Frugal Debt

Debt is something that you want to get rid of as soon as possible. It’s spent too much time sleeping on your couch and eating at your table. No, the best way to treat debt is to kick it to the curb and send it packing. You can step upRead More →

debt to income ratio

One of the effective tools lenders have at their disposal is the debt to income ratio (DTI). They can use this in combination with a credit report and income to get a good indication of your ability to pay back a loan. Beyond that, the DTI can be a handyRead More →

Eliminate debt using the debt-snowball method

Debt is a severe burden that most people suffer. It is more widespread than many people realize. According to a recent Gallup poll, the average American has 3.7 credit cards with 71% having at least one card. So if you have debt, you are not alone. In fact, you areRead More →

Get Out Of Debt

Getting out of debt is one of the most challenging obstacles when it comes to personal freedom. Debt can be a cruel taskmaster, taking any spare money that you happen to have, and sometimes taking the money¬†that you don’t have to spare. The ugly truth is that debt is designedRead More →