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Welcome! I’m happy you’re here-it means you’ve decided you want to get to work clearing your debt!! This was my New Year’s resolution at the beginning of 2018 and I’m happy to say I was able to keep that resolution. I made my last consumer debt payment on September 11, 2018 and haven’t regretted it a bit. I started the Older Wiser Money Miser blog in the hopes that I could help others do what I did.

My debt free journey was influenced by a number of financial experts, most notably Dave Ramsey and Clark Howard.  I used Dave Ramsey’s Baby Steps as a guide but I will be the first to admit that I did not (and still don’t) follow them to the letter. I’m not a believer that there is one right way to do anything EXCEPT for your way.

My approach to formulating a debt free strategy is helping you find one that you will actually stick to. For example, if you can use credit cards responsibly and, most importantly, PAY THEM OFF IN FULL EVERY MONTH, go ahead and continuing using them. If you do not have the discipline to pay your credit card balance every month, or to stay out of the mall when something shiny catches your eye, it might be time to break out the scissors and cut the cards up. We’re all adults capable of making informed decisions, and I’m a firm believer in taking personal responsibility. You know yourself better than anybody so any informed decision you make is yours-just be sure you can live with the consequences of your decision before you make it.

If you have not already signed up to receive your copy of the Debt Free Challenge workbook, click here and enter your name and email address. You’ll receive a link to download your workbook.

I’ve made the posts that are specific to the Debt Free Challenge easy to find by categorizing them as, well, the Debt Free Challenge! Click on this link and you’re there. Some of the posts include strategies for clearing out credit card debt, student loan debt, medical debt, tax debt, and more.

At this point comes the pesky disclaimer-Any and all items contained in the Older Wiser Money Miser Debt Free Challenge are intended as a resource for informational purposes only and should not be construed as professional tax or investing advice.

Be well and God Bless-until we meet again…

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