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Ways to Improve Your Chances Of Winning Sports Betting

September 20, 2017 | Leave a Comment

Gambling is a kind of addiction to mind. By its nature, it is a method of filling your time and trying to make money.  But those who are into a healthy betting and do it sensibly, they can make it fun and exciting to be a part of sports.

Sometimes it may result in an uncertain outcome as it is all about finding the best value for money. So, do you know the ways to make the most of your bet? Do you know the tricks to get the best?

There are many things to take care of, like the right market, the best time to put your bet on and other little things. These things are like a guide for you to see if you can make the most from your gambling experience. By following an approach that is structured, better can possibly win more than losing. Here are a few ways out that can help a gambler to have a winning bet on sports:

Look around for bookmakers, do not stick to one

In the competitive sector of betting business, there is a big emphasis on brand loyalty. The companies will try to convince you to choose them for bet through various loyalty schemes. They all have the same intention and it’s on you to choose the best. Shop around the best bookmakers who has the best price for the market you want. Check the offers available and as a result, bookies all have their own spin on it.

Know the bookmakers and their odds

At times, the popularity of the event you are betting on will determine the odds of the bookmakers. Their odds will be a reflection of what bookmakers expect the general public to play and actually not the real probabilities of either outcome. They will set their odds in order to attract the betters on their side and to balance their liability. So, choose wisely and opt to play with reputable ones like sports.williamhill.com/ who offers fair odds across all markets, even promotions. Calculate the margins of smart bookmakers, to find great value for your events and a profitable strategy.

Keep the past away and do not celebrate for too long

In the past, whether you lost or win, do not let it run throw you off your game. Keep it out of the league, out of your mind and start a new analysis. The spin will surely be on your side. Also, do not assume a false courage due to some past experience. Stick with your plan, have a good analysis.

Develop a long term stability

Who doesn’t want to get rich quickly, but that is not actually possible. It is a long term process. Getting rich through betting involves stability. You need to build a betting bankroll to increase the amount you bet on each game. When you steadily gain a stability you will find yourself making a decent pocket money and maybe also living wage out of it.

Maintain the records

Keeping a record of your betting game will help you in long term success. Keep a record of your betting by having a spreadsheet that will track your bets, the odds and what other things you want to add regarding your matches you bet on. When you do this, your betting will become more disciplines and it will assist you to keep a track of your profit and loss during every bet. Overall, it will enhance your betting discipline.

So, in a nutshell, follow these ways to have a win-win betting.

Our Debt Free Family
Our Debt Free Family

Team Our Debt Free Family is the administrative WordPress user account for Ourdebtfreefamily.com. Our Debt Free Family is a premium classic personal finance blog. Our mission is to inform, educate and help you get out of debt.

www.ourdebtfreefamily.com

Filed Under: Stories

From Credit Card Debt to Loving Her Money with Sarah Li Cain

September 28, 2016 | 12 Comments

A few years ago, Sarah Li Cain found herself jobless, broke, and in $9,000 credit card debt after a breakup with her boyfriend.

Today, Sarah is debt-free, married, and living a happy life with her husband and spirited toddler.

Sarah is a freelance writer and illustrator. She believes in the power of storytelling and wants people to share their money stories to remove the stigma around money. An avid traveler, she believes that the way to a happy and productive life is to love your money and be compassionate when it comes to your finances.

I am so excited to share Sarah’s story and introduce her brand new book, Cha Ching! A Money Coloring Book.

In the interview, Sarah shares:

  • The lessons she learned from racking up more than $9,000 in credit card debt from an unhealthy relationship
  • How she paid off the credit card in less than a year
  • Her advice to anyone currently in a similar situation
  • How she’s using her experience to teach others to love their money
  • And the message behind her brand new coloring book

Thanks again to Sarah for sharing her debt-free journey and her new coloring book with us! [bctt tweet=”How @sarahlicain went from credit card debt to loving her money.” username=”MonicaRLouie”]

Sarah’s brand new coloring book, “Cha Ching! A Money Coloring Book” is available by clicking here.

You can find out more about Sarah at HighFivingDollars.com.

Now I’d love to hear about you!

What did you learn from Sarah’s story? Have you been in a relationship that put you into debt? If so, how did you handle it? Please share in the comments below.

