Freedom Debt Relief Reviews Top Personal Finance Life Rules

In today’s unstable and unpredictable economy where many see flat wages and limited upward mobility, money stress is one of the most common forms of stress faced by Americans today. Managing money is difficult and can require a lot of jostling of priorities in the best of times, but when wages are stagnating and tons of advice that contradicts other advice, it can seem downright impossible to understand finance in the modern age. Freedom Debt Relief reviews tons of advice guides and how-to’s in order to distill the best financial advice possible for their customers.


Even in an unpredictable economy, there are some things that you can do to help bring your finances under control and get on the path towards financial security. The tips and tricks that Freedom Debt Relief reviews here are by no means the only best practices or good pieces of financial advice. However, these are tried and true methods of managing your finances and to help put yourself on the right path to eliminating debt or increasing your financial security.

Earn More, Spend Less

It might seem obvious for Freedom Debt Relief reviews to focus on spending less than you earn, but like the old “diet and exercise” means of getting in physical shape, spending less than you earn is still the surest way to save money and get finances under control. Whether you are setting up a budget for how to live within the means of your current salary, or you are up for a promotion, if at all possible, budget as if you have less money than you really do. Spending less than you earn is the only way that you will be able to save and come out ahead and it is one of the most important parts of financial security.

Institute a Waiting Period for Large Purchases

There are big ticket items that we will have to buy every now and again and there is nothing wrong with spending a large sum of money on something that you need. However, in a lot of the advice Freedom Debt Relief reviews, readers are urged to enact ways to help them avoid making big purchases that they can’t really afford. Turns out a lot of people make purchases that they later feel guilty about, that, had they taken a bit of time to think, they would have realized they couldn’t afford or didn’t need. This is why a 24-hour waiting period on big purchases is recommended. This will give you time to think about the purchase and ensure that you are making the right decision before spending the money.

Treat Savings Like a Bill That Has to Be Paid

Saving for a rainy day or for our retirement is something that seems so easy to put on the proverbial back burner. These are far off events that many of us feel that we can get away without attending to, but Freedom Debt Relief reviews of solid financial advice indicate that this is an incredibly short sighted and financially dangerous plan. Too many people have little to nothing in savings, meaning that a small emergency could leave them broke and unable to meet one’s daily needs. Now is the time to save, even if you think you can’t afford it. One way to help ensure that you contribute to savings or retirement is to treat savings or retirement like it is a bill that you have to pay every month.

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100 thoughts

  1. “Earn More, Spend Less
    It might seem obvious for Freedom …” (I copied from yours)

    I think that way is still the best and continue to require its own tips and in accordance with the conditions of each.

  2. My family falls into the lower middle class category. I shop at thrift stores, and yard sales, and sometimes on Craigslist, for practically EVERYTHING (including Christmas and birthday gifts!). My home decorating scheme is “used furniture/decor/linens/rugs/etc that look good, but will never get me on the cover of Good Housekeeping.” My two married daughters do the same, and my youngest and I love to go to thrift store and yard sales for fun. We have chosen a simple life. My husband & I have plenty of time to spend with our daughters and their families. I will never travel to exotic places, I will never be trendy, I will never have a huge house in an upscale neighborhood…, but I am HAPPY! I LOVE our simple life, and I count my many blessings every day! 😌

  3. Thinking “do I really need that or it’s just a momentary wish”, would help saving more than a few pennies in our wallet…

  4. Meaningful tips Ula. Always good to be reminded. I usually cary a list of the things I need to purchase. If I see something that I like at a good price and if it’s on my list I will get it. But if it’s not on my list then I wait at least seven days before buying it. Very often, I then don’t even want the item no more. This does requires some discipline but it works for me.

  5. Hello !
    I do not know if you saw my last article, but I nominated you to the Sunshine Blogger Awards!
    The principle is simple and fun.
    I’ll let you go, and I can not wait to see your article …
    Kisses ! 😘

  6. Nice post! I had heard that in order to save money there was the so-called 30-day rule: if you wanted to buy something that you really needed it and want it then you had to put it in the wishlist and wait 30 days .. if after this time you still wanted it then the purchase would have been “right” .. I tried to do it and I must say that it works!

  7. Hey simple Ula! I apologize for being late, but I’d like to thank you personally for following my blog recently! I’m really happy you chose to become part of the “All the places she goes” family. Thanks again for your support!

    xx, Shreya❤️

  8. Really a nice post! currently I had a problem in my debt recently and these tips will definitely help me. Thank you for crafting this great article Simple Ula.

  9. I like your number 3. I also usually think of savings first, so I use this mathematical formula: SAVINGS = Income less Expenses. Put another way round, I put aside and secure the amount for savings, then I live with what’s left. Just sharing…

  10. Great post! So true, money seems to be like 80% of everyones stres… Those are definitely the non-negotiables in managing money right. Thanks for posting 🙂

  11. Almost all your posts are really inspiring and thought provoking. There are many points closely related to my personal life. Actually am not in a position to comment on your posts because they are excellent and I just admire your knowledge and practical vision about life. Thank you.

  12. Thank you for sharing the article and information to us. I’ve just been searching for info about this topic for a long time and yours is the greatest I’ve found out so far. Good piece of information really enjoyed reading it.

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