The first year of my debt free goal is officially completed. I have one year left to get completely out of debt and I must say, I am excited for the challenge.

I have $51,322 of debt left. I really believe I can pay it all off by April 2009 if I keep working hard and shoveling all of the income above our bare minimum expenses at it.

I was watching Dave Ramsey on television a few nights ago and he said to pay off our debt like our lives depended on it.

That really struck me. I plan to do that exact thing. This is my main focus. I stopped almost all of my outsourcing for the time being and am doing pretty much everything myself.

Once I am debt free I will be able to relax a bit more with my business and outsource a bit more. Thank goodness I will be getting that economic stimulus check this month, which 100% of it is going straight to the debt.

I have been doing more freelance work such as making videos for people to make some extra cash to throw at it as well. So you should be seeing my debt numbers dropping dramatically over the coming months and I am so happy you have joined me on my journey.

I was asked to review a different credit card website and thought it was the perfect opportunity for me to talk about something I wanted to discuss anyway.

We have all probably been tempted at one point or another to start putting our business expenses on credit card. It can be so convenient to get those articles ghost written or get another website set up without waiting until payday.

With all the different credit cards for fair credit out there and available on Request Credit with fantastic promotions and introductory low rates it would seem quite silly not to participate.

The only problem with putting your next website project on your Visa Card is something that most people overlook and that is risk.

What if your project doesn’t pan out as well as you had hoped and suddenly you got a large credit card bill with no money to pay it off?

Suddenly you find yourself in debt. If you do choose to use a credit card for your business endeavors make sure you have the money in your checking account to pay it off before you even charge it.

Be aware that even though you may say, “Oh I will pay it off by the end of the month.” Things can happen that will derail those plans.

Plus, people spend more when they use a credit card compared to cash because it doesn’t hurt as much to spend the money.

Keep all these things in mind and be wise in your finances. You don’t want to end up $72,900 in debt like I did. Please post your thoughts about charging business expenses.

I have a project I have been creating on the side that I am really excited about. It is called Debt Free Weirdos and it is a community for people who are working to become debt free and live a debt free life.

You can keep a blog, post in the forum or start a group. I am so sick of debt and how much it holds people back in every aspect of their lives. Financial freedom is within everyone’s reach and I wanted to put a support system in place for us all to uplift and support each other towards that goal. Come check it out when you get a chance. I would appreciate your support in spreading the word.

Since I was already in debt and pledged to not add any more to it no matter what the circumstances I have been building up my online business without using any debt what so ever.

So how do you get started when you have no money to spare? Simple, by doing everything yourself.

That means, you are the article writer, the website developer, the advertiser and promoter. You are the researcher, you are the creativity. Read more »

I am happy to say that our Christmas was debt free! Not that we are out of debt (I wish), but that we didn’t go in debt for anything. Each of our children got one nice present and they are more than happy with that. They got other little gifts from relatives and grandparents. It all turned out very well and the children are loving their gifts.

It is so nice to have the holidays without adding any stress of credit card bills or debt added in. I look forward to a debt free 2008.

It is not very long until Christmas and of course the end of 2007. Now is the time to start thinking about those New Years Resolutions. On my list I have:

1. Build my income up to six figures by July.

2. Lose my pregnancy weight. Yes, he is already 5 month old now, but a lot of the baby fat still lingers with me.

3. Eat healthier and actually start exercising.

4. Get out of DEBT!

On the not so good note, this week we discovered that our almost 3 year old is autistic. It is partially why I haven’t been posting on my blog much, I have been feeling a bit emotional.

I now know that I need to kick things into gear so I can get out of debt and have enough passive income coming in to be able to spend more time devoted to him and his needs. That is my ultimate goal for 2008.

NOTICE: I decided I cannot part with my blog or my readers. It isn’t right. You get to keep boring old me permanently. *Wink*

I am working with a very very tough decision right now. Getting out of debt is very important to me and it is really starting to weigh heavy on my shoulders. Read more »

I just put up my new header. I would love to know all your opinions on it. The woman on the left is meant to represent being under the burden of debt (that is what the ball and chain is) and the woman on the right is debt free and making money online. Read more »

Sure there are opportunities to make a lot of money online, but they are far and few between. It takes a lot of work, a lot of hours and a lot of doing the same thing over and over again to make a good income online.

I currently spend 10+ hours a day working on my online business. I wake up really early in the morning and stay up really late at night. When I calculate it per hour, I could probably be making more at a regular 9-5 job. Read more »

I wanted to tell a little bit more about how I got to where I am as far as making money online. First of all, I am in debt for really dumb reasons and am paying a price for my past mistakes and cleaning up my financial mess.

Is it embarrassing? Yes it is, but putting my debt out there puts me to action because there is no way to ’sweep it under the rug.’ Read more »