I am a business school graduate with an M.B.A. in Management. I operate a small web-based online private journal and I am passionate about personal and business financial management and living a debt free lifestyle. I have been happily married to my lovely wife, Dr. Misty Cecil, for nine years and we have no children at this time.

I recently decided to set down and try to figure out how I have come up with extra cash in the past without having to work extra hours, take on a second job, or partake in any other laborious activity...

We have all heard that financial trouble is one of the leading causes of divorce.  So, it is pretty obvious that there is little or no sex in these financially strapped households.  What exactly repla...

I recently wrote a complete list of the things I wanted to do before I die.  I recorded them in my online journal so I can view them anytime I want.  Since I have written my list, I have already done ...

Finding extra money to payoff debt can be the most difficult task.  But, this statistic I recently heard can certainly make a dent in those pesky debts.

Read this example of Joe Smith, who has accumulated $682 per month from four miscellaneous debts, totaling $17,300.  It shows how Mr. Smith started out by efficiently budgeting an extra $50 per month ...