Becoming & Staying Debt Free: www.handelonthelaw.com

Many banks and credit debt companies which have piled up their stocks are expanding their personal and commercial services. On individual level, student loan services are being offered at nominal interest rates. While commercially, banks have really queued up to sell out the merchant accounts combined with a merchant card. Merchant account lets you accept the online payment through credit cards. Such services can now easily be availed through online bank.

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Please Be Advised/About Me

The author of this website is not a financial adviser and in no way intends for information shared on this website to constitute professional financial advice. This website is intended to provide general information only, and does not attempt to give advice that relates to your specific circumstances. I am just an individual with a computer who likes to talk about finances.

Kevin is an assistant manager at a major regional grocery store. In addition he writes a column for the Topeka Capital-Journal's website. He made several bad decisions and got himself deeper into debt then he could handle. Like Dave Ramsey says, he developed the attitude of "I want it, and I want it now," that plaques so many Americans. Now with the advice of Larry Winget, Dave Ramsey, John Cummuta and other personal finance gurus, Kevin is digging his way out of debt.
For more information about Kevin, visit his personal website & resume.

Donations, Gifts & Tips

Please Consider making a small donation of 50 cents, $1, $5 or whatever amount you choose. Everything is appreciated.

I have a PO Box set up if you would like to donate. Feel free to send whatever you like....cards, shampoo, gifts, letters of encouragement, letters if you are in the same situation, or anything you like!
It is

D. Kevin Surbaugh
PO Box 4551
Topeka, KS 66604-0551

I WILL GET OUT OF DEBT!!....or I will be moving into the Box.

kevin -AT- debtfree4ever.net - or -
debtfree -AT- surbaugh.com

Disclosure Policy
Kevin Thanks You
DebtFree4ever Store

Save-O-Meters

Long-Term Savings Goal/401-k
Goal: $1 Million +
401(k): $3,389.17
Rollover IRA: $0 (Not yet funded)
Sharebuilder Stocks: $342.82
Current Total: $3,739.99

Debt-Free Progress
Beginning Balance: $19,591.80
Current Balance: $9,536.41
Credit Card: $0 (paid off $1,000)
Home Improv.: $0 (Paid Off $5,000)
Car Balance: $8,524.41
Finger Hut: $1,012.00
Attic Insulation: $0 (paid off $500)
Paid Off: $10,055.39
**Please note, these figures do not include the $24,000 debt consolidation loan I paid off in 2006**

Physical Therapy Debt
Total Balance: $698.25
Paid off: $29.09
Remaining Balance: $669.16

IRS Debt
Beginning Balance: $3,460.23
Interest: $895.06
Penalties: $0
Current Balance: $2,791.80
Paid Off: $1,326

Emergency/Insurance Fund
Goal: $15,000
Current Balance: $100.32

Car Savings
Goal: $15,000
Current Balance: $0