debt | chocolateonfire.com

The Debt Payment Quadrant

Attack your debt like it stole your bike. Seriously, you have to attack your debt from multiple angles. Often, we focus on one quadrant...

Tips to Winning the Refinancing Game

The average American gets a new mortgage every 3-5 years. For the past 10 years, we’ve been part of this average by buying three homes...

We Did It, $2 Million and Counting (Jan 2021)

In just about six years, from 2015 to 2021, We’ve been able to more than double our net worth. Mrs. Chocolate likes to say it’s paper...

Why Your Car Is Keeping You Poor--Part II

Part II looks at the investment portion of the story. To get the back story, Read Part I here. Is having that BMW or Mercedes worth you...

Why Your Car Is Keeping You Poor-Part I

The New Car Smell What kind of car do you drive? Your car may say a lot about you, but what you don’t want it to say is that you wasted...

How a Credit Card Balance Transfer fiasco led me to Dave Ramsey

Here we are in Barcelona, sitting in our hotel room, just before heading out to dinner when I got an email that our balance transfer to...

Ten Steps to Building Wealth

I hope to teach you how to use your income so that you can make it grow to millions. You will learn to make your income work smarter and,...

Budgeting 101 for someone trying to get out of debt

The first step of wealth building is to have a workable budget that will get you to your financial goals. Without a budget, you’re...