The journal
All articles
Field notes on debt, budgeting, credit and the psychology of money — from someone who lived it.
Clearing Debt
Signs Your Credit Card Debt Setting You Up For Financial Ruin: Warning Indicators You Can’t Ignore
August 1, 2026
Money Management
Should You Open Credit Card Post Holiday Season? Reasons You Should and Shouldn’t: Key Considerations for Timing Your Application
July 31, 2026
Clearing Debt
Stop Paying Interest Full Year: How to Eliminate Debt in 2025
July 29, 2026
Finance 101
How Much Save One Year Cut Interest: Impact on Your Financial Growth in 2025
July 26, 2026
Clearing Debt
Ways Balance Transfer Helps Manage and Save on Credit Card Debt
July 19, 2026
Money Management
Pros Cons Of Cash Back Credit Cards According To Ramit Sethi: Expert Analysis for Smart Financial Decisions
July 18, 2026
Money Management
Reasons Should Using Credit Cards: 5 Benefits for Smart Financial Management
July 16, 2026
Money Management
Common Misconceptions About Credit Cards: What You Need to Know
July 15, 2026
Clearing Debt
I Paid Off 10K Of Debt For Less Than Owed: Here’s How Debt Settlement Saved Me Thousands
July 14, 2026
Money Management
I Put Every Purchase Possible Credit Card How It Helped Me Grow Wealth: A Strategic Approach to Financial Freedom
July 13, 2026