A Straight Talk on Debt

A Straight Talk on Debt gives you the real deal on debt, straight from our employees and personal finance experts. Learn more about debt relief plans and how to be financially fit.
  • A Straight Talk on Debt

    Straight Talk On Debt: Psych Yourself Debt Free

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    There is definitely a correlation between how you view money matters and the state of your financial situation. The psychology behind spending, saving and indebtedness hinges on more then just what immediately comes to mind when you are struggling with debt.

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  • A Straight Talk on Debt

    New Year, New Budgets…Two of Them Actually

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    I have to do the budget for the short period of time until I finish my DMP (Whoo Hoo!), and I have to do my after-DMP budget. 

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  • A Straight Talk on Debt

    The Biggest Pitfall to Tracking Your Expenses

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    I didn't mind spending the money, but was struck with pangs of guilt when I had to record and face those expenditures.

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  • A Straight Talk on Debt

    Let's do the Thermostat Limbo

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    It's January and in the Midwest it's cold outside. However, now that I'm the adult and responsible for paying for the heating bill, I'm much less interested in keeping my home at a tropical temperature. But I'm also not interested in having the same arguments with my family about the thermostat setting.  

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  • A Straight Talk on Debt

    Managing for Today and the Future

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    Life is like that. You have to take care of all the little daily things like taking out the trash, feeding the kids, and paying your bills . . . but you also build the story of your life -- your legacy -- by the long-range projects you take on.

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  • A Straight Talk on Debt

    My Husband is the King of Haggling!

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    I am not a haggler.  I have always paid the ticket price and asked no questions.  It is just not in me to haggle or negotiate. If that's the ticket price, then that's the price and you can take it or leave it.  Not so with my husband.  He isn't happy if he doesn't pay less than the sticker price.  He loves haggling and he has become quite an expert.

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  • A Straight Talk on Debt

    Jack of all trades, Master of none

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    As the New Year begins I challenge you to become a Master in the area of budgeting. If you are anything like me you tend to start the New Year with a bang committing to track every expense, save every receipt and only buy what you need. Typically, the momentum last for a few weeks and if I'm lucky it lasts for a few months.

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  • A Straight Talk on Debt

    Making Tracks: My Baby Steps to Saving

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    I will set up a spreadsheet for it and even add a column in my Christmas spreadsheet for it. But then I never fill it in. And then-now here's a shocker-I wonder where all my money goes.

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  • A Straight Talk on Debt

    Medical Emergency Strikes...Are You Prepared?

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    I'm a planner so we had a plan for emergencies.  We have all the important paperwork the experts said to have.  We have a living wills and a health care power of attorney. We have all our bills in one place and an emergency fund.  My husband's job had even let him transfer some of his vacation time into a fund for short term care.  I thought we were ready for anything. 

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  • A Straight Talk on Debt

    Straight Talk on Debt: Want a Fresh Start in 2013? Evaluate Your Spending

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    Lying about your spending habits either to your partner or worse, yourself only allows things to spiral out of control. So start off 2013 right by tracking your expenses and finding out where your money is going. Chances are there is a lot of room for improvement and new habits you can foster this year.

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  • A Straight Talk on Debt

    Do You Know Where Your Money Is?

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    One of the most important things you can do for your finances is understand how your money moves through your personal financial system.  

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  • A Straight Talk on Debt

    What Can You Do To Help Your Parent’s Poor Financial Situation?

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    The recession has done many things but maybe one of the largest impacts occurred when baby boomers had years of savings devalued by the 2008 recession. Some have not recovered.  

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  • A Straight Talk on Debt

    Did Stocking Stuffers Blow Your Holiday Budget?

    • 18 Comments

    We added stockings for our two kids as they entered our lives, but I always followed Vonnie's lead when it came to filling them.

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  • A Straight Talk on Debt

    Tracking Your Progress toward Goals

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    Why do we get so frustrated? At least in part, it's because we haven't built the structures to support our goals -- including mechanisms to track our progress toward them.

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  • A Straight Talk on Debt

    Share The Wealth: Holiday Regrets?

