The Reason For This Website

My Story

Hi!  My name is Larry.  I’m the publisher of this website.  In case you wonder about the value of the information on this website, I thought I would give you a little insight into who I am and why the information may be valuable to you. What follows is my personal story. If you are not interested in that, just skip it. The information given on the other pages can help you in any case. (Click Here to skip this page)

It Started When I was Unemployed

Several years ago, I found myself in a very bad financial condition. I had lost a good job when the company went out of business. I was not a very young man and although I had several good interviews for good jobs, it always turned out that someone younger was hired.

I Settled For A Low Paying Job

I ended up accepting a job that paid a great deal less than I had been making. I still thought I would be able to get a better job and replace the income I had lost and was unwilling to sell my home or make major changes in my family’s lifestyle. Instead, I first used up my savings and then began borrowing money and using credit cards to maintain our standard of living. I was convinced that it was just temporary and I would be able to pay off all the debt I was accumulating when I got a better job.

A Better Job Finally Came, But Too Late

Eventually, I did get a better job. But it was too late. By the time that happened, I had borrowed all the money I could and maxed out every credit card I could get. It got to the point that I could not even make minimum payments on my debts.


Even with my better job, I finally was forced into bankruptcy.

I do not recommend bankruptcy. For my family and me it was a traumatic experience. It continues, even several years later, to be a problem in some respects. I am grateful for it, however, because I don’t think I would ever have climbed out of the hole that I had dug for myself.

I don’t mean that it would have been impossible to recover – it would have been possible, but I don’t think that I ever would have done it because I didn’t have the knowledge of what to do and how to do it.

So What?

And that is the reason for this website. Because of the pain that I and my family have gone through, I began to study and learn more about how someone in the position I was in can take control of their finances, free themselves from debt, and build the kind of financial future they really want. I am not a financial expert. I have not earned millions of dollars (at least not yet… there’s always hope 🙂 ), but I have learned a lot, and I am still learning, and I wanted to share what I have learned with others who can benefit from it.

Nothing But The Truth

You will find that I am not personally the author of everything on this website. I do believe it all to be good, accurate, and helpful information, however.

Also, you will note that there are advertisements on every page and that I promote some products on some of the pages. One of the things I have learned is that it helps to have income from more than one source.

So, although I don’t expect to get rich from the things I promote, I do hope to make enough money to justify the expense and time required to make this website available. I’m sure you understand.

Go ahead.  Take a look at some of articles on the website.  Click on one of the items at the top of the page (Eliminating Debt, Rebuilding Credit, etc.) and see what’s there. Or, there is a listing of all of the articles on the right hand side of the page (you may have to scroll down a bit).  You will find good, helpful information on every page.

Here are some books that has that may be helpful to you…
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