Have you joined our free community yet?

Join me in our private Facebook group called Your Debt Freedom Family, where we’ve got an awesome community of people who are kicking debt to the curb so they can break free and live life on their terms.

Click here to join the fun!

I’d love to see you there!

Keep moving forward toward your goals. You really can live the life you dream about!

Our Debt Free Family
Our Debt Free Family

Team Our Debt Free Family is the administrative WordPress user account for Ourdebtfreefamily.com. Our Debt Free Family is a premium classic personal finance blog. Our mission is to inform, educate and help you get out of debt.

www.ourdebtfreefamily.com

Filed Under: Get Out of Debt, Inspiration, Interview, Stories, Video Tagged With: credit card debt, debt-free interview, Get out of debt, how to pay off credit card debt, Monica Louie, Our Debt Free Family, Sarah Li Cain

How Lauren Greutman, The Recovering Spender, Paid Off $40,000 of Debt

September 13, 2016 | 13 Comments

Lauren Greutman and her husband, Mark, hit rock bottom in their finances a few years ago when they found themselves underwater in their mortgage, $42,000 in debt, and running a $1,000 deficit in their budget each month.

Fast forward a few years, and Lauren and Mark are now debt-free and run her popular frugal living site that helps millions of people, LaurenGreutman.com, formerly IamTHATLady.com.

I am so honored to be joined by Lauren in today’s interview to have her share her story and introduce her brand new book, The Recovering Spender: How to Live a Happy, Fulfilled, Debt-Free Life

Lauren is a wife, mom of four and a recovering spender. If her name sounds familiar, you may have seen her on TV as a frequent guest on The TODAY Show, Good Morning America, Nightline, The Dr. Oz Show, Rachael Ray, and more.

In this interview, Lauren shares:

  • How she and her husband, Mark, dug themselves out of $42,000 of debt in four years
  • What she did to cut her family’s grocery spending from $1,000 per month to $200 (Say what?!)
  • Her advice for those wanting to start a blog to bring in extra income and the great opportunities her’s has brought to her family.
  • What her brand new book, The Recovering Spender, is all about and who will benefit from reading it
  • What to do if you’re a Saver married to a Spender


I love this interview with Lauren! She has such an inspiring story of how she turned her life around from being a compulsive shopper to getting out of debt and now helping millions of others do the same.

Thanks again to Lauren for sharing her debt-free journey and her book with us!

[bctt tweet=”How @LaurenGreutman, #TheRecoveringSpender, Paid Off $40,000 of Debt” username=”MonicaRLouie”]

Lauren’s brand new book, The Recovering Spender: How to Live a Happy, Fulfilled, Debt-Free Life, is available in bookstores and online wherever books are sold.

You can learn more about Lauren at LaurenGreutman.com and find out more about her book at TheRecoveringSpender.com.

Now I’d love to hear about you!

What did you learn from Lauren’s story? Are you a Spender in need of recovery, or do you know someone who is? Please share in the comments below.

Have you joined our free community yet?

Join me in our private Facebook group called Your Debt Freedom Family, where we’ve got an awesome community of people who are kicking debt to the curb so they can break free and live life on their terms.

Click here to join the fun!

I’d love to see you there!

Keep moving forward toward your goals. You really can live the life you dream about!

Our Debt Free Family
Our Debt Free Family

Team Our Debt Free Family is the administrative WordPress user account for Ourdebtfreefamily.com. Our Debt Free Family is a premium classic personal finance blog. Our mission is to inform, educate and help you get out of debt.

www.ourdebtfreefamily.com

Filed Under: Boosting Income, Budgeting, Couples, Get Out of Debt, Inspiration, Interview, Stories, Video

How a Side Hustle Helped Melanie Lockert Break Up With Debt

August 30, 2016 | 14 Comments

Have you considered adding a side hustle to help you break up with debt?

Well, in today’s video, we’ll learn how Melanie Lockert used a side hustle to break up with debt.

If you don’t know Melanie, she’s the personality behind the award-winning blog, DearDebt.com, where she chronicled her journey out of $81,000 in student loan debt. Through her blog, she inspires readers to break up with debt by writing their very own breakup letter to debt.

