Debt Management

As of this time, I feel fairly fortunate not to have gone through any financial crisis. Don't get me wrong, things have been tight from time to time, but luckily I have not been through any situation where I have had to contact a Debt Management company to keep my head above water. I think a lot of my ability to stay out of debt has involved my wife Noelle. She is definitely the better half of our partnership when it comes to money. The main strategy has involved avoiding reckless spending, and paying for things as you go.

For instance, I used to work with a guy named Rob, who used to refinance just to buy toys (snow mobiles, guns, etc) instead of investing it back into his home. This strategy was definitely a poor one, buying wasteful items and going further into debt. Luckily, Noelle and I have been able to avoid this pitfall, mostly thanks to her. :)