Money and debt….probably the biggest balancing act of our lives. Too little of one, too much of the other, and we fall into a lifelong drudgery, never escaping the rat race, existing solely to pay our bills.

How can you break out of the never-ending cycle of owing? How can you make enough money to cover your expenses and then some? And what about buying the occasional "luxury" item, such as a nice car, a house, or a condo in Florida? What about unforseen events, like medical emergencies or layoffs? What about the foreseen events, like retirement?

For those of you reading this article, my guess is that many of you have financial troubles. Maybe you’ve been laid off or had your work hours cut. Perhaps you are wondering how you will make your mortgage payments, even with a "good" paying job. If you have kids in college, maybe you’re finding yourself strapped for cash. Regardless of your situation, there is one common thread running through everyone who is short on money and long on debt: desperation.

Desperation makes people do unexpected things. Some people steal. Others open up businesses or invent something useful. In my case, I am building this web site and blog. And I’m inviting all of you to participate. Comment on the posts, or sign up for my newsletter (coming soon). Tell me what you’ve done to beat debt and make money. If not, let’s brainstorm together so that you can start living a better life.

As I build this web site and blog, I’ll be adding links and posts to several items: 1) online sites that can make you money, 2) helpful software that tracks your spending, 3) scams to avoid, and 4) investment methods. Some of these tidbits of information will come from my own personal experiences, while others will be gleaned from the experiences of my friends, family members, and coworkers.

I hope that Your Money and Debt will help you have more money and less debt over time. I hope that you will learn at least one useful thing every time you visit. And most of all, I hope that this site teaches us how to better balance our financial lives.
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