One of the biggest hurdles that people face while eliminating their debt is the commitment that it takes. For most of you, eliminating your debt isn’t going to be some stroll in the park. It’s going to take time. Things are gonna have to change. You and your family will have to learn to live without some…
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Not only does being in debt suck in a general sense, but it also sucks your money away in the form of interest payments. Debt elimination should be one of your top financial goals. If you’ve finally come to that same conclusion (and I hope you have), you’re probably itching to get started attacking your…
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Have you had that “holy crap!” moment regarding your debt? You know, it’s that point where you say, “What the %#!& have I been doing?” If you have, I’m hoping that you’ve taken the steps to start attacking your debt like crazy. If you haven’t had that moment, I want to get you to utter that phrase…
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You walk up to the ATM and put in your bank card. After entering your PIN number, you hit the “Balance Inquiry” button. The receipt spits out, you grab it and read that there’s $925 left in your checking account. You say to yourself, “OK, I have $925 left in my account and that needs…
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When you finally came to the realization that your debt was out of control, I bet you were pretty angry. That’s understandable. After that anger subsided, the eagerness to start eliminating your debt came next. You probably said, “I’m never letting debt intrude on my financial life again”. That’s a powerful statement and something that…
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Why do Americans find is so hard to save money? Two years ago, it was said that the average American only saved about 3.6% of their disposable income. That is even after the so-called “Great Recession” forced many to save more than they ever had before due to fears of job loss, etc. In fact, it…
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Every so often, I meet with someone who has no other choice but to earn more income. Whether that income is earned by working overtime, getting a part-time job, or working for themselves on the side, it’s needed. Sometimes when this is recommended, I am met with resistance. They might say: “Well, I would like…
Continue Reading -->>You’ll specifically use this article in Step 2 of The 9 Steps to Financial Freedom. However, it’s beneficial in all steps. Find yourself saying, “Where is my money going?!?” How long has it been since you last reviewed your spending? Last month? Last year? A past life? Checking in on your previous spending can truly…
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Oh the wonderful credit score. I am not “in love” with the credit score and what it stands for. However, I realize that it’s something that affects some of the most major financial decisions that we make in life. In that light, it means that everyone should know how it is calculated and what things…
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“If you could only give one piece of financial advice to a person, what advice would you give them?” I get asked this question a lot, and it’s a pretty easy answer for me. I always say, spend less than you earn. Ask that exact question to any personal finance expert and I bet that…
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