About Me Hi, my name is Greg and I am the developer of My Debt Elimination Calculator. I have been a software developer for almost 20 years. My education is in Computer Science and Electrical Engineering. How did I get interested in the HELOC Based System of Debt Elimination? Well, I have always been quite frugal. I grew up with very little in the way of monetary resources and I had to work my way through college. I attended college in my hometown. My parents were able to give me free room and board, so I just had to pay for school and my transportation. I graduated with two degrees and very little debt thanks to them and thanks to my own efforts. My first job took me away from home and I finally got my own place to live. A few months into my post-college life I realized that I was going to need a new car - the old beater wasn't going to make it much longer. I quickly realized that I had no idea how much of a car I could afford. I knew that I would have to get a loan and make some regular payments - but how much could I afford to pay? At that moment, I realized that I needed to start keeping track of my expenditures so I created a system for budgeting. I bought my new car by taking out a 5 year loan. My budgeting provided the information I needed - that the payment was well within my means. Since I was such a frugal guy, I actually paid off the car loan (and a very small school loan) in only 3.5 years by working hard and squeezing every penny that I could out of that budget. Fast-forward several years. I am now living in a 3 bedroom / 2 bathroom house. I have a 15 year mortgage which, of course, I have been paying ahead on. In fact, I am within 2 or 3 years of paying that mortgage off and owning that house free and clear. During those in-between years, I was laid off once for about 6 months. My tolerance for having a monthly mortgage payment couldn't be much lower. I can see the finish line in sight. I can't wait to be totally out-of-debt again. But it wouldn't be much of a story without some type of conflict, would it? What was the conflict? Well, a girl of course! My wife. A year or two before this point, I managed to convince my (not-yet-at-the-time) wife to move in with me. She owned her own home based business. Moving in with me required relocating about 10 miles from the "burbs" to the big city where I lived. She got her mother and her aunt to  move into the house and kept her business there while she started to build her business in the big city. However, try as she might, it was slow going building up in the big city. Just about every day she commuted back to the "burbs" to work. Now, depending on where you live, 10 miles may or may not seem like a long distance. Where we live the weather can be quite difficult, especially in winter. So her 10 mile commute got to be a burden. Since she could work from home and all of her friends were back in the "burbs", she started looking at new houses in the "burbs" with her mother. Now the houses that they liked were nice. Really nice. Lets just translate "really nice" into expensive. And the "affordable" houses just didn't seem to catch their eye. (Unfortunately) I have to admit that I get caught up in the niceness of the houses they liked. So I am now required to use the pronoun "We". We found a house that we really liked. The problem, of course, is how were we supposed to afford it? I went through the budget planning process that I have perfected over the years. The numbers just didn't add up. We could afford it. But it would be tight - very tight. And that's with a 30 year mortgage. Did I mention that I almost had my current house paid off? The thought of a enslaving myself to a new 30 year mortgage was not making me a happy camper. Enter into the story one of my financial advisors. He called me one day to tell me about a program he had learned of called the "Money Merge Account" from United First Financial. Knowing how frugal I am, he thinks that I might be interested in it. He sends me a link to a video explaining what the program can do. I watched the video and became immediately intrigued. But there was one problem with that package: the $3500 price tag. My frugality wouldn't allow me to consider the idea that I will actually pay $3500 for something that I don't have a good understanding of how it works. (The video, while piquing my interest, was a little short on detail.) So I hit the internet. Eventually I stumbled upon the books that I reference on the home page. I ordered them and read them front-to-back as soon as they arrived. I told my financial advisor that I thought I could implement this program myself without paying $3500. He responded in disbelief, "But, Greg, engineers spent several years developing the algorithms for this program. How are you going to be able to do it yourself?" Three weeks later I showed him the prototype for My Debt Elimination Calculator. He was impressed. Now, I know that the software for the "Money Merge Account" does a few things that My Debt Elimination Calculator doesn't. My software doesn't hold your hand as closely. It doesn't tell you when and how much to "inject." If you are not very familiar with the HELOC Based System of Debt Elimination, it may seem that it is all very complicated. Believe me, the system really isn't that complicated - you don't need to have an engineering degree to implement it. (You may need an engineering degree to understand how the math of it works - but as long as you can take advantage of the fact that the math does work, who cares if you don't understand the math.) What potentially makes the system hard is the discipline required to keep it up - you must not allow an available line-of-credit to be maxed out and over used. If you are as half as frugal as I am, you can keep to it pretty easily. So now my wife and I are happy. We bought that nice house by taking out a 30 year mortgage. My current estimate for paying it off is a total of 4 years and 7 months. That picture on the home page is my estimate. What!!?!?! You are going to payoff that 30 year mortgage in about 4.5 years when you had a tight budget before you bought it! How can that be? Fair enough - good question. The truth is we sold my wife's old house and have applied that equity to the new house. Stay with me though. Without the sale of that house, the estimate was still 8 years and 3 months! Quite simply: this system is just flat out amazing. Whether or not you buy an activation code from me, I hope you get as much out of the use of this system as I have. Just don't pay $3500 for it. Buy a book. Learn the mechanics of the system. Implement a version system that works best for your situation. And if it is helpful, use My Debt Elimination Calculator to analyze how to do it and keep you on track. Sincerely, Greg