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 […]

‘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 […]

I should have saw it coming. Just as one could have easily predicted Clay Aiken would eventually come out of the closet… …I should have known my proclamation of debt freedom would be followed by one question, and one question only. “Are you gonna call Dave Ramsey?” I was probably asked this by a dozen […]

Yo yo yo! Quite possibly the most exciting announcement EVER . You’re probably going to want to take a seat before you read this. Are you sitting down yet? Okay good. Today, mi amigos, I would like you all to know, I just popped a cap in Sallie Mae’s a$$ and laid her to rest. […]

Unless you are the dumbest person in the world, you probably have realized I’m not the biggest fan of debt. I think it’s pretty stupid. I don’t even believe in such a thing as “good debt.” Although I’m a pretty avid debt puncher, I do compromise on two issues… Home So I guess houses are […]

As I mentioned last week, I decided it was time to say “Adios” to Sallie Mae and get rid of my stupid school loan. Two years ago my account balance was $28,000 and today it stands at $4,500. I made a $10,000 payment towards the loan last week, which was totally awesome, but my savings […]

Remember when you were really young and your parents use to beat you mercilessly put you in timeout when you got in trouble. For example, I remember saying ‘piss’ in front of Mom Ninja for the first time. She was not pleased with my potty mouth so she did what most mothers do. She threw […]