Financial Security

3 Strategies To Envision Your Way To Debt Freedom

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Quite fittingly, the newest book I’ve started – Generation Earn – mentioned Digerati Life under the “Job Juggling” chapter for Gia’s accomplishment in turning her part-time hobby into a full-time gig.

A well-known personal finance site that writes about smart money moves, Digerati Life’s offer to write a guest post was a much welcomed email. Enjoy the post!


Vision is defined as the ability to see. In another definition, vision is defined as foresight, or the ability to see beyond the obvious and beyond the circumstances. According to Dr. Myles Munroe, a motivational speaker, “vision is the source and hope of life.” And is “the greatest gift ever given to mankind.”

That sounds nice and maybe even a little over the top, granted that this is a description that’s offered by an evangelist (it’s his job to inspire, after all). But let’s look at the message here: what does vision have to do with gaining freedom from debt? Would vision be able to eliminate it? Well, you won’t be crediting vision for paying your bills. But thanks to this, you may be empowered to think clearly and to stay on track when pursuing your debt elimination efforts.

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Stocking Up On Household Goods For FREE

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For the past few weeks I’ve been laid up with two different, but related back muscle injuries. Constantly pushing myself, I had a minor strain during a long run. Instead of resting then, I spent the remainder of the weekend moving furniture and continuing to train. So now, I’ll be skipping the Marine Corps race (10k, not the marathon) this weekend and letting the wife run it alone. Things have gotten a lot better though, and we went indoor rock climbing last night, but I just don’t think I can manage the race *and can’t allow a so-so time :).

During this time, I’ve been using a fair amount of heat pads. In need some of more, I recently stocked up on them along with lots of cold medicine. The best part of all – everything I got was… FOR FREE! These aren’t trial sizes either; we’re talking regularly sold products.

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How You Treat Your Goods Could Reflect How You Manage Money

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Preserved Red BarnDisposable. It’s a word used far too often in describing items we view as single-use and easily replaceable, like disposable utensils or razors.

Reduction in material quality, craftsmanship, and of course, labor rates has super-charged almost all durable goods – making them readily available and extremely affordable. As a result, we’ve grown out of the smaller disposable items like diapers and napkins into larger products like toasters and microwaves.

Hard to believe for $10 you can buy a toaster. For that small cost, it’s not “worth” the time to fix a broken one and instead we default to buying new, allowing the product to become disposable. Once that happens it’s near impossible to realize the product’s full potential. We’re constantly replacing the item before we squeeze out all of its usefulness.

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6 Ways To Save On Electricity Bills

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Saving money is on the top of everyone’s minds these days. Between job losses, benefit losses, and the rising cost of just about everything it is easy to see why many people are seeking out new ways to save money. One of the first places that you should look for savings is in your own home and your electricity spending. Most people can cut their electric bill significantly by making small changes that cost nothing or very little. If you have some money to spend there are a few big changes you can make that will cut costs and earn your money back for you in short order.

  1. Unplug things you do not use – Every item that is plugged into an outlet is drawing power, even if it is switched off. Go through your home and unplug everything that is non-essential. Lamps, clocks, televisions, coffee pots, and toasters should all be unplugged when they are not actually being used. You will be shocked to see how many of those items never get plugged in or only get plugged in on rare occasions.

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