Welcome to Necessary Virtues Personal Finance Resources! We offer a rich variety of free resources about personal finance, including the Debt Flushers debt reduction calculator (under development), plus helpful articles and e-books. We are continuing to add to these resources. If you have a personal finance question and can’t find the answer here, please leave […]

by John Edmond
This may come as a surprise but if you only ever pay the minimum repayment on your credit card it will take you over 20 years to get out of credit card debt!
Borrowing long term on a credit card not a sensible way of managing money but millions of card holders are doing […]

by John Edmond
What you are about to read may make you reassess your attitude to zero interest balance transfer offers. I will show how these balance transfer offers are pushing more and more people into serious financial difficulties and I will suggest a few ideas on how you can manage your debt better.
Credit card debt […]

by Vicky White
Your prosperity is directly related to the flow of energy in your environment. Clutter creates stagnant energy flow and prevents abundance from flowing to you.
Clutter is anything unfinished, unused, unresolved, tolerated or disorganized. Clutter is emotional constipation!
Letting go of something that no longer makes your heart sing, can mean letting go of […]

by Oyvind Hennum
Many of us do not consider the underlying belief system about money to be of any importance. You think it does not matter because what matters is what you do now—right at one level but not complete.

All ideas that we have learned about money in the past are coloring our actions today.
These are […]

by Carmellita Brown
Is it possible for someone to fear abundance? Who would not want to live the abundant life?
Polarity is a universal law. The law of polarity contends that everything has its polar opposite. The scales of life assures the existence of polar opposites. In conjunction with the Law of Rhythm, everything returns where […]

by Julie Plenty
When you hear the words “abundance” and “prosperity”, what immediately comes to mind?Is it money, fulfilling relationships, a lovely house to live in, peace of mind, a career/vocation that expresses your gifts?
It may be all or none of those things. It may mean something else to you. But if you want to […]

by Steve Diamond
We’re stressing two parallel streams of content on this site.

Nuts and bolts details about debt reduction, credit cards, budgets, and so on.
Equally specific information about the mental and spiritual habits and exercises that open your life to abundance and prosperity.

I know that many folks tend to concentrate on the first without paying much […]

by Gary Vurnum
She sat there dumbstruck.
Here we go again, I thought.
Suddenly a high pitched cackle came from her mouth as the ride went sharply up…then back down again.
She was only four - and she loving every single minute of it. Where else could you pay only a dollar to get a reaction like that, I […]

by Steve Diamond
Do you have a manageable debt problem? Maybe a life event, like temporary job loss or sickness, may have put you a bit behind on your payments. Or maybe you just let your small debts add up to the point that you feel they may be getting out of control.

If this sounds familiar, […]