In Part 1 of my get out of debt post, which is actually Part 3 of the Spend Less Have More Series (confusing, huh?), I outlined exactly what I've done to reduce my own debt by 67%. In this post I'm going to explain how to stay out of debt and how to...

I've saved the best for last. This one is a long-term strategy, but it also has the best bang-for-your-buck. If you really want to save money, you need to 1) rid yourself of your consumer debt. And 2) keep it that way forever! When I say consumer...