Dear Friend,

Getting out of debt and staying out of debt is a financial marathon. It will take discipline and dedication to reduce debt.

The first step is to determine when you can expect to be out of debt.
This date is called your Debt Independence Day.

Create a Spreadsheet

I encourage you to create a spreadsheet program that will list you debts, interest rates, and current payments that will calculate your Debt Independence Day.

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Online Calculator

Faithful Finances offers a service that allows you to chart your debt, earn awards for reducing debt, receive encouragement from friends, and discuss personal finance topics in your own private forum. When you join Faithful Finances you will also have access to the custom calculator that will help you determine your Debt Independence Day.

All these services are included in your monthly membership of $1.95. Learn more here.

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After finding your Debt Independence Day,
pledge to share that date publically.

I hope this site enables you to live humbly, stay away from debt, and give generously.

Respectfully,

Eric Swanson
Lifestyle Coach
Faithful Finances