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I write honest articles about making intentional choices in personal finance, living debt-free, and paying off debt to gain financial freedom.

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Substack
PricingOnly free issuesPublishesWeekly
Issues36Founded6 months agoLast Issue7 days ago
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Latest Issues

Is Debt Payoff Making You Bored? A Couple of Tips.

One of the more difficult aspects of paying off debt is knowing you can’t go out, but still need something to pass the time. Life can get monotonous and downright boring at times. I will provide a few ideas for maintaining sanity while stil...

7 days ago
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The Latte Debate...

I have been reading and consuming enough Substack Finance articles and notes now to notice that everyone seems to discuss whether a fancy latte hurts your personal finances, or if it's a nice treat that's okay. The discussion will take a fe...

14 days ago
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Another Contentment Discussion

Contentment is something I often discuss. Contentment is not meant to deprive anyone of desires. It is not meant as a punishment or the denial of material things. Real contentment moves past the emotional state - it is the discipline to kno...

21 days ago
5
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Support Honesty-First

Message to all: I write my Substack for a very simple purpose: to help those who want to live debt-free, get out of debt, or simply discuss life in general.

All my articles, notes, and chats are free. Paid subscriptions are not required to...

25 days ago
2
1

Value is not just...

It has now been just over a year since I stopped working full-time. I retired from my career in IT and started a degree. I write in this publication, and I love it. The growth of my publication has not been as fast as I would hope, but I th...

a month ago
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  • Honesty-First Personal Finance

    Let’s talk about personal finance and everyday life—no jargon, just honest ways to improve your money habits through simple, daily actions. Create a life free from debt, and freedom will follow.

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