Welcome to FreeAndClearThisYear.com!

FreeAndClearThisYear.com is a collection of blogs, links, articles, videos, and other resources designed for individuals who are attempting to manage, reduce, or eliminate their debt. Because debt-management is really only one facet of an overall personal financial plan, you'll find a number of other personal-finance resources included here as well. However, our major focus is to help you become "free and clear this year."

Keep in mind as you browse through our resources that no single approach to debt reduction fits everyone. Temper the advice and suggestions you find here with some common sense, as well as looking at them from the perspective of your own individual financial situation. The ideal financial plan for one person could be financial suicide for someone else! And when in doubt, consult with a competent, trained professional financial advisor.

We hope you find our site to be both informative and inspirational!