Blog

Our Smart With Debt blog guides you on how to live the life you desire with your own money, not borrowed from banks or lenders. We strive to support those who are serious about managing their debt and discovering ways to leverage it for financial gain.

Freedom Date

Mike Bonn

Published on: 16/06/2026

Create Financial Freedom starting with Clarity, Confidence and Certainty.

You Cannot Outearn Bad Debt

Smart With Debt

Published on: 14/05/2026

If your debt costs more than your money earns, you are moving backward every single month. Even worse, many people do not see it happening until years later. That is why learning how debt works may matter more than learning how to invest.

Stop Using Snowball & Avalanche (Do This Instead)

Smart With Debt

Published on: 15/04/2026

Payments feel heavy, stress builds, and soon it gets hard to keep going. So, instead of getting ahead, people get stuck. But there is a better way, and it starts with one simple idea: pay the bank less.

The Lazy Way to Pay Off Debt Faster

Smart With Debt

Published on: 18/03/2026

Today we are going to discuss the lazy way to pay off debt faster: Work Smarter, Not Harder with your debt. Most people believe getting out of debt has to be painful. You hear the same advice everywhere. Cut spending. Cancel fun. Work more hours.

Why Interest Rates Decide How Fast You’re Debt-Free

Smart With Debt

Published on: 12/03/2026

Today we are going to discuss why interest rates decide how fast you’re debt-free. Many people think debt freedom is all about how much you pay each month.