Become debt free

Discover practical strategies and expert insights to help you eliminate debt and regain financial freedom. This page is your starting point for building a secure, debt-free future—one smart step at a time.

Contact Us

Are You in Debt?

Over the years, I have seen a variety of businesses with all sorts of financial situations. 

Unfortunately, a common thread is credit card debt .

Credit card companies purposefully increase your limit in hopes that you will send in a payment late, go over your credit limit and not pay attention to the percentage rate that they charge. They offer incentives and rewards to lure you into their programs. They receive 31% of their profits from fees they collect.

Common Factors Amongst People with Credit Card Debt

  • Those with credit card debt do not have a SPENDING PLAN.  YOU need to TELL YOUR MONEY WHERE TO GO instead of having your money tell you what is left over. Having a “zero-base budget” lets you know how much money you need for the basics and beyond; cut out what is not needed and learn to live within your means.
  • 40% of people in financial trouble do not balance their check book. BALANCE your CHECK BOOK!


Doing these simple things with discipline can change your financial situation today!

A good resource that I have found is Dave Ramsey

They offer seminars and 9-week financial classes that will change the way you view debt and give practical ways to eliminate it.

Common Factors Amongst People with Credit Card Debt

The Bible has thousands of verses that can teach us the basics of how to spend, save, earn and invest money, as well as get out of debt. People with Credit Card Debt.

Here are a few of our favorites:

  • If you have not been faithful in the use of worldly wealth, who will entrust the true riches to you? Luke 16:11
  • The way of the fool is right in his own eyes, but a wise man is he who listens to counsel. Proverbs 12:15
  • Be sure you know the condition of your flocks, give careful attention to your herds. Proverbs 27:23
  • The rich rule over the poor and the borrower becomes the lender’s slave. Proverbs 22:7
  • Steady plodding brings prosperity; hasty speculation brings poverty. Proverbs 21:5


Dave Ramsey and Renee Daggett with other business pros.

We are passionate about sharing financial advice with others. 

Ask Renee about her personal experience with credit card debt and let’s discuss how you can get on a path to eliminate yours!

Living without credit card debt is possible!

Contact Us

Recent Blog Articles

  • A blue binder labeled PAYROLL sits on top of a weekly time sheet, next to a calculator, pen, and other folders, representing payroll processing and employee work hours tracking.

    5 Things To Do With Your Payroll Before December 31

    Year-end is one of the busiest times for business owners and payroll is often the area that needs the most…

    View More

  • Common Myths About Audits

    Navigating an IRS audit can feel intimidating, but the truth is much simpler—and far less scary—than most people think. When…

    View More
  • A table set with roasted chicken, potatoes, Brussels sprouts, mushrooms, cheese, grapes, hummus, cranberry sauce, and wine. Two people are holding glasses, and their hands rest near plates and napkins.

    Building A Thanksgiving Dinner Kind Of Business

    Thanksgiving is one of the most organized, strategic, and high-pressure days of the year…So is running a business. When you…

    View More
  • A festive illustration with a Santa hat, champagne glass, food, candle, clock, and holiday icons surrounding a sign that reads “Business Owner’s Holiday Survival Guide,” featuring small business accounting tips on a green and tan background.

    Business Owner’s Holiday Survival Guide

    Because your to-do list shouldn’t look like Santa’s. Ah, the holidays. That magical time when your inbox doubles, your staff…

    View More
Show More