What can I say? Being in debt sucks. The problem is that most of us are in the same debt boat. Having the discipline to save money rather than spending it can be very hard. Abusing the convenience of credit cards can be devastating if not controlled.

No, I am not a financial consultant. However I have been involved in Accounting and Administration for several years and have much knowledge  in budgeting. My specific work experience is in Accounts Payable and General Administration and am always involved with smart ways of using money.

Although there is a lot to do on this site, I hope you find this information useful. But please forgive me, for I have several sites that I need to work with. I am a complicated individual with many interests. Along with a few finance related sites (such as this), I also have several health related blogs which demand attention.

But living free without worrying about being able to pay my next bill, mortgage or credit card payment is also extremely important to me.  Like my health, I have learned not to take money for granted. The money I earn and the health of my body are sacred to me and I have learned to respect it for what it truly is and what it can mean for my future.

With that said, welcome to DebtCreditTips.com and please do enjoy the information I provide. If you see an article you like please do leave a comment. Where I do not write my own article post, I have other writers that also have good information that I feel need to be shared with my readers.

Enjoy!

Joseph Nykoluk