debt-free

It’s 3 AM. Do you know where your money is? You and your partner have decided to buy a house, and your fear is that your credit report will show a bankruptcy you never mentioned before getting married. Or, your long neglected student loan is learning to play the violin in case you have to resort to becoming a street musician for extra cash. …

Playing Debt Hide and Seek with Your Partner Read More »

When I was a mortgage broker in 2005, it was a common practice to bundle homeowners’ debts into their refinance or their purchase. The rationalization was that a person could start fresh, with zero unsecured debt, and stay that way. Some of the lenders even made that criteria in providing the loan to the homeowner. It sounded great to me ten years ago when …

Don’t pay off your debt until you read this! Read More »