If you can’t afford the luxury of a professional crew of organizers and designers to organize your clutter and maximize your space, that doesn’t mean you have to keep living in chaos. Those of us on a budget still have plenty of options for getting organized. All you need to get started is some time [...]

I recently wrote about services that we never would have purchased forty years ago but which now are commonplace expenditures. Indeed, I suggested (or at least implied) that there was no real reason to ever use services such as a lawn service because most domestic services we could and should handle on our own. [...]

People frequently ask me why I’m so committed to living without debt. Am I debt phobic? Afraid of bankruptcy? Am I afraid that I’ll get in over my head? Am I just out of touch with “the way people do things these days?” I always answer no to all of these questions. The reason I [...]

A lot of people are realizing that a life without debt is both liberating and safe. It’s something that more and more people are striving for. The problem is, many people who would like to live a life without debt have no idea what that sort of life looks like. They have spent so many [...]

Do you ever stop to consider all of the papers that you receive in the course of your daily life, but which you do not stop to read? Do you read the warranties on every product you purchase and the terms and conditions on every website that you visit? Do you even bother [...]

Part of what has gotten the economy into such a mess is the belief that everyone should be a homeowner. Everyone from the government, to the mortgage brokers, to the banks, to the realtors and the homebuilders thinks that everyone in this country has the “right” and “duty” to own their own home. “It’s the [...]

When you move into a new apartment, you will undoubtedly need or want some items that you didn’t have in your previous apartment. Every apartment has a different layout, different windows, different amounts of storage space, and other subtleties that can invoke the desire to buy something that solves a problem—whether it’s a new couch [...]

The business section of the Denver Post included a bit about Fannie Mae signing interim rental contracts with tenants of properties their landlords couldn’t pay for. What does this tell me? A renter doesn’t know the financial position of their landlords. It used to be that was a just fine arrangement, but maybe it [...]

Generally, I don’t do New Year’s resolutions. I tend to decide to do things throughout the year and then just get on with them. New Year’s resolutions come with to much pressure and they’ve always seemed forced to me. So I tend to avoid them. But this year is different. I have one New Year’s [...]

You’ve already heard that owning a home can be a great way to build wealth and financial security and that there’s this mysterious thing called “pride of ownership” that makes it enjoyable to mow your lawn even when it’s 100 degrees outside. But the seemingly small benefits of living in a house that’s all yours [...]