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The Top 10 Lies About Money That Keep You in Debt

Lies about money are everywhere.  Unfortunately, many of the biggest money lies people believe are usually taken as truth.  I'm convinced this is especially true when it comes to getting out of debt. I know you've heard them before.  Things like "You need a high credit score" and "The middle class can never get ahead" […] Read More

How to Increase Your Credit Score Without Using Credit Cards

If you’ve been reading the Celebrating Financial Freedom blog for long, you know I’m not a big fan of having a credit score.  In fact, I believe the best credit score is no score at all.  So why would I write a post about how to increase your credit score? Well, in some cases it’s […] Read More

Living Without a Credit Score- Your Questions Answered

Living without a credit score is one of the basics of personal finance that I teach on a regular basis.  However, I’ve found that telling people they don’t need a credit score tends to freak people out a bit. Most people get this weird look on their face and politely listen to what I’m saying.  […] Read More


4 Signs You’re Letting Credit Run Your Life

4 Signs You're Letting Credit Run Your Life credit cards debt

Credit and credit cards are a huge part of how business is done in this country.  It’s a business that generates hundreds of billions of dollars every year. It’s money that comes out of your pocket and goes straight to the big banks that convince you that you need all that credit in the first […] Read More

Celebrating Financial Freedom Get Out of Debt Online Course

If you’ve been following the CFF blog for a while now, you probably know that I offer a popular Christian get out of debt course that I’ve been teaching for several years. The course has always been offered in a physical version. Many of you have asked if it’s available in an online format, and […] Read More

credit score alternative

Credit stinks.  You don't need a credit score. Credit wastes your money.  You DON'T NEED a credit score Using credit will serve to keep you in perpetual debt.  Once again, YOU DON"T NEED A CREDIT SCORE! Guess what?  I don't like credit. If you've been a participant here at CFF for very long or taken […] Read More


Winning Without a Credit Score

Winning Without a Credit Score

It’s hard for many people to believe you can win in life with a zero credit score, but if you’ve been keeping up with the Celebrating Financial Freedom blog at all, you know I believe you don’t need a credit score at all (read about it here). After I posted that entry a while back, […] Read More


You Do NOT Need a Credit Score

You Do NOT Need a Credit Score

Do you have a credit score?  I bet you do.  Do you know what you score is?  Maybe you do, maybe you don’t.  Do you believe that it’s absolutely necessary to have a credit score?  Most people do, and they are wrong. First, let’s take a look at exactly what a credit score is and […] Read More


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