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How to Use BIG Goals to Pay off Debt

Posted by on 3:30 am in Debt | 4 comments

Tell us a bit about yourself. My name is Steven, but I am better known on my blog as Even Steven Money.  I am your everyday Joe Steven who lives and works in corporate America, staring at a cubicle wall at my 9-5 office job.  My website revolves around working to pay back all of my debt, becoming Even Steven, and reaching financial independence in order to retire early.  How did you acquire $100,000 in debt? What did that debt consist of? At one point my debt had ballooned to over $100,000. I don’t think I ever wrote down the exact number or...

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12 Fun and Cheap Anniversary Ideas

Posted by on 3:30 am in Budget, Relationships | 2 comments

Like the rest of the world, us personal finance aficionados like to celebrate special occasions too – we just prefer to do so in a way that ensures our financial goals stay intact. The longer I am married, the more I find that simply being with my husband on our anniversary is what’s most important to me. What we do or how much we spend is no longer important. Our frugal ways have carried over into most every aspect of our relationship as we work to show care and love for each other. For instance, although Rick does bring me...

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20 Signs That You’re Financially Stable

Posted by on 3:30 am in Goal Setting | 20 comments

How can you know if you’re truly living a life of financial stability, or if you’ve still got some work to do in the area of creating a financially stable life? The 20 signs below can help you figure out the answer to that question. Although it’s true that individually, the 20 signs don’t necessarily indicate a financially stable person (it’s easy to put your head in the sand sometimes, right?), collectively, if you can answer “yes” to a majority of the statements below, it’s a good indicator...

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How to Clean Up Bad Credit

Posted by on 3:30 am in Credit Report | 9 comments

One of the first steps for many people when it comes to paying off debt and building wealth is learning what it takes to clean up bad credit. Cleaning up a bad credit report won’t happen overnight, but it’s a vital part of the process of getting out of debt and building wealth. Today we’ll learn the necessary steps one needs to take in order to take their credit score from bad to best, and what the benefits are of cleaning up a bad credit report. Why is Credit Important? Before one learns how to clean up bad credit,...

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How a Teacher Taught Herself to Dump $102,000 in Debt

Posted by on 3:30 am in Debt | 11 comments

Tell us a bit about yourself. My name is Ruth, and I live with my husband (DH) and two of our three daughters. Our eldest has grown up and flown the nest. I work as a high school teacher, and my husband runs a home business. What was your debt at its highest? What did that debt consist of? We acquired our unsecured debt of $102,200 debt very unconsciously at first. Debt has become so normalized in our culture that we didn’t blink as we took on debts for cars, furniture, some travel, meals out, a variety of consumer purchases, and a mortgage....

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