Debt Free Direct Tour de Personal Finance, Stage 3 – Debt Group – Posts 21-24

Without further ado, let’s continue on with the 3rd Stage (featuring posts from the “Debt” category of articles submitted) of the 2013 Tour de Personal Finance (to follow all of the action, click on the Tour de Personal Finance category link and scroll down to read all the posts involved in this subject).

We greatly appreciate Debt Free Direct for being the title partner of the 2013 event and for all their great support. If you’re interested in learning more about the help and advice Debt Free Direct offers to people in debt or their money-saving tips on how to prevent building up debtclick here.


A Quick Reminder On Prizes For The 2013 Competition

The 2013 edition of the Tour de PF will be doubly exciting because we have some very nice cash prizes to give away to the winner and also to charity to continue helping the community.

These will be as follows:

  • Yellow Jersey (1st Place) Winner of the 2013 Tour de Personal Finance will receive $100 cash via PayPal.
  • In addition, the Yellow Jersey Winner will also get to decide what charity they want me to donate $700 to in honor of their efforts/victory. 


To view the most up-to-date brackets of the competition, click the following link – 2013 Debt Free Direct Tour de PF Bracket

Going along with Tour de France cycling tradition, I’ve listed each competition within each stage as an “intermediate sprint” (one post versus another) along with the description provided by the blog author when the post was submitted.

Also, if applicable, I will give a brief description of the stage of the Tour de France that took place the same day as (or that has happened since the previous Stage of) the competition.


How to Vote

You can vote for the two articles (one from each intermediate sprint)  you’d like to see proceed in the Tour by commenting in the comments section below and telling which are your favorites. I’ve listed a keyword after each post title to make it easy to vote (as a made-up example, you can just comment: Sprint 1: Mutual; Sprint 2: 401k, etc.) 

Be sure to comment which one you like the best out of each set of two! Criteria for the best article is completely up to you, but you can use these factors as a guide: 1) post of your favorite blogger, 2) most interesting post, 3) most thought-provoking post, 4) most unique post, or 5) most actionable post.Here are today’s competitions:

Voting will continue until July 1st for this Stage!


Intermediate Sprint #1

  • Which Is Harder: Paying off Debt or Saving Money? (Harder): Every week, I get asked whether someone should pay off their debt first or save instead, and every week I pretty much say the same thing: Go with whichever one makes you feel better. I often wonder afterwards, though, which side – indeed –  IS the easiest to accomplish? Is it debt cuz you hate it so much and there’s an absolute number attached to it? Or is it savings cuz having tons of money in the bank is sexy as hell??


  • Working Towards A Debt Free Lifestyle In 8 Steps (Steps): Debt Freedom means taking yourself to the next level. Debt Freedom means you want to work towards your goals. Debt Freedom means you want to live a stress free life Debt Freedom Starts Now! Take charge of your freedom, your debt freedom by educating yourself on ways to improve and how to forget about the rest and worry about you and your money.


Intermediate Sprint # 2

  • Dealing With Debt: Seven Steps to Debt Busting (Busting): This article is awesome and should win because in it I share the seven ‘easy’ debt management steps that helped us pay off $157,000 worth of debt in three years. These are a combination between changing habits, learning new competencies, and changing our attitudes.


  • Should You Pay Off the Mortgage ASAP? (Mortgage): So many people come up with reasons why they shouldn’t pay off their mortgage early, but is it really the smartest option? What if you aggressively paid off your mortgage? What are the benefits? As it turns out, there are a TON of them!


Tour de France Daily Recap

Unfortunately, the Tour de France doesn’t start in real life until TOMORROW – Saturday, June 29th (we had to get started a little early this year due to the larger number of entries!).

This year’s Tour features some really cool things for us to look forward to though.

  • First, it is the 100th edition of the event.
  • Second, the Tour will start from the island of Corsica, the only time in the race’s history that it has visited that Department.
  • Third, it will be the first time since the 2003 that the event will take place entirely on French roads (no visits to neighboring countries).
  • Finally, the race features a Stage in which the famous climb of Alpe d’ Huez (one that I’ve actually done myself, and can attest to how hard it is!) will be climbed not once, but twice. I’m not quite sure how the logistics will work out with that, but it should be very entertaining to watch!


  1. Christine says:


  2. Harder
    Christine @ ThePursuitofGreen recently posted…A Simple Sewing LessonMy Profile

  3. Harder
    maria@moneyprinciple recently posted…Mary, the Smiling Job FairyMy Profile

  4. Mary F. Campbell says:

    re: “Working Towards A Debt Free Lifestyle In 8 Steps (Steps)”

  5. Harder
    Paul @ The Frugal Toad recently posted…How to Use Coupons: Tips From a Non-Extreme CouponerMy Profile

  6. Harder
    John@TheMoneyPrinciple recently posted…Mary, the Smiling Job FairyMy Profile

  7. Harder


  8. Voting for this Stage is now closed, Harder and Busting are the winners and advance to Round 2! A big thanks to everyone for voting and participating!
    Jacob A Irwin recently posted…Debt Free Direct Tour de Personal Finance, Stage 6 – Saving-Investing Group – Posts 41-44My Profile

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