debt

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 […]

Every now and again I like to pick your guys/gals brains. It’s not only helpful for me to see if I am at relatable to the people who read PDITF, but hopefully it’s also helpful for you to see where you stand against the masses. Since the value in today’s post is probably coming from […]

If I could be any animal I would be a house fly. Okay, not really, I’d probably be a fire-breathing squirrel, but house fly would be second on my list. Yeah I know flies are pretty gross looking and only have an average life span of about a month, but they do have one thing […]

You all know I was $28,000 in student loan debt when I graduated. I consolidated my loans with Sallie Mae so I could pay them back over the next twenty years. My monthly minimum obligation was $200. After about three payments, I got sick of making them. I was annoyed by the fact that I […]