Debt Free Direct Tour de Personal Finance, Stage 18 – Round 4, Posts 17-32

Without further ado, let’s continue on with the 18th Stage (now the 4th Round of the event) 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 16th for this Stage!


Intermediate Sprint

  • 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??


  • How My Retirement Plans Got Derailed – Big Time! (Derailed): I left my secure job at a major bank to open a small retail store with my husband.  We struggled along for three years, using up almost all our savings and making the terrible mistake of financing the business with our many credit cards. Eventually we gave up and closed the store.  With no money and over $100,000 in credit card debt, we sank to our lowest point of despair.


Tour de France Daily Recap

The Tour de France in real life continued today again with Stage 14, a medium-mountains race taking the riders 191 km from Saint-Pourçain-sur-Sioule to Lyon. A big breakaway of around 20 riders stayed away from the peleton. In the end, the win was taken out by Quick Step rider, Matteo Trentin, with a beautifully-timed “mini-sprint” from the breakaway group.

***Photo courtesy of


  1. Derailed
    Robb recently posted…How I Plan To Be Financially Free By 40My Profile

  2. Derailed
    Assaf recently posted…Are You Saving Enough in Your IRA?My Profile

  3. Steve Chou says:
  4. Harder
    John S @ Frugal Rules recently posted…Shout Out Saturday #26My Profile

  5. Derailed.
    Kevin@OutOfYourRut recently posted…Jobs for New College Graduates – You May Have to Make Your OwnMy Profile

  6. Derailed 🙂
    Forest Parks recently posted…You Say Tomato, I Say Ermmmm: How Travel Changed My LanguageMy Profile

  7. Harder
    (that’s what she said!)
    J. Money recently posted…“Afraid of Money”My Profile

  8. Derailed
    Tom Drake recently posted…Slang for Money: Alternatives to Saying “Money”My Profile

  9. Voting for this Stage is now closed. The winner is Derailed and will advance to the Final Four! 🙂 A big thanks to everyone for voting and participating! 🙂
    Jacob A Irwin recently posted…Six Ways To Make Constructive Use of Your Daily CommuteMy Profile

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