By Jeff Nickles

Are you interested in being debt free?

There are certainly some nice advantages to living without owing anything on credit cards or car loans.

Growing up, I thought borrowing money to buy things was just what adults did.  It never even occurred to me that it was possible to pay cash for everything.

However, a few years ago, my wife decided we should become debt free.  Since then, we’ve paid off all that we owed with the exception of our mortgage.

How We Got to Where We Are in Life

As I said, technically, we aren’t completely debt free.  We still have a first mortgage, but we don’t have any credit card debt, automobile loans, department store cards, lines of credit or second mortgages.  The only regular monthly bills we pay, besides our mortgage... More...