Student Loan Debt Forgiveness | For Ministers & Non-Profit Workers

The following is a guest post by Cary McCall.  While reading a post at One In Jesus I saw Cary made a comment about debt forgiveness for ministers.  I asked him to explain more and he sent me this post.  I read it and even got permission from the website owner, Jay Guin to use this post that he also has on his website.  If you have any questions either Cary or I could try and answer them in the … [Read more...]

When Do You Become Debt Free?

I’ve stated in my about page that I’m debt free – except for the house. Yet, in many ways, that means I’ve swallowed the pill.  I’ve taken the bait.  When does the Bible exclude a loan as debt?  Do I make a distinction because of something I read in the Bible or something I heard on the radio? Debt Free Friday Every Friday, Dave Ramsey allows his listeners to call in and yell, … [Read more...]

7 Ways to Avoid Debt

The following is a guest post from Jack Reed.  He is a financial writer with Oak View Law Group. He offers advice on debt related issues. Subscribe to his RSS feeds and keep yourself out of debt.  If you want to submit a guest post you can read the guidelines here. The most direful situation one can face today is being crushed under overwhelming debts. Modern life is expensive and being a … [Read more...]

Should You Consolidate Student Loans Or Pay Them Off?

Second only to the mortgage, the student loan is the American debt of choice.  Only a few loans are righteous enough to carry the title – good.  A student loan is typically one such loan.  As a result, people often like consolidating mortgages and consolidating student loans.  The negative result is that the student loan becomes not just a part of life, but a part of who we are.  Quite … [Read more...]

Can’t Pay IRS Taxes in Full? Tax Payment Options

Today’s post is a guest post by Matt Robinson.  He is a tax accountant and writer for who helps taxpayers with IRS payment plans and tax debt settlements.  If you want to submit your own guest post you can get details here. So the tax deadline is quickly approaching and you have completed your tax return and realize that you won't be able to pay your taxes owed by April … [Read more...]

FICO Score Matters: Sorry, Dave Ramsey

I’ve never spent much time trying to understand my FICO score.  I guess I’ve always just accepted Dave Ramsey's sentiment that FICO is evil.  However, the truth is that your credit score does matter, and I believe it will become more important in the future. Bad Advice: Borrow Money To Improve Your FICO Score This is the type of advice that people like Dave Ramsey hate.  And, rightfully so.  … [Read more...]

The Attitude Necessary for Getting Out of Debt

The following is a guest post from David.  If you’d like to submit a guest post you can contact me. David is a writer for Money Compare, a website offering people an simple way of comparing high interest savings accounts that give a good return on investment. Its the start of a new year and start of a new decade. Now is always is a good time to be on the road to living debt free. And so … [Read more...]

Start to Get Out of Debt Today With DebtSpark

This guest post was submitted by Kerri Reeves.  She is a guest blogger based in Blue Bell, Pa.  Learn about how to submit your own guest post. Christmas Reflection: Digging Out and Looking Forward The Unfortunate Reality of Christmas Debt With Christmas and New Year's now passed, we reflect on the chaotic season that was. Did we experience the true meaning of holiday spirit with peace of mind … [Read more...]

55 Compelling Reasons to Get Out of Debt

When it comes to money and debt there are essentially only four groups of people Those who are debt free (like me).  Love it. Endorse it. And Preach it.  They can afford a family vacation and do cool stuff like vacation with cash and buy cars with cash. Those who have debt, leverage debt, and feel sorry for people who aren’t smart enough to use debt. Those who have debt, hate it, and are … [Read more...]

Dave Ramsey Debt Snowball: Paying Off Debt Spreadsheet

The intention of this free debt snowball spreadsheet is to allow you to maintain two necessary ingredients of paying off debt. It is a tool to help you get organized.  To help you get organized you'll want to have one of the best personal finance software.  This could be a free money tracking program like Mint or another paid option.  Throughout this process you might want to keep you eye on … [Read more...]