money
Check This Out- Debt
Getting started you may be desperate to get traffic and get out of debt. Just a word of advice- "Be Real."
More can be found about being real at: http://www.mydebtfreegoal.com/2008/01/always-stand-behind-your-beliefs.html
Be Real,
Sam Carrara
Debt Got You Down? Part 2
If you’re suffering under debt, stick close and learn. If you missed the last post read: http://www.samcarrara.com/marketing/debt-got-you-down/
Here we go… Part 2
Now that you’ve listed out your debt… You did do that right? Which debts do you pay off first? Here are two things to keep in mind:
- Pay off small debts- Pay off the smallest one and then move on to successive ones. This gives you a sense of accomplishment by being able to mark debts off your list. › Continue reading
Debt Got You Down?
Forget about the National Debt that is over $9 Trillion dollars! That’s over $30,000 per person.
What is your personal debt? Oh, not much. Let’s list a few areas out…
- Credit Cards
- Mortgage (1st, 2nd and 3rd loans)
- Installment Loans (Vaccuum cleaners, furniture, pets, etc.)
- School (College, Private School for kids, etc.)
- Wedding
- Travel/Vacations
Yes, once again Sam has a depressing post. (Some of those items above are real experiences & life lessons I’ve dealt with, or still dealing with.) Let’s be real, we all have debt. Does it control you? Are you a slave to it? › Continue reading
We Were Dumb With Our Money After College
Does the title of this post seem odd to you? I’m actually admitting that I make mistakes… but did I learn from them? Yes I have blemishes and I hope from my mistakes, you will learn.
Let me paint a picture of how this all happened. Both Melissa (my wife) and I graduated college and become officers in the U.S. Army. Starting out as Second Lieutenants wasn’t alot of money (it is now), but we had little bills and a steady income. About 18 to 24 months later we both became First Lieutenants with some nice pay jumps. Sounds good so far right?
Well we loved going out to eat, didn’t save a penny and then decided to buy a house. Not too bad, I’ll give you more details:
1. Going Out To Eat
We love food and going out to eat was easier than making it at home. No cleanup, no cooking and then enjoy the rest of the evening. We spent so much on our credit cards just for this it was amazing. If your credit card does the end of the year rollup by category on what you spent, get it. I don’t remember the dollar figure, but it was large. BUT, we could afford it. Yet it affected #2 below… › Continue reading
