Debt Free Hispanic | Personal Finance Debt

Hispanics in Financial Prisons

Today I was reading my own story of how I got out of debt over at Bible Money Matters and I realized that there are many Hispanics that are in my shoes. Not my current debt free shoes, but the shoes that left $20,000 footprints everywhere I went. I was a debt man walking. Those [...]

Layaway Programs Increase in Stores

Buy Now Pay Later. This is called Debt. This is also called Stupid with zeros at the end of it. I’m not calling people that, I’m describing the action. And I’ll be the first to say that I have made some stupid purchases in my life. Because most of us Americans have made stupid purchases, meaning [...]

Debt Free Day

How much money could America save in one day? Have you ever thought of that. Seriously, wouldn’t it be cool if one day out of the year everyone would celebrate debt free day by paying cash for every purchase we make. The event will never happen. Why? America operates on money it doesn’t have. That’s right. Our economy would [...]

Cash for clunker program

So I was driving home yesterday from work and I came across a semi with a flatbed that was carrying about 20 vehicles that had been crushed. You’ve seen them because it’s amazing that cars and trucks can be crushed in the manner that they are. What caught my attention was a spray-painted message written [...]

$9.99 Live Dave Ramsey Dallas, TX Tickets

Do you live in Dallas, TX? If so you may want to consider making a quick purchase that can change your life. Now I never recommend quick purchases but this one is a no brainer. The first 1,000 people to buy tickets to see Dave Ramsey live in Dallas will only pay $9.99 for each [...]

$19.99 For A Pair of Nike Shox

Here is a pair of shox that I am wearing today at work. Yes, today is casual today for us at work and we are allowed to wear tennis shoes along with a pair of jeans. Well I usually do not wear tennis shoes because the pair I had up to this point were old [...]

Tax Free or Debt Free Weekend

Too much of a good deal is what gets most of us in financial trouble. But if you are smart you can save some money on products that you were going to purchase anyway. Here is Texas we will be able to purchase certain products and not get taxed at the counter. The purchase must [...]

Thought of Selling Your Home

Have you thought of selling your home lately? My wife and I have. We often contemplate selling and moving closer to work. Then we start to think about living in a luxury apartment close to restaurants and not out in the suburbs of town. We looked into apartments and let me tell you that people are paying good [...]

School Tuition Is Expensive

The longer I am in school the more expensive tuition becomes. I realize now all the scholarship opportunities that I missed out on by not applying or by not having a good standing GPA. Currently, I working towards a PhD in Business Leadership and finding scholarships for this level of schooling is hard to come by. If [...]

Minimum Wage Increase

The title should give you an idea of where this post is going. There is a problem in America and across the world with people making enough to get by. Some people are living at a poverty level and they don’t even know it. It could be worse for some if it wasn’t for laws [...]

Senior Citizens Paying High Price

We all want to live comfortably during our lifetime. I don’t think many would disagree with that statement. But I think we all really want to be comfortable when we reach the age of retirement. I started to think about my parents and how comfortable they will be financially when they decide to retire. When [...]

Another Debt Free Vacation

My wife and I are going on another debt free vacation. What is a debt free vacation? I’m glad you asked. A debt free vacation is a vacation that is already paid for. Yes, thats right I already paid for my vacation and I haven’t even left yet. How did I do it? Easy, I paid for everything [...]

Reducing Consumer Debt

The best case scenario is always the hardest, paying off all your debt until you are debt free. For many consumers, reducing debt is out of the question. So many people are too busy paying their regular payments: mortgage, car, phone, cable, water, energy ect., that they forget or just do not want to pay [...]

Play Golf Debt Free

There is nothing like playing golf. Actually there is nothing like playing golf debt free. This post may catch the attention of golf player alike, but I must admit that I am not a golf fanatic and here is why: Time It seems to me that there is not enough time to play golf. Golf is [...]

Elderly Retirees Deal With Cost of Living Increases

Can you imagine working your whole life, saving for retirement and when the time comes when you can no longer work and reach the age of retirement, your life savings is not what you thought it was going to be.In fact its not even close to what was projected because of the cost of living [...]