Welcome to DebtBeater - the blog focused on helping people by example beat their debt and continue on with a debt-free life.

Why we’re here

For about the last 10 years, I’ve been through the good and bad relationships with many kinds of debt. I was completely debt free for some years, and in WAY over my head for most of the others. I’ve finally gotten to that point in my life where there’s really no place to go but up, or else I’m going to hit rock bottom.

My wife and I have dedicated ourselves to making sure we don’t let our crummy financial decisions negatively affect our children’s lives. We’re simply determined to make a plan and stick to it until we make it back into a debt-free environment. Not only do WE need to get our act together for the sake of properly running a family household, but we need to set a positive example for our CHILDREN so they can learn the correct way to manage their finances as well. We’re going to lead by positive example!

Not only that, but I really wanted to get into the habit of documenting our methodology and progress. I want to also share our story with everyone else in the world out there so you can not only see and learn from our experience, but also help each other as a community. The community really forces more accountability as well as giving multiple fronts of encouragement for everyone. 

What’s different

Something that I intend to distinguish between DebtBeater and some of the other personal finance sites out there is the use of actual numbers. I want to give you an actual account of what is going on in my particular scenario to help you best understand what’s happening in our efforts to beat our debt. Anyone can tell you a generic 200-word story about how to get out of debt and become wealthy beyond your wildest dreams. There’s hundreds of places out there that say you need to make a budget and even tell you how to get started. DebtBeater is a place where we’re going to simply document what we’re doing, and share actual spreadsheets that we’re using in hopes of giving you all footsteps to follow instead of pointing at someone wearing shoes.

Also, being a software developer has its perks when entering the web arena as a part-time entrepreneur.  I’ve got some plans for some tools and mini-sites that I’ve yet to see anyone else doing.  I can’t put a time frame on when I’ll actually have something to share just yet, but I didn’t want to wait on starting the blog (or documenting my progress for all to see) until I finished them.  I want to focus completely on the blog for now anyway until I’m comfortable with the setup.

Welcome!

So I welcome you again to DebtBeater. I encourage you to participate, ask questions, and share advice from the lessons you’ve learned and about the debts you’ve beaten.

Feel free to contact me directly if you have any questions or would like more information on DebtBeater. 

Disclaimer

This blog is completely free for all to see and use at their own risk. I am not a licensed finance professional, but have plenty of experience learning lessons the hard way. This blog will likely bring in a small income from some basic advertising, but all income made from this blog will be applied firstly toward the expense of maintaining this site and adding useful features for assisting in debt-reduction and secondly toward my own personal debt until it is completely eliminated. Once that’s completed, we’ll probably throw one hell of a party and give massive numbers of prizes to other DebtBeaters.