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Debt Relief or Tough Love? Rethinking Charity, Financial Freedom, and Giving Back

  Is it a good idea to help those struggling with debt? I read an article about a famous actor from Wales. He bought the debt from his community at a discount to help his community overcome the challenge of credit card debt. If you didn’t know, credit cards will sell bad debt at a discount so that someone else has the cost and burden of trying to collect. They often buy debt for around 10% of what is owed. In this instance the actor bought over a million pounds of debt for around $130,000. He felt it was too hard for people who are using credit cards to heat their home, or buy food, and he wants to help them. In America there is at least one church that buys medical debt. Its the same idea only instead of paying off credit card debt they pay off medical debt. The biggest difference is that medical debt is not something people have in the UK (I don’t think, I’m no expert). I love the idea of a hand up. Often it takes much less than you would imagine to re...

Uncertain Times: Do You Have a Plan to Protect Your Future?

  It seems like a lot is going on right now, do you have a plan? Every time I glance at the news it seems like something terrible is on the verge of happening. Certainly this is by design by the news corporations. But don’t be fooled if you are getting your news from any blogger, (myself included), You Tuber, TikTokker, other social media forums, you are still getting the same scare tactic “news” you get from Fox, MSNBC, CNN or others. It is simply a choice of whether you want to be in an echo chamber. Over all I try to avoid any news and stick to looking a cute cats, puppies, cooking, crafts and incredible people on my feed. But I also enjoy the aggravation I feel when my echo chamber is outraged over one thing or another. All the information can make it difficult to know where to start if you think the economy is going to crash any minute. If you are worried your job will be eliminated, or if you have already been laid off, furloughed, or outright fired, you ar...

Rediscovering Intentional Living: Lessons from a Double Whammy Vacation

  Recently I went on vacation with my spouse. We had two vacations in one, we flew to the east coast to attend a wedding and hang out with family, and then we flew home to get our car so we could enjoy a tent/car camping vacation. Overall the experience was pretty amazing. However, there were things I didn’t take into account before I left. Firstly I didn’t realize how much time away from work I would need. Since we were going to be away for about three weeks I needed a week before we left to organize everything. What everything? Packing for lots of social events surrounding the wedding for example. Packing for a wedding is different than packing to go camping. We had to prep the car for a long drive in varied conditions. We packed the car with our tent, sleeping bags, pillows, camp gear, shoes for different conditions and more. In the end, it ended up being perfect, but also time-consuming so I decided to stop writing for a while to focus on our vacation time. Upon retu...