Holiday Shopping Tips


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Holiday Shopping Tips 'Tis the season, let the games begin! We look for the best deals, the best gifts we can find and we usually go overboard because we don't utilize these holiday shopping tips or have a plan. Be reasonable. You do not need to buy something for every person you know and each of their family members. The holidays are about giving of yourself and showing the people in your life how you feel about them not going into debt. Plan ahead, organize and stick to the plan … [Read more...]

Sacrificing to Succeed the Wizard Valerie Way


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cc Are you sacrificing to succeed? Getting out of debt is just like losing weight. It's much more fun and faster to gain it than it is to get rid of it. While my husband and I have made sacrifices for the betterment of our home, I have personally taken it a few steps further from the foods I buy to the personal products I became accustomed to. The less I spend and the more I sacrifice now, the better off  we will be in a very short time.  These sacrifices are only temporary. In two years my … [Read more...]

Financial Records – Keep them to Help Get out of Debt


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Keep Good Financial Records As many people are fighting the valiant fight to get out of debt, one thing that they tend to skimp on is keeping good financial records. Let's face it, a lot of us that have had debt issues aren't the most organized people in the world, me included. I have had to put conscious measures in place to assure that I do everything in my power to have accurate records on hand in the event I am questioned or accused of "not paying something". As we scratch and claw … [Read more...]

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