For my regular readers (all 12 of you, from what I can tell), you know that I claim to be very reticent to hand out advice (mostly because a lawyer friend of mine warned me about publishing advice in a blog) but after spending the past weekend reviewing many of my older posts (in an attempt to clean up the mess that is my archive and possibly to figure out what I have been writing about for the past 7 years), I must admit I sure as heck give out a hell of a lot of advice!
Last year, I got a little silly and came up with what I thought was the best Top 10 List I could possibly write:
If you look at this list, you will figure out that while I am not saying it is easy to live debt free, the methodology to do it, is relatively straight forward (in my estimation). I think I would stand behind this as a methodology for how to start fighting your way out of debt, since it does outline so many of those tough questions I have been asked about how do I start getting out of debt.
Many folks really do think it is simple to live debt free and to get out of debt, I am not saying that, in fact, I think I am pointing out that even though it seems very simple, it is not simple at all, but that is mostly because we make Personal Finance and Spending too complicated. I will clarify that by pointing out:
- Spending money is very simple for most of us through: Debt Cards, and Credit Cards.
- Saving should be as simple, given we have on-line banking and apps on our smart phones to access this, however, those apps must be hard to use, because most of us, don’t save!
Debt and Savings as a Simplistic Programmatic Explanation
Advice is kind of going to be the theme of the OBG posts on my twitter feed this week, so watch for those as well.
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