Financial Ruin Is Not Empowering

If you think your finances are entirely ruled by careful consideration and freewill, riddle me this: Why does consumer research show the exact opposite? Why do marketing budgets show the exact opposite? Why are lenders making serious cash hand over fist? The emotions behind spending are complex, and a shift in technology and communication means…

The Map To Riches

Do you know where your money is going, from the time it comes into your life to the time it evaporates into thin air? (A short time, in my case!) I was inspired by Apathy Ends and Budget on a Stick to create a map of my money – where it goes, how it’s spent,…

Book Club: Broke Millennial by Erin Lowry (September 2017)

If you’re interested in reading books about personal finance, you came to the right place! September will be the launch of an online book club for personal finance lovers, right here at Debts To Riches. Thanks to @debtconscience for the suggestion! Next up on my to-read list is Broke Millennial: Stop Scraping By And Get Your Financial…

GAH! (Gamify, Automate, Habitify)

What is the most efficient path to sustainable behavior change? Die-hard willpower devotees will tell you to suck it up, flex your will muscle, punch yourself in the face, and crush your goals through sheer strength of mind. Me? I don’t believe in willpower. Do you? Let’s try an experiment. Why don’t you go open…

Save Money The Painless Way (No Budgets!)

I’m sure by now we’ve all read an infinite number of articles about saving money. The standard cut your cable bill and stop eating out so f*cking much is still great advice, but what if that doesn’t work? The math is simple, but that doesn’t help the majority of us if personal finance is largely about…

Track Your Way To $0 Spending

In January, riding the high of New Year’s Resolutions, I decided to tackle my meals out budget. Reviewing my 2016 numbers, I realized I had been spending an average of $290.12 per month on fast food and restaurants! Not. Good. To cut back, I knew I needed to trick myself into not spending money. I’m…