Drowning in Debt?

Are you drowning in debt?
Check out this article of a woman with $60,000 in debt. I admire her courage to share her story. Fortunately, many of us in the frugal village have real solutions for her and you IF and only IF you are willing to accept the fact that what you have been doing doesn't work and hadn't worked.

Freedom requires sacrifice and we all know that freedom just isn't free. My highest unsecured debt 4 years ago was $27,000. I paid it all off using the Dave Ramsey plan. It worked and still works. It has totally changed my life! I see and hear things differently. I give freely laced with wisdom. I have greater understanding about life itself. Please join me and thousands of others living the affordable good life!

Freedom!

You Have the Power to Pay Off Debt

You can do it!

You can sacrifice buying wants during this recession and pay off your debts so that when the economy picks up, you will be in a very powerful position to impact and create change in your immediate world. With only a mortgage, I am free to both save and give. My attitude about life improves daily because I am not weighed down by the "making ends meet-rob Peter to pay Paul -when is payday-woe is me" mindset. My simple life affords me many opportunities to spend wiser on many things I want that go far beyond my needs. I am able to freely contribute to the life of others in so many ways.

Dave Ramsey's plan works. His baby steps work. I can share this from personal experience. If you want to begin a journey toward personal empowerment, I highly recommend the Dave Ramsey program. I've been working it since 2005 and I intend to use it as a template for personal success for the rest of my days. He saved my financial life.

Check out the other resources listed in the sidebar that changed my life through changing my thinking. Those who benefit most from debt are the ones telling you to how to manage debt. I am a true believer of simply eliminating it and you don't need to pay anyone else to help you pay off your debt. Just start paying it off, penny by penny, dime by dime, no matter how long it takes. A life without the limitations of paying other people all the time awaits you. Freedom!

Living Outside of the Debt and Stuff Enslavement System

Just before Thanksgiving 2008, I finished Harriet Tubman by the brilliant researcher Catherine Clinton who, by the way, wamly responded to my email that I sent stating how she enlightened me.

Tubman remains one of my favorite real life heroes but I was struck by how she crafted dozens of runs to free so many slaves but did not adequately prepare for her own retirement in Canada: Over the course of many years, cash flowed into Tubman's life from abolitionists yet she did not put any of it away for later living: She struggled to make ends meet in old age. (From another source I learned that her contemporary, Sojourner Truth, lived in a paid for home in the 1800's. Certainly, if Truth can do it, I can too!)

Another odd and interesting fact: Tubman was committed to freeing her family and was able to motivate her aging parents, siblings, and their families to run and live outside of the slave system. Her husband, John Tubman, however, chose to remain a slave. This broke Harriet's heart and I know we can read into the variables affecting his decision but it baffles the mind to know someone who can set you free yet we choose to remain enslaved. He remarried another slave and stayed within the system. (Guess she said, "I love ya, baby, but I got to go. Can't live like this no mo'. (LOL))

This is exactly how I perceive many people who don't want to live outside of the "being broke with debt and stuff system or being an enabler."

The broke enablers don't want to confront the addicted or extremely dependent ones they are supporting so they claim that this self-destructive behavior of giving away huge sums of their earnings is what they are on the earth to do. Some people seem to prefer to remain broke decade after decade and will recite the "the comforts of enslavement" to you. They are only fooling other slaves, not the frugal and free. I'm not convinced that such a line of reasoning correlates to God's best for mankind.

An incredible body of information to financial freedom can be found online and, of course, libraries, bookstores, etc. Most folks know at least one wise individual or couple who are exceptional in handling their resources and money. Often, the broke folks shun the wise and free as if they are intergalactic aliens when coins are jangling in their pockets yet, praise the same when they spend their last dime a few days or weeks before payday.

Freedom from the enslavement of debt isn't a mystery. The Bible has clear instructions but if you don't believe in it, check out the non-biblical resources in the new blibliography I've posted. Universal truths are true whether or not you believe God is the source of them or not: The principles work. In 2004, I stumbled on Dave Ramsey and a plethora of information began chasing me down. I couldn't resist! It made too much sense and as challenging as it was and still is to control my human nature, as the slave system of debt and stuff beckon me back into the game, I love my freedom and I'm not going back. Freedom!