My girls and I.

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 live a debt free lifestyle. MoneyTipCentral is my outlet for research, exploration, and personal finance tips.

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

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