Let me leave some parting words before I turn in for the night. I didnt become debt free overnight. Additionally When I was younger I wasnt perfect with my credit. I paid off all my debt (and it took me 4 years) and never looked back. I have never been this happy and free to do what I want within my means. I never have...more

msyakyak I agree with you. The only reason the credit system is in place now is to create the need to have interest bearing debt. Whether your credit score is good or bad they still make money off you. So not only does the government tax what you earn. The creditors make you pay them (in interest) for things that most ...more

Alrighty..      The most creative way (and really only way imo) to stay debt free is to not have debt! Simply put.. Dont buy anything you cant save up for and buy it in cash. With that said.. Creditors, banks, etc are businesses so yes they want to be a middle man for you, over extend you and make some cash off you...more