Archives For get out of debt fast

128 DSR – John From NYC – Interview

September 6, 2013 — 2 Comments

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life is short
Life is short, you only live once. Why not live free?

“Plastic has wings to fly out of wallets and purses and mannequins in a store front window get more looks than artwork in the Metropolitan Museum of Art.” – John from NYC

Consume – to use up or destroy as in fire. Cancer.

Q: If you could change one thing about money, what would it be?
A: Eliminate interest charged in lending.

Give us a call on our voicemail feedback hotline at 615-200-7189 or drop Greg an email at:
greg [at] debtshepherd [dot] com

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In credit, Interviews, Psychology , ,
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127 DSR – I’m Asking For Advice

August 31, 2013 — Leave a comment

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advice_for_web

Listener appreciation – John from NYC sent us an email.
Rebecca from Germany sent us an email and some voicemails.

Mortgages –

I owe $64k. Have ability to owe $54k now and $44k in a yr.
If we prepay principle balance we can be mortgage free in 3.5 yrs.
Wife will retire in 2-3 yrs.

Do we stay and pay down the mtg? or
Do we move and borrow $100 to $125k?

Here – clean, safe, quiet. Pmt less than $800/mo.
2 BR – 1.5 BA, 1,200 sq. ft. condo

There – clean, safe, quite. Pmt same
3 BR – 2 BA, 1,300 sq ft. / .50 acres, fenced yard, add 40 min. to work commute for a total of 1 hr. drive to work each day.

Give us a call on our voicemail feedback hotline at 615-200-7189 or drop Greg an email at:
greg [at] debtshepherd [dot] com

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In Get Personal, Mortgage , ,
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126 DSR – Sameness Disguised as Variety

August 23, 2013 — Leave a comment

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The Sea Of Sameness

Strip malls
Restaurants
Retail stores
Travel across America what do you see?

Cut and paste capitalism. Purely profit driven. Maximum profit, minimum creativity. “Starbucksification” as Tom Hodgkinson puts it in How to be Free

Thinking you have selection makes you feel powerful and free.

Is thinking you need wide selection in order to feel powerful and free a sign you don’t feel powerful and free in the first place?

“Fashion is an attempt to decorate our own inauthentic lives.” – Michael Tsarion.

You want to be different in appearance, stand out from the crowd. Why the need to be noticed? To what end? I want you to see me, accept me. I want to be noticed but left alone. I’m over here, but don’t ask me to be responsible for anything.
Do we just want to be acknowledged? Justify my existence?

Acknowledge yourself.

——————————————–
“Starbucksification” as Tom Hodgkinson puts it in How to be Free

Starbucks was losing money. They shut down stores for a few days for training. Problem? Quality suffering, customers unhappy, profits falling. Why was quality suffering?

People wanted it faster, Starbucks was trying to deliver. Quality suffered. Anytime you speed things up you get hurried and give less of yourself to the task at hand. You dilute purity/potency in an effort to sell more stuff. If you want it faster, you get hooked on faster. It takes more to stimulate you. You feel empty. Search outside for remedy.

Sameness Disguised as Variety.
Different as people AND equal at the same time.
We Are All One (Sameness) Showing Up As More Than One (Variety).

Resource:
How to Be Free – by Tom Hodgkinson

Chapters:
Cast off your watch
Stop Competing
Escape Debt

Give us a call on our voicemail feedback hotline at 615-200-7189 or drop Greg an email at:
greg [at] debtshepherd [dot] com

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In Psychology , , , ,
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125 DSR – The Problem With Screens

August 18, 2013 — Leave a comment

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fuzzy-tv-screen

TV screens. Computer screens. Phone screens. Movie screens.

Quote:
“By parading a stream of other people’s lives in front of us, screens remove the responsibility to create our own lives. We watch other people doing things instead of doing them ourselves. This makes us radically powerless, and powerlessness leads to anxiety. And anxiety leads to shopping. Shopping leads to debt. Debt leads back to anxiety.” – How to Be Free by Tom Hodgkinson

Observation:
Western consumerism teaches you to live vicariously thru others. To live vicariously thru your possessions. If you buy first, then you will feel, experience, be.

