About This Site

My name is Vinny and I started this site as a favor to all the people that were once in my shoes.  I used the credit card for almost everything. Once I made the switch to buying only what I could afford at the time my life changed. If you think you are the only one that has debt look at this stat.

Did you know that the average person owes $8000 when it comes to credit card bills. That’s right you are not alone in this uphill battle. When I decided to get seriously put an end to my debt I was up to $25,673 dollars in debt.

I just got tired of paying the debt down every month only to see the bills stay the same dollar amount. When you get in debt like me all you are doing is paying off the finance charges and not making a dent in the actual amount that you owe. At the rate I was going it was going to take 107 years to pay off my debt and cost me over $100,000 on stuff I didn’t even have anymore. Talk about a waste of money.

This madness just had to end, between paying my rent and the credit card bills is was hard enough just to get by. I am sure someone that has read this has been in the same situation and I feel for you. Here is how my situation changed.

How I Eliminated My Credit Card Debt

I was at the airport of all places waiting for my flight to leave I walked over to the airport bookstore to grab a magazine for my flight. While looking through all the sports magazines I stumbled across a book. The book was written by a guy named David Bach who I never heard of and the book was called “The Automatic Millionaire”.

I know what you are saying a book got you out of debt? That answer is a resounding NO. I got myself out of debt by reading a book that was easy to read and apply. The word Apply being the key. I had never heard of this guy before but his advice was easy to follow. David has written a few books and has been on Oprah Winfrey many times as well as almost every other financial TV shows around. His feature on the American Debt Diet is one of the most important shows he has ever been on.

David has changed my life and you will see some advice that I have learned from him but the best thing that you can do is get his book. He has one for almost every situation.

This site is a tribute to common sense – Hope it helps you as the lessons have helped me.

Vinny