Finances are one of the most complicated things in many people's lives ... and yet, they don't have to be. With a little effort, you can simplify your financial life and end the money headaches most people face.

I consider myself a minimalist. As such, I shy from all kinds of complexities. I look for ways to simplify. I like worry-free solutions — I like to forget about it, so I can focus on things that are more important to me.

Here's how I simplified my financial life: Continue reading...

Most of the time, the standard advice about debt elimination is to pay it off incrementally, over a period of time. We're advised to be patient, and to hold on tight until the day comes when we pay off our debt.

That's good advice, and I endorse it — however, many people have trouble doing things gradually. For them, I suggest trying to do debt elimination in bursts.

I'm a gradual person myself, but there are times when long-term goals are difficult for me. I know how intimidating it is to see a huge debt burden staring down at you, and when you calculate how long it will take to pay it all off, you have two or three years ahead of you. Continue reading...