In 2015, Melanie (and her journey out of debt) was named one of the top five most inspiring personal finance stories of the year by Yahoo! Finance. She currently works as a freelance writer and event planner. Melanie and her work have appeared in Business Insider, The Huffington Post, Yahoo! Finance, INC, and more.

After graduating from college with $23,000 in student loans, Melanie had the opportunity to attend her dream school, NYU, to earn her master’s degree. There, she incurred $58,000 more in student loans for a total of $81,000.

Upon struggling to find a stable, decent-paying job after graduating from NYU, Melanie made some extreme changes in her life to pay off her student loans. In December 2015, Melanie made her last payment and became 100% debt-free.

She is also the author of a brand-new book, “Dear Debt:  A Story About Breaking Up with Debt” which shares her journey and her advice for those in the process of breaking up with debt.

In the interview with Melanie, she shares:

  • What drove her to rid herself of her student loans
  • How she cut her expenses and started side hustling to bring in extra income
  • How her side hustling has led to an unexpected career path
  • Her best advice for how to find a side hustle that’s right for you, and
  • What to do if you want to get out of debt but feel overwhelmed and don’t know where to start

Melanie has an inspiring story that I think anyone struggling with debt needs to hear, and she shares it all in this interview. So here is my interview with Melanie Lockert from deardebt.com. Enjoy!

Thanks again to Melanie for sharing the good, the bad, and the ugly about getting out of debt with us!

[bctt tweet=”How a side hustle helped Melanie Lockert (@DearDebtBlog) break up with debt” username=”MonicaRLouie”]

I hope you pick up her book, “Dear Debt:  A Story About Breaking Up with Debt.” I know it will help you break up with debt once and for all.

I encourage you to check out Melanie’s blog at DearDebt.com and consider writing your own Dear Debt letter to break up with debt.

For others that have got out of debt check out these articles.

How Alice and Scott Paid Off $200,000 of Student Loans in Less Than 7 Years
From Credit Card Debt to Loving Her Money with Sarah Li Cain
How Lauren Greutman, The Recovering Spender, Paid Off $40,000 of Debt

Now I’d love to hear about you!

What did you learn from Melanie’s story? Have you started a side hustle yet so you can break up with debt? Please share in the comments below.

Have you joined our free community yet?

Join me in our private Facebook group called Your Debt Freedom Family, where we’ve got an awesome community of people who are breaking up with debt so they can break free and live life on their terms.

Click here to join the fun!

I’d love to see you there!

Keep moving forward toward your goals. You really can live the life you dream about!

Our Debt Free Family
Our Debt Free Family

Team Our Debt Free Family is the administrative WordPress user account for Ourdebtfreefamily.com. Our Debt Free Family is a premium classic personal finance blog. Our mission is to inform, educate and help you get out of debt.

www.ourdebtfreefamily.com

Filed Under: Boosting Income, Get Out of Debt, Inspiration, Interview, Stories, Video

3 Ways to Set Yourself Up for Success on Your Debt Free Journey

August 16, 2016 | 9 Comments

Do you feel like your debt is holding you back from living life to the fullest?

Are you afraid that if you had an unexpected drop in income or increase in your expenses that it would put you in financial stress?

That’s how we felt when we started our debt free journey three years ago.

[Read more…]

Our Debt Free Family
Our Debt Free Family

Team Our Debt Free Family is the administrative WordPress user account for Ourdebtfreefamily.com. Our Debt Free Family is a premium classic personal finance blog. Our mission is to inform, educate and help you get out of debt.

www.ourdebtfreefamily.com

Filed Under: Get Out of Debt, Getting Started, Inspiration, Stories, Video

How Marian and Dave Paid Off $120,000 of Debt in 3 Years!

July 12, 2016 | 9 Comments

I’ve got another debt success interview to share with you today!

Marian Nguyen and her husband, Dave, paid off $120,000 of debt in three years!

