources out there but this is a good starting point. 1. Make the Resolution: Spend less than you make. This is a tough one. Spending more money than you earn is common practice in the U.S., and increasingly in other countries around the world. Learn to just say “No.” You must learn to say no to yourself, your spouse/partner, and your children. This is called delayed gratification. It is essential to…