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    Now that the rush of the holidays is over, what purchase do you regret the most, and what did you learn from the experience? 

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  • A Straight Talk on Debt

    Financially Fit: Resolutions for the New Year

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    First and foremost, if you don't have a written budget, make one now. If you do have a budget, resolve to stick to it. Budgeting lies at the foundation of every financial plan. It doesn't matter if you're living paycheck to paycheck or earning six figures a year, you need to know where your money is going if you want to have a handle on your finances

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  • A Straight Talk on Debt

    Learning HOW to Save

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    Since I began my journey on the DMP, I have made a commitment to myself that I would establish savings.  I didn't expect that I could contribute huge amounts to savings accounts, but I knew I could do something better than I had previously done, which was NOTHING. 

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  • A Straight Talk on Debt

    Debt-Free and Afraid of Failure

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    What if my car breaks down? What if there is another pay cut in my future? What if I have to have another surgery?  There are so many 'what ifs' in life that I haven't figured out how to just let life happen.

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  • A Straight Talk on Debt

    Be Part of Something Big: Join the Debt Movement

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    When I was in debt I was always looking to talk to people who had been in my shoes and knew what it was like to be on a tight budget, forgo luxuries and not be able to save. Looking for a little help on your journey to debt freedom? Over $15k in scholarship money is available to the Debt Movement community, apply today to be considered. If this is you then you MUST join the Debt Movement! The Debt Movement , pioneered by Jeff Rose from Good Financial Cents, launched January 2, 2013, just in time for those New Year’s resolutions. You know the ones that always fall by the wayside after three months? Jeff’s objective is to help readers of the financial blogging community pay off $10,000,000 of debt in 90 days. Lofty goal? Absolutely...
  • A Straight Talk on Debt

    Holiday Shopping is Over—or is it?

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    In the past, if we had any money left we would go and get some wrapping paper, Christmas cards, and lights if we felt we needed them. One of the bargains that would go fast was the "to and from" tags for presents. If you want to get new decorations, now would be a good time to plan for next year.  

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  • A Straight Talk on Debt

    What Does “Living in Sin” Mean for Your Finances

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    One of the major obstacles to co-habitation without matrimony is the legal implications of assets and liabilities acquired during your time together as a couple, should the relationship come to a screeching halt.  

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  • A Straight Talk on Debt

    The Budget; Let's Keep it Real

    • 6 Comments

    Vonnie wanted to host a holiday family gathering for her side of the family, as there hasn't been one for a number of years.  Even with asking those attending to contribute supplies, we knew we would have to conserve our discretionary funds for the preceding weeks to pull off a gathering of that magnitude.

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  • A Straight Talk on Debt

    Budgeting Your Time

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    What does time have to do with your finances? Well, time is far more precious than money, because it really is what your LIFE is made of. And if you learn to steward your time well, it's much easier to steward your money.

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  • A Straight Talk on Debt

    Planning vs Flexibility: Opposites or Companions?

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    Sometimes planning isn't all it's cut out to be. Then again, floating directionless through life in the name of being flexible seems a little pointless. Where is the sweet spot?

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  • A Straight Talk on Debt

    Money Out of Sight, Money Out of Mind

    • 4 Comments

    With a few swipes and clicks of the mouse the balance of our savings account decreased, and the checking account balance increased.

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In addition to the blogs, be sure to check out the new CareOne Groups:

Starting Out

Are you finally out on your own and figuring out how to balance your finances? If so, this is the group for you. In Starting Out, you can talk about the challenges you are dealing with in a group of like-minded people.

Settling In

Do you feel like you are finally understanding what being a "grown-up" is all about and are settling into your adult life? If so, this is the group for you. In Settling In you can connect with others who are just like you.

Balancing It All

Struggling to balance all that an established lifestyle has to offer? The balancing it all group is for you. Discuss the challenges you face when your responsibilities at work, at home and with family and friends all compete for your attention.

The New Retirement

Are you currently retired or planning on retiring very soon? If so, this is the group for you. Times have changed and so has retirement. Learn how others are redefining retirement.