Conquer Debt
Welcome to the Conquer Debt section. Here you’ll find solid strategies for getting control of your debt and using credit wisely. Scroll down and take a look!
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Short on time? Start with a quick video.
We are bombarded by “easy money”. Advertisers want us to spend, spend, spend…even if we can’t afford it.
We need to think differently to get out and stay out of this trap. Get started with this quick video.
(Length: 1 minute)
“Too many people spend money they haven’t earned, to buy things they don’t want, to impress people they don’t like.”
–Will Rogers
Easy Steps

Learn More

- Take a quiz to test your knowledge about credit
- Learn all about debit cards, credit cards, payday loans, home equity loans and more in All About Credit online course
- What to do when you need more help: credit counseling and bankruptcy
- and more . . .
More about Conquering Debt

Unfortunately yes, but it shouldn’t be. In the past, before credit cards existed, spending decisions used to be black and white. Back then, we either had the money to buy something, or we didn’t.
So we couldn’t spend more than we have. Those of us really old folks may remember “layaway”, which was the closest thing to it. But even with layaway, we still couldn’t get the thing we wanted until we paid for it in full.
Fast forward to today: It is very easy, too easy, to spend more than we have. To spend tomorrow, today. This magic time machine is called credit and it’s everywhere. It’s hard to ignore. We’re told by a billion dollar company to “Master the Moment”.
Problem is, when we get tomorrow today…then we spend tomorrow paying for yesterday. Our future is spent paying back the extravagances of the past. Tomorrow is full of stress worrying about this monkey on our back: debt.
When we have debt, our money is not working for us. Instead, it’s working very hard…just for someone else!
Remember what we learned about compound interest?
Debt is the polar opposite of earning compound interesting. Our debt is instead going up, at a compounded rate!
We end up having to work more to pay off things that are sitting in our driveway, sitting in our living room (TVs) or hanging in our closets, or things that may not even be around anymore (restaurants, rounds of drinks, expensive vacations).
Whatever we are paying off is most likely worth far less than what we are paying off.
“Compound interest is the eighth wonder of the world. He who understands it, earns it … he who doesn’t … pays it.”
–Albert Einstein
First, know that you’re not alone. The vast majority of Americans are in debt. It’s not good.
In fact, it’s toxic for our health and our future.
In this section you’ll get a roadmap to conquer your debt once and for all.
You’ll also learn about different ways of doing that, and how to use debt intelligently when it’s needed.
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