About

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 .