We all have to go through the tough financial times at one point or another. And the better prepared you are, the less painful it will be to endure. However, this doesn’t make it any easier when you feel like

Are you looking for a shortcut to get out of debt sooner? There are two ways to build momentum in your debt repayment efforts. The first way is through the creditors themselves granting you some sort of relief, and the

Start with a Wishlist If you’re not sure where to start, here’s what you should do: Start with a wishlist. What would you really love to see happen in your financial life? Do you have debt to pay off? A

Pithy sayings about a dollar a day and soundbytes of financial wisdom feel completely useless when you’ve been hit with financial hardship. The idea of an emergency fund seems laughable because you feel as if you’re living in an emergency

When we don’t feel equipped to shift our thinking, we tend to immediately turn to our environment for comfort. This usually comes in short-lived bouts of instant gratification – spending money on something that will make you feel better. Or

The hardest part of getting out of debt is not the math. For many of us, it’s not even the money. No, for most people the hardest part is the perseverance required to become debt free. Here are the top

It is important to remind yourself that you will not always be in this financial situation. If you are unemployed or underemployed, avoid the trap of falling into binges of Seinfeld reruns with scoops of ice-cream on top. You need

The extent to which we will make changes in our lives is often capped by what we think of as “normal.” If the majority of our friends and family carry a large amount of debt and have an otherwise dismal

It’s always easy to judge yesterday’s mistakes with the wisdom and understanding you have today. In truth, the mere fact that you can recognize past mistakes means that you learned what you were supposed to learn from those situations and