[Read more…]

Our Debt Free Family
Our Debt Free Family

Team Our Debt Free Family is the administrative WordPress user account for Ourdebtfreefamily.com. Our Debt Free Family is a premium classic personal finance blog. Our mission is to inform, educate and help you get out of debt.

www.ourdebtfreefamily.com

Filed Under: Budgeting, Couples, Inspiration, Interview, Stories, Video

How One Couple Found Financial Freedom by Paying Off $500,000 of Debt

June 21, 2016 | 30 Comments

Can you imagine what it would be like to pay off $500,000 of debt?
Well, our guest today did just that!

[Read more…]

Our Debt Free Family
Our Debt Free Family

Team Our Debt Free Family is the administrative WordPress user account for Ourdebtfreefamily.com. Our Debt Free Family is a premium classic personal finance blog. Our mission is to inform, educate and help you get out of debt.

www.ourdebtfreefamily.com

Filed Under: Couples, Get Out of Debt, Inspiration, Interview, Stories, Video Tagged With: being debt free, debt payoff

How a Family of 7 Paid Off $137,000 of Debt in 4 Years

January 12, 2016 | 13 Comments

Do you feel like you’ll never get out from under your pile of debt?

If so, you need to read this inspiring story from the Miller family.

As their family grew from five mouths to feed to seven and with a wage of no more than $14.50 per hour, Ella and Lavern Miller paid off $137,000 of debt in four years!

Read on to hear from Ella Miller herself how they paid off so much debt in such a relatively short time.

[Read more…]

Our Debt Free Family
Our Debt Free Family

Team Our Debt Free Family is the administrative WordPress user account for Ourdebtfreefamily.com. Our Debt Free Family is a premium classic personal finance blog. Our mission is to inform, educate and help you get out of debt.

www.ourdebtfreefamily.com

Filed Under: Budgeting, Couples, Inspiration, Interview, Stories

Traveling and Living Debt Free with Kach and Jon

December 8, 2015 | 21 Comments

Asia, Latin America, Europe – these are just some of the places Kach and Jon have traveled while living free from debt!

Today, I’m honored to share the story of Kach Medina Umandap and Jonathan Howe, the top monkeys at Two Monkeys Travel Group – Community Travel Blog! [Read more…]

Our Debt Free Family
Our Debt Free Family

Team Our Debt Free Family is the administrative WordPress user account for Ourdebtfreefamily.com. Our Debt Free Family is a premium classic personal finance blog. Our mission is to inform, educate and help you get out of debt.

www.ourdebtfreefamily.com

Filed Under: Boosting Income, Budgeting, Couples, Inspiration, Interview, Saving Money, Stories

How Celeste and Rita Paid Off $49,000 of Debt in 18 Months

October 27, 2015 | 14 Comments

Hawaii, Ireland, and $49,000 of debt gone!

In this interview, Celeste and Rita share how they’ve balanced saving money with what’s truly important to them, the sacrifices they’ve made for their goal, and the unexpected result from their debt free journey.

DogsHere is the interview:

ME:  Thank you for sharing your story with Our Debt Free Family! Please tell us a little about yourselves so our readers can get to know you.

We are Celeste and Rita, and we are both 44 years old. We’ve been together for five years and married for two, and we live in Portland, Oregon.

Rita works in law enforcement. She enjoys listening to podcasts and the radio show from her hometown, running, and playing with our dogs.

Celeste works as a nurse part-time, volunteers, and enjoys making things with her hands: knitting, sewing, and crafting.

We have two dogs and two cats. We both love to travel, IPA craft beers, updating our 1957 home, and ’80’s music.

ME: Welcome! What made you decide to focus on becoming debt free?

Rita will be able to retire in about 11 years so the idea of enjoying our retirement without the weight of debt is a no-brainer.

CatsME: How much debt have you paid off, and how long has it taken you?

With your guidance, we’ve paid off $49,048.83 in the last 18 months. Woohoo!! We now have $279,604.76 left including our mortgage.

ME: Congratulations!! What kind of debt was it?

We have paid off three credit cards, a motorcycle, two cars, and a good portion of student loans, along with making our regular monthly payments.

ME: You’ve crossed off a lot of items from your debt snowball! What did you do for work while you’ve been paying off your debt?

We both worked our jobs mentioned earlier. About ten months ago, Celeste decreased her work hours from about 35/week to about 10/week, which also decreased our income.

ME: What has your annual income been during this time?

About $65,800.00, which includes both of our incomes and rental income from the attached apartment we rent out.

