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?
You might not be aware of a federal program that provides assistance for costs associated with home energy bills and the weatherization of homes or energy related minor home repairs. The LIHEAP (Low Income Home Energy Assistance Program) provides about $3.5 billion in assistance to families across the United States. LIHEAP is designed “to assist … Read more
When finances are tight, or if you simply choose to live frugally, there are ways to make your home decor choices an active part of your frugal lifestyle. The lighting choices you make can noticeably affect your monthly energy bills. Lighting is a vital part of any home decor. Obviously, the best money-saving tip involving … Read more
It’s summer time! Or darn close to it. Here in the South East it got hot…quick! We’ve had very little time to get used to the heat but here it is and here is shall stay. Everyone I’ve been talking to recently has been cursing about having to turn on their air conditioners at the … Read more
Last night I saw the commercial below offering free telephone service, or so it appears. [flashvideo file=/wp-content/uploads/IMG_0023.flv /] While the commercial says “the government will pay for you to have free home phone service”, it’s not the whole story. The government program behind this is the Federal Communications Commission (FCC) Lifeline and Link-Up Affordable Telephone … Read more
I’ve mentioned a little unit that I purchased to see if I could lower our energy consumption from one of our heat pumps. It is a little device called the Cool-N-Save and it operates by cooling the air that flows over the fins of the heat pump. You can read the study conducted by Tulane … Read more
Kim wrote in today and comments on my previous post, “I’m Saving $20,000 in Electricity Because I Don’t Want to Work to Pay the Bill.” She said: Will you provide more info about the solar panels you chose? Where does one even start w/ that kind of project? Do you call your utility and ask … Read more
This morning I had to wake early to greet the electrician. He was kind enough to come over to help me install my latest gadget, the TED, the electricity detective. It was advertised as a DIY kit, and for some homes I’m sure it is a breeze to install. But for some unexplained reason, my … Read more
Marvin Schur of Bay City Michigan was found stiff as a board in his bedroom after the city turned off his power. When he was found the internal house temperature was cooler than many refrigerators. “When neighbors went inside Marvin Schur’s house, the windows were frosted over, icicles hung from a faucet, and the 93-year-old … Read more
Information is already leaking out about the efforts of American Express to closely watch the places their card members shop at as an indication of credit problems. With mounting losses by credit card companies and an avalanche of new bad credit card debt to come, creditors are looking for ways to identify potential high risk … Read more