Welcome! No Debt Plan is a personal finance blog I started in January 2008. My original goal was to explain personal finance topics and where I stood on them to my readers. I found myself explaining the basics such as budgeting and safely using a credit card to many friends and thought there would be a need to share the information online.

I’ve enjoyed moderate success at blogging with hundreds of people getting daily RSS or e-mail updates every day. I’ve been honored to have the opportunity to guest post for several prominent personal finance bloggers as well. This success encouraged me to continue posting as a community slowly starts to form here.

My new goal is to grow No Debt Plan to the point that I can blog full-time. Will I ever reach that goal? Only time will tell.

Who Am I?

My name is Kevin, and I’m the resident blogger here. I hold a Bachelor’s Degree in Business Management and will wrap up wrapped up my MBA in August 2009.

My personal finance education is self-taught. I do not hold any personal finance certifications, nor am I an accountant, lawyer, or financial advisor. I am a debt reduction champion with a passion for showing individuals how to budget. You should always get professional advice before making huge life decisions and the same is true with reading this blog. Don’t do anything crazy just because I say to. I encourage you to do your own research to make an informed decision.

What I Believe

I believe that American education system does an inadequate job of preparing its citizens on money. We unleash high school seniors on the world without any knowledge of how badly they can wreck their lives by opening up that first credit card offer. Our citizens are ignorant of how to calculate interest and lack the basic understanding that you must spend less than you earn to survive.

Thus the aim of this blog is to provide a remedy to this problem. I tackle various topics — budgeting, investing for retirement, buying a home, living paycheck-to-paycheck, and saving money for a rainy day.

Living What I Write

They say you should practice what you preach and I do just that. We have a budget (in Excel spreadsheet format), we spend less than we earn, and we’ve saved up quite a healthy chunk of money as compared to our 20-something peers. We’ve been blessed to purchase our first home at a young age and are experiencing the challenges that come with that responsibility.

All this to say that I write from my experience. I write from what we currently are doing in our finances. I’m not some mythical guru that tells you to do one thing while doing the opposite myself.

I am human, and I make mistakes. I will likely write something that you completely disagree with — and I welcome that discussion.

I look forward to growing with you.

If you need to ask me a personal finance question (on or off the record), or perhaps you are a member of the media and would like to reach out to me for an article or interview, you may contact me via e-mail at .

{ 4 trackbacks }

Rewriting the About Page for Clarity and Quality
April 10, 2008 at 8:05 am
WPF Review : No Debt Plan : Personal Finance
July 10, 2008 at 2:23 pm
The Certificate of Deposit Debate Rages on! | My Journey to Millions
September 15, 2008 at 6:21 pm
No Debt Plan | Money Smart Life
February 23, 2010 at 3:48 am

{ 5 comments… read them below or add one }

Financial Samurai October 16, 2009 at 3:29 pm

Living what I write, I like it. Keeping us publishers accountable is exactly why I write as well. I look forward to following your stuff! Hope to see you at FS one day as well.


Financial Samurai November 2, 2009 at 11:16 pm

BTW, Kevin, where did you go to b-school and what did you end up doing afterwards? Did you find it a rewarding experience? We’re focusing on b-school at FS now, and are looking for our 2nd $1,000 giveaway.



Paintball Jersey May 19, 2010 at 7:12 pm

BTW, Kevin, where did you go to b-school and what did you end up doing afterwards? Did you find it a rewarding experience? We’re focusing on b-school at FS now, and are looking for our 2nd $1,000 giveaway.


sara cook July 14, 2011 at 6:44 am

how much do you make a day?


Eric Pemper August 16, 2015 at 12:07 pm

Wow! You are an inspiration to those who are having a hard time dealing with debt Kevin. I takes a very firm will power to really practice what you preach. Keep it up!


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