Nature of this site:

Due to its nature as a blog, the content, thoughts, perspectives, and comments are constantly changing. The views expressed in my blog posts are my own opinions and ideas. My opinions don’t reflect the opinions of any organization I work with or am an affiliate for. I’m not a spokesperson for any of these organizations.

Terms of use:

The information presented on this site are updated and accurate to the best of my knowledge but there may be errors, omissions, or mistakes.

Opinionated Content:

Don’t rely on my posts, experience, or information as advice. This blog is for informational and entertainment purposes only and shouldn’t be used as advice in any way. If you rely on my site in that regard, it’s at your own risk.

I am not a financial expert and I haven’t had any formal training about personal finance. I only share information based on my experience, research, and opinions, with the hope to help people get out of debt and make smart financial decisions.

Again, I want to reiterate that I’m not a professional. I’m just a teacher sharing my experiences and opinions to help others get out of debt. Please don’t take any information presented as advice.

Reservation of Rights:

As the owner of this blog, I reserve the right to change how this blog runs or the content focus at any time.  

Affiliate Links

Some articles may contain affiliate links. This means that I am being paid by this site for many possible reasons including, but not limited to:

  • users visiting a webpage by clicking a link on this site
  • users signing up for services through a link on this site

Clicking these links or signing up for services has no additional impact or cost to you. It simply results in me getting paid by the company, which helps me keep making this site better!

Please email me with any questions or concerns. I try to respond within 24-48 hours, but sometimes it takes me a smidge longer. Please have grace and be patient with me 🙂


Thanks for all of your support!

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