I’ve never liked having any debt because it’s always made me feel uncomfortable owing someone money. When it comes to major purchases like a home, it’s unavoidable; but for smaller ticket items, I avoid debt like the plague because I know it’s a slippery slope to go down. You start owing a little here, a little there, and the next thing you know you’re making large monthly payments with little to show for it.

But we’ve all been there. We all slip up. Whether it’s eating too much at a meal, spending too much when you’re out with friends, or something else, stuff happens and you deal. Well, if debt happened and you’re looking for some tips on how to get it unhappened, I’d like you to check out these ten steps I’ve learned over the years.

(Click to continue reading…)

Do you pay attention to the little things? Is your brain fascinated, daresay obsessed, with details? If you believe the small things count as much as the big things, you might already be a snowflaker and not know it, or at least, are well on your way to becoming one.

The idea of snowflaking is simple – put forth effort to either save small extra amounts of money or earn small extra amounts of money above and beyond your normal earnings, and then put that money to work for you in a systematic fashion. What you decide to do with the money is up to you – in my life, our goal is to get out of debt so I snowflake to debt reduction, but you can snowflake to savings, investments, or any other endeavor that is in line with your financial values. The key is to create opportunities to snowflake above and beyond your normal spending, saving, or debt reduction plan.

(Click to continue reading…)