I am a personal finance junkie. Currently I don’t have a monthly phone bill, I use free software, and I don’t have any credit card debt. I live in a modest home and hope to be completely debt free in the next five years. MoneyTipCentral is my outlet for research, exploration, and personal finance tips.

Sustainable personal finance means sacrificing short term pleasure for long term benefits. Excessive debt, impulsive consumption, and unsustainable lifestyles are the biggest threats to our economy and personal lives.

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