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Remember the Power of Focus

February 25, 2012 By Mark 2 Comments

Remember the Power of Focus

As a kid, did you ever use a magnifying glass to fry a grasshopper on the sidewalk during a hot, sunny day? Well, that is the power of focus. Over a broad area, the sun provides light and warmth. But when harnessed through a small lens, it can fry a bug.

Filed Under: Budget, Hot, Personal Finance, Popular Tagged With: budget, debt-free living, Emergency Fund, Featured, LDS, My Journey

It’s All Downhill from Here

February 17, 2012 By Mark Leave a Comment

It’s All Downhill from Here

Debt Paid to date: $25,545 Debt Remaining to date: $24,774 When I started this blog, my intent was to share my personal get-out-of-debt story with others in order to inspire and demonstrate that they could do the same. I wanted to share the knowledge I have gained along the way as well as my own […]

Filed Under: Budget Tagged With: budget, debt-free living, LDS, My Journey

Only Cars with Car Payments have Car Payments

February 16, 2012 By Mark 1 Comment

Only Cars with Car Payments have Car Payments

Since I began my journey to live debt-free, I’ve come across a whole lot of naysayers who seem to think my new perspective on money and debt is flawed. People are always trying to influence me and debate with me on why I should be in debt, or why it is ok to go into […]

Filed Under: Debt, Personal Finance Tagged With: Avoid Debt, car payment, credit cards, debt-free living, Emergency Fund, Featured, financial independence, L. Tom Perry, LDS, My Journey

What Could You Do Without Debt?

October 24, 2011 By Mark Leave a Comment

What Could You Do Without Debt?

But before ye seek for riches, seek ye for the kingdom of God…   And after ye have obtained a hope in Christ ye shall obtain riches, if ye seek them; and ye will seek them for the intent to good—to clothe the naked, and to feed the hungry, and to liberate the captive, and […]

Filed Under: Budget, Debt, Personal Finance, Saving Tagged With: Avoid Debt, debt-free living, LDS, My Journey

Cut Up Those Cards

October 20, 2011 By Mark Leave a Comment

Cut Up Those Cards

A major factor in achieving financial independence and converting your life into one that is free of debt is learning to live on less than you make. Mastering this skill is difficult and it requires discipline, planning and budgeting, and the ability to say NO to that voice inside your head screaming “I want that!” […]

Filed Under: Budget, Debt, Personal Finance, Saving Tagged With: Avoid Debt, budget, credit cards, debt-free living, LDS, My Journey, overspending

Snowball Update: Slowly but Surely

August 12, 2011 By Mark Leave a Comment

Snowball Update: Slowly but Surely

Total Debt Paid: $24,992 Total Debt Remaining: $51,984   Pay the debt thou hast contracted… Release thyself from bondage. (D&C 19:35).   The snowball just isn’t moving as fast as it used to. But I’m not giving up on my goal of getting out of debt. If you are in debt and have found the […]

Filed Under: Budget, Debt, Saving, Snowball Tagged With: Aesop's Fables, Avoid Debt, budget, Emergency Fund, My Journey, Robert D. Hales, Slow and Steady, snowball, The Tortoise and the Hare

Emergency Preparedness: The Rainy Day Fund

February 27, 2011 By Mark 4 Comments

Emergency Preparedness: The Rainy Day Fund

The Emergency Fund A major component to winning financially is having an emergency financial reserve available at all times. And NO, a credit card or home equity line of credit or a quick trip to the local pay-day lender is not considered a good plan for a financial reserve. Instead, these things will only perpetuate […]

Filed Under: Avoid Debt, Budget, Debt-Free Living, Emergency Fund, Snowball Tagged With: budget, debt-free living, Emergency Fund, My Journey, snowball

How My Journey Began

February 8, 2011 By Mark 1 Comment

How My Journey Began

Recently married, stressed out of my mind, and living paycheck-to-paycheck with massive amounts of consumer debt weighing heavily on my shoulders, I began to search for some way (if there even was a way) I could gain control of the financial mess I had made for myself and my new wife. For years I played […]

Filed Under: Uncategorized Tagged With: Avoid Debt, credit cards, debt-free living, LDS, My Journey

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Debt-Free Mormon is not affiliated with The Church of Jesus Christ of Latter-Day Saints.

*The opinions expressed in this blog are those of the author. They are not intended to represent the teachings or doctrines of the Church of Jesus Christ of Latter-Day Saints. Nor are the opinions endorsed by, or recommended by, the LDS Church. This blog is designed to provide accurate, but opinionated information with regards to the subject matter discussed.

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The posts on this blog are based on my opinions and my personal experiences. Please do your own research and consult your own financial counselor and/or advisor before making financial decisions. Do not make any decisions solely based on what you read on this blog.

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