Can you be debt free? One person says, “I can,” another person says, “I cannot.” Which person is correct? Both are correct. If you think you can, most likely you will. It’s not so much the power of positive confession or positive thinking, as it is the sheer determination of the human spirit to accomplish […]

Benjamin Franklin said, “When you run in debt, you give to another power over your liberty.” Living within your means is simply not going into debt for any purchase. It means you purchase only things you need, not what you want, and you pay cash for things you need instead of trapping yourself in debt […]

You have to get to the starting line, establish your long-term goal of reaching financial freedom, define that goal in terms of steps, and then change gears from debt-recovery to debt-prevention. You have to think specifically, not generally, about how you’re going to get there and then rejoice because each step from now on will […]

In my last blog I stated that you have to first get to the starting line. There is a planning process that you should be aware of. What is involved in the planning process? Planning is outlining a course of action in order to achieve a goal, thus fulfilling a desired objective. It is predetermining […]

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