Is this the year you start living debt-free? If debt freedom is your goal, then today is the day to start working toward attaining it. Although becoming debt-free might not be easy, the result will be worth it. The following strategies can help. Implement a Spending Plan Understand your current financial situation to see where your money goes and how you can redirect it to savings, spending, and investments: Calculate your monthly income from all sources, such as your j

When I was married, we had mortgages on three condominiums, two car payments, and substantial credit card debt. Needless to say, a lack of planning had us extremely stressed about our financial situation. When we finally decided to sit down and create a plan to pay off our debt, we relieved the financial pressure we were under. Making small changes and seeing progress encouraged us to continue. Paying off our credit cards took a metaphorical weight off our shoulders. We h