Once you’ve obtained freedom from debt, your next trick will be to remain there. Whether you’ve worked hard to pay off a debt or you’ve worked hard to prevent becoming indebted, it can be hard to stay there. Life can change quite quickly; you decide to go to school, buy a house, get married or have a baby, you have extra expenses and you can’t spend what you used to; habits, feelings and ideals can take time to catch up. This adaptation period is rarely available in times of change, but there are initiatives you can implement to ensure this rite of passage does not allow you to lapse into debt. Continue reading →

The lucky ones make it to their twenties without inuring an unfathomable amount of debt. It seems that these days the lucky ones are becoming fewer and father between. Although I was one of them, my fiancé was not so fortunate. Now his debt is quickly becoming my debt and we are both paying for it. Climbing out from underneath a soul-crushing debt load can be perilous, with many pitfalls along the way, to prevent you from ever completing the journey. There is one ray of hope for the tragic majority, the right way to quickly and efficiently pay off your debt. Continue reading →