Author Archives: Sadie Morris

Bliss vs. Suffering: A Life Without Debt

I’m a big fan of the yoga program “Inhale” on the Oxygen network. The host, Steve Ross, likes to say (when talking about mental health) that, “Psychology is based on suffering. Yoga is based on bliss.” What he means is … Continue reading

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Finding Motivation: A Life Without Debt

I’m frequently asked how I stay motivated to remain out of debt. After all, there are so many temptations and so many fun things that I could blow my money on. People assume that it is hard for me to … Continue reading

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Learning to Love What You Have: A Life Without Debt

One of the best ways to become and remain debt free is to simply learn to love what you already have. It’s human nature to be swayed by the glitter and gloss of new items. You drive past a new … Continue reading

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A Plan For When You’re Debt Free – A Life Without Debt

Congratulations! You paid off that last debt and you’re officially debt free. After the celebration party ends, you’re likely to be confronted with one thought: Now what? You’ve just spent months or years focused on the goal of getting out … Continue reading

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Am I Truly Free from Financial Bondage? A Life Without Debt

I talk a lot about being debt free, but recently this question came up amongst friends: Am I as free as I think I am? I have no debt of any kind, so I am free from obligations to creditors. … Continue reading

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What Counts as Being Debt Free? – A Life Without Debt

In writing this column, one of the things that I see frequently in the comment trail is an argument about what counts as being debt free. Some people argue that debt free means freedom from consumer debt such as credit … Continue reading

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A Life Without Debt: Learning to Live With Fear

A debt free friend of mine came to me this week with an interesting problem. He’s recently been laid off from his job and is living on his (not insubstantial) emergency fund and unemployment while he looks for work. By … Continue reading

Posted in X Files | 12 Comments

A Life Without Debt: Embracing a Different Way of Life

The other day, in a different context, I heard someone talking about “embracing a different way of life”. It got me to thinking about what that oft-repeated phrase really means in relation to a debt free life. When I think … Continue reading

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A Life Without Debt: It’s Not the Same for Everyone

I’m often asked two things: First, how can someone become debt free and second, how does one really live debt free? The people who ask these questions are usually seeking a blueprint; a set of fail safe steps that will … Continue reading

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A Life Without Debt: Valuing the Old

I’m constantly amazed by how little value we place on the older things in our society these days (and our older people, but that’s a whole other issue). I can remember looking around my grandmother’s house and seeing the piano … Continue reading

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A Life Without Debt: Finding Satisfaction in Being Fiscally Responsible

I frequently hear people bemoan the choices they have made when it comes time to “man up” and be financially responsible. They grieve over the vacation they have to cancel due to a layoff. They cry over the kitchen renovation … Continue reading

Posted in Credit Cards, Debt, Frugal, Personal Finance, Saving Money | Tagged , , , , | 5 Comments

A Life Without Debt: Take Care of Your Stuff

One of the ways we’ve managed to avoid debt is very simple: We take care of all of our possessions so that they will last. Making things last longer means we don’t have to replace them as often, saving us … Continue reading

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A Life Without Debt: It’s a Strange Time Warp

I’ve been giving this some thought lately and I’m beginning to suspect that time moves differently for debt free people than for those with loads of debt. Speaking from my own experience and the experiences of other debt free people … Continue reading

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A Life Without Debt: Complacency Is The Enemy

One of the biggest enemies of a debt free life is complacency. Not only is it an enemy, it’s a very sneaky enemy. When you become complacent (apathetic is another good word for this problem) you relax too much. You … Continue reading

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A Life Without Debt: The Debt Free Hobbyist

One of the great things about being debt free is the freedom it gives me to pursue the hobbies I love without compromising my participation because I’m tapped out. I recently got back into photography, something I’d done in high … Continue reading

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A Life Without Debt: Five Myths About Being Debt Free

Most people seem to have a lot of false beliefs about being debt free. They seem to think that those of us who are debt free never have to worry about money, or that we are somehow free from the … Continue reading

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A Life Without Debt: A Different Kind of Judgement

I’m a huge Star Wars nerd and many of my favorite quotes come from the Jedi Master, Yoda. My personal favorite is the following: “Size matters not. Look at me. Judge me by my size, do you? Hmm? Hmm. And … Continue reading

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A Life Without Debt: Surviving the Pay Cut Made Easier

A couple of weeks ago we got the news that the company my husband works for is cutting pay by twenty percent for all employees, for an indefinite period of time. Once I got past the anger and frustration, I … Continue reading

Posted in Budgeting, Debt, Frugal, Insurance, Personal Finance, Saving Money | Tagged , , , , , | 7 Comments

A Life Without Debt: Managing Once a Year Expenses

Those large expenses that don’t occur monthly are a big reason why some people end up in debt. Even people who are well intentioned and good at avoiding debt in other circumstances are often caught by surprise by these big … Continue reading

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A Life Without Debt: Tips for Buying Used

In order to avoid debt, it is crucial that we get the best price and value for our money on almost everything we buy. Over the years we’ve found that buying many items used makes this much easier than if … Continue reading

Posted in Frugal, Personal Finance, Saving Money, Shopping | Tagged , , , , , , | 2 Comments