I realize that a lot of information I touch on is for those who are just getting started on their journey to debt free living.  For those pioneers who have already made the decision to work on their budget by debt consolidation or are in the process.  Let me stop you from making a mistake [...]

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I get scared for the many hard working, trusting individuals who just need a hand getting a handle on their debt and to learn or change budgeting tactics.  As I read post after post, blogs, newspaper articles, money management sites, I get this horrid foreboding feeling.  Why? Get to the point right?  Americans are so [...]

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