Definition:
Vicar = representative, deputy, or substitute; anyone acting “in the person of” or agent for a superior.

Example:
The Vicar of Christ.
A religious term, thought system word, gatekeeper word. Slavery.

Two Sides:
The dumb animal side
The smart mind side

Give us a call on our voicemail feedback hotline at 615-200-7189 or drop Greg an email at:
greg [at] debtshepherd [dot] com

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In Psychology, Technology , ,
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124 DSR – Love & Money: Friend or Foe?

August 10, 2013 — Leave a comment

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Love & Money

Love & Money
Are they friends or enemies?
Do they work together or fight?
Are they kindred spirits or total opposites?

Love = energy, attention/intention
Money = energy, attention/intention

How much time do you spend pursuing money?
Thinking about it? Using it? Dreaming about it?

How much time do you spend pursuing love?
Thinking about it? Dreaming about it?

Options:
Less money, more time.
More love, less anger.

Give us a call on our voicemail feedback hotline at 615-200-7189 or drop Greg an email at:
greg [at] debtshepherd [dot] com

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In Money, Psychology, Spiritually Speaking , , ,
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107 DSR – Ugly Math

May 6, 2013 — Leave a comment

calculator

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Title pawn loans, pay day loans, rent-to-own. They all practice what’s called Ugly Math. You pay ridiculously high fees and rates of interest.

In this episode I sit down with Oscar Smith and we discuss what ugly math is, how to avoid it, and why it’s important. Oscar and I are working to make ugly math a weekly episode.

Resources:
Oscar Smith

Give us a call on our voicemail listener feedback line at 615-200-7189 or drop Greg an email at:
greg [at] debtshepherd [dot] com

There is no need to copyright truth

In Education, Money, Psychology, The Basics, The Economy , ,
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103 DSR – Rebecca from Germany – Interview

April 20, 2013 — Leave a comment

German_Flag

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In this 103rd episode about personal finance, I talk to Rebecca from Germany. She shares her insight about debt elimination and what it’s like in Germany compared to The United States.

Interview questions:

Who is Rebecca?  Tell me about yourself.

What got you interested in learning more about finances?

When did you decide to make changes?

Where do you see yourself financially in 5-10 years?

Why do you think so few Germans understand personal finance?

Resources:
coursera.org – Fundamentals of Personal Financial Planning
Dave Ramsey

Give us a call on our voicemail feedback hotline at 615-200-7189 or drop Greg an email at:
greg [at] debtshepherd [dot] com

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In Education, Interviews, Motivation, The Economy , ,
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101 DSR – How to Find Extra Money in Your Budget

April 12, 2013 — Leave a comment

Magnifying Glass

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Looking for a little extra money each month? Who isn’t, right? Before you look at a part time job, work more hours, or ask for a raise take a look at your household expenses. Is there any money leaking out? In other words, are there some things you could stop spending on and not go into cardiac arrest as a result?

I recently shaved $130 off my budget by making a few small changes. You can too.

1) Switched car insurance. Cut my cost in HALF. No decrease in coverage, same deductible.
2) Discontinued an E-zine subscription. I still get the news story headlines and overview.
3) Cancelled subscription for internet radio. I still get air time of 30 min/day instead of 2 hrs.
4) Cancelled a satellite radio subscription. Had two radios, now we share the remaining radio.

Grand total in monthly savings? $130. I just got a raise. That’s money that was being paid out that is now staying in my pocket. What’s the bid deal, $130/mo? Let’s see what you could do with that money:

1) Pre-pay a $100k mortgage. Pay it off about 7 yrs. faster. Can you say early retirement?
2) Make a car payment for some wheels you really need.
3) Pre-pay that student loan that’s been following you around like a bad odor.
4) Start a small business.
5) Save the money.

We’re talking about repurposing some money. Decrease what’s going out and put it to better use. Absolutely nothing in your spending plan that can be adjusted? Really need more money to get something going? Then explore a part time job or work more hours at your current job.

Resource:
Dan Miller – 48 days

Give us a call on our voicemail feedback hotline at 615-200-7189 or drop Greg an email at:
greg [at] debtshepherd [dot] com

There is no need to copyright truth

In Education, Money, The Basics , ,
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