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Showing posts from August 8, 2015
Hi Guys, So I have been reading this book on money management. It is my desire to become debt-free in the next few years or at least cut my debt in half. I decided to learn as much as I can about debt-free-living. So far, I'm in chapter 8, a section on credit scores and credit reports of the book. Taking the time to understand debt basics and having gone through multiple sessions of debt counseling, I have learned a lot. By learning and applying these simple tools, I have been free of credit card debt for five years.  I had major credit card issues and one of my projects within the last five years was to eliminate unnecessary credit card use. In which I have done. My motto is "if I can't pay cash for it, I will not buy it." I HATE owing debt, I simply hate it, and it does not justify the means to owe the world and barely live. Seriously, the "struggle is REAL." So, I decided to take on my debt as a personal project and see if the end results would