When I left for college in 2003, my mom signed me up for my first credit card. Since I was going to school in San Diego, but my family was in Seattle, the thought was I could use this credit card if I ever needed to purchase an emergency plane ticket home. Fortunately, I never […]

Ladies and gentlemen, I have some fantastic news to share with you…I’m not as dumb as I thought. In fact, I’d argue that I’m quickly approaching average intelligence. Booya for being un-stupid! I’ve been doing a lot of reflecting lately, especially when it comes to my finances. Turns out, I’ve accidentally made some pretty good […]

I love getting mail from PDITF readers. It makes me feel like I’m important, even though I’m really not. Well, it’s time we help another Debt Puncher out and share our two cents on his situation. His email says… I just paid off the first of my 9 (yes…credit+retail) cards. It’s a huge achievement. I’m […]

My path to debt freedom

by Ninja on November 8, 2012 · 11 comments

Getting out of debt is simple in theory. Earn more than you’re spending. Use discretionary income to pay down debt. Become debt free. It’s that easy. No really it is. That said, the path to executing those steps is often not easy; financially, emotionally, or otherwise. I’ve now been debt free longer than I was […]

I can buy anything I want.

by Ninja on October 17, 2012 · 22 comments

As I logged in to Mint to give the ‘ol bank accounts a quick check, I realized something. Girl Ninja and I can pay cash for virtually anything we could ever want (excluding a house). Too be honest, it’s kind of humbling. I don’t feel like we can buy a 2013 Porsche Cayenne, but the […]

The End.

Lightly Slap Debt In The Face

by Ninja on September 17, 2012 · 31 comments

Debt is quite possibly one of the most interesting pieces of personal finance. It’s relatable, as the majority of Americans have some type of debt (credit cards, student loans, mortgage, car payment, etc). But what is really interesting is the way it can polarize the PF world. I mean just look at the title of […]