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The Fundamentals of Debt

Chapter 2 – What Your Money is Trying to Tell You

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Chapter 2 – What Your Money is Trying to Tell You The truth about money is that money is a thing. The leaves left in your gutters could have more value and worth if we all agreed they do. Money is just paper, metal or virtual credit in a computer. The truth about money is that if you think you ... Read More »

Debt is the Symptom, Not the Problem

The stomach ache is the symptom, not the problem. What is causing the stomach ache?

Now here is a point many in the debt world get totally wrong. They assume that the debt someone has is the problem. That’s not true. In fact the debt is the byproduct of another event and like losing partial vision in one eye, it’s the symptom of a greater underlying issue. If the focus is on the debt itself ... Read More »

The Seven Stages of Debt. Which Stage Are You In?

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Many years ago I wrote my original Seven Stages of Debt, as modified from the Five Stages of Death and Dying by Dr. Elisabeth Kubler-Ross. Both experiencing the emotional loss of a loved one and the emotional loss of your financial life are similar in some distinct ways. However, the emotional stages of debt also have two additional components that ... Read More »

Is Bankruptcy Sinful and Bad or Right and Moral? An Examination.

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For all of my life and especially through my financial struggles the assumption that money troubles are tied to morality and that people with debt troubles are somehow morally broken or moral failures and need to repent at their very hour of need, persist. It’s a false belief that haunts nearly every single soul that has fallen into the pit ... Read More »

Introducing The Amazing How to Get Out of Debt Calculator

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Every single day I help people for free to find good solutions for problem debt. Not long ago I was talking with some friends and it occurred to me there was no one single tool people could use to better understand all of their options to tackle their debt. Why not? So in collaboration with the smart technology people at ... Read More »

The Path to Happiness and Wealth by Steve Rhode

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I was awarded the Washington Post personal finance book of the month award for this book. It is a holistic look at the secrets to overcome debt and find a balance with money in your life. It’s a good book for people to read that might be having issues with shopping issues, compulsive spending, overspending, hidden debt, etc. You can ... Read More »

Chapter 1 – I Got Hit in the Head With a Baseball and I Saw it Coming

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Chapter 1 – I Got Hit in the Head With a Baseball and I Saw it Coming In 1990, my wife and I filed bankruptcy. We kept the secret for almost 10 years and never talked about it publicly. I felt like a failure. It was painful and embarrassing and, though there were many factors that lead up to that ... Read More »

Chapter 3 – Take a Lap on the Gerbil Wheel of Debt

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Chapter 3 – Take a Lap on the Gerbil Wheel of Debt Think of debt as that annoying squeak in the back seat that you hear as you drive alone in the car. The squeak distracts you from the beauty of the scenery, and before you know it, you are only worried about the squeak. I knew a guy that ... Read More »

Chapter 4 – Why Money Doesn’t Make You Happy

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Chapter 4 – Why Money Doesn’t Make You Happy If you’ve nodded your head a few times reading the first three chapters of this book, get ready: I’m going to introduce you to a program which, if you stick to it, will help you to be happy and have money. First, consider that part of what has been blocking your ... Read More »

Chapter 5 – If You Had a Million Rats, Would You be Successful?

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Chapter 5 – If You Had a Million Rats, Would You be Successful? You achieve true financial success when your internal prosperity expresses itself in your having enough money to meet obligations and to spend. You will be happier with the money you have and make if you can lead a more balanced life. What is financial success? If you ... Read More »

Chapter 6 – The 10 Attributes of Internal Prosperity

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Chapter 6 – The 10 Attributes of Internal Prosperity Now that you’ve defined success for yourself, it’s time to begin your new, balanced financial life. Now you have to make sure you have a good foundation on which to build the new, happier and balanced you. Think of these core components like the ingredients lists on a box of Oreo ... Read More »

Chapter 7 – The Attributes of Internal Prosperity in Action

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Chapter 7 – The Attributes of Internal Prosperity in Action Brian and Nancy had lived a fabulous life full of everything everyone wants. They had beautiful friends, sensational parties, the right guest list, the right address and fabulous cars. And all throughout their marriage, life had been…great. Brian had spent many years working closely with his father and played an ... Read More »

Chapter 8 – Your Money is Your Friend

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Chapter 8 – Your money is your friend Once you slow down your consumption of material goods and learn to find happiness within yourself, you will find you have more money to save and invest. You will be able to do much more with what you have and you will be surprised that more will follow. Your external wealth will ... Read More »

Conclusion – Listen to Your Heart

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Conclusion – Listen to Your Heart When you realize that you are experiencing pain and grief, and this pain and grief is coming from financial problems, your first thought might be to look for a magic solution with a dream ending. The most common dreams I hear people mention are loans, lottery and bankruptcy. They are all short-term fixes, not ... Read More »

Debt With Dignity

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In all sorts of corners of life we now assume that it is wrong to not treat others well. For example, in the U.S. we no longer have separate entrances based on the color of your skin. Buildings make allowances for physical limitations and a recent news story said that more people have developed a tolerance for the religion of ... Read More »

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