Each of us lives only now, in this brief instant. The rest has been lived already. So make the most thoughtful choices you can today that will lead to a better future.
Steve's Thought of the Day
Stop drifting and hoping a magic solution will appear. Instead, you can participate in rescuing yourself. Find peace by pursuing facts through trusted advisers and research rather than the blind trust of salespeople trying to sell you something by almost any means necessary.
Steve's Thought of the Day
Make decisions to deal with your debt with logic and facts, not assumptions, and worry about what other people will think. People who judge you will soon be forgotten. Nobody thinks about anyone that much.
Steve's Thought of the Day
The world is nothing but constant change. Your life is only a perception. Choose a way out of debt based on facts, not assumptions. Do what is best for your future because those that judge you will not feed you.
Steve's Thought of the Day
Do you have a greater responsibility to repair your financial past or your financial present and future? Make good choices that allow you to tackle your debt and immediately start building your emergency fund and saving for retirement. Tomorrow will be here before you know it. Lost time is a sin.
Steve's Thought of the Day
There is no sense in wasting a perfectly good financial mistake. Instead, learn from it and do better moving forward. The past is gone. Turn and face the future now.
Steve's Thought of the Day
Those who judge you for past financial mistakes are not your friends. So don't make choices about your future out of fear of what they may think. Instead, make choices based on truth, fact, and what is best for you moving forward from today.
Steve's Thought of the Day
Don't believe everything you think. Challenge your assumptions about getting out of debt. Do what is best for you, not others.
Steve's Thought of the Day
Is it less moral to file bankruptcy or to not take action that leaves you old, broke, hungry, and dependent on others?
Steve's Thought of the Day
If bankruptcy is so bad, why did our Founding Fathers specifically include it in the U.S. Constitution as protection for financial difficulties?
Stop listening to people that say bankruptcy is a last resort. It is neither first nor last. It is a tool like credit counseling, debt settlement, and others. For the best result, you need to use the right tool for the job.
Steve's Thought of the Day
People that tell you to avoid bankruptcy want to sell you something else are repeating something they heard or do not know what they are talking about. Get the facts and then make your own decision. Don't let an unskilled script-reading commissioned salesperson make life decisions for you.
Steve's Thought of the Day
Debt problems are like fingerprints. No two are alike. A one-size-fits-all solution will give you a one-size-fits-all result. You deserve better.
Steve's Thought of the Day
You are not your debt. Your value, self-esteem, and existence should not be defined by the money troubles you may be facing right now. Debt problems are solved with proper action, not guilt, self-hatred, and disgust.
Steve's Thought of the Day
Debt is nothing more than math wrapped in emotion. The math is easy, the emotional part leads us to do impulsive things. Not the right thing.
Steve's Thought of the Day
What type of money personality do you have? It is important to know. Take my online test now and discover how you unconsciously deal with money, credit, and debt.
Steve's Thought of the Day
How much retirement savings are you willing to throw away by dealing with your old debt instead of preparing for your financial future? Find how much you will lose by making the wrong choice. Use my online debt repayment calculator now.
Steve's Thought of the Day
Does it make more sense to ask for life-altering debt advice from an unskilled and untrained commissioned salesperson in a call center or an experienced debt coach like Damon Day that provides a customized solution for money troubles?
Raymond Dye had a buildup of blood behind his left eye that prevented him from seeing. David Polk had an abnormal heartbeat, and his wife had high cholesterol. Roger Wriston’s wife had a bad back. All the men had worked for a collection of coal companies owned by Gov. Jim Justice and his family, which … Read more
Like most of us, William Murphy dreads calling health insurance companies. They route him onto a rollercoaster of irrelevant voice menus, and when he finally reaches a human, it’s a customer service rep who has no idea what he’s talking about. Then it can take days to hear back, if anyone responds at all. The … Read more
 Press play to hear Dave Price tell his story. Over the last eight years, Dave Price has beaten skin cancer, struggled with the transition into a new career in his 50s and eaten away at the savings he worked decades to build. What happens next is in the hands of the nine justices on … Read more
People who don’t like to gamble and think it is stupid, gamble every single day with the biggest debt they may ever owe. But then again people are not the most logical creatures. Some would no more consider wasting money on lottery tickets because the odds of winning are so low but they gamble by … Read more
“Dear Steve, I have medicare & medicare gap coverage. Have filed for bankruptcy & discharged. If I were to mention to them I had filed, (just in case). Would that have an impact on my gap premium. In other words, how do they look at it. That you’re debt free & have extra money or … Read more
My husband and I are pretty healthy and our doctor visits had been limited to yearly check-ups and an out of the blue visit when a cold wasn’t going away. This year has been a bit different for us in terms of using our health insurance. Besides getting my check-up I also had to go … Read more
I work for a company that has announced lay offs by 2012. I have credit card debt. One is 19,000. another is about 5,000. I am very worried about health insurance. I have a daugher that has had surgery with part of her large intestine taken out and they found crohns. seeing doctors regularly. I … Read more
The government has just launched HealthCare.gov and it is a great site about the affordable options for health insurance in America. Here is how the site describes itself. Welcome to www.HealthCare.gov, a website we designed to help you, your family, your business, your parents and grandparents, and your neighbors and friends get the information you … Read more
A published work “Forgoing Medical Care Because of Cost” examines the issues facing cancer survivors in being able to afford continued access to medical care. The study found Cancer treatment may result in financial hardship, and an inability to afford medical copayments, prescription medications, and medical services perceived as nonessential (eg, dental and mental healthcare). … Read more
With medical bills skyrocketing, many people feel they simply can’t afford to be sick. But illness and accidents happen anyway, leaving many families financially unhealthy or even bankrupt. While there is no single, simple solution to the high cost of medical care, this brochure is designed to offer suggestions on coping with large medical bills. … Read more