ME: Did you do anything to increase your income?

Rita volunteered for two work trips where she was able to earn overtime.

ME: What sacrifices did you make to reach your goal?

Rita going on those trips was a huge sacrifice for us. She was gone for 30 to 77 days. It’s tough to be apart and away from home for so long.

We also decided to downsize from two cars to one. Now we only pay insurance/maintenance/gas for one car and one motorcycle. It has forced us to think ahead and to limit those trips “for just one thing.” We also use public transportation and ride bikes or walk whenever we can.

DIY

ME: What are your best money-saving tips?

Perhaps the most important thing we do is buy with intention. We ask ourselves, “Do we really need this new item? Can we borrow or share an item? Can we purchase the item second hand?”

We would rather spend our money on experiences than “stuff.”

With Celeste not working as much, she’s explored DIY methods to save money and decrease toxins/plastics in our home.

She makes our laundry soap, hand soap, lotion, almond butter, shampoo, and toothpaste. She’s also made produce bags from old t-shirts and reusable hankies from an old sheet.

We buy most of our dry foods (i.e. spices, rice, beans, flour) in bulk to decrease packaging and save money.

Because we produce less trash we’re able to use “on-call” trash pick up about every 6 weeks.

We wash our clothes in cold water and use the clothesline whenever possible. We both take lunch to work, and Rita has her coffeemaker at work to cut down on runs to the coffee shops.

ME: You’ve done a lot to cut your spending! What advice would you give to someone considering starting their own debt free journey?

We haven’t stopped doing the things we enjoy in order to pay off our debt faster. Instead, we just do them less often to keep us sane. Everyone is different and has different ideas of happiness. This works best for us.

Also, don’t beat yourself up for slipping sometimes. Most people haven’t been taught about money management. It takes time to learn and of course, practice and patience. Taking little steps can make a difference.

Ireland

ME: That is great advice! Have you made any big purchases with cash? If so, how long did it take you to save up?

Rita is from Ireland and goes back every year to visit family. In 2015, we both visited for about $5,000. We also took a vacation to Hawaii and spent about $3,000 on the trip.

We started saving for the trips about a year in advance, saving $100 of each paycheck ($400/month). We also used some money from Rita’s work trips for these vacations.

We bought a much-needed new mattress and box spring set for $1,700. We used money from Rita’s work trip and bought when it was on sale. Celeste made a cool headboard for $200 to go with it. The fabric for the headboard was discounted with coupons.

We also put in a small deck with used composite material for less than $200. The composite decking itself would have been $800 if we had bought it new!

Homemade HeadboardME: You’ve accomplished a lot in the last 18 months! What has been the best part about your debt free journey?

Learning about healthy financial habits has been really liberating!

An unexpected benefit is how it’s enhanced our relationship.

Combining our bank accounts and debt was really hard for Celeste due to her large amount of student loans. She didn’t think Rita should pay for the debt Celeste incurred before they were married.

It’s been a process, but through it we’ve become more of a TEAM. We’ve opened up our communication, and it’s brought us closer.

We are on track with each other and our goals are now in sync.

ME: Thank YOU, Celeste and Rita, for sharing your story with us!

Now I’d love to hear about you!

What parts of Celeste and Rita’s story did you find most inspiring? Which tips can you apply to help you reach your financial goals faster? Share in the comments below.

Our Debt Free Family
Our Debt Free Family

Team Our Debt Free Family is the administrative WordPress user account for Ourdebtfreefamily.com. Our Debt Free Family is a premium classic personal finance blog. Our mission is to inform, educate and help you get out of debt.

www.ourdebtfreefamily.com

Filed Under: Boosting Income, Budgeting, Couples, Get Out of Debt, Inspiration, Interview, Saving Money, Stories

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Five Steps To Debt Freedom

Here are five simple guidlines that will help you pay off debt.  

1) Get an emergency fund so you don’t take on debt when something comes up.

2) List your debts. This way you know where you stand.

3) Use the debt snowball. Pay your debts from smallest to largest, or most expensive to least expensive.

4) Avoid new debt. No new credit cards or loans. Period.

5) Go all cash. After everything is paid off, switch to all cash.

Helpful Resources

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