The thing I have discovered about working with personal finance is that the good news is that it is not rocket science. Personal finance is about 80 percent behavior. It is only about 20 percent head knowledge.
I believe that through knowledge and discipline, financial peace is possible for all of us.
I always laugh and say I met God on the way up, and I got to know him on the way down. And so, as I'm crashing and losing everything, a lot of people run to God when they are struggling. And I was no exception.
We are all in the business of sales. Teachers sell students on learning, parents sell their children on making good grades and behaving, and traditional salesmen sell their products.
Some people are just stuck in their ways and have been brainwashed into believing that credit cards and debt are an unavoidable part of life.
You don't want to have so much money going toward your mortgage every month that you can't enjoy life or take care of your other financial responsibilities.
There are no shortcuts when it comes to getting out of debt.