Advice and Top 10 Advice Lists

For my regular readers, you know that I am very reluctant to hand out advice (mainly because a lawyer friend of mine warned me about publishing guidance in a blog). Still, after spending the past weekend reviewing many of my older posts (in trying to clean up the mess that is my archive and possibly to figure out what I have written about for the past many years), I must admit I sure as heck give out a hell of a lot of advice! The other thing I hate is top 10 advice lists, which claim to help but are so obvious. How don’t folks know this?

Last year, I got a little silly and came up with what I thought was the best Top 10 advice List I could write:

10 Steps to a Debt Free Life

If you look at this list, you will figure out that while I am not saying it is easy to live debt free, the method to do it, is relatively straightforward (in my estimation). I would stand behind this as a method for how to start fighting your way out of debt since it does outline so many of those tough questions I have been asked about how do I start getting out of debt.

Many people think it is simple to live debt-free and get out of debt. I am not saying that. I think I am pointing out that even though it seems very simple, it is not simple, but that is mainly because we make Personal Finance and Spending too complicated. Allow me to clarify that by pointing out:

• Spending money is very simple for most of us through Debt Cards and Credit Cards.
• Saving should be as simple, given we have online banking and smartphone apps to use this. However, those apps must be hard to use because most of us don’t save!

Debt A Programmatic Explanation

If you still don’t get what I am saying, here is a helpful graphic as well:

Advice will be the theme of the OBG posts on my twitter feed this week, so watch for those as well.