Note: This is a post from Oli Lewington. Read more about Oli.

Almost two months have passed since my last (and introductory) post on here. The Top 4 Things Everyone Man vs Debt Reader Should Know About Me should really have been five things. Number 5? I’m going to disappear for two months without so much as a whisper.

What actually happened was that a surgery I’d spent almost a year on the waiting-list for finally came around, literally as I joined the Man vs. Debt team. Not great timing.

(Side note: It wasn’t anything major, but since it was on my stomach and involved damage to my stomach muscles and diaphragm, it did mean a long, slow recovery, which has gone well.)

What better way, then, to bring myself back into the fold than by examining how you can go about looking after your financial health while managing your physical health?

[There are a lot of things to think about!…]



Note: This is a post from Joan Concilio, Man Vs. Debt community manager. Read more about Joan.

So how’s your war on debt going?

Ours has been a rough slog lately. I’ve shared about that in my past few updates, and one thing that has stood out in the comments is how many others in our community are also going through rough times.

Unemployment. Medical emergencies. Car problems. The list goes on and on.

And I’m beginning to realize that, while I don’t have “the perfect” advice on getting out of debt, I do know a lot about what NOT to do.

[So… how NOT to win this war?]



Note: This is a post from Adam Baker, founder of Man Vs. Debt.

I still remember sitting around the kitchen table with papers scattered all around.

I still remember the white board mapping out all the core concepts we’d want to teach.

I still remember wracking my brain for which action steps would lead people to APPLY each lesson to their lives.

It’s been several years since I designed the You Vs. Debt course – and in that time we’ve run several classes through the system.

All told, students have paid down over $700,000 in debt (in just a few years)! We actually haven’t updated that in a few months, so I’m hoping it’s even more!

Joan was actually a member of the very first beta class (my test group to try out the structure) and loved it so much she stuck around writing for 2 years (call her crazy). In addition, we’ve had no less than 30 students fully complete the journey and now proudly call themselves debt-free.

But all good things must come to an end.

[Find out what’s next!!!]



This is a guest post by Jeff Rose, CFP®. Jeff blogs at GoodFinancialCents.com and just published his first book, Soldier of Finance. You can check it on Amazon and other major book retailers. Jeff previously shared The Danger in Comparing Yourself to Others with our community here at Man Vs. Debt.

“We really don’t have that much debt……”

I love when clients try to play off their situation like it’s not as bad as it really is. I know better.

It’s no different than asking my 6 year-old son why his little brother is crying and he tries to convince me that he has no idea. Sure, kid, I’m sure it has nothing to do with the fact that you just put him in a headlock…

I had the same gut feeling feeling when I met with these clients that something didn’t seem right.

[What set off my radar?…]



Note: This is a post from Joan Concilio, Man Vs. Debt community manager. Read more about Joan.

This month has been rough. Oh, not so much financially – in fact, our debt went down again this month by more than $500, which is pretty much our recent average.

Rather, it’s been a rough month personally. You might have noticed I’ve been short on updates. My mother had been feeling unwell and undergoing some tests. While thankfully she’s doing a bit better now, it’s always tough to deal with the illness of a loved one!

Meanwhile, the largest freelance contract I have kicked into super-high gear, requiring about 60 hours on-site each of the last two weeks. That’s a huge financial change for us. The team working on this project is amazing – and I’ve actually developed some crazy close friendships among the group – but I’m eating lunches out, grabbing takeout for dinner and generally doing different things than I might with my money.

And combined with that, it’s incredibly hard to find time to spend with my daughter and husband, who are both busy with activities and projects of their own!

All of this together has made me realize (or rather, reaffirmed) what’s most important to me. I’m not getting out of debt to get out of debt, or because it’s bad to be in debt, or … whatever.

[So why AM I doing this???]



Note: This is a post from Joan Concilio, Man Vs. Debt community manager. Read more about Joan.

A couple of weeks ago, when I shared some things I love about working from home, I had questions in the comments in two particular areas. The first was simple – what can you do as work-at-home work, and how do you transition your skills into that set? I addressed that a couple of weeks ago in this post.

The other was a little more detailed and involved how to find freelance clients, deal with “droughts” and irregular income, and so on.

I’d like to talk about those business angles of freelancing and working from home today. I don’t pretend to be any kind of an expert; I’m hoping, though, that sharing my story about how I make freelancing work will spark ideas, discussion and more questions in the comments.

How do you find freelance clients?

This is the biggest question I am asked when people hear that I freelance full-time.

[So how do I find clients??]