Live a debt-free life
When was the last time you thought about your debt, not just the amount, but what it really costs you? Do you know how much you owe right now, down to the dollar? Do you know the interest rates on each card? Could you name them without digging through a drawer of statements? Do you … Read more
Recently, I came across a post on Reddit’s r/personalfinance. The original poster listed their credit card balances and minimum payments. At first glance, everything looked fine — but when I checked their math, I noticed the minimum payments didn’t add up. That small mistake makes a big difference in how long debt hangs around. This … Read more
Most people blend in. A few stand out. A Message to Garcia is the timeless reminder that accountability and initiative, not excuses, set you apart from the crowd.
Think Dave Ramsey invented the Debt Snowball? The real story began in 1986 with a chaplain’s idea and the first calculator in 1991. Here’s what really happened.