It was once the American dream to live in a nice house with a picket fence. Now, the American dream is to live a debt-free life. With a bit of planning you can not only achieve this goal, but go beyond it so you can enjoy treats and travels guilt-free thanks to your own budgeting. The question is where do you begin? You might not want to face your stack of bills, but believe me they're not going to go away if you ignore them. Arm yourself with a calculator, checkbook, pencil, and graph paper (or spreadsheet) and get ready to defeat the enemy named debt. Make a list of all your bills … [Read more...]